Leverage

What Leverage does

LEVERAGE is the for-profit service corporation and partnership aggregator of The League of Credit Unions & Affiliates, serving credit unions primarily across Alabama, Florida, Georgia, and Virginia with a curated portfolio of technology, operational, and consulting solutions. The company operates a two-pronged model: a network of wholly-owned Credit Union Service Organizations (CUSOs) including Shared Cooperative Services, Members ATM Alliance, Common Bond Title, Tru Treasury, LEVERAGE Payment Solutions, Credit Union Audit Group, CU Vendor Management, LEVERAGE Benefits Group, and LEVERAGE HR Solutions, alongside a curated catalog of partner products such as Scienaptic AI (credit decisioning), Clutch and Valiify (digital account opening and loan origination), Eltropy (text messaging), Glia (digital member service), DefenseStorm (cybersecurity), Dynamic Quest (managed IT), Access Softek (digital banking), and PAR North America (vehicle transition services). The platform is organized around ten solution categories covering employee management, expense reduction, lending and payments, liquidity, marketing, member relations, non-interest income, operations, risk management, and technology.

Revenue is generated through a combination of subscription and managed-services fees from owned CUSOs, preferred-partnership and transaction-based arrangements with technology and service providers, and consulting engagements (e.g., Advantage's overdraft and contract-negotiation services reporting a 98% success rate in reducing vendor contract expenses). Distribution is enterprise-led, relying on a team of Business Development Consultants and four regional offices in Birmingham AL, Tallahassee FL, Duluth GA, and Richmond VA, supplemented by the annual ENGAGE conference hosting 1,200+ attendees and 200 exhibitors. The go-to-market is deliberately partnership-driven: LEVERAGE connects credit unions to best-in-class providers rather than building every capability in-house, while aggregating scale across its CUSO subsidiaries that, taken together, touch more than 175 credit unions, $16B+ in loan participations, and a 5,600-location shared branching network.

Name

Leverage

Legal name

LEVERAGE

Website

https://myleverage.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

51–100 employees

Short description

LEVERAGE is the for-profit service corporation of The League of Credit Unions & Affiliates, serving credit unions across the U.S. Southeast with a portfolio of owned CUSOs and curated partner solutions spanning lending, payments, cybersecurity, digital banking, compliance, and operational services.

Ownership category

akta.pro rank

Product category

Credit Union Services

NAICS

Credit Unions (522130), Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Functions Related To Depository Banking, Nec (6099), Finance Services (6199)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Credit union services
• Lending technology
• Cybersecurity solutions
• Payment processing
• Digital banking

Headquarters

HQ city

Tallahassee

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Partnership and Solutions Aggregation: LEVERAGE serves as an intermediary connecting credit unions with technology and service providers, generating revenue through preferred partnership arrangements, vendor management fees, and transaction-based arrangements with its portfolio of solutions.
2. Owned CUSO Operations: LEVERAGE operates wholly-owned subsidiaries including LEVERAGE Payment Solutions, LEVERAGE Benefits Group, LEVERAGE HR Solutions, Common Bond Title, Shared Cooperative Services, Members ATM Alliance, and CU Vendor Management, generating revenue through service fees.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

LEVERAGE is the for-profit service corporation and partnership aggregator of The League of Credit Unions & Affiliates. It operates as a Credit Union Service Organization (CUSO) and solutions aggregator, providing credit unions with curated technology platforms, owned operational services, and consulting across cybersecurity, digital banking, lending, payments, treasury management, compliance, member experience, and shared branching.

Product overview

LEVERAGE is the for-profit affiliate of The League of Credit Unions & Affiliates, functioning as a platform-and-partner ecosystem that provides credit unions with a comprehensive portfolio of technology solutions, operational services, and business consulting. The offering is structured as multiple interconnected products rather than a single unified platform. The core technology portfolio includes IDgo (mobile authentication), DefenseStorm (cybersecurity), Eltropy (text messaging), Glia (digital member service), Access Softek (digital banking), Clutch/Valiify (digital account opening and loan origination), Scienaptic AI (credit decisioning), Dynamic Quest (managed IT), and LEVERAGE Payment Solutions (debit/credit/gift cards). Operational services span Members ATM Alliance (ATM management), Shared Cooperative Services (shared branching), Credit Union Loan Source (indirect auto lending), Common Bond Title (title/closings), RecordLyf (document storage), Diamond Communications (document delivery), PAR North America (vehicle recovery), and OneDigital/Synergi Partners (tax credits). Consulting services include Advantage (overdraft/contract negotiation), Tru Treasury (treasury management), CU Audit & Compliance Group, CUVM, LEVERAGE Benefits Group, LEVERAGE HR Solutions, and Growth by Design. LEVERAGE recently acquired Aux (back-office support) in 2026 and Valiify (digital account/lending) in June 2026, and partnered with Scienaptic AI for AI-powered credit underwriting in February 2025. The ecosystem serves credit unions across Alabama, Florida, Georgia, Virginia, and beyond with partnerships spanning 175+ credit unions.

