API reference · Communities & institutions

Credit union prudential and governance

POST/credit-union/{reference}/auditorEngage an external auditor
GET/credit-union/{reference}/auditorsList external auditor engagements
GET/credit-union/{reference}/compliance/breachesRead compliance breaches
POST/credit-union/{reference}/delegateAppoint a delegate
GET/credit-union/{reference}/delegatesList delegates
POST/credit-union/{reference}/electionSchedule an election
POST/credit-union/{reference}/election/{electionReference}/ratifyRatify an election
POST/credit-union/{reference}/election/{electionReference}/resultRecord an election result
GET/credit-union/{reference}/electionsList elections
POST/credit-union/{reference}/electoral-zoneCreate an electoral zone
GET/credit-union/{reference}/electoral-zonesList electoral zones
GET/credit-union/{reference}/governance/complianceRead the governance compliance report
GET/credit-union/{reference}/member/{positionReference}/tierRead a member's seniority tier
POST/credit-union/{reference}/member/{positionReference}/zone/{zoneReference}Assign or move a member's zone
PUT/credit-union/{reference}/prudential-ruleSet a prudential rule
GET/credit-union/{reference}/prudential-rulesRead the prudential rules in force
GET/credit-union/{reference}/quorumRead the quorum basis
GET/credit-union/{reference}/report/delinquencyRead the delinquency and PAR report
GET/credit-union/{reference}/report/exposureRead the exposure report
GET/credit-union/{reference}/report/prudentialRead the prudential dashboard
POST/credit-union/{reference}/snapshotWrite today's snapshot
GET/credit-union/{reference}/suitabilityList fit-and-proper records
POST/credit-union/{reference}/suitabilityRecord a fit-and-proper assessment

POST Engage an external auditor

POST /credit-union/{reference}/auditor

The annual return refuses to reach ATTESTED without a current engagement from a firm on the approved list.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live
`Content-Type`	application/json

Path parameters

Name
`reference`

Example

Request body: EngageAuditorRequest · Response: GenericResponseExternalAuditorResponse

curl -X POST "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/auditor" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV" \
  -H "Content-Type: application/json" \
  -d '{
  "firmName": "string",
  "approvalReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "approvedUntil": "2026-09-25",
  "engagedForFiscalYear": 0
}'

{
  "firmName": "string",
  "approvalReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "approvedUntil": "2026-09-25",
  "engagedForFiscalYear": 0
}

{
  "data": {
    "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "firmName": "string",
    "approvalReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "approvedUntil": "2026-09-25",
    "engagedForFiscalYear": 0,
    "current": true
  },
  "description": "Auditor engaged successfully"
}

Responses

Status	When
`200`	Auditor engaged successfully

GET List external auditor engagements

GET /credit-union/{reference}/auditors

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`

Example

Response: GenericResponseListExternalAuditorResponse

curl -X GET "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/auditors" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": [
    {
      "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "firmName": "string",
      "approvalReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "approvedUntil": "2026-09-25",
      "engagedForFiscalYear": 0,
      "current": true
    }
  ],
  "description": "Auditors retrieved successfully"
}

Responses

Status	When
`200`	Auditors retrieved successfully

GET Read compliance breaches

GET /credit-union/{reference}/compliance/breaches

A breach clears by measurement, never by assertion: nobody can mark one resolved, the next monitor run is what clears it. An open breach appears in the period's return, so a clean quarter cannot be reported that was not had.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`

Query parameters

Name	Default
`status`	Optional

Example

Response: GenericResponseListComplianceBreachResponse

curl -X GET "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/compliance/breaches" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": [
    {
      "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "ruleCode": "string",
      "observedValue": 0,
      "threshold": 0,
      "severity": "OBSERVE",
      "status": "OPEN",
      "detectedOn": "2026-09-25",
      "remediationDueOn": "2026-09-25",
      "remediationPlanReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "clearedOn": "2026-09-25",
      "escalatedAt": "2026-09-25T10:00:00Z",
      "escalatedTo": "string",
      "narrative": "string"
    }
  ],
  "description": "Breaches retrieved successfully"
}

Responses

Status	When
`200`	Breaches retrieved successfully

POST Appoint a delegate

POST /credit-union/{reference}/delegate

Recorded from a ratified election naming that member, never granted freely. Voting weight comes from the zone's size where the union weights by zone.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live
`Content-Type`	application/json

