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119<path fill="currentColor" d="M152 96V48a8 8 0 0 1 16 0v40h40a8 8 0 0 1 0 16h-48a8 8 0 0 1-8-8m-56 56H48a8 8 0 0 0 0 16h40v40a8 8 0 0 0 16 0v-48a8 8 0 0 0-8-8m112 0h-48a8 8 0 0 0-8 8v48a8 8 0 0 0 16 0v-40h40a8 8 0 0 0 0-16M96 40a8 8 0 0 0-8 8v40H48a8 8 0 0 0 0 16h48a8 8 0 0 0 8-8V48a8 8 0 0 0-8-8"></path></svg></div></div></div><div class="navbar9_item-text"><div class="text-weight-semibold unna text-block-84">Newsroom</div></div></a></div></div></div></div></nav></div><div class="hide-desktop-show-tablet is-nav-cta"><a href="/book-a-demo" class="button-hover-51 is-default w-inline-block"><div class="button-gradient-51"></div><div class="button-inner-51"><div class="button-text-51 is-default"> Book a Demo</div></div></a></div></div></nav><div class="navbar9_menu-right hide-tablet"><a href="/book-a-demo" class="main-button orange w-inline-block"><div class="button-text white">Book a Demo</div><div class="div-block-182 white"><div class="arrow-button black w-embed"><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" aria-hidden="true" role="img" class="iconify iconify--ph" width="100%" height="100%" preserveAspectRatio="xMidYMid meet" viewBox="0 0 256 256"><path fill="currentColor" d="M204 64v104a12 12 0 0 1-24 0V93L72.5 200.5a12.1 12.1 0 0 1-17 0a12 12 0 0 1 0-17L163 76H88a12 12 0 0 1 0-24h104a12 12 0 0 1 12 12Z"></path></svg></div></div></a></div><div class="navbar9_menu-button w-nav-button"><div class="menu-icon"><div class="menu-icon_line-top"></div><div class="menu-icon_line-middle"><div class="menu-icon_line-middle-inner-2"></div></div><div class="menu-icon_line-bottom"></div></div></div></div></div><section id="download" class="section _2026 bg-bold bg-dot"><div class="w-layout-blockcontainer container tonik w-container"><div class="div-block-178 none"><div class="hero-bg no-right"><div class="hero-grid middle"><div class="home-hero-content expand _0 _50rem"><div class="pill-wrapper"><div class="div-block-184"><div class="div-block-124"></div><p class="paragraph-6">2026–27 BUDGET REPORT</p></div></div><h1 class="heading-2026 serif">The AI Budget Report for Credit Unions</h1><p class="body-text medium no-bottom-margin">A budget-season briefing for credit union CFOs, COOs, and boards on what agentic AI actually costs, built on a survey of ten credit union leaders and public NCUA data, not a guess.</p><div class="home-hero-bullet"><div class="bullet-wrapper hero"><div class="icon-embed-xxsmall-172 w-embed"><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" aria-hidden="true" role="img" class="iconify iconify--tabler" width="100%" height="100%" preserveAspectRatio="xMidYMid meet" viewBox="0 0 24 24"><path fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="m5 12l5 5L20 7"></path></svg></div><p class="hero-bullet">The honest denominator: how to size an AI line against labor cost, not total assets</p></div><div class="bullet-wrapper hero"><div class="icon-embed-xxsmall-172 w-embed"><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" aria-hidden="true" role="img" class="iconify iconify--tabler" width="100%" height="100%" preserveAspectRatio="xMidYMid meet" viewBox="0 0 24 24"><path fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="m5 12l5 5L20 7"></path></svg></div><p class="hero-bullet">Twelve questions to ask every vendor before you budget, and how to re-ask them of your incumbents</p></div><div class="bullet-wrapper hero"><div class="icon-embed-xxsmall-172 w-embed"><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" aria-hidden="true" role="img" class="iconify iconify--tabler" width="100%" height="100%" preserveAspectRatio="xMidYMid meet" viewBox="0 0 24 24"><path fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="m5 12l5 5L20 7"></path></svg></div><p class="hero-bullet">What ten credit union leaders are actually spending, and where the funding comes from</p></div><div class="bullet-wrapper hero bottom"><div class="icon-embed-xxsmall-172 w-embed"><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" aria-hidden="true" role="img" class="iconify iconify--tabler" width="100%" height="100%" preserveAspectRatio="xMidYMid meet" viewBox="0 0 24 24">
