Dear Members:
As we move through 2026, I’m pleased to share an update on our two wholly owned credit union service organizations (CUSOs), Accolade Investment Advisory and Lucro Commercial Solutions. While each CUSO serves a distinct purpose within the credit union ecosystem, both are driven by the same commitment: Helping credit unions strengthen their financial performance, expand opportunities for their members, and achieve their strategic goals.
What continues to distinguish Accolade and Lucro is a shared foundation of exceptional talent, deep industry expertise, and a collaborative approach that puts credit unions' needs first. Their teams work closely with their clients to understand challenges, identify opportunities, and deliver practical solutions that create meaningful results.
In an environment marked by evolving member expectations, economic uncertainty, and increasing competition, Accolade and Lucro are helping credit unions navigate change with confidence. Let’s take a moment to highlight their growth and accomplishments from the first half of 2026.
Providing investment advisory, interest rate risk analysis, and credit risk modeling since 2007
Accolade has used the first half of 2026 to convert strong organic demand into long-lasting infrastructure, focusing on expanding market visibility, building systems to scale profitably, and tightening defenses around compliance and data integrity. That strategy is already producing measurable results.
Year to date, Accolade has secured 10 new client contracts, representing nearly $200,000 in annualized revenue. At the same time, its Loan Pricing & Profitability solution has emerged as the company's fastest-growing service offering, with 14 credit unions now fully onboarded and leveraging the platform to make more informed lending decisions.
Today, Accolade serves more than 100 credit unions nationwide through its suite of products and services, reflecting the growing demand for data-driven insights and strategic balance-sheet management solutions across the industry.
The CUSO has also strengthened its internal capabilities by adding Chris Urbaniec as a full-time team member. Previously serving as a contractor, Chris's transition to a permanent role enhances Accolade's loan analytics expertise and further embeds this critical function within the organization.
Looking ahead, Accolade has begun developing additional software solutions to enhance the scalability of its consulting services while equipping credit unions with new tools to strengthen balance sheet management, profitability analysis, and strategic decision-making.
Supporting commercial loan programs nationwide since 2003
Year to date, Lucro has welcomed five new credit union partners and is managing the largest business development pipeline in the company's history. Growth has also been fueled by the continued success of the LoanSplit platform, which is generating new opportunities and expanding Lucro's reach across the marketplace.
On the technology front, the team is completing one of the most significant initiatives in company history. Toward the end of the month, Lucro's technology platforms will transition to a new hosting environment. Following the successful launch, users can expect a refreshed, modern interface along with enhanced functionality designed to improve the overall experience and increase operational efficiency.
Looking ahead, preparations are well underway for Thrive 2026, which will take place in Chicago this September. This signature credit union event for commercial lenders, held approximately every 18 months, brings together industry leaders and professionals to share ideas, build connections, and explore emerging opportunities. The Lucro team has been hard at work securing an outstanding lineup of speakers and creating valuable networking experiences that promise to make this year's conference one of the best yet.
As we reflect on the first half of 2026, I’m proud of the accomplishments, growth, and value both organizations have delivered. These highlights showcase the expertise, innovation, and commitment that make Accolade Investment Advisory and Lucro Commercial Solutions important contributors to the success of our credit union community.