Path parameters

Name
`reference`

Example

Request body: AppointDelegateRequest · Response: GenericResponseDelegateResponse

curl -X POST "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/delegate" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV" \
  -H "Content-Type: application/json" \
  -d '{
  "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "electionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "termStartsOn": "2026-09-25",
  "termEndsOn": "2026-09-25"
}'

{
  "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "electionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "termStartsOn": "2026-09-25",
  "termEndsOn": "2026-09-25"
}

{
  "data": {
    "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "memberNumber": "string",
    "zoneReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "zoneCode": "string",
    "electionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "termStartsOn": "2026-09-25",
    "termEndsOn": "2026-09-25",
    "status": "ACTIVE",
    "votingWeight": 0
  },
  "description": "Delegate appointed successfully"
}

Responses

Status	When
`200`	Delegate appointed successfully

GET List delegates

GET /credit-union/{reference}/delegates

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`

Query parameters

Name	Default
`status`	Optional

Example

Response: GenericResponseListDelegateResponse

curl -X GET "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/delegates" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": [
    {
      "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "memberNumber": "string",
      "zoneReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "zoneCode": "string",
      "electionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "termStartsOn": "2026-09-25",
      "termEndsOn": "2026-09-25",
      "status": "ACTIVE",
      "votingWeight": 0
    }
  ],
  "description": "Delegates retrieved successfully"
}

Responses

Status	When
`200`	Delegates retrieved successfully

POST Schedule an election

POST /credit-union/{reference}/election

The module records the result and ties it to a minute; it does not run the ballot. Electronic balloting is a governance product with its own integrity requirements, and half-building it would be worse than not building it.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live
`Content-Type`	application/json

Path parameters

Name
`reference`

Example

Request body: RecordElectionRequest · Response: GenericResponseElectionResponse

curl -X POST "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/election" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV" \
  -H "Content-Type: application/json" \
  -d '{
  "officeReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "meetingType": "GENERAL_MEETING",
  "voterBasis": "MEMBERS",
  "meetingReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "heldOn": "2026-09-25",
  "seatsContested": 0
}'

{
  "officeReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "meetingType": "GENERAL_MEETING",
  "voterBasis": "MEMBERS",
  "meetingReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "heldOn": "2026-09-25",
  "seatsContested": 0
}

{
  "data": {
    "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "officeReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "officeCode": "CHAIRPERSON",
    "meetingType": "GENERAL_MEETING",
    "voterBasis": "MEMBERS",
    "meetingReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "heldOn": "2026-09-25",
    "seatsContested": 0,
    "eligibleVoterCount": 0,
    "votesCast": 0,
    "quorumMet": true,
    "quorumRequired": 0,
    "minuteDocumentReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "status": "SCHEDULED",
    "ratifiedOn": "2026-09-25",
    "candidates": [
      {
        "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "memberNumber": "string",
        "nominatedByPositionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "votes": 0,
        "outcome": "ELECTED"
      }
    ]
  },
  "description": "Election scheduled successfully"
}

Responses

Status	When
`200`	Election scheduled successfully

POST Ratify an election

POST /credit-union/{reference}/election/{electionReference}/ratify

Refused without the signed minute and refused where the meeting was not quorate. An ELECTED office cannot be created without a ratified election naming that person for that seat.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`
`electionReference`

Example

Response: GenericResponseElectionResponse

curl -X POST "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/election/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/ratify" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": {
    "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "officeReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "officeCode": "CHAIRPERSON",
    "meetingType": "GENERAL_MEETING",
    "voterBasis": "MEMBERS",
    "meetingReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "heldOn": "2026-09-25",
    "seatsContested": 0,
    "eligibleVoterCount": 0,
    "votesCast": 0,
    "quorumMet": true,
    "quorumRequired": 0,
    "minuteDocumentReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "status": "SCHEDULED",
    "ratifiedOn": "2026-09-25",
    "candidates": [
      {
        "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "memberNumber": "string",
        "nominatedByPositionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "votes": 0,
        "outcome": "ELECTED"
      }
    ]
  },
  "description": "Election ratified successfully"
}

Responses

Status	When
`200`	Election ratified successfully

POST Record an election result

POST /credit-union/{reference}/election/{electionReference}/result

Quorum is computed from the basis the union actually runs, not asserted. Where the delegate system is on, both the eligible count and the quorum come from delegates, and the basis is recorded so a later audit can tell which was used.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live
`Content-Type`	application/json

