VELERA | PYMNTS Report July 2025

CU Innovation Readiness: How Middle Performers Become Innovators

A data-driven roadmap to help credit unions close the innovation gap.

Move from Middle of the Pack to Market Leaders

Middle-performing credit unions can close the innovation gap by focusing on the features that matter most. This report compares middle performers with top innovators and shows where partnerships, prioritization and digital tools can accelerate progress.

  • Pinpoint the largest readiness gaps
  • Compare middle performers with leaders
  • Build a roadmap for faster innovation

Where Mid-tier CUs Can Gain

    36% of products offered

    Middle performers offer fewer available products than top innovators.

    48-point contactless gap

    Contactless credit card availability shows a large readiness divide.

    48-point open banking gap

    Open banking adoption remains a key opportunity for middle performers.