Built for U.S. credit unions · community banks next

Compliance you can see
before the examiner does.

PinotPulse is one place to prepare the reports your credit union sends to regulators, watch your risk numbers, and see how the institution is doing — all from the same up-to-date data. It checks your filings for errors before you submit, and keeps a record of how every number was calculated, so you’re ready when the examiner arrives.

Watch it work → Talk with us
One
platform & login instead of six to ten
Every filing
checked against the rules before you submit
Real-time
risk and banking numbers, not month-old reports
Full history
of how every number was produced, for your exam
In plain terms

What PinotPulse actually does for you.

Every quarter, your credit union has to send a stack of reports to federal regulators — the NCUA 5300 Call Report (your financial report card), BSA/AML filings (anti‑money‑laundering paperwork), HMDA (mortgage‑lending data), and CRA (community‑lending records). Most credit unions build these by hand, in spreadsheets, using a different software tool for each one.

PinotPulse pulls your core banking data into one place, fills in those reports, and checks them for the same errors the regulator checks for — so you catch problems before you file, not after. It also shows your risk and performance numbers in plain dashboards that update in real time, and it remembers exactly how every figure was produced. When an examiner asks “where did this number come from?”, the answer is right on the screen.

You still press submit. PinotPulse makes sure that what you submit is right — and gives you the trail to prove it.

What your credit union gains

Regulatory, risk, and banking —
working from one source of truth.

Regulatory

File with confidence, not dread.

  • Your Call Report (NCUA 5300), mortgage data (HMDA), anti‑money‑laundering filings (BSA/AML) and community‑lending records (CRA), all checked against the regulator’s own rules
  • See exactly what an examiner would flag — before you submit, not after
  • An examiner-defensible trail from source data to final figure
  • One workflow instead of hopping between vendor portals
The payoffFewer findings, fewer late nights, and a Call Report you can defend line by line.
Risk

Know where you stand, in real time.

  • Credit, interest-rate, liquidity and concentration risk in one view
  • CAMEL trends and peer benchmarks that update as your data lands
  • Interest‑rate stress numbers (NEV and duration gap) — the ones examiners ask about
  • Loan‑loss reserves (CECL) built from your own institution’s history, not a rough industry estimate
The payoffAnswer the board and the examiner in seconds — and catch exposure as it moves, not a quarter later.
Banking

Your whole institution, on live data.

  • Member growth, engagement and segmentation analytics
  • Lending, delinquency, deposits and treasury on one dashboard
  • Real-time analytics powered by a modern data engine — sub-second, not overnight
  • Rule-based and explainable throughout — never a black box
The payoffRun the credit union on numbers that are current today — not a spreadsheet from last month.
Who uses it, day to day

Made for the people who keep the credit union compliant.

Compliance & BSA officers

Prepare and review filings, catch errors early, and walk into exams with the paper trail already in hand.

Risk managers

Watch credit, interest‑rate and liquidity risk in real time — and see it move before it becomes a problem.

CFOs & leadership

Get current numbers for the board in seconds, and know the institution’s regulatory standing at a glance.

Lending teams

Have mortgage and lending data validated as loans are entered — not scrambled together the night before a deadline.

Ahead of the field

Built for this decade —
not retrofitted from the last one.

The tools most credit unions use were built for a single filing type, installed on a desktop, and never designed to talk to each other. Here’s where PinotPulse pulls ahead — on the things an examiner and a CFO actually feel.

 
PinotPulse
Legacy tools & point vendors
Architecture
Cloud-native, real-time, multi-user
Desktop-installed, batch, single-seat
Platform shape
One platform, one unified data layer
Six to ten disconnected products
Validation
See what an examiner would flag before you file
Submit and find out afterward
Audit trail
Examiner-defensible lineage on every number
Manual reconciliation across systems
CECL & risk depth
Segmentation, Q-factors, calibrated curves
Basic WARM-only estimate
Built for
Community institutions, from the ground up
Adapted down from big-bank software

Direct submission to the regulators is in active development. Today PinotPulse prepares and validates every filing to examiner standard — and we tell you exactly where each capability stands.

Why now

The cost of standing still
is quietly compounding.

Rising expectations

Regulators want more data, more often, with a clear line from source to submission. Civil money penalties for late Call Reports are back as of 2024.

Finite talent

Small teams spend a large share of every quarter re-keying and reconciling across systems. That’s time not spent on members — and it doesn’t scale.

A widening gap

Every deferred quarter widens the distance between what regulators expect and what spreadsheet-and-email workflows can deliver.

No sales call required

See what proactive compliance looks like.

Whether you run a credit union today or a community bank watching this space, we’ll walk you through the platform and the roadmap. No pitch — just a straight conversation about modernization.

Talk with us →