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For acquiring credit unions

The partner your members need may not be on your list yet.

We find and approach merger partners on your behalf, confidentially, and stay with the process through to a letter of intent.

We also advise credit unions weighing whether to merge. That work is why their CEOs and boards take the first call, and why we know what they need to hear before a second one.

Discuss a confidential partner search
The problem we solve

Most merger conversations never start.

A smaller credit union's board rarely says no to a merger. It says "not yet", and keeps saying it until its options narrow.

Reaching the right partner means understanding what that CEO and board are protecting: their members, their staff, their community's name on the building, and their own place in what comes next. Outreach that ignores this is read as a sales call and filed.

Our approach starts from their side of the table.

How an engagement runs

Five stages, one adviser throughout.

  1. 01

    Positioning

    Set out what your credit union offers a partner's members, staff and community, in terms their board will recognise.

  2. 02

    Target development

    Build a list of credit unions that fit on members, markets, culture and financial condition.

  3. 03

    Confidential outreach

    Approach CEOs and board chairs directly. Your credit union is not named until there is interest.

  4. 04

    Dialogue

    Arrange and support the early conversations, including merger-of-equals structures where they fit.

  5. 05

    To letter of intent

    Work through governance, leadership, name and terms until both boards are ready to sign.

The record

Credit union mergers we have advised on

See all transactions
  • Announced transaction Gulf Winds Credit Union to acquire Madison County Community Bank Financial adviser to Gulf Winds Credit Union August 2026
  • Completed transaction San Francisco Federal Credit Union has acquired Summit Bank Financial adviser to San Francisco FCU July 2026
  • Announced transaction Frontier Credit Union to acquire First Citizens Bank of Butte Financial adviser to Frontier Credit Union February 2026
Related reading

For boards looking for a partner

All insights
Confidential

Tell us what your members need from a partner. We will tell you who might fit.

Discuss a confidential partner search