# Ncontracts Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Ncontracts the right Risk Management solution for you? Explore 155 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/233877/Ncontracts/reviews --- Ncontracts 4.6 (155) [View alternatives](https://www.capterra.com/p/233877/Ncontracts/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of Ncontracts Ease of use 4.3 Customer Service 4.9 ## Pros and Cons in Reviews WN Whitney N Lending Compliance SpecialistBanking, 201 - 500 employeesUsed the software for: More than 2 years. “This makes HMDA scrubbing an easier process and assures that you are reporting correctly.“ May 23, 2025 BK Britney K Executive Vice PresidentBanking, 11 - 50 employeesUsed the software for: More than 2 years. “NContracts costs compared to some other solutions is higher, There is some issues within the program that make it harder for a small institution to utilize. “ September 12, 2024 SR Susan R EVP Chief Compliance Officer CRA Officer Audit LiaisonBanking, 51 - 200 employeesUsed the software for: More than 2 years. “They provide automated solutions to our compliance needs which saves much time.“ May 15, 2024 KM Karl M EVPFinancial Services, 501 - 1,000 employeesUsed the software for: 1-2 years. “We had issues integrating its authentication system to our SSO solution. “ April 8, 2025 DM Danny M PresidentFinancial Services, Self-employedUsed the software for: I used a free trial. “Helped meeting go fast by providing materials to members ahead of time.“ May 15, 2024 LD Lisa D General CounselFinancial Services, 51 - 200 employeesUsed the software for: 1-2 years. “It's a shame because their (acquired) Venminder vendor risk management product is good.“ July 14, 2025 KM Karl M EVPFinancial Services, 501 - 1,000 employeesUsed the software for: 1-2 years. “It is feature-rich and very customizable to tailor to our needs.“ April 8, 2025 ML Matt L VP, Information Security OfficerBanking, 51 - 200 employeesUsed the software for: 6-12 months. “Decent vendor review service but a lot of 3rd party vendors won't allow Ncontracts-type companies from requesting due diligence documentation so you end up having to do it yourself anyway.“ April 2, 2024 ## Showing most helpful reviews Showing 1-25 of 155 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Burke T. Information Technology Specialist Banking Used the software for: 6-12 months ### "Terrific software with an even better support team behind it!" April 23, 2021 5.0 The highlight of using OnSemble has been the team at Passageways. \[SENSITIVE CONTENT HIDDEN\] was an absolutely invaluable resource and helped solve virtually every one of our business needs and "wins" we wanted for launch. She was full of ideas for solving problems and made herself very available for assistance. On the support side, \[SENSITIVE CONTENT HIDDEN\] has also proved to be a massive help and great resource. Always willing to help and fixed our tickets in a very quick timeframe. The people and team alone make OnSemble a great choice! Pros This product is very easy to get set up, using a mixture of basic HTML and drop-n-drag elements to build pages in minutes. It's definitely feasible to build out a department in minutes and hours, through a pretty user friendly interface. You also don't have to sacrifice a lot of control for the ease of use, as you can easily code in what's needed, or can adjust templates on the fly. It allows a ton of customization as well, which gives your team a lot of options for set up and functionality. There's also a lot of features included in the price, which really raises the value when comparting to similar options. Cons Our issues mostly have been with some of the specific modules called "islands". Some are more robust than others, and we were not able to replicate everything that we wanted given some restraints of the islands. They also prove to be difficult to work with in a few cases. Calendars, for example, offers some nice features but has some quirks that has prevented us from utilizing it for the whole organization. That being said, these islands get updated and changed over time, so some of our issues could get fixed. Alternatives considered [Intranet Connections](https://www.capterra.com/p/17115/IC-Thrive/)[Jostle](https://www.capterra.com/p/130784/Jostle/)[ThoughtFarmer](https://www.capterra.com/p/144958/ThoughtFarmer/) Review Source JL Jack L. Network Administrator Financial Services Used the software for: 6-12 months ### "Great intranet software" November 13, 2019 4.0 Positive, It's a really nice intranet software with a small profile. Pros The simplicity (once the project team gets you on your feet) is much better than alternatives. We switched from Sharepoint because of the administrative overhead. Cons The lack of features compared to Sharepoint. I would have liked for there to be SQL reports accessible through the intranet like sharepoint. Switched from [Microsoft SharePoint](https://www.capterra.com/p/1167/SharePoint/) Administrative overhead of Sharepoint.. too complicated. Review Source Response from Ncontracts November 14, 2019 Thank you for taking the time to review OnSemble! I'm so glad that things are much easier after making the switch and that you think