Path parameters

Name
`reference`
`electionReference`

Example

Request body: RecordElectionResultRequest · Response: GenericResponseElectionResponse

curl -X POST "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/election/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/result" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV" \
  -H "Content-Type: application/json" \
  -d '{
  "eligibleVoterCount": 0,
  "votesCast": 0,
  "minuteDocumentReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "candidates": [
    {
      "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "nominatedByPositionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "votes": 0
    }
  ]
}'

{
  "eligibleVoterCount": 0,
  "votesCast": 0,
  "minuteDocumentReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "candidates": [
    {
      "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "nominatedByPositionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "votes": 0
    }
  ]
}

{
  "data": {
    "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "officeReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "officeCode": "CHAIRPERSON",
    "meetingType": "GENERAL_MEETING",
    "voterBasis": "MEMBERS",
    "meetingReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "heldOn": "2026-09-25",
    "seatsContested": 0,
    "eligibleVoterCount": 0,
    "votesCast": 0,
    "quorumMet": true,
    "quorumRequired": 0,
    "minuteDocumentReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "status": "SCHEDULED",
    "ratifiedOn": "2026-09-25",
    "candidates": [
      {
        "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "memberNumber": "string",
        "nominatedByPositionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "votes": 0,
        "outcome": "ELECTED"
      }
    ]
  },
  "description": "Election result recorded successfully"
}

Responses

Status	When
`200`	Election result recorded successfully

GET List elections

GET /credit-union/{reference}/elections

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`

Example

Response: GenericResponseListElectionResponse

curl -X GET "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/elections" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": [
    {
      "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "officeReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "officeCode": "CHAIRPERSON",
      "meetingType": "GENERAL_MEETING",
      "voterBasis": "MEMBERS",
      "meetingReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "heldOn": "2026-09-25",
      "seatsContested": 0,
      "eligibleVoterCount": 0,
      "votesCast": 0,
      "quorumMet": true,
      "quorumRequired": 0,
      "minuteDocumentReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "status": "SCHEDULED",
      "ratifiedOn": "2026-09-25",
      "candidates": [
        {
          "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
          "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
          "memberNumber": "string",
          "nominatedByPositionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
          "votes": 0,
          "outcome": "ELECTED"
        }
      ]
    }
  ],
  "description": "Elections retrieved successfully"
}

Responses

Status	When
`200`	Elections retrieved successfully

POST Create an electoral zone

POST /credit-union/{reference}/electoral-zone

Zones aligned to branches or independent is a choice made once at setup, because changing it later is a migration.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live
`Content-Type`	application/json

Path parameters

Name
`reference`

Example

Request body: ElectoralZoneRequest · Response: GenericResponseElectoralZoneResponse

curl -X POST "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/electoral-zone" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV" \
  -H "Content-Type: application/json" \
  -d '{
  "zoneCode": "string",
  "name": "string",
  "branchReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "delegateSeats": 0
}'

{
  "zoneCode": "string",
  "name": "string",
  "branchReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "delegateSeats": 0
}

{
  "data": {
    "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "zoneCode": "string",
    "name": "string",
    "branchReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "delegateSeats": 0,
    "memberCount": 0,
    "delegateCount": 0,
    "active": true
  },
  "description": "Electoral zone created successfully"
}

Responses

Status	When
`200`	Electoral zone created successfully

GET List electoral zones

GET /credit-union/{reference}/electoral-zones

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`

Example

Response: GenericResponseListElectoralZoneResponse

curl -X GET "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/electoral-zones" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": [
    {
      "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "zoneCode": "string",
      "name": "string",
      "branchReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "delegateSeats": 0,
      "memberCount": 0,
      "delegateCount": 0,
      "active": true
    }
  ],
  "description": "Electoral zones retrieved successfully"
}

Responses

Status	When
`200`	Electoral zones retrieved successfully

GET Read the governance compliance report

GET /credit-union/{reference}/governance/compliance

Seats, incompatibilities, terms, term limits, ratified elections, fit-and-proper records, the delegate system and the external auditor. These are the checks nobody runs until an inspection.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`

Query parameters

Name	Default
`asOf`	Optional

Example

Response: GenericResponseGovernanceComplianceResponse

curl -X GET "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/governance/compliance" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": {
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "asOf": "2026-09-25",
    "compliant": true,
    "checksRun": 0,
    "checksFailed": 0,
    "checks": [
      {
        "code": "BOARD_SEATS_FILLED",
        "outcome": "PASS",
        "narrative": "string",
        "observed": 0,
        "expected": 0
      }
    ]
  },
  "description": "Governance compliance retrieved successfully"
}

