Smaller credit unions join forces to form credit union service organizations (CUSOs) that provide a service (e.g., IT support, or lending services) to all member credit unions.
I would love to see US state and local governments do something similar. Start with everyone’s favorite state office: the DMV. I’ve lived in three states. The DMV experience for all three has been pretty bad. This is more frustrating as an software engineer because it is painfully obvious where a bit of software could have a huge improvement. It makes no sense that 50+ states and territories have 50+ systems for the DMV, business registration, taxes, etc. when the basic functionality is most likely the same across all of them.