it's going well. I will be sure to ask about SQL reporting. If you need any help, please let us know. SR Samantha R. Learning & Development Manager Banking Used the software for: 2+ years ### "Passageways Employee Intranet" December 20, 2019 3.0 OnSemble has been a great one stop shop resource for our staff. We’ve streamlined several processes and reduced the amount of email received. It’s created a fun environment for our staff. Pros Continual updates. We’ve been using Passageways for a long time but hadn’t kept up with upgrades. Upon relaunch, we were happy to be able to take advantage of many enhancements that have been provided along the way. Cons There are things that could be streamlined with building tools and roles/permissions. Sometimes, the site is buggy. Review Source Response from Ncontracts January 6, 2020 Thank you for taking the time to review OnSemble! We definitely appreciate that you've been a long-time customer. Continual updates will definitely be something that is important to us in 2020, so you can look forward to a more streamlined portal. SC Sean C. Digital Channel Officer Financial Services Used the software for: 6-12 months ### "Loving our new intranet" March 18, 2020 5.0 Pros The modules and islands. Not only can you choose your site's functionality, but the options on a single content page allowed us to reconfigure our navigation and provide more useful content per page. Cons Not much of anything bad to say. The platform works smoothly, is a huge improvement over our previous platform, and the support is spectacular. Reason for choosing Ncontracts Functionality, modular building blocks, simple interface Switched from [CSI](https://www.capterra.com/p/136671/CSI/) CSI platform had limited functionality, plus their search feature vendor went out of business so we lost a major functionality for nearly a year. Review Source RS Rebecca S. Junior Associate Management Consulting Used the software for: 1-2 years ### "OnSemble Customer Service is fantastic" March 30, 2020 4.0 The customer service has always been amazing. The Team is always there to reply and help as quickly as possible. \[SENSITIVE CONTENT HIDDEN\] in particular is an all-star who goes above and beyond what it takes to get stuff done. We're really appreciated having her work on our file. Pros I like that you are able to restrict access to different parts of your Portal. This is a wonderful customization feature that allows us to connect with users in different ways. Cons The back-end can be restrictive when trying to design pages. I also wish that it was easier to move documents around from folder to folder and that the folder icons were larger. Alternatives considered [OnBoard](https://www.capterra.com/p/179015/OnBoard-Board-Portal/) Reason for choosing Ncontracts We needed a platform that wasn't only for Boards, but was also good for building customized Intranets. Review Source Misty W. Compliance and Quality Control Manager Financial Services Used the software for: 1-2 years ### "Easy to use platform and great customer service" April 5, 2023 5.0 We have an excellent working relationship with NContracts and their team. They consistently provide us knowledge and solutions to our ever changing environment in the financial industry. Pros NContracts provides services for our HMDA, Fair Lending and Red Lining data. It is easy to import our annual information and review where we have been versus where we want to go. The reporting is comprehensive. We can utilize filters to drill down in findings, as applicable. NContracts gives us valuable insight into what we do versus our peers using dialogue and graphs. We can ask questions at any time with confidence that the customer service will be responsive had helpful. Cons We are assigned an annual review with an analyst. Sometimes I am unsure which questions I should ask to utilize this built-in with our contract. It would be great to have an annual review with a template of suggested material to cover or learn about. Reason for choosing Ncontracts NContracts has helped us collect and review data with HMDA, Fair Lending and Red Lining. We can document and report information to our auditors in a timely fashion. The resource allows us to be introspective in review and challenges us to be better in our field. It is an affordable option backed by great minds and customer service. Review Source Floyd A. Visual Communications Designer Financial Services Used the software for: 6-12 months ### "An Onsemble Ambassador" November 7, 2018 5.0 The overall experience has been amazing as indicated above. But the lion share of my praise goes to the Implementation Manager. Without her I highly doubt that our Portal would have launched or without a doubt significantly delayed. Her knowledge base of the Onsemble platform and her attention to detail is astounding. As much as I get praised for creating an immersive Intranet, I know it's partly due to her support. She's an asset to the Passageways Organization...and to our team. The support team is nothing like I have ever experienced. Their response time and follow through is indeed a standard for the industry of IT support, this deserves 100% not 99% satisfaction. Pros Wow!... I can spend literally