Digital Onboarding Michigan First has already partnered to digitize in-branch and online account opening (Mantl). There is a clear opportunity to extend digital onboarding to mortgages, business accounts, and member onboarding across channels, using modern identity verification, e-signatures, and seamless core integration to drive growth and reduce friction.

Mortgage Tech Growth With in-house mortgage origination, underwriting, and servicing since 2014, there is potential to introduce a modern loan origination system, automated underwriting, risk analytics, and enhanced mortgage servicing tools to improve efficiency and borrower experience.

HR Tech Opportunity A new Chief Human Resources Officer suggests a focus on people strategy; there is potential to offer HRIS, payroll, benefits administration, employee engagement, and learning platforms that help attract and retain talent while ensuring regulatory compliance and data security.

Insurance Cross Sell Michigan First launched an insurance agency in 2016; there is an opportunity to deepen insurer partnerships with a unified CRM, policy administration, and data-driven cross-sell campaigns to members and small businesses seeking bundled financial and insurance products.

Security and Compliance With assets and regulatory exposure in financial services, there is a strong case for advanced cybersecurity, MFA, incident response, vendor risk management, and regulatory compliance solutions tailored to credit unions to protect member data and maintain trust.