119<path fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="m5 12l5 5L20 7"></path></svg></div><p class="hero-bullet">A cost-per-unit forecasting model with 2x and 3x volume scenarios</p></div></div></div><div id="w-node-_5d2cfbb4-823b-852d-9d50-35979dfba0d8-106f35a3" class="div-block-196"><div class="report-wrap"><h3 class="heading-2026 serif text-dark">Download the Free Report</h3><p class="body-text medium text-dark">Get instant access to the complete 2027 AI budget report for credit unions: vendor questions, the honest denominator, funding sources, and what 10 credit union leaders are actually budgeting.</p><div class="form-block-3 w-form"><form id="wf-form-AI-Budget-Report-2026-27-Download" name="wf-form-AI-Budget-Report-2026-27-Download" data-name="AI Budget Report 2026-27 Download" redirect="https://drive.google.com/file/d/1msCX2rhaFiRufCdWmCpHWjNSQYlWLLu1/view?usp=drive_link" data-redirect="https://drive.google.com/file/d/1msCX2rhaFiRufCdWmCpHWjNSQYlWLLu1/view?usp=drive_link" method="get" class="form-6" data-wf-page-id="6aba533f63eb9827106f35a3" data-wf-element-id="2f2e556b-a549-832f-70f8-612904c10526" data-turnstile-sitekey="0x4AAAAAAAQTptj2So4dx43e"><div><input class="input l w-input" maxlength="256" name="First-Name" data-name="First Name" placeholder="First Name*" type="text" id="First-Name" required=""/></div><input class="input l w-input" maxlength="256" name="Last-Name" data-name="Last Name" placeholder="Last Name*" type="text" id="Last-Name" required=""/><input class="input email l w-input" maxlength="256" name="Work-Email" data-name="Work Email" placeholder="Work Email*" type="email" id="Work-Email" required=""/><input class="input l w-input" maxlength="256" name="Firm-Name" data-name="Firm Name" placeholder="Firm Name*" type="text" id="Firm-Name" required=""/><input type="submit" data-wait="Please wait..." data-submit-btn="" class="submit-button w-button" value="Download Now"/></form><div class="success-message-2 w-form-done"><div>Thank you! Download the report below.</div><a data-w-id="d9e90423-06b8-038e-47ce-5a02de6217ed" href="https://drive.google.com/file/d/1msCX2rhaFiRufCdWmCpHWjNSQYlWLLu1/view?usp=drive_link" class="main-button split mg-top w-inline-block"><div class="button-text">Download the report</div><div class="div-block-182"><div class="arrow-button w-embed"><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" aria-hidden="true" role="img" class="iconify iconify--ph" width="100%" height="100%" preserveAspectRatio="xMidYMid meet" viewBox="0 0 256 256"><path fill="currentColor" d="M204 64v104a12 12 0 0 1-24 0V93L72.5 200.5a12.1 12.1 0 0 1-17 0a12 12 0 0 1 0-17L163 76H88a12 12 0 0 1 0-24h104a12 12 0 0 1 12 12Z"></path></svg></div></div></a></div><div class="w-form-fail"><div>Oops! Something went wrong while submitting the form.</div></div></div><p class="body-text medium text-dark legal">We respect your privacy. No spam, ever.