hours writing about my extreme satisfaction with the team and the software. It has allowed our organization to experience another level of engagement with our staff. The ease of use and the “drag and drop” design feature has also allowed a team of 2 to be nimble, with the results and appearance of a team of 10. Our Executive leadership team believes transparency is the currency of leadership and the Onsemble platform has afforded them the opportunity to live out this value. From just- in-time information, thoughts on upcoming and/or current changes, future business strategies and recorded quarterly messages. This software has been and a catalyst to our increased employee engagement scores. We've only been 'live' for 6 months! Cons A missing mobile platform and the non responsiveness to different screens for the desktops version. Review Source Response from Ncontracts September 5, 2019 Thank so much for taking the time to review OnSemble! I'm thrilled to hear that there are no issues. As for responsiveness and mobile, we are actively working on that. If you need anything in the meantime, let us know. Tanja H. Marketing Specialist Banking Used the software for: 6-12 months ### "Can be both functional and beautiful, with assistance." December 4, 2019 4.0 \[SENSITIVE CONTENT HIDDEN\] really saved us through implementation. There's so much to learn with the portal and she holds all of that knowledge in her head and was gracious enough to share it with us through countless meetings. Pros I love the abundance of modules that we can use that streamlines processes. We've implemented help desks throughout many departments in our organization which has helped speed up requests and allow the ability to track tickets. And, when it doubt, it's nice to have the PTE island to be able to customize how we wish. Cons Our organization cares a lot about things looking nice - and unfortunately, the drag & drop functionality doesn't inherently look 'pretty' without a bit of work. We had to do a few workarounds to get the site to be responsive and oftentimes need to pop into the HTML code, which many average users aren't familiar with. Also, the calendar doesn't work well for signing up for events like volunteer opportunities and is extremely difficult to report on. I've already submitted a feature enhancement request for this. Reason for choosing Ncontracts The product was presented to us as very easy to use. We also plan to utilize permissions extensively in phase two. Review Source Response from Ncontracts December 16, 2019 Thank you for taking the time to review OnSemble! I know there can definitely be a large learning curve with the software, but I'm glad you are reaching out and that you are enjoying your portal. Please continue to submit those feature requests. Cheryl H. Chief Operating Officer Banking Used the software for: 2+ years ### "Great integration of modules" April 5, 2023 5.0 Pros Modules integrate together to share information. Centralized storage for important information that is easily accessible outside the bank, especially in times of need. Cons So much capability that it is hard to take advantage of everything it has to offer and use it to its fullest potential. Review Source Michael M. Communications Specialist Financial Services Used the software for: 2+ years ### "Intuitive solutions at your fingertips" December 4, 2020 5.0 A great company to work with! Wonderful people from the ground up. The updates and advancements of this product over our relationship period has been fun to watch and clearly helps us to understand the value of our investment. Pros How easy the portal itself is to use and the complete support package Passageways and their teams offer. Cons The number of features and back-end options can be a bit cumbersome. Review Source KG Kelsey G. Corporate Trainer Financial Services Used the software for: 2+ years ### "OnSemble is a great intranet for users and administrators" April 13, 2021 4.0 Overall it has been a great system. For instance, we are able to put all forms and how-to guides on the intranet so staff can easily access it. We have also been able to put our entire Procedures Manual on our intranet. This has allowed us to save on paper for printing such a large document. Also, when changes are made to procedures we can quickly and easily update and then let our staff know so they can find it. Pros There are many things that I like about this system. I think the freedom to customize the entire intranet is what I like best. Having a lot of control to move things, create things, change colors, etc. means that we can create an intranet to fit the needs of our company. Cons The biggest con I have about OnSemble is that you really need to understand HTML codes to be able to do a lot of cool and up-to-date things. There are very basic things that you can do with the system, but if you want it to look really fancy and exciting you are going to need to get your IT team involved. Review Source MW Misty W. Compliance and Quality Control Manager Financial Services Used the software for: 2+ years ### "Great Support - User Friendly!" April 2, 2024 5.0 We have had a great working relationship with NContracts. They have experienced staff that understand