Tiffany Chisnall

Biography

Credit Union Consultant | Turnaround Strategist | Interim Executive Leader

Background

Tiffany Chisnall is a nationally recognized credit union executive with more than 25 years of industry leadership, specializing in complex turnarounds, regulatory recovery, interim executive management, and strategic transformation. She has partnered with institutions ranging from $4 million to over $4 billion in assets, guiding them through some of the most challenging periods in their history while preserving capital, restoring profitability, and strengthening governance.

More than half of Tiffany’s career has been dedicated to consultative and interim executive roles. She has led credit unions operating under Letters of Understanding and Agreement, Memorandums of Understanding, and formal regulatory oversight. She served on the conservatorship management teams for two of the largest credit union conservatorships in U.S. history, Texans Credit Union and Municipal Credit Union. Across every turnaround engagement, she maintains a 100 percent success rate.

Tiffany brings deep operational expertise across lending, retail, operations, finance, marketing, and enterprise risk management. Her leadership approach combines financial discipline, regulatory rigor, and member focused strategy. In addition to turnaround work, she facilitates strategic planning sessions for Boards and executive teams nationwide and provides executive coaching and governance training for newly appointed and emerging leaders.

Her mission is simple. To help credit unions achieve theirs.

Experience

2021 to Present - Independent Credit Union Consultant

Scope
Interim President and CEO roles, turnaround leadership, regulatory remediation, operational restructuring, Board governance, executive coaching, and strategic planning facilitation.

Representative Results
• Returned a $230 million California credit union under LUA to profitability within one year, despite projections of three additional years of negative earnings
• Stabilized a $650 million Massachusetts credit union under LUA and MOU, reversing negative margin while maintaining regulatory net worth and liquidity requirements
• Rectified 75 plus outstanding and repeat exam findings in a single engagement
• Overhauled operations and lending at multiple small institutions, resolving 50 plus audit findings, many long standing
• Recruited and onboarded permanent CEOs and trained new Boards and Supervisory Committees
• Facilitated 20 plus strategic planning sessions nationwide in the past four years

Impact
Strengthened capital positions, restored regulatory confidence, rebuilt executive teams, and positioned institutions for sustainable long term performance.

2019 to 2021 - EVP and Chief Experience Officer Municipal Credit Union | New York City

Scope
Executive leadership team member during the largest natural person credit union conservatorship to date.

Responsible for Lending, Retail with 15 branches and high volume call center, Operations, Marketing, and Business Development.

Results
• Increased capital from 3.2 percent to 6.3 percent during conservatorship
• Maintained ROA above 1.25 percent in multiple months
• Increased income to approximately $5 million per month
• Reversed declining loan portfolio and achieved organic growth within six months
• Implemented policies and procedures to resolve extensive DORs and exam findings
• Recruited and trained a new Advisory Board of Directors

Impact
Restored financial stability, rebuilt operational infrastructure, and re centered the organization on member experience and sustainable growth.

2011 to 2019 - EVP and Chief Operating Officer Texans Credit Union | Richardson, Texas

Scope
Senior executive leader throughout a five year conservatorship, overseeing large scale operational, financial, and balance sheet restructuring.

Results
• Completed a 7.5 year Net Worth Restoration Plan in 5 years
• Repaid Section 208 assistance loan 3 years early
• Maintained assets within targeted range to accelerate capital stabilization
• Restructured balance sheet to become asset sensitive in a rising rate environment
• Originated over $150 million annually in consumer loan production
• Increased fee income by over $1 million annually
• Achieved one of the lowest non interest expense ratios nationally

Impact
Accelerated capital recovery, stabilized earnings, strengthened liquidity, and positioned the institution for post conservatorship success.

2001 to 2011 - Vice President Memphis Area Teachers Credit Union, now Orion FCU | Tennessee

Scope
Executive leadership during a major turnaround initiative, with responsibility for restructuring, expense management, and leadership development.

Results
• Played key role in 15 month turnaround initiative
• Reduced expenses by approximately $2 million annually
• Led organizational restructure and succession planning initiatives
• Participated in strategic planning facilitation and Board governance efforts

Impact
Built operational efficiency, strengthened leadership bench, and supported long term institutional growth beyond $1 billion in assets.

Skills

Interim CEO & Executive Leadership

15+ Years

Strategic Planning & Board Governance

20+ Years

Operational Transformation & Performance Optimization

20+ Years

Credit Union Turnarounds & Regulatory Recovery

25+ Years

Contact

Connect with Tiffany:

Biography