Corporate Central Credit Union
2025 Annual Report
Strength. Adaptability. Progress.
Chris Felton
President/CEO
A Note From Chris
As we reflect on 2025, I am proud of the strength, adaptability, and progress demonstrated by Corporate Central and our CUSOs. In a year marked by economic uncertainty and a rapidly evolving financial services landscape, your credit union's credit union remained resilient, well positioned, and focused on delivering value where it matters most.
Throughout the year, Corporate Central remained steadfast in our commitment to safety and soundness while executing strategic initiatives designed to support your liquidity, operational efficiency, and long-term growth. Disciplined balance sheet management, prudent risk oversight, and continued capital strength allowed us to navigate shifting market conditions while maintaining the stability and reliability our members expect.
Financial Performance
Financial Strength and Resilience
Consolidated Balance Sheet
Year in Review
2025 Highlights
Corporate Central
In 2025, Corporate Central advanced its mission to support credit unions through resilient operations, expanded technology, and deeper industry engagement. We focused on modernizing money movement, strengthening liquidity and investment services, and delivering education and collaboration opportunities that helped members navigate a rapidly changing financial landscape.
In addition to strong, steady operations, we continued to grow our reach and deepen our support for member credit unions. In 2025, we welcomed 25 new members across 12 states and secured 277 new service contracts across Corporate Central and our CUSOs. That growth reflects something we value deeply: when credit unions have more options, better tools, and trusted partners, they are better positioned to serve the people and communities who rely on them.
New Members Welcomed
Across 12 states
New Service Contracts
Across Corporate Central and CUSOs
Beastro Platform Advancements
Corporate Central continued to transform the member experience through Beastro, our unified digital platform for money movement. In 2025, our focus was simple: make critical financial operations easier, faster, and more secure for the credit unions we serve.
In 2025, we:
Introduced Corporate Certificates, providing self-service access to certificate offerings, holdings, and safekeeping documents.
Launched Business ACH within Beastro Business, enabling credit unions to offer secure ACH origination and management for business members through a branded digital experience.
Launched Business Verification, streamlining Know Your Business (KYB) processes and improving speed, accuracy, and confidence in business onboarding and due diligence.
Delivered user interface and usability improvements across Beastro, including workflow refinements, visual updates, and user preference options.
Behind-the-Scenes Improvements
We also delivered major behind-the-scenes improvements that help credit unions operate with confidence. These included implementing the industry's transition to Fedwire ISO 20022 messaging, expanding security and access features, and enhancing reporting and reconciliation options, such as the ability to export transaction data in BAI format. We also introduced Beastro Link (API) capabilities to support more streamlined integration and automation.
By eliminating redundant vendors, enhancing security, and providing an intuitive, unified interface, Beastro empowers credit unions to optimize efficiency and reliability in money movement. Our direct development and in-house support ensure continuous innovation tailored to member needs.
To support your teams beyond the platform itself, we also expanded the resources available to members so you can find answers quickly, stay informed on improvements, and plan with clarity. This continued commitment to transparency and usability is part of how we aim to be not just a service provider, but a responsive partner for the credit unions who depend on us every day.
Strengthening Communities and Industry Connections
Culture, Community & Collaboration
Workplace Culture and Employee Experience
In 2025, Corporate Central earned the Great Place To Work® Certification™, a recognition based entirely on direct feedback from employees. Survey results showed that 100% of participating employees identified Corporate Central as a great place to work, reflecting a culture built on trust, collaboration, and shared purpose. This milestone reinforces our long-standing belief that investing in people drives stronger outcomes for members. The certification affirmed Corporate Central's focus on fostering an environment where employees feel valued, supported, and empowered to do meaningful work in service of the credit union movement.
Proudly Supporting Heroes: Tunnel to Towers Run & Walk 5K
Corporate Central continued its commitment to community involvement in 2025 by returning as the title sponsor of the Second Annual Tunnel to Towers Run & Walk in Milwaukee. Held at Veterans Memorial Park in Muskego, the event honored fallen first responders, military heroes, and their families while bringing together employees, members, and community partners. Participation more than doubled from the inaugural year, and the event raised over $28,000 to support the Tunnel to Towers Foundation's mission. Our sponsorship reflects our deep commitment to giving back and strengthening our communities.
Industry Connection and Momentum 2025
In October, Corporate Central hosted the inaugural Momentum: Insights, Innovation, and Connection conference in Wisconsin Dells, creating a new forum for credit union leaders, partners, and industry experts to connect and collaborate. The multi-day event featured nationally recognized keynote speakers, interactive sessions, and strategic discussions focused on leadership, technology, and the future of financial services. Momentum 2025 was designed to spark meaningful dialogue and fresh perspectives while strengthening relationships across the credit union ecosystem. The strong engagement and positive feedback set the stage for even greater impact in 2026, with plans already underway to expand opportunities for innovation, collaboration, and leadership development across the credit union industry.