Responses

Status	When
`200`	Governance compliance retrieved successfully

GET Read a member's seniority tier

GET /credit-union/{reference}/member/{positionReference}/tier

Derived, never assigned, and it can go down. A downgrade never reprices a live loan because the loan carries the terms frozen onto it. The member is told exactly what the next rung needs rather than left to guess.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`
`positionReference`

Example

Response: GenericResponseMemberTierResponse

curl -X GET "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/member/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/tier" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": {
    "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "memberNumber": "string",
    "tier": "BRONZE",
    "evaluatedOn": "2026-09-25",
    "nextTier": "BRONZE",
    "missingForNextTier": [
      "string"
    ],
    "monthsOfMembership": 0,
    "shareUnits": 0,
    "depositBalance": 0,
    "worstDelinquencyInWindow": "string"
  },
  "description": "Member tier retrieved successfully"
}

Responses

Status	When
`200`	Member tier retrieved successfully

POST Assign or move a member's zone

POST /credit-union/{reference}/member/{positionReference}/zone/{zoneReference}

Every member belongs to exactly one zone, and moving between them is explicit.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`
`positionReference`
`zoneReference`

Example

Response: GenericResponseElectoralZoneResponse

curl -X POST "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/member/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/zone/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": {
    "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "zoneCode": "string",
    "name": "string",
    "branchReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "delegateSeats": 0,
    "memberCount": 0,
    "delegateCount": 0,
    "active": true
  },
  "description": "Member assigned to zone successfully"
}

Responses

Status	When
`200`	Member assigned to zone successfully

PUT Set a prudential rule

PUT /credit-union/{reference}/prudential-rule

Supersedes the rule in force rather than editing it, so a ratio reported as met last quarter can still be read against the threshold that applied then. The seeded figures are a shape; the numbers must come from the regulator.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live
`Content-Type`	application/json

Path parameters

Name
`reference`

Example

Request body: UpsertPrudentialRuleRequest · Response: GenericResponsePrudentialRuleResponse

curl -X PUT "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/prudential-rule" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV" \
  -H "Content-Type: application/json" \
  -d '{
  "ruleCode": "SINGLE_BORROWER_LIMIT",
  "comparator": "AT_LEAST",
  "thresholdBasisPoints": 0,
  "thresholdAmount": 0,
  "enforcement": "BLOCK",
  "effectiveFrom": "2026-09-25",
  "disclosureText": "string"
}'

{
  "ruleCode": "SINGLE_BORROWER_LIMIT",
  "comparator": "AT_LEAST",
  "thresholdBasisPoints": 0,
  "thresholdAmount": 0,
  "enforcement": "BLOCK",
  "effectiveFrom": "2026-09-25",
  "disclosureText": "string"
}

{
  "data": {
    "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "ruleCode": "SINGLE_BORROWER_LIMIT",
    "comparator": "AT_LEAST",
    "thresholdBasisPoints": 0,
    "thresholdAmount": 0,
    "enforcement": "BLOCK",
    "countryCode": "string",
    "effectiveFrom": "2026-09-25",
    "effectiveTo": "2026-09-25",
    "disclosureText": "string"
  },
  "description": "Prudential rule set successfully"
}

Responses

Status	When
`200`	Prudential rule set successfully

GET Read the prudential rules in force

GET /credit-union/{reference}/prudential-rules

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`

Example

Response: GenericResponseListPrudentialRuleResponse

curl -X GET "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/prudential-rules" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": [
    {
      "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "ruleCode": "SINGLE_BORROWER_LIMIT",
      "comparator": "AT_LEAST",
      "thresholdBasisPoints": 0,
      "thresholdAmount": 0,
      "enforcement": "BLOCK",
      "countryCode": "string",
      "effectiveFrom": "2026-09-25",
      "effectiveTo": "2026-09-25",
      "disclosureText": "string"
    }
  ],
  "description": "Prudential rules retrieved successfully"
}

Responses

Status	When
`200`	Prudential rules retrieved successfully

GET Read the quorum basis

GET /credit-union/{reference}/quorum

The basis, the eligible count and what quorum requires. Once membership crosses the threshold with the delegate system off, this says so - the module warns, it never switches the system on, because that needs a bye-law amendment.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`

Example

Response: GenericResponseQuorumResponse

curl -X GET "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/quorum" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": {
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "basis": "MEMBERS",
    "eligibleVoterCount": 0,
    "quorumRequired": 0,
    "quorumBasisPoints": 0,
    "delegateSystemEnabled": true,
    "delegateSystemRequired": true,
    "memberCount": 0,
    "delegateCount": 0
  },
  "description": "Quorum retrieved successfully"
}

