• Involuntary Liquidations - NCUA's Enforcement Manual
    Nov 5 2024
    www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Hello, this is Samantha Shares. This episode covers N C U A’s authority to Involuntarily Liquidate a Credit Union. The following is an audio version of N.C.U.A.’s Liquidation authorities. This podcast is educational and is not legal advice. We are sponsored by Credit Union Exam Solutions Incorporated, whose team has over two hundred and Forty years of National Credit Union Administration experience. We assist our clients with N C U A so they save time and money. If you are worried about a recent, upcoming or in process N C U A examination, reach out to learn how they can assist at Mark Treichel DOT COM. Also check out our other podcast called With Flying Colors where we provide tips on how to achieve success with N C U A. And now liquidations. INVOLUNTARY LIQUIDATIONS1. What is the purpose of this chapter?This chapter provides guidance in processing involuntary liquidations. 2. What are the types of involuntary liquidations?a. Title I involuntary Undersection120 of the FCU Act, 12 U.S.C. section1766, the NCUA Board can place a solvent federal credit union into involuntary liquidation for violations of its charter, its bylaws, the FCU Act, or the NCUA Rules and Regulations. Also, under section120, 12 U.S.C. section1766, the NCUA Board can place a federal credit union into involuntary liquidation upon finding that the board or liquidating agent did not conduct a voluntary liquidation in an orderly or efficient manner or in the best interests of the members. The rules and regulations relating to these administrative proceedings are contained in NCUA Rules and Regulations section747, Subpart E. The effect of this action is the elimination of a federal credit union as a legal entity after due process provided for by section120(b) of the FCU Act, 12 U.S.C. section1766, and Part 747, Subpart E, of the NCUA Rules and Regulations. It is the most drastic enforcement action that can be taken against a solvent federal credit union. Since Title I liquidation is not a commonly used administrative action, examiner involvement will differ from case-to-case.b. Title II involuntary Section 207 of the FCU Act, 12 U.S.C. section1787, requires the NCUA Board to close for liquidation any federal credit union it deems bankrupt or insolvent. In these cases, the NCUA Board must also appoint itself as liquidating agent. In addition, the NCUABoard can accept appointment as liquidating agent of a bankrupt or insolvent federally-insured, state-chartered credit union.c. Purchase and assumption A purchase and assumption (P&A) is an action similar to a merger, but unlike a merger the NCUA Board places the credit union into involuntary liquidation first. In a P&A, another credit union or another financial institution assumes all or part of the assets, liabilities, and shares. 3. What are the goals for an involuntary liquidation?The primary goals of an involuntary liquidation are: ► Prompt return of members' shares.► Payment to the creditors.► Disposition of the remaining assets to the NCUSIF. 4. What are the grounds for an involuntary liquidation of an insolvent credit union pursuant to section207 of FCU Act?The grounds for this most severe action is insolvency or bankruptcy as defined insection700.2(e) of NCUA Rules and Regulations. For a liquidation pursuant to section207, 12 U.S.C. 1787, of the FCU Act, the credit union has no right to a pre-closure administrative hearing. The federal credit union's charter is immediately revoked and the credit union is placed into involuntary liquidation. The credit union may, however, challenge the action in U.S. District Court within 10 days. It is critical, therefore, that the finding of insolvency be based upon tangible evidence and indisputable circumstances using the most current information available. The examiner prepares a supplemental memorandum for the liquidation package that contains all significant data to support the recommended action, including an analysis of the various exceptions to insolvency set forth in section700.2(e) of the regulations. It is imperative that the administrative record adequately supports insolvency. The examiner must be prepared to testify in court to establish the reasonableness of the insolvency calculation. For this reason, involuntary liquidations require the concurrence of the Office of General Counsel to ensure that the liquidation package is legally sufficient.A Notice of Revocation of Charter and Involuntary Liquidation and Appointment of a Liquidating Agent will be served on the federal credit union. The order is effective immediately upon service, and all assets, books and records of the credit union immediately become the property of the NCUA. Agents for the Liquidating Agent will be appointed as provided in section207(a) of the FCU Act, 12 U.S.C. section1787. 5. What are the ...
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    10 mins
  • Cyber Security Briefing of the NCUA Board - October 2024
    Nov 2 2024

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    Show Notes: NCUA Board Cybersecurity Briefing - October 2024

    🎙️ With Flying Colors - A Credit Union Examination Podcast

    Hosted by Samantha Shares

    Sponsored by Credit Union Exam Solutions Inc.

