Captive Strategy For Credit Unions: Cut Healthcare Costs, Boost ROA
A data-backed guide for credit union leaders evaluating healthcare captives as a long-term financial strategy
Healthcare has become one of the largest and least predictable expenses on a credit union’s balance sheet, putting sustained pressure on margins, ROA, and long-term planning. This executive guide examines how a growing number of credit unions are addressing that challenge by rethinking healthcare as a financial strategy rather than a benefits expense.
In this white paper, you’ll learn:
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Why traditional broker-managed plans consistently fail to deliver predictability, and why annual cost increases have become structural rather than unavoidable
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How credit union–only captives outperform generic and multi-industry models, reducing volatility through aligned risk pooling and shared incentives
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What five years of real-world performance data reveal, including average premium savings of 21% and cases where costs have declined year over year
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How participating credit unions are reinvesting savings into employee compensation, technology, member services, and ROA protection
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What leadership teams should evaluate when determining whether a captive is a realistic next step or a longer-term strategic option
This guide is designed for CEOs and CFOs who want clarity, data, and peer insight—not theory—before making decisions that impact margins and long-term competitiveness.
Complete the form to access the executive guide.