Credit Unions

Credit unions play a key role in Canada’s financial system. We’re here to help you navigate this dynamic industry, empowering you to stay competitive and profitable.  

Canada has a vibrant and thriving network of credit unions — one that is making steady gains by creating collaborative partnerships, staying true to the cooperative principles, and living their vision of being an integral part of their communities. To stay competitive and profitable, you need respond to external forces, such as changing demographics, consolidation, and dynamic member needs and internal forces, like staffing, operational effectiveness, and changing technology, while balancing the credit union system forces in play.

MNP is a leading national accounting, tax and business consulting firm for Canada’s credit unions. We have invested more time and resources into understanding credit unions and their dynamic landscape than any other firm. Proudly serving more than 135 credit unions across Canada, MNP has developed a diverse suite of services designed to strengthen credit union leadership, knowledge and financial position. 

Business woman typing on a laptop with an overlay of digital data

Credit Unions: Enhancing Your Strategy Through Data

Credit unions collect and store sensitive data from members. While this data tells the story required to enhance service delivery, how it is used and managed will determine whether your business capitalizes on opportunities or stumbles on regulatory hurdles. Our latest whitepaper shows credit unions how to make data a competitive advantage.

Person holing tablet, looking at data

The evolution of fintech and incumbent partnerships

Today’s customers expect innovation and seamless digital experiences. Our whitepaper highlights emerging trends and delivers insights and recommendations for both FinTechs and incumbents to build successful partnerships on the road towards collaborative customer-centric digital transformation.

People looking at a laptop

Credit Unions and Millennials

Credit Unions have historically struggled to attract one of Canada’s most populous and important demographics to their membership base. We’re here to help you break that trend.

Office lobby with people walking

Credit Union Support and Involvement

We are proud supporters of various initiatives and organizations promoting Canada’s credit unions.


  • Performance

    January 09, 2023

    How credit unions can improve member retention rates through predictive AI

    As a credit union decision-maker, you can retain your members and improve your team’s efficiency with the power of artificial intelligence and predictive analytics.

  • Performance

    January 03, 2023

    Unpacking new OSFI guidelines for assurance on capital, leverage, and liquidity returns

    Here’s what you need to know to successfully navigate OSFI’s newly-released guidelines for assurance on capital, leverage, and liquidity returns.

  • Progress

    November 08, 2022

    The evolution of fintech and incumbent partnerships

    Customer’s expectations for seamless digital experiences require financial institutions to innovate. In MNP’s whitepaper, we highlight the emerging trends, the challenges and provide practical insights and recommendations for both FinTechs and incumbents to build successful partnerships towards collaborative customer-centric digital transformation.

Contact our Credit Unions Team

Annette Bester CPA, CA, CIA, ICD.D

Partner, National Credit Union Leader

Annette Bester, CPA, CA, CIA, ICD.D is MNP’s National Credit Union Leader and an Audit Risk Partner in MNP’s Saskatoon office. A trusted business advisor, Annette draws on more than two decades of experience working with credit unions and business clients, supporting them and helping them strengthen their leadership.

Annette helps provide the vision and strategy steering MNP’s Credit Union Services group — one of Canada’s largest — to provide accounting, tax and advisory services to more than 135 Canadian credit unions.

Annette provides expert advice on technical accounting and business issues, helping ensure clients’ financials remain strong and compliant with reporting requirements.

She has provided audit, review and business consulting services to owner managed businesses in diverse industries. Annette’s experience has led to her exceptional understanding of credit unions and the members they serve. To further support the credit union sector, she works closely with national and provincial credit union organizations with a vision to support and strengthen credit union leadership, knowledge and financial position, significantly enriching the communities in which we both live and work.

Annette obtained her Bachelor of Commerce degree (Honours) from the University of Saskatchewan in 1999. She is a Chartered Professional Accountant (CPA), qualifying as a Chartered Accountant (CA) in 2002. She completed her Certified Internal Auditor (CIA) designation in December of 2020.  In addition, she completed the ICD-Rotman Directors Education Program in May 2021 and received her ICD.D designation from the Institute of Corporate Directors in June 2021.

As a past board member (July 2018 – August 2020) of Saskatchewan Capital Network, Annette worked to enhance Saskatchewan’s start-up ecosystem by connecting investment ready companies to investors. As a board member of Conexus Credit Union (since 2020) and the Chair of their Risk Committee (since 2021) Annette is passionate about improving the financial well-being of their members and communities.

Steven Luckie

Partner - Financial Services Institutions Leader


Regional Managing Partner, BC Advisory

Sean Devin

Regional Managing Partner