Cloud Website Modernization Leverage the current Drupal on Google Cloud stack to propose a cost effective modernization plan. Offer managed Drupal hosting, routine security patches, performance tuning, and automated backups to reduce maintenance for a small team. This aligns with a lean footprint and can scale as revenue grows.

Security and Compliance Small banking oriented organizations require strong security controls. Propose services including security assessments, patching, vulnerability scanning, incident response planning, and PCI and data privacy alignment. Position as a low friction security overlay to protect member data with continuous monitoring.

IT Resource Optimization With a tiny staff, outsourced IT can deliver reliable support without new headcount. Offer a bundled managed services package including patch management, monitoring, help desk, and backup and disaster recovery. Emphasize predictable monthly costs and quick onboarding.

Digital Engagement Growth Opportunity to improve digital member experience. Recommend enhancements to the website and potential member portal, online loan applications, and SEO improvements to attract more inquiries. Propose analytics and conversion optimization to increase digital engagement and self service.

Strategic Partnerships Given the electric cooperative context and similar players, there is room for partnerships and procurement efficiencies. Propose becoming a preferred vendor for cloud hosting, security services, and IT managed services to multiple small utilities and banks. This can unlock bundled pricing and cross selling across the sector.