    Episode Overview:

    Join us for a comprehensive breakdown of the NCUA's October 2024 cybersecurity briefing, where key officials provided critical insights into the current threat landscape facing credit unions.

    📊 Key Statistics:

    - 1,072 cyber incidents reported (Sept 2023 - Aug 2024)

    - 742 incidents (70%) involved third-party vendors

    - 13 major service provider events affected multiple credit unions

    - Financial services is 5th most targeted critical infrastructure sector

    - Ransomware demands typically range from $1M-$10M

    🔑 Main Discussion Points:

    1. Current Cyber Threat Landscape:

    - Ransomware attacks

    - Business email compromises

    - ATM security issues

    - Third-party provider outages

    2. Emerging Threats:

    - Malvertising attacks

    - Social engineering tactics

    - Web application vulnerabilities

    3. NCUA Recommendations:

    - Maintain offline encrypted backups

    - Implement zero trust architecture

    - Create incident response plans

    - Strengthen vendor risk management

    🚨 Incident Reporting Requirements:

    - 72-hour reporting window

    - Contact methods:

    - Phone: 1-833-CYBERCU (1-833-292-3728)

    - Email: cybercu@ncua.gov

    - New web form coming December 2024

    📱 Pro Tip: Save the NCUA cyber incident reporting number in your contacts for quick access during emergencies.

    🔗 Resources Mentioned:

    - NCUA Cybersecurity Resources Page

    - Letter to Credit Unions 24-CU-02 (October 21, 2024)

    - NCUA's Automated Cybersecurity Examination Tool (ACET)

    - CISA Cybersecurity Resources

    💡 Key Takeaway:

    Cybersecurity threats to credit unions continue to evolve and increase, with third-party vendors representing a significant vulnerability in the system. Credit unions must remain vigilant and maintain strong cyber hygiene practices.

    📞 Contact Information:

    - For exam assistance: Visit marktreichel.com

    - Connect with Mark Treichel on LinkedIn

    🎧 Next Episode:

    Stay tuned for more insights on credit union examination success strategies.

    #CreditUnions #Cybersecurity #NCUA #FinancialServices #RiskManagement

    Sponsored by Credit Union Exam Solutions Inc. - Over 240 years of combined NCUA experience helping credit unions save time and money on examinations.

    Note: This podcast is educational and does not constitute legal advice.


    Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

    We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

    Hire us and gain:

    • Peace of mind during your exam process

    • Insider knowledge of NCUA procedures and expectations

    • Strategies to address potential issues before they become problems

    • Continuous access to our extensive subject matter expertise

    With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union achieves flying colors in its next examination.

    Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

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    1 hr and 4 mins
  • Field of Membership NCUA Board Briefing Audio from October 2024 Meeting
    Oct 29 2024

    www.marktreichel.com

    https://www.linkedin.com/in/mark-treichel/


    🎙️ Episode Summary
    Join us for an inside look at the NCUA's October 2024 board meeting, where we explore groundbreaking developments in new credit union charters and field of membership expansions. From innovative pilot programs to surging underserved area applications, discover how the credit union movement is evolving to serve more communities.

