The investment race engineer
built for credit unions
Elite Capital is a hyper-specialized investment advisor working exclusively with credit unions — delivering institutional-quality portfolio management, white-glove service, and back-office infrastructure that most credit unions never knew they could access.
Most credit union portfolios look the same — Yours doesn't have to
The majority of credit union investment portfolios are heavily concentrated in agency securities and MBS — instruments that are well understood, broadly available through broker-dealers, and already abundant on most balance sheets.
Elite Capital's differentiation lies elsewhere: in asset classes that are genuinely permissible, demonstrably advantageous for credit unions, and chronically underutilized because they require real research and real infrastructure to execute well.
We've been building that infrastructure — and that expertise — since 2007.
One track — Four applications
Elite Capital's investment strategies aren't generic — they're purpose-built for the specific programs credit unions run. Every portfolio is structured around your program's objectives, regulatory requirements, and reporting obligations from day one.
Elite Community Impact Program
A self-funding charitable giving program for your community, built on structured protection. Equity upside with defined downside limits and daily liquidity, supporting local causes, veterans' organizations, and your own foundation.
Explore the Program →Part 703 Permissible Portfolios
Investment grade taxable municipal bonds — one of the most chronically underutilized permissible asset classes in credit union portfolios. Credit unions receive 100% of the nominal yield. No tax adjustment. Positive convexity. The antidote to MBS fatigue.
Learn More →Employee Benefits Pre-Funding
Set aside assets today to offset the future operating costs of active employee benefits. Elite Capital helped pioneer this strategy in the credit union space in 2007.
Explore the Program →457(f) Executive Benefit Plans
Liability-matched portfolios calibrated to the specific plan's projected benefit obligation and payout timeline. Retain your best people with plans built around real obligations.
Learn More →Under the hood
Three distinct investment strategies — each purpose-built for credit union balance sheets, regulatory requirements, and long-term objectives.
Taxable Municipal Bonds & U.S. Corporates
Delivered through our decade-long partnership with GW&K Investment Management — institutional fixed income management at preferred pricing that most credit unions can't access independently.
Explore Fixed Income → Defined Outcome EquityStructured Protection
Equity market participation with embedded downside buffers. Exchange-traded FLEX Options cleared by the OCC — no bank issuer risk, no lock-up periods, daily liquidity.
Explore Defined Outcome → Thematic EquityThematic Equity
A disciplined core and value anchor, combined with dynamic thematic convictions targeting structural macro forces at the inflection point of their adoption cycle. A portfolio where every position earns its place.
Explore Thematic Equity →The best race engineers aren't in the background — they're on the radio with you every lap
A race engineer doesn't hand a driver a strategy at the start of the season and disappear. They're on the radio with the driver every lap — reading telemetry in real time, calling the pit strategy, answering questions before they're fully asked. The relationship is constant, direct, and built on trust earned one race at a time.
That's the role Elite Capital plays for your credit union. We're in regular, direct contact with your CFO, your CEO, and your board — walking through portfolio positioning, regulatory changes, and market conditions in plain language, in person and on demand. Continuous intelligence, delivered by the people who built it, not a call center reading from a script.
No opaque products. No commissions. Just clarity, customization, and white-glove service — delivered to a select group of credit unions we've chosen to serve at an extraordinarily high level.
The back office is not an afterthought
For a credit union CFO, knowing where you stand at any given moment — and being able to demonstrate that to your board and examiners — is as important as the investment results themselves.
Telemetry Briefing
Delivered within 2 business days of month-end — plain-language executive intelligence on portfolio performance. Designed for the CFO, CEO, and board member who needs to be informed, not burdened.
Business Day 1 Close
Elite closes the books accurately and completely on Business Day 1 of each new month. No lag, no estimates. Your month-end data is final the moment the month ends.
Proprietary Reporting Portal
Around-the-clock access to audit-quality, position-level accounting and performance data — updated daily, fully reconciled, available any time without waiting for a quarterly statement.
5300 Call Report Support
Automated population of the relevant NCUA 5300 Call Report sections impacted by your portfolio — eliminating manual data gathering for your team.
ACL Reporting
Quarterly ACL reporting for the fixed income portfolios we manage, supporting your team's regulatory compliance obligations without adding to your workload.
Charles Schwab Custody
Client assets held with the nation's leading RIA custodian — $10.3 trillion in client assets, insured up to $150 million through SIPC and Lloyd's of London. No additional cost to clients.
The right portfolio starts with the right conversation
We work with a select group of credit unions and serve each one at an extraordinarily high level. If you're looking for a long-term partner who will treat your portfolio with the same care you treat your members, we'd like to talk.