COCC is a cooperative financial technology provider that builds and operates core banking, digital banking, payments, lending and managed-service systems for community banks and credit unions. Founded in 1967 and owned by its client institutions, the company serves more than 175 institutions across the Northeastern United States. Its cooperative structure and client-guided development model mean recurring input from the banks and credit unions it serves shapes product direction.
Engineering work spans core banking platform development on a relational-database core, digital banking, payments and lending technology, document management, analytics, cybersecurity, network services, private cloud infrastructure and managed IT services. COCC also undertakes legacy system migration at scale: it moved its entire client base from a proprietary legacy environment onto an open, next-generation core banking platform built on a relational-database core.
The company operates in the community banking, credit unions, financial services and financial technology verticals. Client retention is long-standing, with several original founding institutions still clients today, and the founding principle of client control over features, costs and technology delivery remains central to its governance.