</p></div></div></div></div></div></div></section><section class="section mg-top-140 v2"><div class="container tonik relative center"><div class="grid-card _4"><div class="card-pixel"><div class="bottom-card-wrap mg-top-0"><div class="large-number">88%</div><div class="body-text dark">expect to raise technology budgets over the next two years</div></div><div class="pixel-1 _2"></div><div class="pixel-1 _3"></div><div class="pixel-1 _4"></div><div class="pixel-1"></div></div><div class="card-pixel"><div class="bottom-card-wrap mg-top-0"><div class="large-number">$41.1B</div><div class="body-text dark">industry compensation and benefits spend, the real denominator behind every AI line</div></div><div class="pixel-1 _2"></div><div class="pixel-1 _3"></div><div class="pixel-1 _4"></div><div class="pixel-1"></div></div><div class="card-pixel"><div class="bottom-card-wrap mg-top-0"><div class="large-number">9 of 10</div><div class="body-text dark">credit union leaders quoted usage-based AI pricing</div></div><div class="pixel-1 _2"></div><div class="pixel-1 _3"></div><div class="pixel-1 _4"></div><div class="pixel-1"></div></div><div class="card-pixel"><div class="bottom-card-wrap mg-top-0"><div class="large-number">Up to 70%</div><div class="body-text dark">more loans processed without adding staff (FORUM Credit Union, via America&#x27;s Credit Unions)</div></div><div class="pixel-1 _2"></div><div class="pixel-1 _3"></div><div class="pixel-1 _4"></div><div class="pixel-1"></div></div></div></div></section>
119<section class="section mg-top-140 v2 bg-new-light border-orange"><div class="container tonik relative center"><div class="title-left gap flex-mobile"><h2 id="w-node-e9e45b13-bfd0-e580-7e93-3d4e1d5d20d7-106f35a3" class="text-color-offblack _2026">The number credit unions need before budget season closes</h2><div class="body-text dark">There is no NCUA benchmark for what a credit union should spend on AI in 2027. This report sizes the AI line against labor cost instead, using public NCUA data as the denominator.</div></div><div class="card-grid"><div class="card-pixel white"><div class="icon-white-wrap"><div class="icon-embed-xxsmall-160 w-embed"><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" aria-hidden="true" role="img" class="iconify iconify--ph" width="100%" height="100%" preserveAspectRatio="xMidYMid meet" viewBox="0 0 256 256"><path fill="currentColor" d="M136 32v32a8 8 0 0 1-16 0V32a8 8 0 0 1 16 0Zm37.3 58.7a7.8 7.8 0 0 0 5.6-2.3l22.6-22.6a8 8 0 1 0-11.3-11.3l-22.6 22.6a8 8 0 0 0 0 11.3a7.8 7.8 0 0 0 5.7 2.3ZM224 120h-32a8 8 0 0 0 0 16h32a8 8 0 0 0 0-16Zm-45.1 47.6a8 8 0 0 0-11.3 11.3l22.6 22.6a8 8 0 0 0 5.7 2.4a7.7 7.7 0 0 0 5.6-2.4a7.9 7.9 0 0 0 0-11.3ZM128 184a8 8 0 0 0-8 8v32a8 8 0 0 0 16 0v-32a8 8 0 0 0-8-8Zm-50.9-16.4l-22.6 22.6a7.9 7.9 0 0 0 0 11.3a7.7 7.7 0 0 0 5.6 2.4a8 8 0 0 0 5.7-2.4l22.6-22.6a8 8 0 0 0-11.3-11.3ZM72 128a8 8 0 0 0-8-8H32a8 8 0 0 0 0 16h32a8 8 0 0 0 8-8Zm-6.2-73.5a8 8 0 0 0-11.3 11.3l22.6 22.6a8.1 8.1 0 0 0 11.3 0a8 8 0 0 0 0-11.3Z"></path></svg></div></div><div class="bottom-card-wrap"><div class="h4-2026">The Honest Denominator</div><div class="body-text dark small">Compensation and benefits ran $41.1 billion in Q2 2026. A $150,000 to $500,000 AI line is 0.2% to 12.2% of that: a defensible board number.</div></div></div><div class="card-pixel white middle"><div class="icon-white-wrap"><div class="icon-embed-xxsmall-160 w-embed"><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" aria-hidden="true" role="img" class="iconify iconify--ph" width="100%" height="100%" preserveAspectRatio="xMidYMid meet" viewBox="0 0 256 256"><path fill="currentColor" d="M240 56v64a8 8 0 0 1-16 0V75.3l-82.3 82.4a8.1 8.1 0 0 1-11.4 0L96 123.3l-66.3 66.4a8.2 8.2 0 0 1-11.4 0a8.1 8.1 0 0 1 0-11.4l72-72a8.1 8.1 0 0 1 11.4 0l34.3 34.4L212.7 64H168a8 8 0 0 1 0-16h64a8 8 0 0 1 8 8Z"></path></svg></div></div><div class="bottom-card-wrap"><div class="h4-2026">The Vendor Playbook</div><div class="body-text dark small">Twelve questions, organized by cost, integration, evidence, and deployment, built to find real differences between similar vendors. Put question six, the uncomfortable one, to your incumbents too.