45 Years of Banking Experience, Working for You
CU Risk Advisors provides compliance tools designed specifically for community banks and credit unions. Our tools are built from real teller line and back office experience, not theory. Practical, accurate, and ready to use.
Whether you need a reliable way to calculate check holds, an editable risk assessment template, vendor management documentation, or a disaster recovery framework, CU Risk Advisors delivers solutions that fit the scale and budget of a community institution.
Every tool and template on this site is free. No account, no registration, no email address, and nothing captured. A $30 million credit union carries the same regulatory obligations as a $3 billion one, and it should not have to meet them with a smaller toolkit.
Our resources
ExpressHold
Free and open sourceA Reg CC check hold calculator that guides tellers to the correct hold amount, availability dates, and member notice, every time. Built in 1997, refined ever since, and released under Apache 2.0.
Learn moreRisk Assessments
Free downloadEditable templates for the risk assessments regulators expect to see documented. Right sized for community institutions.
Browse templatesVendor Management
Free downloadTemplates for building and documenting a vendor management program in house. Covers the full third party lifecycle, due diligence through termination.
Browse templatesBCP & Incident Response
Free downloadComplete plans and supporting documents for disaster recovery and incident response planning. Structured around examiner expectations, recovery objectives, critical systems, contact trees, and test documentation.
Browse templatesWhy CU Risk Advisors
The right fit for community institutions
Large consulting firms serve large institutions, and price accordingly. These tools were built for community banks and credit unions that carry the same regulatory obligations without the same budget or headcount.
Built by a banker
Every tool here comes from real teller line and back office experience, not theory. Built by someone who has had to answer for these documents in an examination.
No vendor in the middle
Download what you need and use it. No account managers, no sales calls, no onboarding, no renewal notices. Nothing here creates a vendor relationship your third party risk program has to assess.
Free, and yours to keep
No licence fee, no per seat cost, no contract, and nothing to cancel. The templates are free to use, adapt, and share with a peer institution. ExpressHold goes further: its source is published under Apache 2.0, so nothing you come to rely on can be taken away or locked behind a vendor later.
No compliance guarantees
We are transparent that compliance is your institution's responsibility. Our tools and advice support your team, they do not replace your judgment or your examiners'.
Questions, or cannot find what you need?
Everything here is free and there is nothing being sold. If something does not work, or you cannot find what you are looking for, get in touch. I also write on indirect auto lending and speak on credit union risk topics.