what we try to achieve and help us get positive results from our efforts. Pros We moved from Excel spreadsheets to the NContracts portal. Wow! Our data is easy to upload and analyze both. We get fantastic reports that we utilize in executive meetings, audits and internal reviews. We have excellent support from the staff any time we have a question. Implementation was a breeze. We were up and running in a couple of weeks. Cons I do not think we utilize the portal to it's full abilities. It can do much more then I ask! Review Source AB Anthony B. System Support Analyst II Banking Used the software for: 2+ years ### "ASB " June 25, 2021 4.0 The overall experience with OnSemble and the team has been positive. Our CSM's have been responsive and the tech team grabs our tickets and answers right away. The product is easy to use with relatively little training. Pros Announcements, calendar and discussions are the most beneficial parts of the software for use. They help with our communication need. As one of the Admins I like the PTE islands and that I can write in HTML to impact the page. Cons I would like to see improvement to sign ups on the calendar. Currently when limiting events it still allows users to sign up. It would be nice to give them notice (other than email) that it is full. Or create a new island that can be used as a sign up sheet. The framework is also boxy. It would be nice to have other shapes to the islands. Review Source CB Chondrea B. FVP - Credit and Compliance Banking Used the software for: 2+ years ### "Necessary Resource" April 3, 2024 5.0 My overall experience with NContracts has been superb! It's been a necessary resource for our bank. Pros Customer Service is very responsive and the ability to have a one on one consult twice a year with an expert is awesome! Cons Initially understanding the system and what the information was telling me was overwhelming. However having great customer service made that easier over time. Review Source JC Jonathan C. Project Specialist Financial Services Used the software for: 1-2 years ### "Always ask for assistance if needed" December 11, 2020 4.0 Overall, Onsemble can deliver what you are looking for. I would not classify them as top tier yet, but if things keep improving then I may change my mind. Tech support is the best system support I have dealt with in my professional career. Their response time is fast and I know anyone that has an issue with the portal appreciates that. Pros I was thrown into our portal from day 1 and had to learn how to access a lot of it on my own and by attending the annual Passageways conference. It is safe to say, I feel a lot more comfortable now than I did 2 years ago. Something may break, but tech support does an amazing job of reaching out and resolving it for you. If the problem cannot be resolved through email, they have no issue with hopping on a call with you to resolve it. Cons We are not on the most updated version right now. However, going forward I feel that the portal could use a more modern look to it. We have run into a couple issues of not being able to do something exactly the same way in Chrome as we can do in Internet Explorer, which is not a huge deal, but can be inconvenient for staff at times. Reason for choosing Ncontracts I was not on the implementation team, but I know cost played a big factor in why we selected Passageways. Review Source CC Chip C. CTO Banking Used the software for: 2+ years ### "Ncontracts supports our business woth robust features and support" April 10, 2024 5.0 Pros The platform is easy to configure while providing some degree of flexibility to allow us to adapt to changes or custom fields needed for reporting. The integration between modules is very good which prevents our team from re-keying redundant information. Their support and training is also far superior than most other technology providers. Cons Initial configuration, while not difficult, does take some time to enter all of the necessary information. While much of the informational fields are not required, they are needed if you truly want the full benefit of the product. Review Source BM Bopha M. Executive Assistant Banking Used the software for: 6-12 months ### "Easy to Use" October 27, 2020 4.0 I generally have a good experience with this software and the support team. This software is a very easy to use product with many useful "ready-made" modules, and "drag-and-drop" features that are great for jumpstarting an intranet site. The "Customer Success Managers" and the customer service team are supportive, helpful and proactive when trying to assist their clients. However, while the software allows for a lot of control in some regard, it does not allow control in others; for example, the look and feel of certain modules cannot easily be modified. The ease of certain aspects of the software seems to limit control over other aspects. Pros The drag and drop features are an incredibly useful feature. Many of the "ready-made" modules seem to be developed with "best practice" in mind and takes a lot of the work out when trying to rebuild an intranet site, especially for a novice (such as myself). The most recent software updates featuring "structures" have made