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

Master the Art of ALCO Meetings: Structure, Content, and Best Practices

Wed., Feb 28, 2024, 12:00 MST

Need help navigating your Asset Liability Committee (ALCO) meetings? Want to improve the effectiveness and decision-making resulting from these meetings? Join us for this informative webinar and turn uncertainty into confidence.

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PARTICIPANTS WILL:

  • Develop a better understanding of the ALCO’s purpose and responsibilities
  • Identify reports and information that are essential for an effective ALCO meeting
  • Discuss critical topics that the ALCO should address
  • Explore the flow of information and documentation requirement

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

How Forecasting and Other Tools Can Help CU's Prepare for a Liquidity Event

Wed., March 27, 2024, 12:00 MDT

Credit unions face increasing liquidity pressure due to inflation and rising interest rates. This webinar will provide you with the tools and knowledge to effectively prepare and manage liquidity risk. We will also discuss regulatory expectations and identify components of a sound liquidity contingency funding policy. Don’t let Liquidity risk strike and hurt your credit union. Register for this webinar today.

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AT THIS PRESENTATION PARTICIPANTS WILL:

  • Develop an understanding of liquidity risk & the associated challenges
  • Discover tools to help prepare your CU for a liquidity event.
  • Identify and assess liquidity risk factors in your balance sheet.
  • Explore funding resources available in a liquidity event.
  • Learn how to meet regulatory expectations for liquidity management.
  • Explore how to develop and implement a sound liquidity contingency funding policy.

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

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.