Continuous Visibility
See the signals that matter across financial performance, operating costs, and market conditions so leaders can act with greater clarity.
See where performance is breaking down.
Most financial institutions have the data. Fewer have clarity on where to act across cost, operations, and revenue.
Where performance gaps
begin to show.
Performance gaps in financial institutions rarely appear in one place. They show up across cost structures, operational performance, and revenue, often without clear visibility into where to act first.
Too Many Systems. Not Enough Clarity.
Data lives across the institution, but not always where decisions are made. As complexity increases, leaders have a harder time seeing what matters, where performance is breaking down, and where to act first.
Vendor Sprawl Erodes Margin.
Redundant tools, unmanaged renewals, and limited contract visibility quietly erode value. What looks controlled on the surface often carries hidden cost, risk, and missed leverage underneath.
Growth Demands Smarter Execution.
Strategy often outpaces capacity. Teams are asked to move faster, improve performance, and manage change at the same time, making it difficult to prioritize what will create the greatest impact first.
Pricing Needs Clear Market Signals.
Pricing and product decisions are too important to make without market clarity. When competitive signals are incomplete or lagging, revenue opportunities are missed and misalignment is harder to spot.
What happens when visibility becomes action.
Leaders move from fragmented data and lagging insights to clearer priorities, faster decisions, and measurable impact across cost, operations, and revenue.
Clearer Priorities
Move from scattered information to focused decisions by identifying where action will create the greatest performance impact first.
Measurable Impact
Connect insight to execution in ways that improve pricing, operational efficiency, revenue performance, and return on investment.
Closing the gap between insight and action.
Performance gaps rarely exist in isolation. They show up across cost structures, operational performance, pricing, and market positioning — often without clear visibility into where to act first.
Ceto NOVA™ brings these signals together into a connected intelligence environment, helping financial institutions move from fragmented visibility to clearer priorities and faster decisions.
Trusted by institutions. Proven by results.
“ The professionalism, expertise, and perspective that Ceto incorporated into our recent Market View engagement was a great complement to our efforts to maximize profitability. Without question, this has been one of the best engagements that we have completed with a consulting firm.”
Cashmere, WATotal Assets: $2.2 Billion
“ We recently completed a Market View analysis that has the potential to be one of the most cost-beneficial projects we have conducted. Ceto was able to identify various areas of opportunity where we could generate additional income while remaining competitive in our markets."
.png?width=1342&height=418&name=logo%20(1).png)
RBFCU, Live Oak, TXTotal Assets: $15.3 Billion
“ Ceto was instrumental in assisting with the process of implementing and monitoring the recommendations to assure that we met the benefits that they had projected.”
Citi National Bank, Clearfield, PATotal Assets: $5.2 Billion
“ We were able to implement the recommendations that our executive management team approved with relative ease. We also tracked the actual results and custom-built monitoring reports provided by Ceto and realized the additional revenue quickly.”
Affinity, Basking Ridge, NJTotal Assets: $3.8 Billion
“ We engaged Ceto for the Market View program and we were extremely satisfied with the results of the entire process. We are very happy that we chose Ceto as the vendor and partner for our revenue enhancement and product pricing initiatives.”
Numerica, Spokane, WATotal Assets: $3.5 Billion
“ Ceto's recommendations were meaningful and focused not only on revenue enhancement but also on bringing greater value to our clients through changes to our depository products.”
First Bank, Hazelwood, MOTotal Assets: $6.9 Billion
“ Ceto’s experience in core conversions and the confidence we have built with them over the years made them the clear choice for this crucial effort. The strong recommendations we received from other credit unions meant a great deal to me and our leadership team."
Joseph Tedesco, President/CEO, Ocean Financial Total Assets: $383 M.
Start with understanding your performance.
A focused conversation to identify where performance gaps may exist across cost, operations, and revenue—and where to act first.
Frequently Asked Questions
What is Ceto NOVA™?
Ceto NOVA™ is a connected banking intelligence platform built for community banks and credit unions. It brings competitive, operational, vendor, market, demographic, and growth data and insights into one environment so leaderscan understand performance, identify opportunities, and decide where to act.