modifications to the websites much easier as well. The software is continually being updated with its customer's feedback in mind. It can be setup to have access to active directory. This software allows for a lot of control and various ways to utilize its available features. Cons Certain aspects of the "look and feel" of the modules cannot be modified. For example, the font size of labels for sections of some modules cannot be changed. Parts of some modules seem outdated, for example the messaging board could be updated to have features such as "@" to tag a user. For some older modules, the look and feel seem outdated. The mechanism for the alerts features is not as easy to navigate as some of their other features. Review Source RM Rebekah M. Director of Marketing & Product Management Financial Services Used the software for: 2+ years ### "Great Support" October 11, 2018 5.0 We were trying to reduce paperwork and create a portal that was useful for every department in their everyday jobs, removing things off of network drives and organizing them in Onsemble. We love our new portal. Pros We've been Passageways customers for more than 10 years now and recently revamped our internal portal with the most recent version of OnSemble. Our customer support representative was very helpful and we really felt like Passageways was as invested in this project as we were. They will often get on phone calls with us to resolve questions and issues same-day or within a few hours. We always felt like we were a priority to them. Cons OnSemble is really a blank slate - you can do almost anything with it. You really have to have a vision for what you want the site to be and how you want it to be organized in order to be successful with this product. If you do, it's really customizable. If not, you can certainly have Passageways assist you in designing something, but you really have to know what you want and how you want it to be organized for your organization. Review Source Response from Ncontracts September 6, 2019 Thank you for taking the time to review OnSemble! I'm glad to hear how it's improving communication across the board. If you ever feel like you are in need of additional training or have additional ideas you want to implement, let us know! RP Ryan P. Project Resource Officer Banking Used the software for: 2+ years ### "Outstanding Customer Service" February 25, 2019 5.0 We want to use the intranet portal to connect with our employees across San Antonio, provide support and answers to their member service requests, and show how their roles tie into our larger mission as a credit union. OnSemble has allowed us to do that. We have all of our resources and procedures posted in a searchable format. We highlight recognition and team photos to help everyone feel the "team" environment, and offer opportunities to participate in community events. The OnSemble portal has been a key part to delivering on these goals, and the team at OnSemble was incredibly supportive to us making this possible! Pros What I like most is the outstanding customer service behind the software. The people at Passageways go above and beyond to help you and make sure that you're happy. We have been long-time customers and they went out of their way to help us with a re-design of our portal, asking nothing in return. I am new to my role and I had not worked with them before, but they didn't mind my endless amount of questions! They were truly on our side and wanted the project to succeed. Cons Nothing! I can't think of one thing I do not like... Review Source Response from Ncontracts September 5, 2019 Thank you for taking the time to review OnSemble! I'm so glad things are going well for you. I will definitely pass along the great feedback to our Customer Success and Support teams as well. JK Jamie K. Chief Compliance Officer Banking Used the software for: 2+ years ### "You get More than what you pay for with Ncontracts." April 21, 2021 5.0 Great vendor to work with. Has helped with more than we could have expected. Always willing to answer questions about the software or make necessary enhancements. We started using just Nvendor about 10 years ago and has now turned into pretty much the whole suite of products. We also used QuestSoft for Fair Lending, CRA, and HMDA, which was recently acquired by Ncontracts. That vendor was also great to work with. But the future abilities that they have in the works for those products is going to be great. Pros The ease of use with the software and ability to integrate with what we currently use. Training is top notch, but it helps that the software is user friendly. Cons The only downfall that we are having is the single sign-on. We are still having trouble implementing that piece into our intranet to get the Complaint button to work. Alternatives considered [Venminder](https://www.capterra.com/p/132271/Venminder/) Review Source MH Mark H. VP of ERM and Internal Audit Financial Services Used the software for: 1-2 years ### "Flexible and Easy to use" December 14, 2021 5.0 Very large time savings for all GRC based processes. Pros We were up and running within a week of first logging in, it is so easy to use and maintain. It is also very flexible in how you can use