2026 state of banking and credit union: Growth meets risk

Banks and credit unions enter 2026 with confidence — and challenges. Wipfli’s latest research shows most leaders expect asset growth of 5% or more in the next year, even as they face rising cyberthreats and talent shortages.

By the numbers: Banking industry

• 67% expect asset growth of 5%+ in the next 12 months
• 81% experienced at least one unauthorized network access incident last year
• 66% plan to open new branches; 55% plan to repurpose existing locations
• 67% are implementing AI, but only 16% have an enterprise-wide roadmap
• 60% say talent shortages could impede strategic priorities

“Banks are pushing for growth while rebuilding their digital foundations,” said Anna Kooi, Wipfli partner and financial services practice leader. “The institutions that win in 2026 will pair disciplined AI roadmaps with modern risk controls — and invest in the talent that can navigate both.”

By the numbers: Credit union industry

• 57% expect asset growth of 5%+ in the next 12 months
• 92% are participating in or planning BaaS/embedded banking
• 77% experienced at least one unauthorized network access incident last year
• 64% rank improving digital member engagement as a top priority
• 82% are implementing AI

“Credit unions thrive when innovation strengthens the member relationship,” Kooi said. “In 2026, the advantage goes to teams that align embedded banking and AI with clear governance — and design digital engagement that earns trust every day.”

Want the full picture?

Download Wipfli’s state of banking industry 2026 and state of credit union industry 2026 reports for detailed findings, trends and recommendations.