--- title: Accounting & Advisory Services for Credit Unions | Saltmarsh Advisors description: Saltmarsh helps credit unions meet NCUA expectations, strengthen operations, and stay compliant with tailored audit, compliance, and advisory services. image: https://marketing.saltmarshadvisors.com/hubfs/Announcement%20Graphic.jpg --- [Skip to content](https://marketing.saltmarshadvisors.com/financial-institutions/credit-unions#main-content) [![SM Horizonal Black Web](https://marketing.saltmarshadvisors.com/hs-fs/hubfs/Company%20Branding/SM%20Horizonal%20Black%20Web.png?width=475&height=123&name=SM%20Horizonal%20Black%20Web.png) ![SM Horizonal Color DK Web](https://marketing.saltmarshadvisors.com/hs-fs/hubfs/Company%20Branding/SM%20Horizonal%20Color%20DK%20Web.png?width=437&height=113&name=SM%20Horizonal%20Color%20DK%20Web.png)](https://www.saltmarshcpa.com/) # Compliance & Advisory Services Built for Credit Unions At Saltmarsh, we help credit unions strengthen compliance, improve operations, and stay ahead of regulatory expectations with expert guidance and responsive support. [Contact Us](https://marketing.saltmarshadvisors.com/financial-institutions/credit-unions#contact) ![Hero Banner](https://marketing.saltmarshadvisors.com/hubfs/Company%20Branding/Tonal%20White.png) ## Support That Strengthens Your Credit Union We’ve partnered with credit unions for decades, supporting leaders through changing regulations, shifting member expectations, and increased scrutiny from boards and examiners. Our team understands the unique challenges of the credit union model, from maintaining member trust to managing growth while staying compliant. Clients count on us not only for technical expertise but for the way we deliver it. We respond quickly, communicate clearly, and offer insights that help credit unions make smarter decisions. Some come to us for a specific need. Others lean on us as a long-term strategic partner. In every case, we show up with a commitment to clarity, action, and results.   #### Explore More Services: ###### [Banks](https://marketing.saltmarshadvisors.com/financial-institutions/banks) ###### [Credit Unions](https://marketing.saltmarshadvisors.com/financial-institutions/credit-unions) ###### [Fintechs](https://marketing.saltmarshadvisors.com/services-for-fintechs-financial-institutions-saltmarsh-advisors) ###### [Regulatory Compliance](https://marketing.saltmarshadvisors.com/financial-institutions/regulatory-compliance) ###### [Internal Audit](https://marketing.saltmarshadvisors.com/financial-institutions/internal-audit) ###### [FDICIA 363 Consulting & Readiness](https://marketing.saltmarshadvisors.com/financial-institutions/fdicia-363-consulting-testing) ###### [Credit Quality Reviews](https://marketing.saltmarshadvisors.com/financial-institutions/credit-quality-reviews) ###### [ACH Reviews & Risk Assessments](https://marketing.saltmarshadvisors.com/financial-institutions/ach-reviews) ###### [BSA, AML, OFAC, and CFT](https://marketing.saltmarshadvisors.com/financial-institutions/bsa-aml-cft-ofac) ###### [Fair Lending & UDAAP Risk Reviews](https://marketing.saltmarshadvisors.com/financial-institutions/fair-lending-data-analytics) ###### [CRA Services](https://marketing.saltmarshadvisors.com/financial-institutions/cra-services) ###### [Asset Liability Management Review](https://marketing.saltmarshadvisors.com/financial-institutions/asset-liability-management-reviews) ###### [Information Systems & Cybersecurity Audits](https://marketing.saltmarshadvisors.com/financial-institutions/information-systems-third-party-risk-management) ###### [Trust Operations & Fiduciary Responsibilities](https://marketing.saltmarshadvisors.com/financial-institutions/trust-operations-fiduciary-responsibilities) ###### [Advisory, Training, and Coaching](https://marketing.saltmarshadvisors.com/financial-institutions/advisory)   ### Smart, Scalable Services for a Changing Environment Our services are designed to help credit unions maintain compliance, manage risk, and operate more effectively. Whether you need specialized support or a full-service partner, we offer deep expertise across every critical area. #### Regulatory Compliance Ensure adherence to NCUA, CFPB, and state requirements through tailored compliance reviews and risk assessments. [Learn More](https://marketing.saltmarshadvisors.com/financial-institutions/regulatory-compliance) #### Internal Audit Independent audits aligned with your credit union’s size and complexity. We assess processes, controls, and internal risk to help you stay exam-ready. [Learn More](https://marketing.saltmarshadvisors.com/financial-institutions/internal-audit) #### FDICIA 363 Consulting & Testing Support for credit unions approaching $500 million in assets, including readiness assessments and ongoing testing for FDICIA compliance. [Learn More](https://marketing.saltmarshadvisors.com/financial-institutions/fdicia-363-consulting-testing) #### Credit Quality Reviews Comprehensive evaluations of your loan portfolio, underwriting, risk rating, and documentation practices. [Learn