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.
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MNP and credit unions
Supporting growth, innovation and success.
Credit Unions Women in Leadership Video Series
Welcome to our Women in Leadership video series, where we showcase successful women who have made a name for themselves in the Credit Union industry. Discover their distinct approach to navigating the industry, the obstacles they’ve faced on their path to leadership, and the accomplishments they’re most proud of.
Is your Credit Union Prepared for the Future? Part 3: How to mitigate shortfalls during transformation
It is vital for credit unions to embrace transformation — however, these efforts may fall short without proper diligence. Understanding three common areas where shortfalls frequently occur is key to achieving a successful transformation. Do you know how to mitigate these shortfalls and reach your goals?
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.
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.
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.
Credit Union Support and Involvement
We are proud supporters of various initiatives and organizations promoting Canada’s credit unions.
Insights
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Agility
May 12, 2025
Boost your credit union's performance with CUPID's benchmarking insights
Our Credit Union Peer Information Dashboard (CUPID) helps credit unions enhance performance through data analysis and benchmarking against industry peers.
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Confidence
December 17, 2024
How credit unions can get ahead of climate risk and OSFIs new requirements
Discover how credit unions can prepare for upcoming regulations, including OSFI’s climate risk regulations by managing transition and physical risks to strengthen resilience.
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Confidence
September 18, 2024
Guideline B-15 and climate-related risk: What Canadian lenders need to know
Understanding OSFI Guideline B-15 and climate risk management. Learn how Canadian lenders can navigate climate-related risks and stress-testing frameworks.
Contact our Credit Unions Team
Annette Bester CPA, CA, CIA, ICD.D
Partner, National Credit Union Leader
Annette is MNP’s National Credit Union Leader and an Audit Risk Partner in the firm’s Saskatoon office. A business advisor with more than 25 years of experience, she works closely with credit unions and business clients, supporting them and helping them strengthen their leadership, knowledge, and financial positions.
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 140 credit unions across Canada.
Her 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, significantly enriching local communities.
Annette also delivers audit, review, and business consulting services to owner-managed and Indigenous owned businesses in diverse industries. She provides advice on technical accounting and business issues, helping ensure clients’ financials remain strong and compliant with reporting requirements.
Annette obtained an Honours Bachelor of Commerce (BComm) 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 2020, and in 2021, completed the ICD-Rotman Directors Education Program and received her ICD.D designation from the Institute of Corporate Directors.
Annette is passionate about improving the financial well-being of credit union members and communities. As a past board member (2018 – 2020) of Saskatchewan Capital Network, Annette worked to enhance Saskatchewan’s start-up ecosystem by connecting investment-ready companies to investors. As a past board member of Conexus Credit Union (2020 - 2023) she helped ensure strong governance and risk management through her time on various committees.
Steven Luckie
Partner - Financial Services Institutions Leader
Alan Cosgrave CPA, FCA (IRE), CIA, CFSA, CICA
Regional Managing Partner, BC Advisory