    ⏰ Timeline
    00:00 - Introduction
    02:15 - Overview of 2024 New Charters
    05:30 - Provisional Charter Pilot Program
    10:45 - Field of Membership Updates
    15:20 - Underserved Area Applications Surge
    20:10 - Process Improvements
    25:30 - Future Outlook

    🔑 Key Points
    • NCUA has chartered 3 new credit unions in 2024
    • Provisional Charter Pilot helping address startup capital challenges
    • 87 underserved area applications YTD (up from 32 in 2020)
    • New credit unions serving 15,000+ members with $51.9M in assets

    💡 Featured Credit Unions
    - Tribe Federal Credit Union (Minneapolis, MN)
    - MDI & low-income designation
    - Serving Minneapolis community

    - Fairbreak Federal Credit Union (Memphis, TN)
    - MDI & low-income designation
    - Serving Memphis area

    📊 Notable Statistics
    - New CU Performance:
    • $51.9M total assets
    • $34.8M share deposits
    • $15.4M loans
    • ~15,000 members served

    - Processing Times:
    • 152 days avg. review time (2023)
    • 215 days avg. review time (2024)

    🎯 NCUA Initiatives
    • Provisional Charter Program
    • Enhanced CAPRI online system
    • Streamlined application tracking
    • Improved transparency in charter process

    💭 Memorable Quote
    "The test of our progress is not whether we add to the abundance of those who have so much, it is whether we provide enough for those who have so little." - FDR

    🔗 Resources Mentioned
    • NCUA New Charter Website
    • CAPRI System
    • Charter Application Guidelines
    • Field of Membership Manual

    📝 Action Items for Credit Unions
    1. Check NCUA website for charter templates
    2. Review underserved area requirements
    3. Explore CAPRI system updates
    4. Connect with CURE office for guidance

    👥 Featured Speakers
    • Todd Harper - NCUA Chairman
    • Kyle Hauptman - Vice Chairman
    • Tonya Otsuka - Board Member
    • Martha Ninichuk - Director, Office of Credit Union Resources and Expansion
    • Leilani Stamper - Consumer Access Division Director

    📅 Next Steps
    • Provisional Charter Program review (End of 2024)
    • CAPRI system enhancement for community/underserved applications (Q1 2025)
    • Recommendations for program future (2025)

    #CreditUnions #FinancialInclusion #NCUA #Banking #Cooperation


    Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

    We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

    Hire us and gain:

    • Peace of mind during your exam process

    • Insider knowledge of NCUA procedures and expectations

    • Strategies to address potential issues before they become problems

    • Continuous access to our extensive subject matter expertise

    With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union achieves flying colors in its next examination.

    Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

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    57 mins
  • 2024 September NCUA Board Meeting Simplifying Share Insurance
    Oct 23 2024

    www.marktreichel.com

    https://www.linkedin.com/in/mark-treichel/


    https://www.marktreichel.com/podcast

    https://www.linkedin.com/in/mark-treichel/


    2024 September NCUA Board Meeting: Simplified Share Insurance Rules

    This episode covers the NCUA's final rule on simplifying share insurance coverage, focusing on trust accounts and mortgage servicing accounts. The discussions include details on the changes, their implications, and responses to questions and comments from the NCUA board members.

    Introduction
    Final Rule on Part 745
    Presentation of the Final Rule
    Simplification of Trust Accounts
    Comments and Further Discussion
    Mortgage Servicing Accounts
    Record Keeping Regulations
    Board Members' Questions
    Conclusion


    Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

    We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

    Hire us and gain:

    • Peace of mind during your exam process

    • Insider knowledge of NCUA procedures and expectations

    • Strategies to address potential issues before they become problems

    • Continuous access to our extensive subject matter expertise

    With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union achieves flying colors in its next examination.

    Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

    Show more Show less
    30 mins
  • Defense Credit Union Council Letter on Harper's CRA Efforts
    Oct 22 2024
    www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/ Hello, this is Samantha Shares. This episode covers The Defense Credit Union Council’s letter to N C U A’s Chairman Todd Harper regarding his support for imposing Community Reinvestment Act on credit unions. The following is an audio version of that advisory and the press release. This podcast is educational and is not legal advice. We are sponsored by Credit Union Exam Solutions Incorporated, whose team has over two hundred and Forty years of National Credit Union Administration experience. We assist our clients with N C U A so they save time and money. If you are worried about a recent, upcoming or in process N C U A examination, reach out to learn how they can assist at Mark Treichel DOT COM. Also check out our other podcast called With Flying Colors where we provide tips on how to achieve success with N C U A. And now the letter. October 15, 2024 Chairman Todd M. HarperNational Credit Union Administration Dear Chairman Harper,Our members noted your recent social media posts and comments indicating support for imposing Community Reinvestment Act (C R A) provisions on credit unions and soliciting input on the issue. On behalf of the Defense Credit Union Council (D C U C) and our nearly 200 members and 40 million members of defense credit unions, as well as the entire credit union movement, we are writing to express our deep concerns regarding the potential application of C R A to credit unions. This decision should not be made in haste or in response to news stories about the actions of one or two credit unions. It would be a public policy failure to universalize the recent “redlining” violation of one particular credit union and apply remedies for that misdeed into a regulatory burden that is wholly inappropriate for the member-owned cooperative credit union industry. Additionally, the fact that the “redlining” finding by the Department of Justice was uncovered without C R A being applicable to credit unions strongly suggests that this remedy would not address whatever problem you assert should lead to C R A for part or all of the credit union movement. Our members take their mission seriously as not-for-profit, member-owned cooperatives with a distinct mission to serve their members, especially those of modest means. This cooperative structure has always served to ensure that credit unions are inherently focused on meeting the financial needs of their members, unlike for-profit banks, which have external shareholders to satisfy. Credit unions already serve low- and moderate-income individuals and communities without the need for additional regulatory mandates. Imposing expensive C R A requirements on credit unions is redundant and unnecessary and eliminate the number of credit unions currently serving their members’ best interests along with those who are economically disadvantaged.Data consistently shows that credit unions, including Defense Credit Unions, have an exemplary record of providing affordable financial services to underserved populations. Many credit unions, particularly those serving military bases and defense personnel, operate in areas where banking options are limited, and the financial needs of service members are distinct. By offering low-cost loans, financial literacy programs, and savings products, credit unions fulfill their mission of promoting financial inclusion and security.Since the C R A was enacted to address the issue of discriminatory lending practices (i.e., “redlining”) by for-profit, shareholder-driven banks, why punish all credit unions? Credit unions, by definition, do not engage in the practices that C R A was designed to combat. The fundamental difference in structure and purpose between banks and credit unions makes C R A an ill-fitting regulatory framework on the latter. Plus, credit unions are already held accountable to their members, ensuring that their activities benefit the communities they serve. Finally, the N C U A, as the independent regulator of federally insured credit unions, has a critical role in protecting and promoting the unique cooperative model of credit unions. We commend the N C U A for consistently opposing the application of C R A to credit unions and urge the agency to continue to advocate against any such proposals. Particularly since credit unions are already subject to extensive regulatory oversight and examination by the N C U A. We strongly urge the National Credit Union Administration (N C U A) to continue its long- standing opposition to such requirements and request a meeting with your office and our member CEOs to discuss this issue in greater detail.Chairman Harper, we have a shared interest in protecting and empowering consumers, and we look forward to working constructively with you and your team to arrive at workable solutions that improve member access and service. Thank you for your attention to this matter and for ...
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    6 mins
  • Board of Director Engagement in Cybersecurity Oversight: NCUA Letter to Credit Unions
    Oct 22 2024