More](https://marketing.saltmarshadvisors.com/financial-institutions/credit-quality-reviews) #### ACH Reviews & Risk Assessments Detailed testing and risk assessments to support compliance with NACHA rules and minimize operational risk. [Learn More](https://marketing.saltmarshadvisors.com/financial-institutions/ach-reviews) #### BSA/AML/OFAC/CFT End-to-end reviews of your BSA and sanctions compliance programs, including testing, risk assessments, and program design. [Learn More](https://marketing.saltmarshadvisors.com/financial-institutions/bsa-aml-cft-ofac) #### Fair Lending & UDAAP Risk Reviews Analysis of lending practices, marketing, and servicing to identify risks and support compliance with fair lending and UDAAP expectations. [Learn More](https://marketing.saltmarshadvisors.com/financial-institutions/fair-lending-data-analytics) #### CRA Services Assessment and support for meeting Community Reinvestment Act requirements, including self-assessments and exam readiness. [Learn More](https://marketing.saltmarshadvisors.com/financial-institutions/cra-services) #### Asset Liability Management Reviews Independent model validations and reviews of interest rate risk and liquidity risk management practices. [Learn More](https://marketing.saltmarshadvisors.com/financial-institutions/asset-liability-management-reviews) #### Information Systems & Cybersecurity Audits Risk-based audits of IT infrastructure, security controls, and systems in alignment with regulatory expectations and FFIEC guidance. [Learn More](https://marketing.saltmarshadvisors.com/financial-institutions/information-systems-third-party-risk-management) #### Third-Party Risk Management Reviews Evaluation of vendor management programs, including due diligence, risk rating, and contract governance. [Learn More](https://marketing.saltmarshadvisors.com/financial-institutions/information-systems-third-party-risk-management) #### Advisory, Training, and Coaching Ongoing support for boards, management, and staff to strengthen internal capabilities and stay ahead of regulatory change. [Learn More](https://marketing.saltmarshadvisors.com/financial-institutions/advisory) #### Not Sure Where to Start? Some credit unions reach out after an examiner flags an issue. Others want a fresh set of eyes on a growing area of risk. Whether you need a specific review or broader guidance, we’ll help you clarify your priorities and chart the right path forward. No one-size-fits-all templates—just the right support for your size, structure, and goals. [Contact Us](https://marketing.saltmarshadvisors.com/financial-institutions/credit-unions#contact) ![](https://45060328.fs1.hubspotusercontent-na1.net/hub/45060328/hubfs/Financial%20Institutions/Testimonials%20-%20Landing%20Pages/Bank3%20Testimonial.png?width=1200&length=1200&name=Bank3%20Testimonial.png) ![](https://45060328.fs1.hubspotusercontent-na1.net/hub/45060328/hubfs/Financial%20Institutions/Testimonials%20-%20Landing%20Pages/Piedmont%20Federal%20-%20Testimonial.png?width=1200&length=1200&name=Piedmont%20Federal%20-%20Testimonial.png) ![](https://45060328.fs1.hubspotusercontent-na1.net/hub/45060328/hubfs/Financial%20Institutions/Testimonials%20-%20Landing%20Pages/Pendleton%20Community%20Bank%20-%20Testimonial.png?width=1200&length=1200&name=Pendleton%20Community%20Bank%20-%20Testimonial.png) ![](https://45060328.fs1.hubspotusercontent-na1.net/hub/45060328/hubfs/Financial%20Institutions/Testimonials%20-%20Landing%20Pages/Peoples%20Bank%20Texas%20-%20Testimonial.png?width=1200&length=1200&name=Peoples%20Bank%20Texas%20-%20Testimonial.png) ![Regulatory Compliance Reports Cover Image](https://marketing.saltmarshadvisors.com/hs-fs/hubfs/Regulatory%20Compliance%20Reports/Regulatory%20Compliance%20Reports%20Cover%20Image.png?width=1080&height=1080&name=Regulatory%20Compliance%20Reports%20Cover%20Image.png) ## Get the Most Recent Updates at a Glance *Recent & Upcoming Regulatory Compliance Changes – Quarterly Update* This document includesconcise summaries of **the most material developments** over the past quarter. It’s ideal for those who need a quick, focused view of what’s changed since the last report. **What’s inside:** - Key updates from CFPB, OCC, FDIC, FRB, and HUD - Effective dates and impact levels - Hyperlinked citations to original rules - Summaries of rescinded, vacated, or delayed provisions [Download Now](https://marketing.saltmarshadvisors.com/regulatory-compliance-reports) ## Strategic Support You Can Count On Our credit union clients count on us for responsive, proactive service, because that’s what they give their own members. We believe in clear communication, quick turnaround times, and a hands-on approach that goes beyond the engagement letter. We don’t just deliver reports. We answer questions, explain the “why,” and stick around to help you implement improvements. When issues arise, you won’t be left waiting. You’ll hear from someone who knows your organization and is ready to help.   ## Our Leaders Saltmarsh’s Financial Institutions team is led by professionals who have spent decades inside financial institutions, regulatory agencies, and consulting practices. Their insight goes beyond theory: they’ve led through change, built compliance programs from the ground up, and served as trusted partners to banks across the country. Their leadership sets the tone for every engagement, ensuring our clients receive practical guidance, timely communication, and solutions tailored to their specific challenges. ![Stogniew, Kristen-1](https://marketing.saltmarshadvisors.com/hs-fs/hubfs/Staff%20Headshots/Staff%20-%20Financial%20Institutions/Stogniew%2c%20Kristen-1.jpeg?width=1655&height=1924&name=Stogniew%2c%20Kristen-1.jpeg) #### Kristen Stogniew, Esq., CFE ##### Partner Kristen is a partner with over 25 years of experience advising banks, credit unions, and fintechs on legal, operational, and compliance matters. She also provides tailored training and mentorship, and facilitates user groups across key systems and risk areas. ![Strickland, Josh-1](https://marketing.saltmarshadvisors.com/hs-fs/hubfs/Staff%20Headshots/Staff%20-%20Financial%20Institutions/Strickland%2c%20Josh-1.jpeg?width=1658&height=1924&name=Strickland%2c%20Josh-1.jpeg) #### Josh Strickland, CPA ##### Partner Josh is a partner with deep experience in accounting, internal audit, loan review, and strategic consulting. He advises community banks on financial performance, accounting, and operational matters, helping them navigate mergers, improve reporting, and strengthen long-term planning. ![Reyes, Stephen - Hubspot Website](https://marketing.saltmarshadvisors.com/hubfs/Staff%20Headshots/Staff%20-%20Financial%20Institutions/Reyes%2c%20Stephen%20-%20Hubspot%20Website.png) #### Stephen Reyes, CISA, CISSP ##### Partner Stephen is a partner and leader of Saltmarsh’s Information Technology Services practice. With over 30 years of experience, he specializes in IT compliance, security audits, and system consulting for financial institutions. He holds multiple industry certifications, including CISA, MCSE, and CCNA. ![Allen, Paul](https://marketing.saltmarshadvisors.com/hs-fs/hubfs/Staff%20Headshots/Staff%20-%20Financial%20Institutions/Allen%2c%20Paul.jpeg?width=1654&height=1923&name=Allen%2c%20Paul.jpeg) #### Paul Allen, CPA, CGMA ##### Director Paul is a director in Saltmarsh’s Financial Institutions Advisory Group. He began his career in 1981 and has held senior roles at several financial institutions, including Chief Financial Officer, as well as with an international accounting firm. ## Let’s Talk Strong partnerships start with a conversation. If you’re facing increased scrutiny, planning for growth, or simply looking for a more responsive advisor, our team is here to help. We’ll meet you where you are and tailor our support to fit your priorities. Get in touch with a Saltmarsh advisor today. ## **Insights** #### [FAQs: Working with Saltmarsh's Financial Institution Advisory Team](https://www.saltmarshadvisors.com/news/blog/faqs__financial_institution_advisory.asp) Written on 1/20/2026 #### [Leading ALM & IRR Management: Best Practices for Financial Institutions](https://www.saltmarshadvisors.com/news/blog/leading_alm___irr_management__best_practices_for_financial_i.asp) Written on 12/15/2025 #### [2025 Fair Lending Outlook: Compliance in a Changing Landscape](https://www.saltmarshadvisors.com/news/blog/2025_fair_lending_strategic_compliance_.asp) Written on 7/30/2025 #### [The Future of ACH Compliance: Nacha's Latest Rules](https://www.saltmarshadvisors.com/news/blog/nacha__key_rule_changes_ahead.asp) Written on 4/14/2025   **[View All Insights](https://www.saltmarshadvisors.com/news/blog/_all.asp)** ### **Stay Up To Date with the Financial Institution Industry** Join our email list for banks or credit unions to receive quarterly insights and information on upcoming events from our team of experts to help you succeed in this ever-changing environment. **[Credit Unions](https://www.saltmarshadvisors.com/subscribe/)** [![SM Horizonal Ledger Web](https://marketing.saltmarshadvisors.com/hubfs/Company%20Branding/SM%20Horizonal%20Ledger%20Web.png)](https://www.saltmarshadvisors.com/) - [Privacy Policy](https://www.saltmarshcpa.com/privacy/) © 2026 Saltmarsh. All Rights Reserved | Saltmarsh is the brand name under which Saltmarsh CPAs, Inc. and Saltmarsh, Cleaveland & Gund provide professional services. Saltmarsh CPAs, Inc. and Saltmarsh, Cleaveland & Gund practice as an alternative practice structure in accordance with the AICPA Code of Professional Conduct and applicable law, regulations and professional standards. Saltmarsh CPAs, Inc. is a licensed independent CPA firm that provides attest services to its clients. Saltmarsh, Cleaveland & Gund and its subsidiary entities, which are not licensed CPA firms, provide tax, advisory, and other non-attest services to its clients. The entities falling under the Saltmarsh brand are independently owned and are not liable for the services provided by any other entity providing the services under the Saltmarsh brand. Our use of the terms "our firm" and "we" and "us" and terms of similar import, denote the alternative practice structure conducted by Saltmarsh CPAs, Inc. and Saltmarsh, Cleaveland & Gund.