Appendix E

The Cooperative Spoke First.

Primary partners: Ray Ortiz, Olin Business School, WashU · Quaite Dodson, Credit Union Executive & Growth Leader

Savings earned through trust.

Trust built through cooperation.

Cooperation deployed through data.

Data pointed by vision.

Pillar

Member Outcomes

"My job is to turn credit unions into owners whose data advantage compounds."

The Persona

$200M-$800M CU on Route 66, losing members to a neobank it can't see coming.

"The credit union existed before the data layer did."

The Economics

$2,500 $35,000

LTV taller than CU-CAC. Always.

"I don't just see the opportunity. I build the trust that captures it."

Pillar

Cooperative Culture

"My job is to build the thing that can't be extracted by a shareholder."

Neobanks

Automated

Transactional

Investor-First

Greencap

Member-Owned, Modern

Transparent, Data-Driven

CUs, Not Customers

"Vanguard proved cooperative ownership scales in asset management. We prove it scales in data."

"No formula makes a credit union trust a vendor. So they don't have to — they own it."

Pillar

Operational Excellence

"My job is to make onboarding CU one feel like onboarding CU four hundred."

Funnel

League intro → Pilot → Member → Renewed & Expanded.

Readiness

Core Banking

Regulatory

League Fit

Data Governance

Output

Integration checklist. Governance onboarding doc. Benchmark brief.

"The process isn't bureaucracy. It's how the trust survives at scale."

Pillar

Strategy & Vision

"My job is to know which mile marker we hit next, and why now."

The Formula

Corridor density → League strength → Core-banking fit → Regulatory readiness → Sequence.

Route 66 Corridor

Mile zero: St. Louis. Built to run the whole route.

Horizon

Yr 1-2: St. Louis anchor + 20 CUs.
Yr 2-3: Route 66 to Albuquerque.
Yr 3-5: National.

Robinhood and Chime are in California. We start on Route 66.