    www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Hello, this is Samantha Shares. This episode covers the National Credit Union Administration’s Letter to credit unions 24 dash C U 2 Board of Director Engagement in Cybersecurity Oversight The following is an audio version of that letter. This podcast is educational and is not legal advice. We are sponsored by Credit Union Exam Solutions Incorporated, whose team has over two hundred and Forty years of National Credit Union Administration experience. We assist our clients with N C U A so they save time and money. If you are worried about a recent, upcoming or in process N C U A examination, reach out to learn how they can assist at Mark Treichel DOT COM. Also check out our other podcast called With Flying Colors where we provide tips on how to achieve success with N C U A. And now the letter.Board of Director Engagement in Cybersecurity OversightToFederally Insured Credit UnionsSubjectCybersecurityDear Boards of Directors and Chief Executive Officers:The frequency, speed, and sophistication of cyberattacks have increased at an exponential rate. Foreign adversaries and cyber-fraudsters continue to target all sectors of our nation’s critical infrastructure — including credit unions and other financial institutions. From September 1, 2023, the effective date of the N C U A’s cyber incident notification rule, through August 31, 2024, federally insured credit unions reported 1,072 cyber incidents. Seven out of ten of these cyber incident reports were related to the use or involvement of a third-party vendor.A recent ransomware attack on a credit union has been attributed to malvertising a relatively new cyberattack technique that injects malicious code within digital ads. For this type of attack to work, the user doesn’t even have to physically click on a link for the system to become infected. Instead, a simple internet search can result in malvertising that exploits the vulnerabilities in an internet browser. Credit union cybersecurity teams should focus on standardizing and securing web browsers and deploying ad blocking software to protect against this threat.Given the proliferation of sophisticated information security threats and the importance of safeguarding the assets and information of your members, the N C U A urges credit union boards of directors to prioritize cybersecurity as a top oversight and governance responsibility. Credit union board directors like you must ensure that a credit union’s senior leadership is highly focused on managing cyber risks and that your credit union has the necessary resources to maintain an effective cybersecurity program that aligns with the products, services, and risk profile of your institution.The following are four key areas your board of directors should focus on:Provide for Recurring TrainingYour board should engage in ongoing education about current cybersecurity threats, trends, and best practices. The N C U A provides various resources to assist, including training webinars, web-based learning resources(Opens new window), and written guidance. Your credit union board needs to stay aware of the specific cyber risks that pertain to your credit union’s operations and the implications of these risks. Board members don’t need to be technical experts, but they must know enough about cybersecurity to provide effective oversight and direction for the executive team and subject matter experts.Furthermore, your board should ensure the credit union’s employees receive regular cybersecurity education to maintain high awareness and preparedness across the organization. This education should emphasize the importance of a security-minded culture and adherence to important information security practices to mitigate the risk of cyber incidents.Approve Information Security ProgramYour board must approve a comprehensive information security program that meets the requirements of part 748of the N C U A’s regulations, which includes risk assessments, security controls, and incident response plans. Your credit union board should review the program at least annually to ensure it adapts to the evolving threat landscape and incorporates lessons learned from past incidents.Oversee Operational ManagementYour board is responsible for overseeing management of the credit union, focusing on the following cybersecurity areas:Third-Party Due Diligence. Your board should set clear expectations for management about the due diligence of third-party vendors with respect to information security. The credit union must ensure that contracts with third-party vendors include specific cybersecurity requirements, like timely notification to the credit union of any incidents, and clauses that protect credit union and member data.Embed Cybersecurity and Operational Resilience into the Organizational Culture. Your board and management should ensure that cybersecurity is a core value within the credit ...
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    12 mins
  • American Bankers Association Praises NCUA's Transparency??
    Oct 17 2024
    www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/ Hello, this is Samantha Shares. This episode covers The American Bankers Association Trade group’s letter to N C U A Board Chairman Todd Harper on N C U A’s on the agencies improved transparency. This letter demonstrates the challenges of N C U A’s recent public comments that are negative towards credit unions. The letter uses these references to attack N C U A and credit unions. The following is an audio version of that letter. This podcast is educational and is not legal advice. We are sponsored by Credit Union Exam Solutions Incorporated, whose team has over two hundred and Forty years of National Credit Union Administration experience. We assist our clients with N C U A so they save time and money. If you are worried about a recent, upcoming or in process N C U A examination, reach out to learn how they can assist at Mark Treichel