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.
Wed., March 18, 2020, 12:00 MDT
Credit union non-maturity deposits and other account rate sensitivities have changed. We will examine these changes and discuss how peer analytics can help with planning for the future. Also, we will explore how utilizing peer analytics can help with tracking competitors, evaluating our own performance, and help management identify financial and other trends that are vital for your credit union.
- Examine the changes in NMD and other rate sensitivities
- Discuss possible future strategies concerning these accounts
- View local customized peer analysis scenarios
- Explore financial analysis and trend capabilities specific for your cu and location
- Learn how these analysis tools can give insight to credit union peer performance locally and nationally
- Discuss how this information can give mgt the ability to make better decisions
Wed., April 15, 2020, 12:00 MDT
Are you new to your Board or ALCO or need a refresher course on interest rate risk? Join us for a basic overview of IRR and Balance Sheet Management. A good understanding of this concept is important for making sound management decisions for your credit union.
- Discuss who is responsible for interest rate risk oversight, setting policy, and establishing risk limits
- Review the different types of interest rate risk analysis
- Explain the importance of internal controls
- Explore how to use this information to manage your credit union
Free Product Sample & Consultation
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.
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.
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.
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.
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.
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 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, 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.
FREE PRODUCT SAMPLE & CONSULTATION
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..