Responses

Status	When
`200`	Quorum retrieved successfully

GET Read the delinquency and PAR report

GET /credit-union/{reference}/report/delinquency

The book by bucket, with the provision held against each and PAR-30/PAR-90.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`

Query parameters

Name	Default
`asOf`	Optional

Example

Response: GenericResponseDelinquencyReportResponse

curl -X GET "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/report/delinquency" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": {
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "currencyCode": "string",
    "asOf": "2026-09-25",
    "totalPortfolio": 0,
    "totalProvisions": 0,
    "portfolioAtRiskThirtyBasisPoints": 0,
    "portfolioAtRiskNinetyBasisPoints": 0,
    "buckets": [
      {
        "bucket": "CURRENT",
        "loanCount": 0,
        "outstandingPrincipal": 0,
        "provisionHeld": 0,
        "provisionPercent": 0,
        "shareOfPortfolioBasisPoints": 0
      }
    ]
  },
  "description": "Delinquency report retrieved successfully"
}

Responses

Status	When
`200`	Delinquency report retrieved successfully

GET Read the exposure report

GET /credit-union/{reference}/report/exposure

Single borrower, connected group and insider, at three levels. The connected group includes what its members have accepted as guarantors, which is usually the largest term and the one a single-borrower limit misses.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`

Query parameters

Name	Default
`asOf`	Optional

Example

Response: GenericResponseExposureReportResponse

curl -X GET "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/report/exposure" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": {
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "currencyCode": "string",
    "asOf": "2026-09-25",
    "coreCapital": 0,
    "totalPortfolio": 0,
    "singleBorrowers": [
      {
        "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "memberNumber": "string",
        "ownOutstandingPrincipal": 0,
        "guaranteeLiability": 0,
        "totalExposure": 0,
        "connectedPositionCount": 0,
        "exposureBasisPointsOfCapital": 0,
        "limitBasisPoints": 0,
        "withinLimit": true,
        "insider": true
      }
    ],
    "connectedGroups": [
      {
        "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "memberNumber": "string",
        "ownOutstandingPrincipal": 0,
        "guaranteeLiability": 0,
        "totalExposure": 0,
        "connectedPositionCount": 0,
        "exposureBasisPointsOfCapital": 0,
        "limitBasisPoints": 0,
        "withinLimit": true,
        "insider": true
      }
    ],
    "insiders": [
      {
        "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "memberNumber": "string",
        "ownOutstandingPrincipal": 0,
        "guaranteeLiability": 0,
        "totalExposure": 0,
        "connectedPositionCount": 0,
        "exposureBasisPointsOfCapital": 0,
        "limitBasisPoints": 0,
        "withinLimit": true,
        "insider": true
      }
    ],
    "aggregateInsiderExposure": 0,
    "breachCount": 0
  },
  "description": "Exposure report retrieved successfully"
}

Responses

Status	When
`200`	Exposure report retrieved successfully

GET Read the prudential dashboard

GET /credit-union/{reference}/report/prudential

Every rule, its observed value and its headroom, whether or not it bites. A rule the snapshot cannot answer says so rather than reading as met, and the dashboard says whether it was measured at all.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`

Query parameters

Name	Default
`asOf`	Optional

Example

Response: GenericResponsePrudentialDashboardResponse

curl -X GET "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/report/prudential" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": {
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "currencyCode": "string",
    "asOf": "2026-09-25",
    "snapshot": {
      "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "snapshotOn": "2026-09-25",
      "currencyCode": "string",
      "basis": "COMPUTED",
      "totalAssets": 0,
      "totalDeposits": 0,
      "shareCapital": 0,
      "coreCapital": 0,
      "institutionalCapital": 0,
      "liquidAssets": 0,
      "shortTermLiabilities": 0,
      "loanPortfolio": 0,
      "provisions": 0,
      "portfolioAtRiskThirty": 0,
      "portfolioAtRiskNinety": 0,
      "memberCount": 0,
      "activeLoanCount": 0
    },
    "rules": [
      {
        "ruleCode": "SINGLE_BORROWER_LIMIT",
        "enforcement": "BLOCK",
        "satisfied": true,
        "observedValue": 0,
        "threshold": 0,
        "headroom": 0,
        "narrative": "string",
        "measurable": true
      }
    ],
    "openBreaches": [
      {
        "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "ruleCode": "string",
        "observedValue": 0,
        "threshold": 0,
        "severity": "OBSERVE",
        "status": "OPEN",
        "detectedOn": "2026-09-25",
        "remediationDueOn": "2026-09-25",
        "remediationPlanReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
        "clearedOn": "2026-09-25",
        "escalatedAt": "2026-09-25T10:00:00Z",
        "escalatedTo": "string",
        "narrative": "string"
      }
    ],
    "rulesEvaluated": 0,
    "rulesBreached": 0,
    "measured": true
  },
  "description": "Prudential dashboard retrieved successfully"
}

