ACE Credit Union Services · Annual Conference 2026

The Credit Union Decision Confidence Snapshot 2026

What are the biggest decisions facing credit unions today?

We’re gathering anonymous perspectives from credit union leaders across the UK to better understand the challenges, opportunities and uncertainties shaping the future of the movement.

All contributors will receive a summary of the findings.

Anonymous.Sector-wide.Shared learning.

Why participate?

Credit unions are navigating increasing complexity.

Regulatory change.

Digital transformation.

Member expectations.

Growth pressures.

Operational resilience.

Yet many of the most important decisions still depend on judgement.

The aim of this initiative is to create a clearer picture of:

The biggest decisions facing the sector
Where leaders feel most confident
Where uncertainty still exists
Which stakeholder perspectives may be missing

The findings will be shared back with contributors to support learning across the movement.

What contributors will receive

Sector Insights

A summary of the biggest strategic decisions facing credit unions across the UK.

Confidence Gaps

An overview of where leaders feel most and least confident.

Emerging Themes

The stakeholder, governance and growth themes appearing across the sector.

No individual credit union responses will be identifiable.

Share your perspective

This should take approximately 3–4 minutes.

What is the biggest strategic decision facing your credit union over the next 12 months?(required)

Which category best describes this decision?(required)

How confident do you feel about this decision today?(required)

1 = Very uncertain · 10 = Very confident

Very uncertain

12345678910

Very confident

Where do you feel least confident?(required)

Which stakeholder group do you think your organisation understands least well today?(required)

What assumption might your board currently be making that could prove wrong?(optional)

If we published a sector-wide Decision Confidence Snapshot later this year, what question would you most want it to answer?(optional)

Would you like a copy of the findings?(required)

Anonymous. Your response will not be attributed to you or your organisation in any published output.

About Polar Insight

Polar Insight helps organisations make better decisions in complex and regulated environments.

Our work focuses on helping leadership teams understand how decisions are likely to land with customers, regulators, frontline teams and other stakeholders before major changes are made.

This initiative forms part of our ongoing work exploring decision confidence, governance and stakeholder reality across regulated sectors.

polarinsight.com