Credit union adopts phased rollout beginning with new loan application, ahead of full digital banking conversion planned for 2026
New Cumberland Federal Credit Union (‘NCFCU’) has chosen Mahalo Banking’s Thoughtful Banking® platform to expand its digital presence, elevate security, and deliver a more modern experience for members and staff.
The partnership began with the launch of NCFCU’s new express online loan application, which Mahalo helped bring to market following the sunset of the credit union’s previous solution. NCFCU needed a seamless transition to ensure uninterrupted lending access for members, and Mahalo delivered this conversion to the new lending application in advance of the credit union’s full digital transformation. The complete digital banking conversion to Mahalo’s Thoughtful Banking® platform is planned for early 2026.
“We were ready for a partner that could help us offer more, move faster, and create a truly intuitive member experience,” said Ron Ferrance, CEO of NCFCU. “Mahalo’s platform offers exactly what we were looking for to upgrade our digital banking experience, and they can deliver far more than we’ve been able to achieve before. Their platform aligns perfectly with our vision for growth, and we are confident they can help us deliver an elevated digital experience.”
Looking ahead, NCUFCU anticipates significant benefits for members, including features that better support long-term innovation goals. One of the most important capabilities for the credit union is the introduction of unique logins, which will offer a more personalized and secure sign-in experience.
Mahalo’s track record of consistent delivery, transparent communication, and roadmap-driven innovation also strongly resonated. “We value partners who communicate clearly and follow through,” added Ferrance. “Mahalo has shown a deep commitment to collaboration and to delivering what they promise. That synergy gives us confidence as we plan for the future.”
“Successful digital transformation is built on aligning technology with overarching operational goals,” said Denny Howell, COO of Mahalo. “Our team believes in true collaboration, not a one-size-fits-all partnership approach. We listen carefully and work side by side with each credit union to understand its needs and support its strategic priorities. With NCFCU, we are executing a phased approach that not only creates instant value for prospective members but also lays the groundwork for a seamless, fully integrated digital ecosystem upon the platform’s full launch.”