Employee Benefits & HR Solutions
InterLutions
In 2025, InterLutions continued to deliver employee benefit and human resources solutions designed to control costs, support employees, and drive long‑term organizational stability. With a growing network and an emphasis on data‑informed decision-making, InterLutions remained focused on helping credit unions navigate rising benefit costs while maintaining competitive and sustainable offerings for their teams.
As benefit costs and complexity continued to rise, InterLutions focused on making support more proactive and easier to access—strengthening internal processes, expanding networks, and improving how credit unions experience service. The result is a more streamlined, consultative partnership that helps credit unions protect their people, stay competitive in talent markets, and keep long-term benefit strategies sustainable.
Investing in Internal Growth and Client Support
WE-Care: A Complete and Holistic Wellness and Education Solution
InterLutions and Acumen Financial Advantage Collaborate
Balance Sheet Optimization
QuantyPhi
In 2025, QuantyPhi continued to expand its role as a trusted advisor to credit unions seeking clarity in balance sheet strategy, risk management, and regulatory compliance. With a focus on balance sheet optimization, analytics, and education, QuantyPhi supported credit unions as they navigated market volatility, liquidity pressures, and increasing regulatory expectations.
To help credit unions plan through uncertainty with more clarity and control, QuantyPhi introduced new tools and education designed to turn complex balance sheet questions into actionable decisions. A major milestone in that work was the launch of ALM360 in December 2025, bringing key modeling, analytics, and reporting capabilities together in one integrated experience delivered through Beastro. This helps credit unions connect strategy to execution more efficiently, with insights that support stronger risk oversight and more informed decision-making.
Navigating Interest Rate Risk Webinar Series
QuantyPhi continued its commitment to financial education in 2025 with the successful execution of the Navigating Interest Rate Risk webinar series. The series addressed challenges posed by rate uncertainty and provided practical tools and strategies for navigating a range of interest rate scenarios effectively.
ALM360: Integrated Balance Sheet Management
QuantyPhi launched ALM360, a comprehensive platform delivered through Beastro that unifies Asset/Liability Management (ALM), CECL modeling, financial simulation and optimization, liquidity reporting, profitability analysis, trading workflows, and peer benchmarking into a single, integrated platform. By consolidating all balance sheet management tools into a single ecosystem, ALM360 transforms how credit unions understand and enhance their financial health.
Corporate Cares
Community Involvement
Our Corporate Cares program continued to be a cornerstone of our community involvement in 2025. Throughout the year, our team generously gave their time, energy, and resources to support a variety of local causes and initiatives.
These moments are just a glimpse into the many ways our team came together to uplift and support others throughout the year. We remain committed to strengthening our communities and look forward to building on this impact in the future.
Community Giving Highlights
Christmas with the Vets
Team members donated hats, gloves, socks, deodorant, soap, and playing cards to bring warmth and joy to veterans over the holidays. In total, we filled 360 stockings with festive treats and essentials to help make the season a little brighter.
Ronald McDonald House of Eastern Wisconsin
Corporate Central volunteers supported the Ronald McDonald House of Eastern Wisconsin by preparing and packing meals for the Lunch-2-Go program, helping ease the burden on families with children receiving medical care. Corporate Central also proudly contributed a financial donation to support the organization's mission of providing a "home away from home" for these families.
Muskego Food Pantry
Corporate Central volunteers sorted donated food to help local families in need.
Hunger Task Force
Corporate Central volunteers supported Hunger Task Force by assembling stock boxes filled with nutritious food for local seniors facing food insecurity. In addition to hands-on service, Corporate Central proudly contributed a financial donation to support Hunger Task Force's mission of ensuring consistent access to healthy food for our community's most vulnerable neighbors.
Reality Check Program
Corporate Central team members volunteered to help high school students navigate real-life budgeting scenarios, offering guidance as they made spending decisions related to housing, transportation, childcare, and more.
Waukesha Hope Center
The Hope Center is dedicated to reducing poverty-related risks that contribute to homelessness by providing essential services like food, clothing, and basic living items. Corporate Central team members assisted with sorting clothing items for their Free Store.
Thank You!
As we look back on a year of meaningful progress, we want to express our heartfelt appreciation to the many people who helped make it happen. To our members, thank you for the confidence you place in us and the partnership you continue to build with Corporate Central. Supporting you as you adapt, grow, and serve your communities is at the center of our mission, and we remain dedicated to showing up with consistency and purpose.
To our employees and leadership team, your talent, commitment, and teamwork power our results and strengthen the service we deliver each day. To our volunteer Board of Directors, we are grateful for your thoughtful oversight, steady leadership, and continued stewardship of our strategic direction. And to our CUSOs, InterLutions and QuantyPhi, as well as our valued partners across the industry, thank you for the innovation, collaboration, and shared cooperative spirit that advances not only our organization, but the credit union movement as a whole. We are proud to do this work alongside you.