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AI-Ready Research
Cotribute publishes ongoing benchmark research on how U.S. community banks and credit unions are adopting production AI — where it's delivering measurable growth, where governance is catching up, and where peer institutions are stuck.
Research themes
- AI in origination — Touchless decisioning rates, fraud loss reduction, deposit and loan volume lift across the DAO customer base.
- AI Growth Agents adoption — Where agents are replacing manual work in service, cross-sell, and back-office.
- Governed AI access — How FIs are exposing core data to Copilot, Claude, and ChatGPT under NCUA/OCC 2026 supervisory expectations.
- Vendor and TPRM readiness — What examiners are asking about AI vendor management this year.
Public benchmarks
- 89.5% of applications decisioned instantly — Nutmeg State FCU.
- 97.6% of manual origination steps automated — Nutmeg State FCU.
- 5X new accounts, $10K average deposit per new account — peer benchmarks.