01
Discovery Call
We learn your institution's asset size, core system, regulatory history, and biggest financial pain points. 45 minutes. No commitment.
Built for Credit Unions & Community Banks
Your Members Deserve More. AI Delivers It.
Conscious Accounting pairs CPA-level expertise with real-time AI to
give credit unions and community banks the financial clarity,
regulatory foresight, and strategic intelligence to serve their
communities — and grow — with confidence.
Small Businesses Served
0
+
Years Combined Experience
0
+
Client Retention Rate
0
%
AI Financial Monitoring
0
/7
Trusted by firms using
SYMITAR
CORELATION
FISERV
JACK HENRY
QUICKBOOKS
XERO
// The Problem
Community Financial Institutions Are Operating Blind
You exist to serve your community — but most credit unions and
community banks have no real-time picture of their financial health,
regulatory exposure, or growth trajectory.
01 — LIQUIDITY
You're Managing Liquidity With Last Month's Data
Member withdrawals, loan disbursements, and deposit fluctuations move
faster than your reporting cycles. By the time your finance team sees the
numbers, the moment to act has already passed.
02 — REGULATORY
Exam Season Feels Like a Fire Drill Every Year
NCUA or FDIC examiners don’t give second chances. Incomplete Call Reports,
capital ratio drift, and BSA documentation gaps can cost you more than a fine
— they can cost you your charter.
03 — LOAN PORTFOLIO
Your CECL Model Is Built on Assumptions, Not Intelligence
Most community institutions are still using static spreadsheet models for loan
loss provisioning. When the economy shifts, you’re reacting — not anticipating.
That gap is where capital gets eroded.
04 — GROWTH
Growth Decisions Are Made Without a Financial Co- Pilot
Opening a new branch, launching a new loan product, expanding membership
eligibility — these are high-stakes decisions made with gut instinct because no
one has built a real financial model around them.
05 — REPORTING
Your Board Gets Reports. They Don't Get Insight.
Monthly board packets are thick with backward-looking data and thin on
forward-looking intelligence. Your volunteer board deserves financial
storytelling that actually helps them govern — not just comply.
06 — CAPACITY
Your Finance Team Is Maxed Out on Compliance, Not Strategy
The same two people doing Call Reports, reconciling GL accounts, and
preparing exam documentation have no bandwidth for strategic work. Every
hour spent on compliance is an hour not spent on growth.
// The Platform
AI That Works While You Serve Members
We pair human CPA and financial institution expertise with an always-on
AI layer that monitors, forecasts, and alerts — so your team is never
blindsided by their own balance sheet again.
Always On
Real-Time Financial Intelligence Dashboard
Your institution’s live financial pulse — liquidity position, capital ratios, loan portfolio health, and regulatory exposure —
updated in real time. Connected directly to your core processing system. No waiting for month-end. No exam-day surprises.
FIRM INTELLIGENCE DASHBOARD
- Live
Liquidity Ratio (Current)
18.4% ✓
Net Capital Ratio
11.2% — Well Capitalized
Loan-to-Share Ratio
82.6% ⚠ Trending Up
Delinquency Rate (60+ days)
1.8% — Monitor
CECL Reserve Adequacy
Adequate ✓
AI Alert: Exam readiness score
91 / 100 — 2 items pending
Proactive
Regulatory Exam Readiness — Always
Our AI continuously monitors your compliance posture against NCUA/FDIC requirements — flagging gaps in BSA
documentation, capital ratio drift, and Call Report accuracy weeks before examiners arrive. You stop reacting and start
governing.
Ask Anything
The Decision Desk — Ask Your Numbers
An AI-powered interface where your CFO or CEO can ask “what happens to our capital ratio if we grow the loan portfolio
12% this year?” and get a real answer grounded in your actual financials — not a generic model.
Intelligence
AI-Powered CECL & Loan Loss Forecasting
Replace your static spreadsheet model with dynamic, data-driven loan loss provisioning. Our AI integrates economic
indicators, your historical loss data, and current portfolio composition to give your board a defensible CECL estimate —
not a best guess.
Automation
Call Report & Board Package Automation
We automate the data gathering, reconciliation, and formatting for your quarterly Call Report and monthly board
financials — turning a 40-hour manual process into a review-and-approve workflow. Your team gets their time back.
// How It Works
Up and Running in 14 Days
We handle everything. You keep serving members.
02
Financial Health Audit
Our team reviews your financials, compliance posture, and existing workflows — and delivers a financial health score before you pay us a single dollar.
03
AI Integration
We connect your core processing system to our AI intelligence layer. Your real-time dashboard goes live within 14 days of engagement start.
04
Ongoing Partnership
Monthly strategy calls, proactive regulatory alerts, board-ready financials, and a team that genuinely understands how community financial institutions operate.
// The Team
Human Expertise. AI Precision.
Our team brings together CPAs, financial strategists, and technology
specialists who understand the unique financial architecture of law
firms.
Nicole Butler-Davis
Founder & Lead CPA
CPA with 20+ years of experience. Former Fortune 500 financial
consultant. Specializes in law firm tax strategy and partner
compensation structures.
Matt Heim
AI & Data Strategist
Led AI implementation at mid-tier accounting firms. Architected our
real-time financial intelligence platform. Expert in legal practice management software integrations.
JW D.
Trust Accounting Specialist
15 years specializing in NCUA and FDIC examination preparation,
BSA/AML compliance, and Call Report accuracy. Has helped 40+
institutions achieve clean exam results after prior findings.
Alix M., CPA
Senior Financial Strategist
Former Big 4 advisor specializing in financial institution strategy.
Expert in CECL model development, capital planning, merger
modeling, and ALM for institutions $50M–$500M.
// How We Compare
Built for Institutions That Put Community First.
Conscious Accounting & Consulting
Local CPA
Big 4 / Regional
Real-time financial intelligence dashboard
Proactive regulatory exam readiness monitoring
Enterprise only
Credit union / community bank specific expertise
Rarely
AI-powered CECL & loan loss modeling
Enterprise only
Call Report automation & review
Manual only
Enterprise only
Direct senior partner access (not a junior)
Sometimes
Accessible for $50M–$500M institutions
100% money-back guarantee
// Client Voices
What Leaders Are Saying
From CEOs to CFOs to board chairs — here’s what institutions
// Follow the Conversation
Stay Connected. Stay Ahead.
Weekly financial intelligence for credit union and community bank
leaders.
Behind-the-scenes of our team, client wins, and financial education content.
ConsciousAccountingCPA
Community for financial institution leaders navigating growth,
compliance, and strategy.
Blog & Insights
Community for financial institution leaders navigating growth,
compliance, and strategy.
// Follow the Conversation
Ready to Lead Your Institution With Confidence?
Start with a free financial health assessment. We’ll show you
exactly where your institution is exposed — before you pay us a
single dollar.
Phone
Offices
Atlanta · Knoxville · St. Petersburg
Hours
Mon–Thu 9AM–5PM · Fri 9AM–1PM