We don't serve banks. We don't adapt bank software down. Every module — every edit check, every filing workflow, every AIRES XML field — exists to solve credit union problems.
There are approximately 4,400 federally insured credit unions in the United States, regulated by the NCUA. Every one faces the same regulatory burden as large banks — quarterly NCUA 5300 Call Reports, BSA/AML transaction monitoring and SAR/CTR filing to FinCEN, HMDA reporting to the CFPB, CRA assessments, and periodic NCUA examinations — but without enterprise technology budgets.
Existing solutions force credit unions to choose: call report tools like FedReporter that don't provide analytics, data warehouses like Trellance/Rise Analytics that don't handle compliance filing, or GRC platforms like Ncontracts that don't connect to your core banking data. Credit unions end up paying for three or more point solutions that don't share data — and their compliance officer still reconciles numbers in spreadsheets.
We founded Pinot Pulse to close that gap — one platform where the same unified data powers your dashboards, your regulatory filings, your CAMEL scores, and your exam evidence packages.
Pinot Pulse Enterprise is a production-deployed platform that takes credit union data from GL trial balance import all the way through to agency-ready filing output. The NCUA 5300 pipeline alone covers: CSV/Excel GL import → 48-code NCUA auto-mapping → 18 schedule generation → field-level edit checks → AIRES XML export formatted for CUOnline upload. That's the kind of end-to-end pipeline that takes competitors years to build.
BSA/AML compliance isn't a checkbox — it's inline SAR and CTR filing forms that generate FinCEN BSA E-Filing XML, backed by OFAC screening and real-time transaction monitoring with Server-Sent Events (SSE) alerts. HMDA reporting validates against the CFPB's publicly available API and exports in pipe-delimited format. CAMEL analysis covers all six components with real NCUA data, peer benchmarks, and projections. Reg E disputes track liability tiers with provisional credit deadlines and a holiday calendar.
Every filing moves through a 10-state workflow governed by a state machine — Draft, Under Review, Approved, Submitted, Acknowledged, Accepted, Rejected, Amended, Superseded, and Archived — with dual-control approvals enforced at the API level and an immutable audit trail on every transition.
Across all of this: 3,500+ regulatory edit checks in 4 agency simulators that let you test your filings against real validation rules before you submit. No competitor offers this.
The platform runs on a modern cloud-native stack: FastAPI/Python backend, Next.js/TypeScript frontend, Apache Pinot as the real-time OLAP analytics engine (the same technology at LinkedIn handling 120K+ queries/sec and Uber processing 1M+ writes/sec), Apache Kafka for stream ingestion with CDC pipelines, PostgreSQL Aurora for relational data with Row-Level Security, Redis for caching, and AWS ECS Fargate for serverless container deployment.
Authentication uses RS256 JWT tokens with an 8-role access control system enforced in FastAPI middleware: platform super admin, product admin, credit union admin, risk manager, compliance officer, analyst, viewer, and trial viewer. The ML pipeline uses XGBoost for attrition prediction, default modeling, and cross-sell scoring. Real-time fraud monitoring delivers alerts via Server-Sent Events. Payments run through Stripe with automated lifecycle management — trial → checkout → activation → failure handling → suspension → reactivation.
Multi-tenant architecture supports CUSO and state league deployments with Attribute-Based Access Control (ABAC) plus Row-Level Security. Each tenant can bring their own encryption key management from four supported providers: AWS KMS, GCP Cloud KMS, Azure Key Vault, or HashiCorp Vault. A single deployment serves dozens of credit unions with complete data isolation.
Every feature starts with a credit union use case. NCUA 5300 field-level validations mapped against NCUA's published account descriptions, not generic report builders. 48 NCUA GL codes auto-mapped, not manual chart-of-accounts configuration. CAMEL scores with NCUA-standard methodology, not generic risk scores.
3,500+ regulatory rules encoded in versioned, testable logic — not spreadsheets. The NCUA AIRES XML schema, FinCEN BSA E-Filing format, CFPB HMDA pipe-delimited specification, and CAMEL scoring methodology are all maintained as code that can be version-controlled, tested against simulators, and deployed with confidence.
Four regulatory simulators let you run your actual data through the same edit checks the agencies use — and see exactly where you'd pass or fail before your filing touches CUOnline, FinCEN, or CFPB. No competitor offers this as a self-service feature. During trials, it's the number-one differentiator.
Instant trial provisioning with 8-step onboarding, NCUA charter API validation, synthetic trial data (8 quarters), and Stripe-powered billing. No demos-as-gatekeeping. No 6-month enterprise sales cycles. Sign up today, run your first 5300 edit checks today, upgrade when you're convinced.
See 3,500+ edit checks validate your actual GL data — or just ask us anything about credit union compliance automation.