</div></div></div><div class="card-pixel white right"><div class="icon-white-wrap"><div class="icon-embed-xxsmall-160 w-embed"><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" aria-hidden="true" role="img" class="iconify iconify--ph" width="100%" height="100%" preserveAspectRatio="xMidYMid meet" viewBox="0 0 256 256"><path fill="currentColor" d="M224 48h-64a40 40 0 0 0-32 16a40 40 0 0 0-32-16H32a16 16 0 0 0-16 16v128a16 16 0 0 0 16 16h64a24.1 24.1 0 0 1 24 24a8 8 0 0 0 16 0a24.1 24.1 0 0 1 24-24h64a16 16 0 0 0 16-16V64a16 16 0 0 0-16-16ZM96 192H32V64h64a24.1 24.1 0 0 1 24 24v112a40 40 0 0 0-24-8Zm128 0h-64a40 40 0 0 0-24 8V88a24.1 24.1 0 0 1 24-24h64Z"></path></svg></div></div><div class="bottom-card-wrap"><div class="h4-2026">The Funding Plan</div><div class="body-text dark small">Four places to cut, ranked by how fast each releases cash. In the survey, renegotiating vendor contracts was the top funding source, five of ten.</div></div></div></div></div></section><section class="section mg-top-140 v2 no-bottom-padding bg-white bottom-line-orange"><div class="container tonik relative grid extend"><div class="title-left max _400"><h2 class="text-color-offblack _2026 white">What credit union leaders <span class="orange-text">already know</span></h2><div class="body-text">Drawn from a survey of ten credit union leaders fielded August 31 to September 4, 2026, and public NCUA data.</div></div><section class="section_layout508"><div><div class="container-large-2"><div class="padding-section-large-5"><div class="layout508_component"><div data-duration-in="400" data-duration-out="200" data-current="Tab 1" data-easing="ease" class="layout508_tabs w-tabs"><div id="w-node-e1be0ec7-237c-8bab-b2aa-1f3996933924-106f35a3" class="layout508_tabs-menu vertical w-tab-menu"><a data-w-tab="Tab 1" class="layout507_tab-link w-inline-block w-tab-link w--current"><h3 class="heading-style-h6-6">Finding 1</h3></a><a data-w-tab="Tab 2" class="layout507_tab-link w-inline-block w-tab-link"><h3 class="heading-style-h6-6">Finding 2</h3></a><a data-w-tab="Tab 3" class="layout507_tab-link w-inline-block w-tab-link"><h3 class="heading-style-h6-6">Finding 3</h3></a><a data-w-tab="Tab 4" class="layout507_tab-link w-inline-block w-tab-link"><h3 class="heading-style-h6-6">Finding 4</h3></a><a data-w-tab="Tab 5" class="layout507_tab-link last w-inline-block w-tab-link"><h3 class="heading-style-h6-6">Finding 5</h3></a><a data-w-tab="Tab 6" class="layout507_tab-link last w-inline-block w-tab-link"><h3 class="heading-style-h6-6">Finding 6</h3></a></div><div class="layout508_tabs-content w-tab-content"><div data-w-tab="Tab 1" class="layout508_tab-pane w-tab-pane w--tab-active"><div class="card-tab"><div><p class="body-text dark small"><strong>There&#x27;s no NCUA benchmark. </strong>The NCUA 5300 call report has no technology expense account, and most &quot;peer average&quot; AI-spend figures circulating online carry no named source at all.</p></div></div></div><div data-w-tab="Tab 2" class="layout508_tab-pane w-tab-pane"><div class="card-tab"><div><p class="body-text dark small"><strong>Pricing has shifted to usage. </strong>Nine of ten surveyed leaders have been quoted usage- or consumption-based pricing, which makes the AI line the only genuinely variable item in a 2027 technology budget.</p></div></div></div><div data-w-tab="Tab 3" class="layout508_tab-pane w-tab-pane"><div class="card-tab"><div><p class="body-text dark small"><strong>The AI line often has no name. </strong>Nine of ten fold it into a broader technology line item, which means the board approving that budget cannot see how much of it is AI.</p></div></div></div><div data-w-tab="Tab 4" class="layout508_tab-pane w-tab-pane"><div class="card-tab"><div><p class="body-text dark small"><strong>New money rarely funds it on its own. </strong>Six of ten are adding new budget dollars, and all six are also funding AI elsewhere, most often by renegotiating existing vendor contracts.</p></div></div></div><div data-w-tab="Tab 5" class="layout508_tab-pane w-tab-pane"><div class="card-tab"><div><p class="body-text dark small"><strong>Twelve questions find the real difference between vendors. </strong>