Differentiator

Problem solved

Functional benefit

Brands

• LEVERAGE Benefits Group: Benefits programs for credit unions
• LEVERAGE HR Solutions
• LEVERAGE Payment Solutions
• LEVERAGE Rewards
• Members ATM Alliance
• Members Core Alliance
• Shared Cooperative Services
• Tru Treasury
• Common Bond Title
• Credit Union Audit Group
• CU Vendor Management

Products and services

• IDgo Mobile authentication platform for credit union member identity verification and digital banking access.
• DefenseStorm (GRID Active) Cybersecurity platform providing threat detection, monitoring, and compliance for credit unions.
• Eltropy Text messaging platform enabling credit unions to communicate with members via SMS, chat, and video.
• Dynamic Quest Managed IT services and helpdesk support for credit unions.
• Advantage Overdraft Consulting Consulting program helping credit unions optimize overdraft programs, compliance, and member outcomes.
• Tru Treasury Treasury management platform for credit union corporate and member treasury operations.
• Clutch Digital account opening and loan origination platform for credit unions.
• Valiify Digital account opening platform with AI-driven cross-sell and member personalization for credit unions.
• Scienaptic AI AI-powered credit decisioning engine enabling smarter loan underwriting for credit unions.
• Glia Digital member service platform offering co-browsing, chat, and voice for credit union member interactions.
• Access Softek Digital banking platform providing online and mobile banking for credit unions.
• LEVERAGE Payment Solutions Owned CUSO providing credit and debit card processing, ATM management, and payment services to credit unions.
• Diamond Communication Solutions Document delivery, statement processing, and member communication services for credit unions.
• Credit Union Loan Source (CULS) Indirect auto lending platform enabling credit unions to participate in auto finance through dealer relationships.
• PAR North America Vehicle recovery and skip-tracing services for credit union indirect lending portfolios.
• RecordLyf Cloud-based document storage and management platform for credit unions.
• Common Bond Title Owned CUSO providing real estate title and closing services to support credit union mortgage operations.
• OneDigital & Synergi Partners Tax credit advisory and consulting services, including employee retention and other incentives, for credit unions.
• Members ATM Alliance ATM management and surcharge-free ATM network for credit unions.
• Shared Cooperative Services Owned CUSO providing shared branching services enabling credit union members to transact at any participating branch.
• LEVERAGE Benefits Group Owned CUSO providing employee benefits brokerage and consulting services to credit unions.
• LEVERAGE HR Solutions Owned CUSO providing human resources consulting, payroll, and HR technology services to credit unions.
• Credit Union Vendor Management (CUVM) Owned CUSO providing outsourced vendor risk management, due diligence, and contract oversight services to credit unions.
• CU Audit & Compliance Group (CUAG) Owned CUSO providing specialized audit, examination, and regulatory compliance advisory services to credit unions.
• Growth by Design Owned CUSO providing branding, marketing strategy, and member growth services to credit unions.

Quantifiable outcome

• Members ATM Alliance provides 30-70% savings compared to current ATM operating costs for credit unions
• +4 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability13 records

Feature3 records

Partnerships

46 partnerships are on record, tiered core and minor.

