Dear Members:
It is my sincere pleasure to reflect on a remarkable year and extend warm holiday wishes to our entire membership family. Together, we continued to navigate the ever-changing financial landscape this year while making significant achievements, all built on the foundation of trust you place in us every day. It’s our ongoing goal to be the kind of corporate partner that helps our members transform the complex business challenges you face into opportunities to effectively serve your members.
The achievements of this past year are not mine alone to celebrate; they are ours. The credit union model is unique because every member is also an owner. Your success is our success, and your participation is what drives our mission forward. I’m delighted to share with you just a few highlights of our shared successes from 2025.
Earnings shared with our members: For the third year in a row, we were delighted to give eligible member credit unions who had used two or more of our payment services a special fee rebate. When our earnings allow, we’re proud to share the benefits with our members because that’s what being part of a cooperative is all about. This year’s rebate totaled approximately $1.8 million, and we hope it helped to support your efforts in delivering exceptional service to your own members. In addition, for our Perpetual Contributed Capital owners who have capital with us, we were able to distribute $11.8 million in dividends to you.
Awards we received: The Credit Union Times Luminaries Awards, a nationally recognized awards program now in its fourth year, honored 25 winners across categories such as community impact, marketing, technology innovation, leadership, and product development. Corporate One received an award in the category of Product Innovation – Credit/Debit Payments Solutions for our Immediate Payments solutions that help credit unions instantly send/receive payments on the RTP® network and the FedNow® Service and manage their cash on these rails 24/7/365. This recognition honors organizations that are transforming the credit union industry through bold innovation and meaningful impact. You can read more about this award in our announcement.
Anniversaries we celebrated: The 10th anniversary of our Annual Membership Survey reminded us of how important your feedback has been in helping us deliver on our mission as a member-owned financial cooperative. When we started the survey in 2014, our Net Promoter Score was 53.1. Ten years later in 2025, it’s 84.1. From making it easier for you to do business with us to supporting your growth, efficiency, and strategic objectives, every insight you share helps us grow stronger as your trusted corporate partner.
New Enterprise Leadership Team member welcomed: Ryan Murphy was promoted to Executive Vice President and Chief Financial Officer on October 1. Ryan succeeds Denise Brown, who retires in January after a distinguished career of service and leadership. Ryan’s promotion marked a significant step forward for Corporate One. He has over 12 years of experience in balance sheet risk management and a deep understanding of the credit union industry.
New ways we asked for your feedback: Built on the cooperative values credit unions share, we were thrilled to launch Peer Council—our new collaborative feedback group. Joining the Peer Council is one of the best ways to help support the direction of Corporate One’s products and services through increased peer collaboration. We currently have 102 council members across two committees: Engagement and Research. If you’re interested in applying for one or both committees, you can visit the Peer Council application page.
Immediate payments connections made: To ensure your members have access to the same immediate payment solutions as the largest financial institutions, we worked hard this year to accelerate connections to the two immediate payments rails. In May, we reached a significant milestone that reflected not only our progress but also the strength and innovation of the credit union movement as a whole; we officially celebrated 100 go-lives on the RTP network or FedNow Service through our Immediate Payments Third-Party Service Provider (TPSP) solution. In total this year, we are proud to report 49 new connections to the RTP network and 22 to the FedNow Service—a 53% increase in total connections over last year. We are ready to hit the ground running in 2026 with a robust pipeline of 69 more connections ready to go live in the first part of 2026.
Educational opportunities offered: Throughout 2025, we remained steadfast in our commitment to member growth, delivering a robust suite of educational opportunities designed to keep you at the forefront of the industry. We hosted 20+ high-impact webinars, delivering deep dives into essential industry skills like fraud mitigation and strategic loan pricing. We also presented at a record 10 industry events on the topic of immediate payments. Your participation fueled a year of incredible intellectual progress across our community. The on-demand versions of these webinars can be accessed via our events page or by visiting the Support Center within our Members Only portal.
In-person events hosted and sponsored: We had a very successful year of industry collaboration through a diverse calendar of 69 events, which included hosting, sponsoring, and attending a wide range of chapter nights, roundtables, and conferences. We enjoyed meeting and chatting with many of you in person, and we’re looking forward to another full year of events in 2026 that will allow us to connect and interact with as many members as possible.
Contributions to our industry and our communities: As a proud member of an industry committed to service and community citizenship, Corporate One wholeheartedly supports opportunities throughout the year to step up and give back. We contributed approximately $316,000 to industry causes in 2025, and you can learn more about some of the specific ways we gave back this year in this month’s feature article.
As we look ahead to the new year, we remain dedicated to our core principle of "people helping people" along with our mission of elevating and empowering credit unions to drive your members' financial success. From all of us at Corporate One, we send you our warmest wishes for a very Happy New Year. We look forward to serving you with excellence in 2026 and beyond.