119Every vendor in this category builds on the same small set of frontier models; what separates one from another is the harness built around it.</p></div></div></div><div data-w-tab="Tab 6" class="layout508_tab-pane w-tab-pane"><div class="card-tab"><div><p class="body-text dark small"><strong>A six-week proof beats a long pilot. </strong>Credit unions that measure one workflow in production, with a real cost per unit and a real outcome, build a more defensible number than those running open-ended trials.</p></div></div></div></div></div></div></div></div></div></section></div><div class="div-bg-orange grey"></div></section><section class="section mg-top-140 v2"><div class="container tonik relative center security-cta"><div class="title-left gap flex-mobile"><h2 class="text-color-offblack _2026 white max">The 2027 Budget Imperative</h2><div class="body-text small opacity">The pressure compounds on both sides of the AI line and shows up in the efficiency ratio the board already reviews.</div></div><section class="section_layout507"><div class="padding-global"><div class="container-large-2"></div></div></section><div class="pixel-1 _2 black"></div><div class="pixel-1 _3 black"></div><div class="pixel-1 black"></div><div class="pixel-1 _4 black"></div><div class="securitygrid-wrapper"><div class="grid-security"><div class="security-div top up"><div class="stat-horizontal"><div class="icon-wrapper auto"><div class="icon-wrapper glass mg-bottom-0"><div class="icon-inner"><h3 class="heading-style-h3-3 sm white opacity mg-bottom-0">$77.8B</h3></div></div></div><p class="body-text mg-bottom-0">industry non-interest expense, annualized, Q2 2026</p></div></div><div class="security-div up"><div class="stat-horizontal"><div class="icon-wrapper auto"><div class="icon-wrapper glass mg-bottom-0"><div class="icon-inner"><h3 class="heading-style-h3-3 sm white opacity mg-bottom-0">70.79%</h3></div></div></div><p class="body-text mg-bottom-0">industry efficiency ratio, a 13-quarter high</p></div></div><div class="security-div up"><div class="stat-horizontal"><div class="icon-wrapper auto"><div class="icon-wrapper glass mg-bottom-0"><div class="icon-inner"><h3 class="heading-style-h3-3 sm white opacity mg-bottom-0 center">2-6 wks</h3></div></div></div><p class="body-text mg-bottom-0">the standard to prove one workflow before scaling it</p></div></div></div><div class="grid-security"></div></div></div></section><section class="section mg-top-140 v2 no-bottom-padding bg-white"><div class="container tonik relative grid extend"><div class="title-left max"><div class="title-left gap vertical"><h2 class="text-color-offblack _2026">Where the AI line actually books, and what pays for it</h2><div class="body-text dark">Because the NCUA 5300 has no technology account, every line item ends up somewhere it does not obviously belong, and the money to fund a new one usually already exists in the budget.</div></div></div><div class="funnel-rows"><div class="funnel-row"><div class="card-pixel white funnel row-fit"><div class="meta-text pill">1</div><div class="bottom-card-wrap gap-0"><div class="h4-2026 orange sm">Account 290</div><div class="body-text dark small">Professional and Outside Services</div></div></div><div class="meta-text-bottom row-fill">Core and platform run costs, outside processing, and AI consumption all sit here, and AI consumption moves with volume.</div></div><div class="funnel-row"><div class="card-pixel white funnel row-fit"><div class="meta-text pill">2</div><div class="bottom-card-wrap gap-0"><div class="h4-2026 orange sm">Account 260</div><div class="body-text dark small">Office Operations</div></div></div><div class="meta-text-bottom row-fill">Seat-based subscriptions and in-house processing fall under this category, alongside stationery, insurance, and audit fees.