DOT COM. Also check out our other podcast called With Flying Colors where we provide tips on how to achieve success with N C U A. And now the letter. October 15, 2024 The Honorable Todd. Harper ChairmanNational Credit Union Administration Dear Chairman Harper:The American Bankers Association (A B A) commends the National Credit Union Administration (N C U A) for its renewed focus on credit union transparency. As credit unions grow and become more complex, proper disclosure of pertinent information to credit union member-owners and the public gains importance. In addition to recent reporting changes for credit unions with more than $1 billion in assets regarding fee practices,1 a new proposal on executive compensation transparency for federal credit unions will provide greater accountability within the credit union system. With the White House Office of Management and Budget indicating that the N C U A may issue a Notice of Proposed Rulemaking as soon as this month,2 we urge the N C U A to implement additional transparency requirements relating to the increasingly complex andconcerning activities of some credit unions, namely merger transactions involving banks. Specifically, we urge the N C U A to require such credit unions to receive membership approval, disclose financial terms, anddemonstrate how combinations with banks might impact consumers, communities, and taxpayers. In 2007, the N C U A organized an Outreach Task Force in response to inquiries from Congress3 – and a subsequent report by the Government Accountability Office4 – on credit unions. Among other topics, the Task Force examined N C U A policies and procedures on senior executive compensation. Although state-charteredcredit unions disclose compensation data for key employees through IRS Form 990 like most other nonprofit organizations, federal credit unions are exempt from doing so given their status as federal instrumentalities. In its 2008 report to the N C U A Board, the Task Force concluded that disclosure of senior executive compensation would be “consistent with prevalent public policy and should enhance accountability to the [credit union]members,” and align with “federal credit unions’ member-owned, demoC R Atically-controlled status.”5 Due to their cooperative structure, credit unions afford their members “the right to vote on strategic federal credit union decisions including the directors, mergers, and conversions.”6 Because the results of such votes can directly affect senior executive compensation, the “Task Force concluded members should know or have access to senior executive officer compensation information when deliberating on how to cast their vote.”7 | | | Given the importance of merger transactions in the life of an organization, transparency about the possible personal incentives of management related to the transaction is especially important.While mergers between credit unions and the acquisitions of credit unions by banks require membership votes, the acquisitions of banks by credit unions do not.8 In December 2023, the N C U A’s Director of the Office of Examination and Insurance stated in a memorandum to you that “a credit union's purchase of a bank is typically a strategic action to expand its geographic footprint or to grow a loan program.”9 Thememorandum noted that the N C U A approved 64 bank transactions with credit unions between 2011 and September 30, 2023, “a small portion of the overall consolidation occurring in the financial servicesmarketplace.”10 However, credit union acquisitions of banks now represent a much larger share of total transactions.According to an October 3, 2024 report from the American Banker, “about 90 bank sales were announcedthrough September,” and “credit union buyers were involved in nearly a fifth of the deals to date this year.”11 The 18 deals announced so far in 2024 have already eclipsed the record 16 set in 2022, and total bank assets targeted by credit unions so far this year – more than ...
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    9 mins
  • NCUA Board Briefing on the National Credit Union Share Insurance Fund September 2024 In Their Own Voice
    Oct 15 2024

    www.marktreichel.com

    https://www.linkedin.com/in/mark-treichel/


    NCUA Board Briefing on the National Credit Union Share Insurance Fund - September 2024

    This episode covers NCUA's September 2024 Board Meeting Briefing on the National Credit Union Share Insurance Fund. Featured are the NCUA Board and staff in their own words and voices, discussing the fund’s performance, projections, and regulatory matters affecting the credit union system. The session also includes discussions on credit union health, regulatory updates, and the economic environment.

    Introduction
    Opening Statements & Announcements
    Vice Chairman's Remarks
    Share Insurance Fund Report - 2024 Q2
    Financial Overview and Slide Discussion
    Chairman Harper's Discussion
    Vice Chairman Hauptman’s Discussion
    Concluding Remarks
    Closing Statements


    Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

    We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

    Hire us and gain:

    • Peace of mind during your exam process

    • Insider knowledge of NCUA procedures and expectations

    • Strategies to address potential issues before they become problems

    • Continuous access to our extensive subject matter expertise

    With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union achieves flying colors in its next examination.

    Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

    Show more Show less
    43 mins