SmartSource

What SmartSource does

SmartSource Solutions, LLC is a privately held Credit Union Service Organization (CUSO) founded in 2001 and headquartered in Tuscaloosa, Alabama, that builds, hosts, and manages digital infrastructure exclusively for the US credit union industry. The company operates two product divisions: an award-winning web design and hosting practice (including the SmartSite pre-configured package and fully custom builds) and CUboardroom, a proprietary board portal launched in 2001 for board and committee communication, voting, document management, and event scheduling.

The technology stack is built on Kentico CMS hosted on Tier 3+ Rackspace Private Cloud, secured by Imperva Web Application Firewall, ArmorAnywhere IDS/IPS, enterprise firewalls, and DDoS prevention, with SSAE-18 SOC II, ISO 27001, and Level 1 PCI-DSS compliance inherited from the infrastructure partners. SmartSource extends this core platform with modular add-ons: TCalc financial calculators (45 calculators), IDA AI chatbot, Valiify digital account opening, and Rise online loan payments, plus optional Zoom integration inside CUboardroom. The firm employs 11-50 people, whose web development team holds 100+ years of combined credit-union-specific experience.

The business model is B2B sales-led with quote-based, annual subscription pricing across web development, hosting, CUboardroom, and add-on modules, with hosting discounts for extended term commitments. SmartSource serves nearly 300 credit unions, corporate credit unions, and credit union leagues nationwide, spanning asset sizes from $4.5 million to over $2.5 billion. Distribution is exclusively direct via website contact forms and demo requests, with no resellers, distributors, or marketplace presence, and the company has no disclosed outside investors, parent company, or acquisition history.

Name

SmartSource

Legal name

SmartSource Solutions, LLC

Website

https://smartsourcesolutions.org

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

SmartSource Solutions is a privately held CUSO that builds, hosts, and secures websites, board portals, and digital banking modules exclusively for US credit unions, serving nearly 300 institutions nationwide since 2001.

Ownership category

akta.pro rank

Headquarters

HQ city

Birmingham

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Infrastructure, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Web Development Services: Custom website design and development services for credit unions. Includes award-winning responsive designs, accessibility compliance, and WCAG guidelines adherence. Pricing varies by package and term commitment.
2. Private Cloud Hosting: Tier 3+ Rackspace Private Cloud hosting with SSAE-18 SOC II compliance. Hosting discounts available with extended term commitments. Includes security infrastructure (WAF, IDS/IPS, DDoS prevention).
3. CUboardroom Board Portal: Annual subscription-based online board portal software. Includes unlimited users, document storage, voting, event management, discussion forums, expense reporting, and optional Zoom integration.
4. Financial Calculators (TCalc): Financial calculator packages available by bundle, category, or individually. Customized to match credit union branding. Captures lead information from calculator users.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

SmartSource Solutions is a CUSO that exclusively provides web design and development, private cloud hosting, content management, and security services to credit unions. Its portfolio includes custom and SmartSite template-based responsive websites, Tier 3+ Rackspace private cloud hosting with Imperva WAF and ArmorAnywhere IDS/IPS, Kentico CMS, and the proprietary CUboardroom online board portal, supplemented by add-ons such as the IDA AI chatbot, Valiify digital account opening, Rise online loan payments, and TCalc financial calculators.

Product overview

SmartSource offers a platform-plus-modules architecture serving credit unions with two core divisions: (1) award-winning web design and hosting solutions powered by Kentico CMS on Rackspace private cloud, and (2) the CUboardroom board portal. Modular add-ons include IDA AI chatbot, Valiify digital account opening, Rise online loan payments, and TCalc financial calculators. All solutions are exclusively designed for the credit union industry, serving nearly 300 credit unions nationwide since 2001.

Differentiator

Problem solved

Functional benefit

Brands

• CUboardroom: An online tool used by boards and committees for communication, collaboration, and document dissemination. Revolutionizes the way credit unions communicate with their boards, committees, management, or staff by centralizing official correspondence via a highly secure, web-enabled communication channel. First launched in 2001.
• SmartSite
• IDA
• Valiify
• Rise
• TCalc

