Wednesday, July 22, 2026
Independent journalism on cooperative finance.
Vol. 1 · Issue 30·JULY 22 2026 EDITION·Contact
TechnologyJuly 20, 2026 · 24 min read

Your Vendor Still Writes Code by Hand

A 25-person startup ships 8 production deploys a day with 99% AI-written code. If your core vendor's engineering team still operates the way it did in 2024, you're paying for a process that's already obsolete. Five questions to ask at your next vendor meeting.

If I could give every credit union technology leader one diagnostic question for their next vendor meeting, it would be this: How many times did you deploy to production last week?

Not last quarter. Not last sprint. Last week.

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By the numbers

NCUA system data · 2026-Q1
4,250[NCUA Q1 2026]
Federally insured credit unions
145.8M[NCUA Q1 2026]
U.S. credit-union members
157[Mergers tracker]
CU mergers approved in 2025