Small institution A very small credit union with fewer than 10 employees and sub $1M in revenue signals a potential need for affordable, scalable back-office and digital banking solutions, SMB-focused consulting, and streamlined regulatory/compliance support.

Digital footprint Existing technology stack includes PHP, jQuery, Google Analytics, Nginx and Tealium, indicating reliance on legacy and moderate web tech with analytics. Opportunity to offer modernization, security hardening, and data-driven marketing automation.

Security focus Use of reCAPTCHA suggests basic bot protection; this may indicate openness to enhanced cybersecurity, fraud prevention tooling, identity verification, and phishing defense tailored for small financial institutions.

Growth readiness Low revenue and small team size imply budget-conscious environment, but potential interest in cost-effective cloud-ready payments, core modernization, and outsourced compliance to enable scalable growth.

Competitive landscape Listed peers are mid to large banks with significant revenue; position Kokomo Heritage Federal CU as a nimble, regional partner for community-focused digital banking enhancements, member experience improvements, and targeted marketing services.