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. 

Group of women in a boardroom meeting.

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.

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Is your Credit Union prepared for the future? Part 1: Looking toward 2030

Digitization and evolving membership preferences are dramatically changing the financial services space. Three emerging trends will require you to transform and future-proof almost every dimension of your credit union so you can tackle the new opportunities and challenges ahead. Do you know what they are?

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.

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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.

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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.

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Credit Union Support and Involvement

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


  • Confidence

    October 13, 2022

    Managing the new landscape of anti-money laundering risk assessment in financial institutions

    As FINTRAC becomes more stringent in its reviews of your risk framework, your risk assessment processes need to evolve with the landscape.

  • May 10, 2023

    Is your Credit Union Prepared for the Future? Part 1: Looking toward 2030

    Your credit union must create an operating model and infrastructure that enables it to respond to continuous changes in the economic and social environment.

  • Confidence

    March 09, 2023

    Data Privacy: Is your Credit Union prepared?

    Data Privacy is evolving. Québec’s strict new privacy law took effect in 2022. We look at steps Canadian credit unions may take to evolve their practices and mature their programs— and the consequences of non-compliance.

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

National Leader, Digital