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LENEXA, Kan. — To natural person credit unions, U.S. Central can be difficult to understand. For example, it’s the nation’s top credit union, but it only has 26 members. It’s the ultimate example of combining assets for the benefit of members, but none of them show up on Fridays to cash paychecks or request credit limit increases.

Nonetheless, U.S. Central Credit Union touches nearly every single credit union in the country. On those Friday paydays, members aren’t lining up for teller service, but U.S. Central is every bit as busy, helping its member corporates avoid daylight overdrafts as they manage a flurry of deposit activity.

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