</div></div><div class="funnel-row"><div class="card-pixel white funnel row-fit"><div class="meta-text pill">3</div><div class="bottom-card-wrap gap-0"><div class="h4-2026 orange sm">Underused subscriptions</div></div></div><div class="meta-text-bottom row-fill">Score every SaaS line by actual utilization before adding a new one.</div></div><div class="funnel-row"><div class="card-pixel white funnel row-fit"><div class="meta-text pill">4</div><div class="bottom-card-wrap gap-0"><div class="h4-2026 orange sm">Overlapping point solutions</div></div></div><div class="meta-text-bottom row-fill">Duplicate fraud tooling or automation already built into digital banking.</div></div><div class="funnel-row"><div class="card-pixel white funnel row-fit"><div class="meta-text pill">5</div><div class="bottom-card-wrap gap-0"><div class="h4-2026 orange sm">Contracts past the renegotiation window</div></div></div><div class="meta-text-bottom row-fill">
119Build a renewal ladder for what expires in 2027 and 2028: the most common funding source in the survey, five of ten.</div></div></div></div><div class="div-bg-orange right grey"></div></section><section class="section mg-top-140 v2 bg-dot sm hide"><div class="container tonik relative center"><section class="section_testimonial1 pe"><div class="padding-global"><div class="container-large-2"><div class="padding-section-large-5"><div class="max-width-large align-center"><div class="testimonial1_component"><div class="testimonial1_content"><div class="margin-bottom margin-medium"><div class="testimonial1_logo-wrapper-2"><img src="https://cdn.prod.website-files.com/636e9a9a8d334ed501b08c97/69b08765766005ce7de21c83_CEP-LOGO-COLOR.svg" loading="lazy" alt="" class="image-178"/></div></div><h3 class="heading-style-h5-4">&quot;Improvements will accrue to those firms that have proprietary datasets that can be leveraged to develop portfolio sensitivities to external economic or KPI influencing factors.&quot;</h3><div class="margin-top margin-medium"><div class="testimonial1_client"><div class="margin-bottom margin-xsmall"><div class="testimonial1_client-image-wrapper-2"><img loading="lazy" src="https://cdn.prod.website-files.com/636e9a9a8d334ed501b08c97/69b087d95e12c491f1b8bad9_Andrew-Albert-uai-400x400-1-uai-320x400.jpg" alt="" class="testimonial1_client-image-2"/></div></div><div class="text-block-46">Andrew Albert</div><div class="text-block-47">CFA, Managing Partner</div></div></div></div></div></div></div></div></div></section></div></section><section class="section mg-top-140 v2 bg-orange"><div class="container tonik relative"><div class="div-block-188 center relative"><div class="testimonial1_content max"><img src="https://cdn.prod.website-files.com/636e9a9a8d334ed501b08c97/69b17ab877c4246da9b31bf4_Quote.svg" loading="lazy" alt="" class="image-179"/><h3 class="heading-style-h5-4 text-dark-orange">“I think the first question my leadership would ask is, ‘What’s the ROI?’ If I’m bringing forward a budget for AI investment, I believe they’ll want me to clearly demonstrate what we’re getting in return and how we’ll measure its impact.”