The only platform unifying Apache Pinot real-time analytics with end-to-end regulatory compliance — NCUA 5300 with AIRES XML export, BSA/AML with FinCEN SAR/CTR filing, HMDA LAR, CRA assessments, and full CAMEL analysis with peer benchmarks. Self-onboarding. Instant trial. Stripe-powered billing.
From GL data import through agency submission — every regulatory workflow is production-grade with real edit checks, real XML/file formats, and real agency integration. These aren't mockups.
Complete end-to-end pipeline: GL trial balance import (CSV + Excel) → 48-code NCUA auto-mapper → 18 schedule generation → field-level edit checks → AIRES XML export → ready for CUOnline upload. Cross-footing verification and trend analysis against prior quarters built in.
Inline SAR and CTR filing forms with FinCEN BSA E-Filing XML generation. OFAC screening integration. Transaction monitoring with real-time Server-Sent Events (SSE) alerts for suspicious activity. Batch filing support for high-volume institutions.
Loan Application Register entry form with automated census tract geocoding, rate spread calculations, and fair lending analysis. Validated against CFPB's publicly available HMDA validation API (no separate account needed). Pipe-delimited export in CFPB submission format.
Full six-component CAMEL scoring engine: Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. Uses real NCUA data with peer benchmarks, trend projections, and examiner-grade risk assessment outputs.
Community Reinvestment Act assessment area mapping, community development loan tracking, investment monitoring, and service delivery analysis. Structured for CRA examination preparation with evidence packaging.
Electronic fund transfer dispute workflow with liability tier calculation (0/10/50/500 thresholds), provisional credit deadlines with holiday calendar awareness, and complete dispute lifecycle tracking from intake through resolution.
Every regulatory filing moves through a governed state machine with enforced transitions. Dual-control approvals are a technical enforcement — the preparer literally cannot approve their own filing. Every action is logged immutably.
Auto-generated from unified data
Inline comments & revision tracking
Dual-control — different user required
Filed with agency via XML/API
Confirmation & version archived
+ 5 additional states: Rejected, Amended, Superseded, Withdrawn, Archived — with full audit trail and version control at every transition.
Test your filings against real agency validation rules before you submit. Run your actual GL data through the same edit checks NCUA MERIT uses — and see exactly where you'd pass or fail. No competitor offers this.
Production readiness scores based on internal assessment across completeness, accuracy, and examiner acceptance criteria.
No sales call required. Instant trial provisioning with real regulatory simulators, real NCUA edit checks, and a synthetic trial credit union pre-loaded with 8 quarters of financial data. Upgrade to a paid plan via Stripe when you're ready.
Register → email verify → instant auto-provisioning. 8-step onboarding wizard walks you through NCUA charter validation, GL upload with 48-code auto-mapping, CIP/OFAC configuration, and core banking connector setup. No waiting for sales.
Trial → Stripe Checkout → plan activation. Automated payment lifecycle: success promotes trial_viewer to full viewer role, failure notifications to admin, 3 consecutive failures trigger automatic suspension. Cancel and reactivate via Stripe API. Full invoice history.
Automated 6-section platform reports generated every Monday at 6 AM UTC. Delivered via email to up to 3 recipients. Persisted in database with Row-Level Security. Downloadable via Admin UI with PDF export capability.
Built on Apache Pinot — the same real-time OLAP engine powering analytics at LinkedIn (120K+ QPS) and Uber (1M+ writes/sec). Deployed on AWS with 11 data providers, CDC pipelines, and dead-letter queues for fault tolerance.
Credit unions today pay for separate analytics, call reporting, BSA compliance, and exam management tools that don't share data. Pinot Pulse unifies all of them — with capabilities none of the individual tools offer.
| Capability | Pinot Pulse Enterprise | FedReporter (SmartCall-5300 Pro) | Rise Analytics (Trellance) | Ncontracts (Ncomply) |
|---|---|---|---|---|
| NCUA 5300 Call Report | ✓ GL → 18 schedules → edit checks → AIRES XML → CUOnline | ✓ Dedicated 5300 tool, 1,500+ edit checks, DataLink for Symitar | ✓ 5300 Automation (launched Feb 2026), pulls from Rise data platform | ✗ Not offered |
| BSA/AML SAR & CTR Filing | ✓ Inline forms, FinCEN XML, OFAC screening, real-time SSE alerts | ✗ Call reports only | ✗ Analytics only — no BSA filing | ◐ BSA program management framework, not direct filing |
| HMDA LAR Reporting | ✓ Entry form, geocoding, CFPB API validation, pipe-delimited export | ✗ Not offered | ✗ Not offered | ✓ Nfairlending module |
| CAMEL Analysis & Scoring | ✓ 6 components, NCUA scoring, peer benchmarks, projections | ✗ Not offered | ◐ Peer analytics available, not CAMEL-specific | ✗ Not offered |
| Real-Time Analytics Engine | ✓ Apache Pinot OLAP — sub-second, same tech as LinkedIn/Uber | ✗ Filing tool only | ✓ Data warehouse with dashboards (batch, not real-time OLAP) | ✗ GRC platform only |
| Regulatory Simulators | ✓ 4 agency simulators with 3,500+ edit checks — test before filing | ✗ Not offered | ✗ Not offered | ✗ Not offered |
| Reg E Dispute Workflow | ✓ Liability tiers, provisional credit deadlines, holiday calendar | ✗ Not offered | ✗ Not offered | ◐ General findings management |
| Self-Service Trial + Stripe Billing | ✓ Instant provision, 8-step wizard, Stripe lifecycle, auto-suspend | ✗ Sales-driven licensing | ✗ Enterprise sales process | ✗ Enterprise sales process |
| Multi-Tenant CUSO Architecture | ✓ ABAC + RLS, per-tenant KMS (4 providers), single deployment | ✗ Single-tenant | ◐ CUDX shared platform, separate instances | ✗ Per-institution licensing |
| Unified Platform (Analytics + All Compliance) | ✓ Single data layer powers dashboards, all filings, and ML models | ✗ Filing only | ✗ Analytics only | ✗ GRC only |
Comparison based on publicly available product documentation and vendor websites as of March 2026. ✓ Included ◐ Partial ✗ Not offered. Contact us at pinotpulse.com/demo for a detailed assessment.
Pre-built connectors for the major credit union core processors, plus enterprise data infrastructure. CDC pipelines with dead-letter queues for fault tolerance. Your Day 1 path: CSV/Excel upload with 48-code NCUA auto-mapping.
A single AWS ECS Fargate deployment serves dozens of credit unions with complete data isolation. Built for the cooperative economics of the credit union movement.
One platform instance for your entire CUSO membership on AWS
ABAC + Row-Level Security in PostgreSQL Aurora — no data leaks
Enterprise analytics for community CUs under $250M in assets
AWS KMS, GCP Cloud KMS, Azure Key Vault, or HashiCorp Vault
See 3,500+ edit checks validate your actual GL data. Test your NCUA 5300 filing before it touches CUOnline. Experience what production-grade compliance automation looks like.
