Small credit unions
Improve fraud monitoring and simplify daily operations.
Industries · Credit unions and community banks
Member data, protected.monitored.recoverable.exam-ready.
You serve the members. We run everything underneath them.
A 24x7 SOC, managed infrastructure and recovery planning for lean IT teams. Behind every exam is a year of protecting member data, managing risk and keeping systems available.
The industry today
More members. Fewer institutions. Bigger expectations.
Something interesting is happening in credit unions.
The number of federally insured credit unions dropped from 4,370 to 4,214 between Q2 2025 and Q2 2026.5
During that same period, membership grew from 143.8 million to 146.1 million.5
Fewer institutions. More people to serve.
And those members expect fast, intuitive digital experiences without losing the personal relationships that brought them there in the first place.
For credit unions and community banks alike, the opportunity is to grow without losing what makes them different.
AI can help make that possible, giving smaller teams better tools, faster information and more time for the members they serve.
Data
Scales are separate and don't start at zero.Figures apply to federally insured credit unions, not community banks.Source: NCUA, Q2 2026 Credit Union Performance5 · NCUA, Quarterly Data Summary, Q2 20266
Two trends moving in opposite directions
Federally insured credit unions, Q2 2025 to Q2 2026. Each panel has its own scale.
Credit unions
↓156 fewer
4,3704,214
Q2 2025Q2 2026
Scale: 4,150 to 4,400
Members
↑2.3M more
143.8M146.1M
Q2 2025Q2 2026
Scale: 142M to 147M
| Credit unions, Q2 2025 | 4,370 |
|---|---|
| Credit unions, Q2 2026 | 4,214 |
| Members, Q2 2025 | 143.8M |
| Members, Q2 2026 | 146.1M |
Where AI fits
AI that puts members first.
Growing institutions
Give service teams faster access to member information and internal policies.
Community banks
Streamline lending documents and flag unusual transactions.
Multi-branch operations
Connect systems and improve visibility across locations.
How STN helps
Modern banking needs more than modern software.
STN brings private cloud, managed security, procurement and recovery planning together. Add dedicated GPU infrastructure when you're ready for AI.
One team behind the technology. More time for yours to focus on members.
Let's talk