We’ll Do Your Interest Rate Risk Analysis

You Manage Your Credit Union!





High-Quality Service, Extensive Client Support at a cost-effective price

Independent ALM Modeling Process


Expert, comprehensive, review of your complete ALM process including best practice, value added solutions



We offer comprehensive ALM training to clients and their boards and ALCO’s at no additional cost.

Upcoming Webinars

CECL Overview and What To Be Considering Now

Wednesday, March 14, 2018 12:00 MST CECL adoption may still seem far away, but there are steps that you need to begin now. In this webinar, we will provide a CECL overview, look at the current environment, discuss what you should be doing now, and considerations in determining a solution that is right for your credit union.

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During this webinar, we will explore Net Economic Value (NEV) and discover why the value of assets and liabilities does not always reflect their Economic Value. We will also discuss the principle of Opportunity Cost and its relationship to Market Value and discuss how an understanding of Opportunity Cost helps drive smart choices in an environment of rising interest rates.

Asset and Liability Management(ALM):In-House or Outsource?

Wednesday, April 11, 2018 12:00 MDT Implementation of an ALM modeling solutions is expected at almost all financial institutions, regardless of size. There are many variables to consider when evaluating whether to perform this analysis in-house or use an outside vendor.

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Webinar participants will:

  • Identify where this risk originates along with causes of liquidity insufficiencies.
  • Explore funding resources available in a liquidity event.
  • See one method of liquidity forecasting.
  • Discuss components of a sound liquidity and contingency funding policy.

Review regulation and regulatory liquidity expectations.

Free Product Sample & Consultation

Basic Rate Sensitivity Analysis

The Basic Rate Sensitivity Analysis helps a credit union understand the historical behavior of deposit rates. This is one of the most important components in evaluating interest rate risk. This report estimates your credit union’s deposit rate sensitivities or betas that are unique to your credit union using call report data. It then compares your credit union’s deposit rate sensitivities to other credit unions in your county, state, and nation. Please click below if you would like a FREE copy of your Basic Rate Sensitivity Analysis along with a 10-15 minute consultation to show how this report can benefit your credit union.

For additional webinars and links to past webinars, please see the resources page and click on webinars or past webinars.

Our Services

ALMPro Classic

Our ALMPro® Classic service estimates interest rate risk (IRR) and liquidity risk for credit unions with less complex balance sheets while providing a fully comprehensive ALM solution.

ALMPro Plus

Our ALMPro Plus service provides an amplified IRR and Liquidity Risk analysis and includes an Executive Summary. This level is suitable for credit unions with more complex balance sheets.

ALMPro Premier

Our ALMPro Premier service provides instrument level analytics and paramount modeling to analyze IRR and Liquidity Risk. This level is appropriate for credit unions with complex balance sheets who want more in-depth analysis or increased customization.

MHSI Peer Analysis

Our interactive peer analysis tool allows you to customize historical financial statement, performance, interest rate, and trend comparisons to your specific asset size and geographic peers.

Deposit Analysis

A comprehensive Deposit Analysis from Mark H. Smith, Inc. employs an account level study of a credit unions non-maturity deposits over time to provide institution-specific rate sensitivities, cu historical responses to market rate changes, and decay and average life of deposits.

Budgeting Support

Our Budgeting Support and Assistance Service utilizes the credit unions balance sheet and income statement model. A senior analyst works with the CU to develop a budgeted balance sheet and the model will generate budget interest income and interest expense. The completed balance sheet and income statement budget are then completed.

IRR Validation Reviews

Our comprehensive IRR Model and Management Process Validation Review performs an in-depth appraisal of your IRR/ALM model as well as your entire IRR management process. The goal for us is to add value to your ALM program by leveraging our extensive experience and best-practice advice.

CECL Analysis

CECL is a new standard for Allowance for Loan and Lease Loss (ALLL) and will be effective January 1, 2021. In spite of the future effective date, credit unions need to start preparing their data now. MHSI will have a CECL solution for small to medium sized credit unions starting the 1st quarter 2018.

Still not sure which service is right for you?

At Mark H. Smith we understand this can be a very complicated process. Let us help you solve your issues, and guide you to the best solution. Our goal is to simplify and make things easier for you and your credit union, by saving time and increasing your knowledge. Let us help.

We do more for you!

Still Need Help? Please Call or Email and we are Happy to Help you find exactly the right service to fit your needs. 1 800 268-7795   info@MarkHSmith.com

How are we different?

to Credit

Mark H. Smith, Inc. has been helping credit unions for over thirty years. Not only have we been an advocate for small to medium-sized credit unions and IRR/ALM analysis, we also take a step further and train these same leaders on how to use this information for better management decisions.

Teach & Train
as Part of our

Our highly skilled staff of credit union experts put teaching and training our clients at the top of their priorities. We want you to succeed and know with the right information you can. We are happy to review your report, train your ALCO, or attend a board meeting. We also have many other ways to speed up the learning curve such as webinars and other online resources.

Expertise that is
Accommodating and

In spite of being highly trained, the staff at Mark H. Smith, Inc. is here to help and be accommodating if at all possible. We want to make things easier for you and serve you with a friendly contact and a quality product with people you can rely on.


2018 Basic Rate Sensitivity Analysis – Research Summary

The Basic Rate Sensitivity Analysis helps a credit union understand the historical behavior of deposit rates. This is one of the most important components in evaluating interest rate risk..

Client Testimonials

“These are fantastic responses and it really helped to solidify a lot concepts as it pertains to the modeling and assumptions. I know that our meetings and conversations have helped me gain invaluable knowledge on ALM and I wouldn’t have been able to begin answering these questions had it not been for the time you’ve spent explaining everything to me over the past six months. Also, the examiners have made some very positive comments regarding the additional alternative and sensitivity stress testing scenarios, which we are very happy about! ”


PCM Credit Union

“I am extremely pleased with the service and really feel like we have found a partner who understands us”


Lone Star Credit Union

“Thank you very much for being on the telephone with my ALCO members. I always feel good about having you on the phone once in a while as we polish ALM, IRR, CECL, etc. periodically. The board approved the revised IRR policy with your recommendations. Please incorporate them into our monthly report. ”


Marion Community Credit Union

“Once again thanx for joining our ALCO meeting yesterday. It was very productive and timely.”


United Methodist Federal Credit Union