I believe credit unions are more centralized than commercial banks. CUs are tiny operations, which means they cannot afford to do everything in-house. CUs outsource like crazy. All CUs use the same couple of billpay services. They use the same statement printing service. They’re not generally competent enough to do their own website, so they outsource the website. Most of them centralize further by putting their website on Cloudflare. They never write their own smartphone app, so a few app makers serve all credit unions nationwide.

It’s a disaster really. No matter which CU you choose, the same giant outsourced entities process your data. Commercial banks tend to be more decentralized because they do more in-house work (depending on their size). It’s rare for a commercial bank to MitM their website with Cloudflare, but hard to find a CU that does not do that.