• ValiifycoreTechnology or Integration · 16 June 2026Modern digital account opening and loan origination platform provider that streamlines operations for credit unions through unified DAO and LOS functionality.
• AuxcoreStrategic or Co-development Partner · 24 February 2026Strategic acquisition to expand access to essential back-office support, reduce systemwide complexity, and deliver more aligned, scalable services for credit unions.
• PenAir Credit UnionminorChannel Partner/ Reseller/ Distributor · 11 February 2026$2.6 billion financial institution partnership with CUVM for contract utilization vendor management services.
• Credit Union Audit Group and Thoroughbred Business ServicescoreStrategic or Co-development Partner · 7 January 2026Strategic partnership between CUAG and Thoroughbred Business Services, the service arm of Kentucky's Credit Unions.
• Pure IT, Tellerix, and Spider NetworkscoreTechnology or Integration · 10 September 2025Three strategic partnerships with industry-leading IT providers to strengthen credit union technology solutions.
• PulsatecoreTechnology or Integration · 8 September 2025Leading provider of intelligent member engagement and mobile marketing solutions for credit unions.
• Shared Cooperative ServicescoreChannel Partner/ Reseller/ Distributor · 2 September 2025SCS subsidiary acquired Credit Union Service Company of Virginia's assets effective October 1, 2025, expanding shared branching reach.
• Melissa Kopp (Chief Revenue Officer)coreOthers · 31 July 2025New CRO appointment to lead revenue generation and growth initiatives.
• McQueen Financial Advisors (MFA)coreStrategic or Co-development Partner · 7 April 2025Strategic partnership offering credit unions a suite of expert financial solutions.
• DefenseStormcoreTechnology or Integration · 11 March 2025Leading provider of cybersecurity risk management solutions designed specifically for financial institutions, offering live threat detection and compliance monitoring.
• Cooperative Business Services (CBS) and Credit Union Mortgage Association (CUMA)coreStrategic or Co-development Partner · 24 February 2025New products and services additions to LEVERAGE family for credit union support.
• Scienaptic AIcoreTechnology or Integration · 18 February 2025Leader in AI-powered credit underwriting, providing advanced AI-driven lending capabilities for faster, smarter credit decisions.
• Dynamic QuestcoreTechnology or IntegrationSecurity-focused managed IT service provider helping credit unions with maintaining, monitoring, and securing internal IT networks.
• ADVANTAGEcoreStrategic or Co-development PartnerOverdraft program consulting with 98% success rate in reducing vendor contract expenses. Provides comprehensive consulting and in-depth analysis for credit union performance improvement.
• DefenseStormcoreTechnology or IntegrationCutting-edge cybersecurity and compliance solutions designed exclusively for financial institutions with live threat detection and compliance monitoring.
• EltropycoreTechnology or IntegrationText Messaging platform enabling credit unions to communicate with members over text in a secure and TCPA-compliant way for lending, collections, branch, sales, marketing, service, and risk management.
• IDgocoreTechnology or IntegrationMobile device authentication solution using encryption technologies to deliver secure member authentication across all engagement channels, reducing impersonation fraud risk.
• GliacoreTechnology or IntegrationDigital member service platform unifying all communication channels (chat, SMS, phone, video) into a seamless experience with co-browsing and live observation capabilities.
• Access SoftekcoreTechnology or IntegrationDigital banking solutions including Access Digital Banking with biometric authentication, conversational banking, fraud prevention, and omnichannel account opening.
• Clutch (WithClutch, Inc.)coreTechnology or IntegrationDigital account opening and loan origination CUSO enabling frictionless applications, fraud detection, and funding via ACH/Debit/Credit Card. Partners with 120+ institutions.
• ValiifycoreTechnology or IntegrationModern digital account opening and loan origination platform combining DAO and LOS capabilities for seamless digital experiences, automated decisions, fraud reduction, and accelerated growth.
• Scienaptic AIcoreTechnology or IntegrationAI-powered credit decisioning platform using advanced machine learning for faster, more accurate, and inclusive lending decisions. Supports 150+ lenders managing $3.9 trillion in assets.
• Tru TreasurycoreStrategic or Co-development PartnerFirst and only CUSO providing end-to-end Treasury program solutions, treasury products, platforms, and sales/servicing support for credit unions.
• Common Bond TitlecoreStrategic or Co-development PartnerTitle insurance and closing services for credit union real estate loans, serving Alabama and Florida with 100+ years of combined team experience.
• Credit Union Audit GroupcoreStrategic or Co-development PartnerAudit and compliance services for credit unions with expert team of auditors providing BSA, ACH, Safe Act, and Loan Review audits.
• CU Vendor Management (CUVM)coreStrategic or Co-development PartnerVendor management services helping credit unions optimize vendor relationships and contracts.
• CU Loan Source (CULS)coreChannel Partner/ Reseller/ DistributorIndirect auto finance company with $2B+ serviced portfolio offering financing through 800+ dealer network across 16 states.
• Growth by DesigncoreStrategic or Co-development PartnerMarketing, web design, and creative services firm providing websites, social media, branding, and public relations for credit unions.
• LEVERAGE Benefits GroupcoreStrategic or Co-development PartnerEmployee benefits solutions for credit unions including insurance and benefit administration services.
• LEVERAGE HR SolutionscoreStrategic or Co-development PartnerHuman resources solutions and support services for credit unions.
• LEVERAGE Payment SolutionscoreStrategic or Co-development PartnerComprehensive payment solutions including debit, credit, gift cards, rewards, chargeback, and ATM services for credit unions.
• Members Core AllianceminorChannel Partner/ Reseller/ DistributorCore banking alliance providing credit unions with additional core system options and support.
• Members ATM AlliancecoreStrategic or Co-development PartnerATM management CUSO providing full suite of managed services with access to 36,000 surcharge-free ATMs, delivering 30-70% savings vs current costs.
• Shared Cooperative ServicescoreChannel Partner/ Reseller/ DistributorState network for Alabama and Georgia, part of national CO-OP Shared Branch network with 83 participating CUs operating 350 outlets.
• LendKeycoreChannel Partner/ Reseller/ DistributorDigital lending platform for private student loans, student refinance, and home improvement loans with $4B+ in total participation volume facilitated for credit unions.
• GliacoreTechnology or IntegrationDigital member service platform reducing member effort by meeting members where they are through unified digital channels.
• LendKeycoreChannel Partner/ Reseller/ DistributorLoan participation model for home improvement loans with 10% equity stake and target net return over 3.00% on weighted average life of 4.5 years.
• Credit Union Loan Source (CULS)coreChannel Partner/ Reseller/ DistributorFull-service indirect auto finance company based in metro Atlanta with $2B+ serviced portfolio in 2020, working with 800+ dealers across 16 states.
• PAR North AmericacoreTechnology or IntegrationNationwide provider of vehicle transition services including recovery management, skip tracing, compliance, and remarketing for credit union auto lending.
• Virtual StrongBoxcoreTechnology or IntegrationSecure file-sharing and disaster recovery solution with 300+ credit union clients and seven security patents.
• PIVOT GroupcoreImplementation/ SI/ Consulting PartnerCybersecurity services including security reviews, compliance assessments, and incident response for credit unions.
• OneDigital and Synergi PartnerscoreImplementation/ SI/ Consulting PartnerTax credit consulting firm offering CARES Act ERC, Disaster ERC, WOTC, and other tax credit identification and filing services for credit unions.
• PAR North AmericacoreTechnology or IntegrationLeading nationwide provider of vehicle transition services for RVs, power sports, and boats lending with recovery management, skip tracing, and remarketing capabilities.
• Diamond Communication SolutionscoreStrategic or Co-development PartnerElectronic and print document delivery serving 450+ credit unions with statements, notices, loan coupons, and marketing communications.
• Dynamic QuestcoreTechnology or IntegrationManaged IT services with 24/7 help desk across offices in NC, GA, FL, AL, and Philippines. Provides endpoint protection, managed firewall, and SOC/SIEM services.
• RecordLyf / Virtual StrongBoxcoreTechnology or IntegrationCloud-based disaster recovery storage vault protecting vital documents with 100MB personal vault per user and document sharing capabilities.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• CO-OP Financial Services: National credit union service organization (CUSO) providing payments, ATM, shared branching, lending, and technology services. Most direct comparable to LEVERAGE given shared CUSO structure and overlapping service portfolio (Shared Cooperative Services operates within CO-OP's national shared branching network).
• Velera (formerly PSCU): Large CUSO providing payments, processing, digital, and risk solutions exclusively to credit unions. Direct comparable to LEVERAGE's payments, technology, and operations portfolio serving a similar credit union member base.
• Allied Solutions: Provider of insurance, lending, and marketing solutions to credit unions and community banks. Comparable to LEVERAGE's LEVERAGE Benefits Group, LEVERAGE HR Solutions, and Growth by Design marketing offerings within the same credit union customer base.
• Alkami Technology: Digital banking and data platform focused on U.S. credit unions and community banks. Comparable as a direct competitor to LEVERAGE's Access Softek and Glia partnership stack for digital member experience.