Responses

Status	When
`200`	Prudential dashboard retrieved successfully

POST Write today's snapshot

POST /credit-union/{reference}/snapshot

A ratio that has to hold daily needs a daily series. Every period return and every ratio reads the snapshot rather than recomputing history, because a back-dated correction would silently change a ratio that was reported as met on the day.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`

Query parameters

Name	Default
`asOf`	Optional

Example

Response: GenericResponseUnionSnapshotResponse

curl -X POST "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/snapshot" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": {
    "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "snapshotOn": "2026-09-25",
    "currencyCode": "string",
    "basis": "COMPUTED",
    "totalAssets": 0,
    "totalDeposits": 0,
    "shareCapital": 0,
    "coreCapital": 0,
    "institutionalCapital": 0,
    "liquidAssets": 0,
    "shortTermLiabilities": 0,
    "loanPortfolio": 0,
    "provisions": 0,
    "portfolioAtRiskThirty": 0,
    "portfolioAtRiskNinety": 0,
    "memberCount": 0,
    "activeLoanCount": 0
  },
  "description": "Snapshot written successfully"
}

Responses

Status	When
`200`	Snapshot written successfully

GET List fit-and-proper records

GET /credit-union/{reference}/suitability

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live

Path parameters

Name
`reference`

Example

Response: GenericResponseListSuitabilityRecordResponse

curl -X GET "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/suitability" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV"

{
  "data": [
    {
      "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "heldByUserReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "memberNumber": "string",
      "officeCode": "CHAIRPERSON",
      "assessmentType": "SELF_DECLARATION",
      "outcome": "PASSED",
      "assessedOn": "2026-09-25",
      "expiresOn": "2026-09-25",
      "documentReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
      "assessorName": "string",
      "current": true
    }
  ],
  "description": "Suitability records retrieved successfully"
}

Responses

Status	When
`200`	Suitability records retrieved successfully

POST Record a fit-and-proper assessment

POST /credit-union/{reference}/suitability

The module does not perform the assessment. It records who did, what they concluded and when it expires, and an expiring record warns like an expiring term.

Headers

Name	Notes
`Authorization`	Bearer token
`X-Tenant`	Your tenant
`X-Environment`	test or live
`Content-Type`	application/json

Path parameters

Name
`reference`

Example

Request body: RecordSuitabilityRequest · Response: GenericResponseSuitabilityRecordResponse

curl -X POST "https://api.bridgemoni.com/credit-union/b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e/suitability" \
  -H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
  -H "X-Tenant: $BRIDGEMONI_TENANT" \
  -H "X-Environment: $BRIDGEMONI_ENV" \
  -H "Content-Type: application/json" \
  -d '{
  "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "officeCode": "CHAIRPERSON",
  "assessmentType": "SELF_DECLARATION",
  "outcome": "PASSED",
  "assessedOn": "2026-09-25",
  "expiresOn": "2026-09-25",
  "documentReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "assessorName": "string"
}'

{
  "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "officeCode": "CHAIRPERSON",
  "assessmentType": "SELF_DECLARATION",
  "outcome": "PASSED",
  "assessedOn": "2026-09-25",
  "expiresOn": "2026-09-25",
  "documentReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
  "assessorName": "string"
}

{
  "data": {
    "reference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "unionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "positionReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "heldByUserReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "memberNumber": "string",
    "officeCode": "CHAIRPERSON",
    "assessmentType": "SELF_DECLARATION",
    "outcome": "PASSED",
    "assessedOn": "2026-09-25",
    "expiresOn": "2026-09-25",
    "documentReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
    "assessorName": "string",
    "current": true
  },
  "description": "Suitability recorded successfully"
}

Responses

Status	When
`200`	Suitability recorded successfully

Generated from the OpenAPI document. Branch on the HTTP status: there is no machine-readable error code on the wire. Errors