Outsourced
ALM SOLUTIONS
We’ll Do Your Interest Rate Risk Analysis
You Manage Your Credit Union!
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
Income Simulation Training for Credit Union Leaders, Boards, and ALCOs
Wed, April 14, 2021, 12:00 MDT
This webinar will focus on the process of income simulation to estimate interest rate risk.
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PARTICIPANTS WILL:
- Review and explain the basic analytical tools used to estimate and manage interest rate risk.
- Discuss balance sheet “optionality”: loan pre-payments, interest rate sensitivities, decay rates and surge shares.
- Receive an introduction on Income Simulation methodologies to estimate risk to the credit union’s net interest income when rates increase or decrease.
- Learn and visit various interest rate scenarios where changing rates may impact NII and net income.
Credit Union Investing Options beyond CD’s – What You Need to Know
Wed., May 19, 2021, 12:00 MDT
Presented by Guest Speaker Jason Williams-Portfolio Manager and President at Moreton Asset Management.
Many credit unions are familiar with and invest in FDIC insured certificate of deposits (CD’s). Many more credit unions don’t fully utilize the other asset classes allowed under NCUA investment guidelines.
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- Discuss best practices for credit union investing
- Explore the advantages and disadvantages of investing in government bonds, municipal bonds, and U.S. Agency mortgage-backed securities
- Explore ways to analyze step-up agency securities and callable bonds
Free Product Sample & Consultation
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
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.
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.
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.
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.
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.
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.
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 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?
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.
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.
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
2020 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..