Products and services

• Custom Website Development Award-winning custom web design service building unique, responsive, and WCAG-accessible websites tailored to individual credit unions' branding, vision, and accessibility requirements.
• SmartSite Website Package Pre-configured website solution for small to medium-sized credit unions needing a great-looking, accessible, responsive website built from a component library with customizable branding.
• CUboardroom Board Portal Annual subscription online board portal for credit union boards and committees enabling communication, collaboration, document dissemination, voting, event scheduling, discussion forums, expense reimbursement, and optional Zoom integration across unlimited users and groups.
• Private Cloud Hosting Tier 3+ Rackspace Private Cloud hosting with redundant infrastructure, load balancing, 24/7/365 monitoring, and bundled security (Imperva WAF, ArmorAnywhere IDS/IPS, DDoS prevention) for credit union websites.
• Content Management System (Kentico CMS) Kentico-based content management system bundled with hosting that lets credit unions manage virtually all website content, images, documents, banner ads, and content scheduling from anywhere.
• TCalc Financial Calculators Suite of 45 personal financing calculators including home financing, personal financing, retirement, investment, and lease calculators, fully customized to match credit union branding with amortization schedules, graphs, and charts.
• IDA AI Chatbot No-code AI chatbot built specifically for credit unions that can be customized, trained, and deployed within minutes to provide intelligent member support and engagement.
• Valiify Digital Account Opening Digital account opening solution for credit unions that automates account opening and KYC/risk-rating processes while delivering more digital applications with less fraud.
• Rise Online Loan Payments Online loan payment platform allowing borrowers to make single or recurring payments via card or ACH, integrated into credit union websites for member loan servicing.

Quantifiable outcome

• Approximately 85% of security threats blocked originate from high-risk countries via geo-location blocking
• +1 more outcomes

Named customers47 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability2 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• Rackspace TechnologycoreTechnology or IntegrationStrategic hosting partnership providing Tier 3+ private cloud infrastructure. Rackspace provides fully redundant private cloud environment with dual-redundant network firewalls, load balancers, SSAE-18 SOC II compliance, and ISO 27001 certification. CUboardroom is also hosted on Rackspace private cloud servers.
• ImpervacoreTechnology or IntegrationProvides Level 1 PCI-certified Web Application Firewall (WAF) for all hosted websites. Protects against SQL injection, cross-site scripting, remote file inclusion, and other OWASP threats. Includes geo-location blocking and country blacklisting capabilities.
• ArmorcoreTechnology or IntegrationArmorAnywhere IDS/IPS (Intrusion Detection/Prevention System) provides 24x7 security monitoring. Hardware appliance with security team analyzing information in real time.
• KenticocoreTechnology or IntegrationKentico CMS is the ASP.net-based content management system powering all credit union websites. Allows credit unions to manage virtually all website content from anywhere. Chosen over open-source CMS options (WordPress, Joomla) for security and reliability.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Access Softek: Provider of digital banking, biometric authentication, and member-facing technology specifically for credit unions. Comparable niche focus on credit union digital member experience.
• Alkami Technology: Digital banking platform serving US credit unions and community banks with online/mobile banking, account opening, and member engagement. Most directly comparable end-to-end competitor to SmartSource's combined web + digital member stack.
• Lumin Digital: Cloud-native digital banking platform purpose-built for credit unions and community banks, including account opening and member engagement. Closely comparable to SmartSource's web + digital account opening offering.
• CO-OP Financial Services: Large CUSO providing payments, lending, and digital services to thousands of US credit unions. Comparable CUSO model serving the same buyer with an overlapping but broader product portfolio.
• Velera (formerly PSCU): CUSO offering digital banking, payments, and member experience solutions to credit unions. Directly comparable cooperative service organization targeting the same credit union buyer.

Emerging players

• Glia: Digital customer service platform (co-browsing, messaging, AI assistants) for financial institutions including credit unions. Emerging player that overlaps with SmartSource's IDA chatbot and member engagement layer.

Broad incumbents

• CUNA Strategic Services: CUNA-affiliated CUSO that vets and curates technology providers for credit unions. Broader incumbent in the same credit union services ecosystem that SmartSource operates within.
• Jack Henry & Associates: Large core and digital banking technology provider for community banks and credit unions. Broad incumbent with overlapping digital channels, websites, and member-facing capabilities.
• Fiserv: Major financial technology provider with digital banking, core processing, and payments used by many US credit unions. Broad incumbent with overlapping digital and member engagement capabilities.
• Backbase: Digital banking platform used by banks and credit unions globally to power member-facing web and mobile experiences. Broad incumbent with directly comparable web/digital member experience capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/smartsource-solutions-llc

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SmartSource