Broad incumbents

• CUNA Mutual Group (TruStage): Credit-union-owned provider of insurance, lending, and risk management solutions. Comparable as a broad incumbent in the credit union ecosystem offering protection, lending, and member services that overlap with LEVERAGE's benefits, audit, and lending offerings.
• Jack Henry & Associates: Major provider of core banking and technology solutions to credit unions and community banks. Comparable through its credit union technology stack (digital, lending, payments) that competes with several of LEVERAGE's partner-resold offerings.
• Temenos: Global banking software provider with credit union and community bank deployments. Comparable through its core, digital, and lending modules that compete with elements of LEVERAGE's tech partner ecosystem.
• Fiserv: Large financial technology and payments provider with significant credit union footprint through core, digital, and card services. Comparable as a broad incumbent whose product portfolio overlaps with much of LEVERAGE's offerings.

Emerging players

• DefenseStorm: Cybersecurity and compliance platform purpose-built for community financial institutions. Comparable as a technology partner that LEVERAGE resells, and as an emerging player serving the same credit union cybersecurity segment.
• Access Softek: Provider of digital banking, biometric authentication, and omnichannel account opening for credit unions and banks. Comparable as a partner LEVERAGE resells to its credit union base and as a focused competitor in digital banking.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/MY_LEVERAGE
• Facebookfacebook.com/MyLeveragePoweredbyLSCU
• LinkedInlinkedin.com/company/my-leverage

Revenue estimate

Valuation estimate

Number of profiles

Profiles23 records

Subsidiaries9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Leverage