MDC is the credit union network’s multi-million-dollar R&D department. We scan the horizon, research the issues, and create actionable solutions to solve problems for today – and tomorrow.

By pooling the resources of 83 credit union and CUSO owners MDC is able to deliver meaningful solutions efficiently and affordably. We learn the lessons of what does and doesn’t work — without exhausting your 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, our credit union owners both advise and participate in the work not just investors, but partners.


Unique – MDC’s strength comes from the rich experiences, deep insights and positive energy of the credit unions who share our vision. Our credit union and CUSO owners are progressive, proactive, responsive, and forward-thinking, recognizing the need for our industry to adapt to an ever more digital and accelerating economy.

Collaborative – Spanning the country from Anchorage to Miami and from San Diego to New England, our owners work together to become more than the sum of their parts. Those who are the most engaged with the work we do reap rewards that far outpace the cost associated with ownership.

Thought-provoking – Our semi-annual owner meetings deliver stimulating content and unique speakers who challenge our network of credit unions to excel in new ways. Our sales-free event environment is unique to MDC, providing our owners the best opportunity to network and build relationships with other progressive and innovative organizations.

Innovative – Innovation is the foundation of MDC, and our annual NextUP program gathers both up-and-comers and seasoned performers representing the brightest stars from across our ownership to create new ideas for our industry. Participants collaborate with each other, MDC staff, and outside subject-matter experts to develop novel solutions to the problems they see on the front lines. Sending a representative to NextUP helps our owners foster innovation within their ranks, while building a network of collaborators across progressive credit unions throughout the country.

Nimble – Having the most owners is not our goal. It’s about having the right owners. By keeping our growth manageable and being selective about whom we partner with, we maintain a clear vision of our owners’ needs and what deliverables will best fulfill them.

Fast Facts

Our MDC owners represent:

  • 83 Owners
  • $300 billion in total assets
  • $186 billion in loans
  • $85.6 billion in mortgages held
  • 17.8 Million Members
  • 11.5 million checking accounts
  • 45,000 team members
  • 2,038 branches

As a group we boast:

  • 9.6% capital ratio
  • 75% loan to share ratio
  • 12% member growth