</h3><div class="margin-top margin-medium"><div class="testimonial1_client"><div class="margin-bottom margin-xsmall"><div class="testimonial1_client-image-wrapper-2"><img src="https://cdn.prod.website-files.com/636e9a9a8d334ed501b08c97/6aba8b292c7827a0f905955a_Ryan_headshot-2026.webp" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/636e9a9a8d334ed501b08c97/6aba8b292c7827a0f905955a_Ryan_headshot-2026-p-500.webp 500w, https://cdn.prod.website-files.com/636e9a9a8d334ed501b08c97/6aba8b292c7827a0f905955a_Ryan_headshot-2026-p-800.webp 800w, https://cdn.prod.website-files.com/636e9a9a8d334ed501b08c97/6aba8b292c7827a0f905955a_Ryan_headshot-2026-p-1080.webp 1080w, https://cdn.prod.website-files.com/636e9a9a8d334ed501b08c97/6aba8b292c7827a0f905955a_Ryan_headshot-2026.webp 1086w" alt="" class="testimonial1_client-image-2"/></div></div><div class="text-block-46">Ryan Marosy</div><div class="text-block-47">Vice President of Marketing, Affinity Federal Credit Union</div></div></div></div></div><section class="section_layout508"><div><div class="container-large-2"></div></div></section></div></section><section class="section mg-top-140 v2 bg-new-light border-orange"><div class="container tonik relative"><div class="title-left gap flex-mobile"><h2 id="w-node-_3ffc1511-c08c-b562-bcb1-3b74bdda250a-106f35a3" class="text-color-offblack _2026">A complete, <br/>budget-ready analysis</h2><div class="body-text dark">Built strictly on public NCUA data and a survey of ten credit union leaders, not another round of unsourced benchmarks.</div></div><div><div class="card-grid"><div class="card-pixel white l"><div><div class="h4-2026 orange">01</div></div><div class="bottom-card-wrap"><div class="h4-2026 sm">About the Report</div><div class="body-text dark small">Why 2027 is the first year most credit unions are asked to defend a real AI number.</div></div></div><div class="card-pixel white middle"><div><div class="h4-2026 orange">02</div></div><div class="bottom-card-wrap"><div class="h4-2026 sm">Executive Summary</div><div class="body-text dark small">The problem, where the number hides, the honest denominator, and the 2027 shape.</div></div></div><div class="card-pixel white right top"><div><div class="h4-2026 orange">03</div></div><div class="bottom-card-wrap"><div class="h4-2026 sm">Why the 2027 Budget Is Different</div><div class="body-text dark small">The pressure on both sides of the AI line, and what changed in the composition.</div></div></div></div><div class="card-grid mg-top-0"><div class="card-pixel white square"><div><div class="h4-2026 orange">04</div></div><div class="bottom-card-wrap"><div class="h4-2026 sm">The Benchmark That Does Not Exist</div><div class="body-text dark small">Why the NCUA 5300 can&#x27;t answer this question, and what to use instead.</div></div></div><div class="card-pixel white middle"><div><div class="h4-2026 orange">05</div></div><div class="bottom-card-wrap"><div class="h4-2026 sm">The Honest Denominator</div><div class="body-text dark small">Sizing the AI line against the labor cost it touches, with scenarios by asset size.</div></div></div><div class="card-pixel white square"><div><div class="h4-2026 orange">06</div></div><div class="bottom-card-wrap"><div class="h4-2026 sm">What Ten Credit Unions Told Us</div><div class="body-text dark small">Real survey data on dollar brackets, pricing, funding sources, and proof timelines.</
119div></div></div></div><div class="card-grid mg-top-0"><div class="card-pixel white bottom"><div><div class="h4-2026 orange">07</div></div><div class="bottom-card-wrap"><div class="h4-2026 sm">Why Your 2027 AI Line Is Variable</div><div class="body-text dark small">Usage pricing, the forecasting model, and what a cost-per-unit projection needs.</div></div></div><div class="card-pixel white middle"><div><div class="h4-2026 orange">08</div></div><div class="bottom-card-wrap"><div class="h4-2026 sm">Twelve Questions to Ask Every Vendor</div><div class="body-text dark small">Organized by cost, integration, evidence, and deployment.</div></div></div><div class="card-pixel white right bottom"><div><div class="h4-2026 orange">09</div></div><div class="bottom-card-wrap"><div class="h4-2026 sm">What Belongs on the Line, and Prove It in Weeks, Not Quarters</div><div class="body-text dark small">Where costs actually book, four funding levers, and the six-week proof standard.