different features within many modules. Cons I think improving the integration between modules would be great. What is connected is very useful, but integrating them further would really bring it all together well. Review Source JS Julie S. Learning & Development Coordinator Financial Services Used the software for: 2+ years ### "Relaunching and using new features!" December 4, 2019 5.0 With our re-launch, we have been able to re-organize all of our company training resources, guarantee consistency across documents by running them through the portal, and a great way to know everyone across the organization. Pros As new versions come out, the ability to design beautiful pages gets easier and easier. It's a great way to keep our company organized and for staff to be able to find resources that they use daily quickly and efficiently. It's also a great way to promote employee engagement! Cons There are some funny quirks in some of the aps that come with the portal, and sometimes it's hard to know if it's a design flaw or a bug in a new version. Review Source Response from Ncontracts December 16, 2019 Thank you for taking the time to review OnSemble! I'm glad things are getting easier for you and that your employees are enjoying it as well. That's good feedback, and be sure to bring those up to your Customer Success Manager when you spot them. CC Curtis C. Programmin Analyst Banking Used the software for: 2+ years ### "Easy to Use" July 19, 2018 5.0 Consistency of information for staff. That sounds simple. We had 5+ offices using different versions of the same process and only one was using the correct version. It created nightmares of auditing and review. Having a one-stop-shop for ALL policies, procedures, etc. has saved us countless hours of addressing inconsistencies. It also makes training easier. This is just one simple use that has made a huge impact. The numerous other uses are a bonus. Pros I like that there is one place for staff to get everything. It keeps everyone up to date and creates consistency. Everyone has the same information - procedures - forms - etc. Cons If you don't plan on how you are going to use the program well, then you'll need re-design or other maintenance. It is best to put extra effort into the initial stages. Otherwise, some processes can be clunky or items buried and hard to find. Review Source Response from Ncontracts September 6, 2019 Thank you for taking the time to review OnSemble! I'm glad to hear how it's improving communication across the board. If you ever feel like you are in need of additional training or for any new team members, let us know! TC TROY C. Compliance Officer Banking Used the software for: 2+ years ### "It keeps getting better" April 19, 2021 5.0 Since we started using Ncontracts we have had 5 successful exam cycles using Nvendor, Ncontracts, Nrisk, & Ncontinuity. The support team are second to none, they are high performing peers plucked out of their prior professional positions and placed into well targeted roles where they excel in offering service to folks like myself. They hire right and it shows. Pros It keeps getting better, if the development team gets an idea that will improve the software or provide an efficiency it will likely be implemented. Software improvements are provided to Ncontracts users on-the-fly. The agile system architecture & development team provide the most complete and connected software products available on the market. The seamless integrated flow of information from one product to another sure is a time saver! Cons Currently, do not have anything to add. Our needs for these products are being met. Reason for choosing Ncontracts Integration of components cause the flow of information to move seamlessly from one product to another where needed. Save time= save money, no need to complete redundant input of information that is already on the system. Love it! Review Source SK Shaylan K. Appliaction Technician Information Technology and Services Used the software for: 2+ years ### "OnSemble Review" February 27, 2019 4.0 I have been working with OnSemble for years and overall have a good experience with the system. Pros I like that there are so many different modules within the system. It's ability to do so many different things on one "website". Cons Although many improvements have been made to the newest version sometimes it does still feel a little clunky. It would be nice if they were able to develop it into a more modern system that allows users (that don't know a whole lot about web design) to be able to create a modern looking site for their institution. Example:Wix.com Review Source Response from Ncontracts September 5, 2019 Thank you for taking the time to review OnSemble! I'm glad you are happy with the more recent improvements, and we are working towards others. If you need anything or help creating a page, our team is more than happy to assist. Similar Products Featured ## Related categories [Contract Management](https://www.capterra.com/contract-management-software/)[Governance, Risk and Compliance (GRC)](https://www.capterra.com/grc-software/)[Board Management](https://www.capterra.com/board-management-software/) ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.