Credit unions and community banks are entering 2026 financially strong, but operationally challenged. The FMSI 2026 State of the Industry Report, created by Jacob Reeves, analyzes the major forces reshaping community financial institutions and what leaders should prioritize over the next 12 months. From consolidation and branch transformation to staffing shortages, digital expectations, AI adoption, and regulatory pressure, the report provides a clear look at where the industry is headed—and what it will take to compete.