We’ll Do Your Interest Rate Risk Analysis

You Manage Your Credit Union!

  USA Credit Unions Analysis of Historical ALM Data



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.


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

Create Success for your Credit Union with the Right Marketing

Fri., December 1, 2023, 12:00 MST

Big competition? Regulatory burden? Not enough resources? The reasons are endless as to why it’s tough for small credit unions to compete, but there are even more reasons why you should. Learn why many credit unions are held back from success and how you can turn things around to meet your goals and serve your members well.

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  • Discuss the number one thing that keeps any person or organization from fulfilling its true potential.
  • Explore how an underdog can compete and win against the big dogs.
  • Examine if your mission, vision, purpose, and message are strong enough to gain attention and drive action.
  • Discover how the right marketing can help achieve the most success for your credit union.

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

Essentials for Credit Unions in the Current Economy

Wed., December 13, 2023, 12:00 MST

Join us for a discussion with the Chief Economist at Mariner Wealth Advisors, Bill Griener, as he discusses the current state of the economy and how it impacts credit unions. This webinar is perfect for credit union executives, directors, and staff who want to stay ahead of the curve and make informed decisions about their businesses. Register today to learn more about positioning your credit union for success in the current economy.

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  • Present the current state of the economy and its impact on financial institutions.
  • Assess how inflation and the Federal Reserve’s interest rate policy are impacting credit unions and other financial institutions.
  • Review how borrowers and creditors are responding to these conditions.
  • Examine the economic outlook for the next 12-18 months.
  • Comment on overall fixed income market outlook, and possible bond portfolio strategies to consider.

Free Product Sample & Consultation

Mark H Smith Inc: 2020 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 Service is available as an add-on for ALMPro clients. 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

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.

Mark H Smith Highly Skilled Staff of Credit Union Experts

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.

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.