A Comprehensive Interest Rate Risk
Management Tool.

Each quarter your ALMPro® Classic Report  will provide your credit union with analyses in the following areas:

• An Income Simulation Analysis which forecasts net interest income (NII), net income and net capital for three years into the future and compares the results to the credit union's stated policy, goals or objectives per its ALM policy
• An NEV/Market Value Analysis which analyzes the economic value of the credit union's capital in three scenarios and compares the results to the credit union's stated policy, goals or objectives per its ALM policy
• An Analysis of the Repricing Characteristics and Repricing Assumptions of all credit union loans, investments, borrowed funds, shares, and deposits in three scenarios
• Base case
• Rates-up shock
• Rates-down shock
• A Liquidity Analysis
• Comparative Spread Analyses and ROA Analyses for the last three years
• A Gap Analysis for each of the three scenarios mentioned above
• Comparative Balance Sheets and Net Worth Analyses for the last four years
• Comparative Income Statements Analyses for the last three years

 

~OUR OBJECTIVES~

Our objectives when serving you through our ALMPro® Service are:

1. to provide you with all of the analyses listed above;
2. to significantly reduce your workload in the ALM area; and
3. to provide the reports consistently and in a timely fashion.

Our clients tell us that, rather than spending hours or even days each quarter producing these analyses with their own resources, they characteristically spend less than 15 minutes each quarter preparing the information that they send us. In addition to the written report that you receive you are welcome to take advantage of our 20+ years of financial management experience in the credit union system. Your phone calls and inquiries are always welcome at no additional charge.

~OUR GUARANTEE~

We absolutely guarantee your satisfaction with our work. If you are dissatisfied in any way, please advise us immediately and we will redo the work to your satisfaction, or cancel your invoice.

~TRAINING AND SUPPORT~

We offer extensive training and support for our clients.

      Click here to learn about our Training and Support

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