Trusted Outsourced Asset & Liability Management & CECL Analysis for Credit Unions

Mark H. Smith, Inc. helps strengthen credit unions through strategic risk management. This includes interest rate risk analysis, liquidity risk analysis, and CECL compliance.

ALMPro® Classic

Asset & Liability Management Solutions

Comprehensive balance sheet analysis delivering actionable insights on earnings at risk, capital valuations, liquidity risk, and regulatory compliance for informed decision making.

ALMPro® plus

Advanced Balance Sheet Risk Modeling Solutions

Expanded interest rate risk modeling for a more refined analysis, accommodates custom or peer assumptions, and liquidity forecasting/stress testing with forecast customization.

CECL Analysis

Credit Loss Modeling Made Simple

Streamlined methodology, peer comparisons, and an efficient solution that satisfies regulatory requirements while providing strategic value for estimating loan and investment credit losses.

ALM Validation

Trusted and Complete Model Review

Comprehensive validation of your ALM modeling and management process, including model setup, assumptions, interest income simulation back-testing, and overall ALM management program to ensure regulatory adherence and an effective program.

CECL Validation

Expert Compliance Check

Independent review of your CECL model and program to ensure sound practices, accurate loss projections, and regulatory compliance.

Deposit Analysis

Member Deposit Behavior Intelligence

Data-driven insights into non-maturity share retention, average lives/decay rates in different interest rate environments, rate sensitivity factors (RSFs), and rate change lagging behaviors. This will provide essential information to enhance interest rate risk management, liquidity risk management, deposit rate setting, and overall balance sheet management and strategic planning.

Budget Development

Strategic Financial Road Mapping

Collaborative planning process integrating our budgeting model and a dedicated Senior Financial Analyst with credit union management direction and strategic planning expectations.

Risk-Based Lending Analysis

Data-Driven Rate Setting Insight

Evaluate loan profitability across loan type credit tiers and align your pricing strategy with risks, market rates, trends, and examiner expectations for risk-based lending analysis.

See our full suite of ALM and CECL services.

Whether you need full ALM outsourcing, a complete CECL solution, or insights on deposit behaviors and liquidity risk, we offer comprehensive services built for credit unions. Explore our solutions or contact us for a personalized meeting to see how we can support your goals, meet regulatory expectations, and strengthen your financial strategy.

They are extremely helpful and answered all of my questions thoroughly and patiently.

Valerie W.
Bethlehem 1st Federal Credit Union

About Us

A Trusted Partner in Credit Union Asset Liability Management

At Mark H. Smith, Inc., we specialize in outsourced ALM and CECL services built for credit unions, offering deep expertise in interest rate risk management, liquidity analysis, CECL compliance, and more. For over 40 years, we’ve supported credit unions from under $10 million to over $2 billion in assets with tailored modeling, consultation, and regulatory support.

What sets us apart is our personal approach. Every credit union receives dedicated attention from experienced analysts who understand your goals and challenges. Whether you need strategic input, analysis for your ALCO or board, help with regulatory exams, training, policies, or quarterly risk and performance reporting/consultation, we’re here to make the process easier and deliver real value. Our mission is to help you make confident, informed balance sheet decisions, so you can grow safely and serve your members better.

Resources

Learn More About Managing Your Risk.

Need Help Understanding ALM and Interest Rate Risk?

Explore our Education page for practical articles, guides, and tools designed to help your team navigate ALM, interest rate risk, and regulatory challenges with confidence.

Helpful Recorded Webinars – Watch On Demand

Learn from our experts through recorded webinars covering risk management, liquidity, ALM modeling, and more. Stay informed and revisit key insights anytime.