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 ALM Model Validation Reviews

Strategic Planning In These Uncertain Times

Tuesday, Oct. 06, 2020, 12:00 MDT
Strategic Planning for credit unions is crucial to long-term success – especially in today’s climate. But how can credit union leaders effectively identify the key component and measure and monitor the progress of the plan? These topics and more will be discussed in our Strategic Planning webinar.

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  • Learn why regular strategic planning is so important
  • Review key components of a strategy
  • Discuss how to plan for the long term but act in the short term

Presented by Scott Butterfield, of Your Credit Union Partner*, and Cynthia R. Walker, CEO of Mark H. Smith, Inc., this webinar will help credit union leaders prepare and execute a better strategic plan.

Mark H Smith Webinar ALM Model Validation Reviews

ALM Model Validation Reviews - Learn Why They Are Valuable and How They Can Benefit Your Credit Union and ALM Processes

Wed, October 21, 2020, 12:00 MDT
Credit Union managers rely on the results of the Interest Rate Risk process and forecasts to make key decisions. A review of this process by an outside third party or independent in-house person is valuable. This webinar will explore what an effective review of the IRR process should cover and how the management team can gain greater

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confidence that risk measurements are reliable, and possible exposures assessed accurately.


  • Discuss how a third-party review can be valuable
  • Review elements of a good third-party review
  • Explain how management should utilize the IRR process
  • Discuss the importance of backtesting for validating assumptions
  • Identify the necessary elements of related policies to review
  • Explore options to reduce the cost of a third-party validation
  • Look at Internal controls, program effectiveness, and decision-making

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

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

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

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..