In a year that began with crisis mode for many NDIS providers, 2025 demands a shift toward structure, strategy, and sustainable financial operations. The sector stands at a crossroads, burdened by rising labour costs, tighter audits, and unrelenting compliance requirements. Financial fragility is no longer just a concern; it’s a constraint on mission. But these issues aren’t unsolvable.

Every so often, a strategic tool quietly enters the scene that changes how businesses operate and reshapes how leaders think, act, and compete. Not through disruption or hype - but by revealing something fundamental that’s been overlooked. For boards, CFOs, and executive teams navigating the complex terrain of growth, risk, and regulation in 2025, that shift is being powered by a strategy tool that few are using to its full potential.

This year’s Credit Union Outlook Report 2025, produced by Drova in partnership with the Swoboda Research Centre, distils the insights of 18 senior credit union leaders alongside survey data from 51 institutions across the UK and Ireland. The result is a uniquely detailed look at a sector under pressure, but far from standing still.