Your credit union’s million dollar R&D department. We do the hard work for you. We scan the horizon, research the issues you face, and create actionable solutions to both the problems you know are coming and the ones you haven’t seen yet.

By pooling the resources of over 70 credit union and CUSO owners, MDC is able to deliver meaningful solutions efficiently and affordably while also learning the lessons of what doesn’t work—all without exhausting your entire credit union’s budget for exploration and development.

We also believe that our research must be driven by our owners for our owners. While we do the heavy lifting for them, our credit union owners both advise and participate in our work, making them not just investors but also partners.


Unique— Our strength comes from the rich experiences, deep insights, and positive energy of those credit unions who share the MDC vision. The 60+ large credit unions (median assets of $2 billion) and credit union service organizations that form our ownership are progressive, proactive, responsive, and forward thinking. They have recognized that credit unions must adapt to the 21st Century economy and, more importantly, are making the investments to do so.

Thought provoking—We host semi-annual owner meetings that include stimulating content, unique speakers, and opportunities to network and build relationships with other progressive and innovative people who want to get things done within the cooperative financial sector.

Innovative—Our annual NextUP program gathers the brightest young stars from our owners to collaborate together on novel solutions to problems they see on the front lines every day. Involving these up-and-comers from our ownership ensures that each of our owners has the opportunity to foster innovation within their ranks and solve common problems with insights from progressive credit unions across the country.

Nimble—Having the most owners is not our goal at MDC; it’s having the right owners. By keeping our growth manageable and being selective about who we partner with, MDC can maintain a clear vision of both what our owners’ needs are and what deliverables will best fulfill them. By keeping the MDC family close-knit, we also ensure that our owner meeting experiences are responsive to what our owners need to learn and talk about and that everyone’s voice is heard.

Fast facts

Our MDC owners represent:

  • $224.4 billion in assets
  • $162.6 billion in loans
  • $67.3 billion in mortgages held
  • 15.6 million members
  • 10.1 million checking accounts
  • 40,000+ employees
  • 1,901 branches

As a group we boast:

  • 10.8% capitol ratio
  • 90.5% loan to share ratio
  • 2.9% member growth

Learn more

About MDC

MDC’s Project Strategy

Owner Meetings


Joint Projects