Trusted expertise

for a changing financial landscape
As the industry evolves, financial institutions need a partner to navigate the complexities and stay a step ahead. Young & Associates is a nationwide leader in financial institution consulting, outsourcing and education. We provide the trusted expertise you need to manage risk, stay compliant and position for growth and profitability.

Deep banking roots grow strong relationships

We understand your business better than most because we've been right where you are now. Our consultants are comprised of former banking executives, who spent decades in the industry. We draw on the depth of our practical experience and technical expertise to use it to your advantage.

The Y&A Advantage

With over 45 years of expertise, we’re your trusted partner in navigating the dynamic financial landscape. From regulatory compliance to IT consulting, our tailored solutions ensure sustained growth and profitability for banks, credit unions, and financial institutions nationwide. Explore our comprehensive services and discover why Y&A is your partner in success.

Meet our industry EXPERTS

Specialized expertise with decades of experience
Jerry Sutherin
Chief Executive Officer
Michael Gerbick
Michael Gerbick
David Reno
David Reno
Director of Loan Review & Lending Services
Products and Policies for Your Financial Institution
FIND policies, toolkits and resources

Shop products and policies for your financial institution

As an added value for our clients, we have created a variety of compliance, lending, risk management and IT policies and toolkits for our clients to purchase and implement at their own organizations.
Grow your knowledge base

Financial education and training services

We offer a variety of educational programs, webinars and in-house training to help you develop and train your management team, employees and directors. Our programs cover a wide array of topics from regulatory compliance to lending and loan administration, and we can customize programs to fit your needs.
Education Services
Stay industry focused

Find the latest news, insights and resources

CDs Maturing in Q2: Impact on Interest Rate Risk Management
CDs Maturing in Q2: Impact on Interest Rate Risk Management
By: Michael Gerbick, President at Young & Associates Interest rate risk (IRR) is the exposure of a bank or credit union’s current or future earnings and capital to adverse changes...
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Handle ARM Adjustments with Care
Adjustable-rate mortgages have not been much of an issue since fixed rates have been so low, but they are still an important tool.
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Connect with a consultant

Contact us to learn more about our consulting services and how we can add value to your financial institution