The platform includes NOVA Vantage™ for competitive pricing intelligence, NOVA Pulse™ for operational benchmarking, NOVA Nexus™ for vendor and contract insights, NOVA Atlas™ for market and demographic insights, NOVA Vector™ for predictive growth signals, and Lucira™ AI to help leaders interpret and act on the data.
How does the Ceto NOVA™ platform work?
Ceto NOVA™ brings multiple areas of banking data and analysis into a single platform, eliminating the need for leaders to work across separate reports, spreadsheets, and point solutions. Its capabilities span competitive pricing, operations, vendors and contracts, market and demographic intelligence, predictive growth signals, and AI-powered guidance.
Community banks and credit unions can use the broader Ceto NOVA™ platform or focus on the capabilities that are most relevant to their current priorities. For more complex or customized needs, Ceto can help determine the right platform configuration and approach.
What business problems does Ceto NOVA™ help community banks and credit unions solve?
Ceto NOVA™ helps leaders address challenges caused by fragmented information, limited visibility, and disconnected decision-making. The platform connects data and insights across pricing, operations, vendors, contracts, markets, demographics, and growth so leaders can identify performance gaps and prioritize where action may have the greatest impact.
NOVA Vantage™, NOVA Pulse™, NOVA Nexus™, NOVA Atlas™, NOVA Vector™, and Lucira™ AI work together within Ceto NOVA™ to give leaders a more connected view of the business.
Do community banks and credit unions need every Ceto NOVA™ capability?
Ceto NOVA™ is designed as a connected platform, but community banks and credit unions can align their use of the platform to the business priorities they need to address. Some organizations may benefit from broader access across competitive, operational, vendor, market, and growth capabilities, while others may initially focus on specific areas such as pricing, vendor management, or operational performance.
Ceto can also work with leadership teams to determine the right configuration for more specialized or complex needs.
Why should community banks and credit unions trust Ceto NOVA™?
Ceto NOVA™ is backed by more than 30 years of Ceto experience working with community banks and credit unions. Since 1994, Ceto has supported more than 2,000 banks and credit unions and combines consulting expertise with software across profitability, operations, competitive intelligence, vendor strategy, technology, and growth.
Ceto NOVA™ brings that experience into a connected platform designed around the decisions community bank and credit union leaders make.
How does Lucira™ AI handle our institution's information?
Lucira™ AI works only within your institution's Ceto NOVA™ environment and the data your team is licensed to access. Client data is not used to train AI models, and no data is retained at the model layer after a response is generated.
Lucira™ AI is model-agnostic, allowing Ceto to select and update the underlying models as the technology evolves without changing how client data is handled.
How does Ceto NOVA™ protect our data?
Ceto NOVA™ runs on Microsoft Azure, and client data resides within Azure's cloud infrastructure, which maintains SOC 2 Type II and ISO/IEC 27001 certifications that Ceto's compliance posture builds upon. Data is encrypted in transit over HTTPS and at rest using 256-bit AES-GCM encryption, which Azure applies to all data, metadata, and backups and cannot be disabled.
Login and authentication are managed through Auth0 by Okta, and every action in the platform requires an authenticated user. Each institution's data is logically segregated through tenant isolation and cannot be accessed by any other client.
File uploads, edits, and deletions are logged, and institutions can remove files at any time or request permanent deletion from storage.
Where does the data in Ceto NOVA™ come from, and how current is it?
Competitive pricing data in NOVA Vantage™ is gathered and maintained by Ceto's research team, which monitors rates, fees, and product terms across the competitors each institution selects. Updates are made at your preferred cadence, and changes that affect competitive position trigger alerts within the platform.
Operational benchmarks in NOVA Pulse™ draw on Ceto's more than 30 years of engagements with community banks and credit unions, presented as peer segments rather than individual institutions.
NOVA Nexus™ reflects your institution's own vendor contracts and obligations, NOVA Atlas™ draws on established market and demographic data sources, and NOVA Vector™ applies predictive models across combined market and growth data.
You don’t have to be ready to talk to start getting clarity.
Most leaders spend months mapping where performance is breaking down before they engage anyone. If that’s where you are, you’re not behind — you’re being deliberate. We put what we know about the patterns, the pressure points, and where institutions typically find the most leverage into one place. Read The Banking Performance Gap on your own time.
The system behind stronger financial performance.
How Ceto helps financial institutions connect data, align decisions, and move from fragmented visibility to measurable performance improvement