Outsourced

ALM SOLUTIONS

We’ll Do Your Interest Rate Risk Analysis

You Manage Your Credit Union!

  USA Credit Unions Analysis of Historical ALM Data

Outsourced

ALM SOLUTIONS

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

Independent ALM Modeling Process

VALIDATION REVIEWS

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

Comprehensive

ALM TRAINING

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

CREDIT UNION ASSET & LIABILITY ANALYSIS & PLANNING

Mark H. Smith, Inc. helps credit unions of all sizes manage their balance sheet and optimize earnings with our outsourced solutions. These proven solutions include Asset and Liability Management, Interest Rate Risk Management, and Liquidity Risk Management tools. Additional areas of expertise include CECL, Interactive Peer Analysis, Comprehensive Interactive Loan and Deposit Analytics, and other supporting ALM services. MHSI strives to promote credit union success by giving personalized service, improving understanding through training, supporting the credit union’s financial stability, and assisting with regulatory compliance. Founded in 1984 with an ongoing commitment to responsive client support and competitive costs, we currently serve over 400 credit unions nationally.

Upcoming Webinars

Mark H Smith Webinar Choosing the Right Solution for Your Credit Union

Interactive Peer Analysis & Loan & Deposit Analytics-How Market Intelligence Can Help Your Credit Union to Succeed

Wed., Nov. 14, 2018, 12:00 MST
Knowing how the competition is performing can give your credit union an edge and improve management decisions. By learning and using customized peer analysis tools, management can have access to important financial and other trend analysis vital for your credit union.

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AT THIS PRESENTATION PARTICIPANTS WILL: 

  • Look at local customized peer analysis possibilities for your credit union
  • Look at financial analysis and trend capabilities specific for your credit union and location
  • Learn how these analysis tools can give insight to credit union peer performance locally and nationally
  • Discuss how this information will give management the ability to make better decisions
  • Demonstrate MHSI’s Peer Analysis Suite: including modules in Loan loss, Income Statement, Balance Sheet, and Loan and Deposit Rates Sensitivities

Mark H Smith Webinar ALM Model Validation Reviews

Asset & Liability MGT(ALM)Model Providers-Items to consider when evaluating & choosing the best approach for your CU's ALM needs

Wed., Nov. 28, 2018, 12:00 MST
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.

Market forces and regulatory demands have made the benefits of robust balance sheet management more obvious and critical.

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ALM modeling and IRR analysis reports are expected to be accurate while relying on a significant number of assumptions and model variables.

We’ll deliver a balanced approach in the presentation. The discussion will also include information about our company, who we are, additional tools that can be used, and insights gained from working with credit unions and their state and federal regulators across the country for over 30 years.


 

Free Product Sample & Consultation

Free Basic Rate Sensitivity Analysis

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 upcoming webinars or webinar archives.

Our Services

Mark H Smith ALMPro Classic

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.

Mark H Smith ALMPro Plus

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.

Mark H Smith ALMPro Premier

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.

Mark H Smith Interactive Peer Analysis

Interactive 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.

Mark H Smith Deposit Analysis

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.

Mark H Smith Budgeting Support

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.

Mark H Smith ALM Model Validation

ALM Model Validation

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 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!

How are we different?

Mark H Smith Commitment to Credit Unions

Commitment
to Credit
Unions

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.

Mark H Smith Highly Skilled Staff of Credit Union Experts

Teach & Train
as Part of our
Service

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.

Mark H Smith Expertise that is Accommodating and Service Oriented

Expertise that is
Accommodating and
Service
Oriented

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.

FREE PRODUCT SAMPLE & CONSULTATION

2017 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..

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! ”

Samantha

PCM Credit Union

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

Brian

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. ”

Vidya

Marion Community Credit Union

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

Ramon

United Methodist Federal Credit Union