Executive Summary
cu.app is a modern banking platform that enables credit unions to deploy world-class digital banking experiences through a single, configurable codebase. We replace the expensive vendor sprawl that costs credit unions $220K-5M annually with a unified platform starting at $5K/year.
The Problem
5,400 US credit unions collectively spend $50B+ annually on fragmented technology:
- • 10-30 different vendors per credit union
- • Poor integration between systems
- • Slow innovation cycles (12-24 months for new features)
- • Mobile experiences that can't compete with neobanks
- • Small credit unions priced out of modern technology
The Solution
One platform. Infinite configurations.
- • Single monorepo deployed to custom domains
- • Configuration-driven architecture - no code forks, infinite customization
- • Tier-based pricing - $5K/year for micro CUs, $500K+ for mega CUs
- • AI-powered features - fraud detection, routing optimization, compliance automation
- • 4-6 month deployment - not 18-24 months
Market Opportunity
Total Addressable Market
$50B+
Annual tech spend by US credit unions
Credit Unions
5,400
Serving 140M members
Growth Trajectory
Year 1
10 credit unions | $500K revenue
Year 3
100 credit unions | $15M revenue | Break-even
Year 5
500 credit unions | $92M revenue | $37M profit
Year 10
2,000 credit unions | $368M revenue | $147M profit
Technology Stack
Frontend
Next.js 15
Flutter 3.5
TypeScript
Tailwind CSS
Backend
Node.js + Express
Python (AI agents)
PostgreSQL
Redis
Infrastructure
Vercel
AWS
Cloudflare
Multi-region
Why We'll Win
1. Price
60-90% cheaper than incumbents
2. Speed
6 months to deploy vs 18-24 months
3. Technology
Modern stack, AI-native, configuration-driven
4. Network Effects
Every new credit union makes the platform better
5. Unit Economics
81% gross margins, 25:1 LTV:CAC ratio
Funding Requirements
Seed Round
$5M
18 months runway to reach 10 customers
Series A
$25M
Month 18, scale to 100 customers
Series B
$75M
Month 36, scale to 500 customers
Our Mission
Democratize world-class banking technology for every credit union in America, from the smallest rural cooperative to Navy Federal.
The credit union movement deserves technology that matches their mission.
We're building it.
Ready to Learn More?
Join the waitlist to be notified when we launch.