</div></div></div></div></div></div></section><section class="section mg-top-140 v2"><div class="container tonik relative center security-cta"><section class="section_layout507"><div class="padding-global"><div class="container-large-2"></div></div></section><div class="pixel-1 _2 black"></div><div class="pixel-1 _3 black"></div><div class="pixel-1 black"></div><div class="pixel-1 _4 black"></div><div class="div-block-199"><div class="grid-security"><div class="security-div top"><div class="stat-horizontal"><div class="icon-wrapper auto"><div class="icon-wrapper glass mg-bottom-0"><div class="icon-inner"><img src="https://cdn.prod.website-files.com/636e9a9a8d334ed501b08c97/6995b83a93bfa3da8c794373_Frame%201.svg" loading="lazy" alt=""/></div></div></div></div><div class="bottom-card-wrap"><div class="h4-2026 sm white">Full Audit Trails</div><div class="body-text dark small white">Auditable, explainable AI decisions for examiner review</div></div></div><div class="security-div"><div class="stat-horizontal"><div class="icon-wrapper auto"><div class="icon-wrapper glass mg-bottom-0"><div class="icon-inner"><div class="icon-embed-xxsmall-176 w-embed"><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" aria-hidden="true" role="img" class="iconify iconify--ph" width="100%" height="100%" preserveAspectRatio="xMidYMid meet" viewBox="0 0 256 256"><path fill="currentColor" d="M152 96V48a8 8 0 0 1 16 0v40h40a8 8 0 0 1 0 16h-48a8 8 0 0 1-8-8Zm-56 56H48a8 8 0 0 0 0 16h40v40a8 8 0 0 0 16 0v-48a8 8 0 0 0-8-8Zm112 0h-48a8 8 0 0 0-8 8v48a8 8 0 0 0 16 0v-40h40a8 8 0 0 0 0-16ZM96 40a8 8 0 0 0-8 8v40H48a8 8 0 0 0 0 16h48a8 8 0 0 0 8-8V48a8 8 0 0 0-8-8Z"></path></svg></div></div></div></div></div><div class="bottom-card-wrap"><div class="h4-2026 sm white">Public NCUA Data</div><div class="body-text dark small white">Every benchmark sourced to a named primary source, not an invented average</div></div></div><div class="security-div"><div class="stat-horizontal"><div class="icon-wrapper auto"><div class="icon-wrapper glass mg-bottom-0"><div class="icon-inner"><div class="icon-embed-xxsmall-176 w-embed"><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" aria-hidden="true" role="img" class="iconify iconify--ph" width="100%" height="100%" preserveAspectRatio="xMidYMid meet" viewBox="0 0 256 256"><path fill="currentColor" d="M200 168a32.1 32.1 0 0 0-31 24H72a32 32 0 0 1 0-64h96a40 40 0 0 0 0-80H72a8 8 0 0 0 0 16h96a24 24 0 0 1 0 48H72a48 48 0 0 0 0 96h97a32 32 0 1 0 31-40Zm0 48a16 16 0 1 1 16-16a16 16 0 0 1-16 16Z"></path></svg></div></div></div></div></div><div class="bottom-card-wrap"><div class="h4-2026 sm white">Ten Credit Union Leaders</div><div class="body-text dark small white">Real survey data, fielded August to September 2026</div></div></div></div><div class="grid-security"></div></div></div></section><section class="section mg-top-140 v2 bg-orange bg-dot bg-x circle-bg"><div class="container tonik relative"><div class="div-block-188 center relative"><div class="container-max _500 _600"><h2 class="heading-2026 serif">Get the number your board can approve</h2><div class="body-text dark small white solid">Join the CFOs, COOs, and boards using this report to defend a real 2027 AI line, complete with vendor questions, funding sources, and the forecasting model to argue against it.</div></div><div class="button-grid"><a data-w-id="b9b62c11-eb2e-5dbc-d2a5-93f565905fed" href="#download" class="main-button w-inline-block"><div class="button-text">Download the report</div><div class="div-block-182"><div class="arrow-button w-embed"><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" aria-hidden="true" role="img" class="iconify iconify--ph" width="100%" height="100%" preserveAspectRatio="xMidYMid meet" viewBox="0 0 256 256">
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