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Who We Are

Mark H. Smith, Inc. has been a trusted partner to credit unions since 1985, specializing in comprehensive outsourced interest rate risk, liquidity risk, current expected credit loss (CECL), and overall asset liability management solutions. As an independent provider with over four decades of experience, we combine balance sheet modeling analytics with tailored consulting services. Our goal is to help credit unions of all sizes navigate regulatory environments and make informed balance sheet management decisions. Our team of dedicated professionals understands credit unions’ unique challenges and is committed to delivering tailored solutions that strengthen your balance sheet management.

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A Trusted Partner in Credit Union Asset Liability Management

What sets us apart is our personalized approach. Every credit union partner we serve gets dedicated, engaged, and highly responsive attention from experienced analysts and consultants who understand your needs. Whether you need the basic ALM reporting or more involved strategic input or analysis for your ALCO or board, help with regulatory exams, training, policies, or additional analysis scenarios, we’re here to make it easier and truly add value. By partnering with us, you’ll find a responsive team that is genuinely invested in your success.

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John Wortz

CEO

Our Mission & Vision

Mission

Empowering Credit Unions for a Stronger Future

We empower credit unions with expert asset and liability management solutions and consultation that assess balance sheet risks, enhance performance, and foster optimal member service. Through strategic ALM services and risk management expertise, we help our credit union partners maintain financial stability.

Vision

Creating a Trusted Partner in Financial Success

Our vision is to be the trusted partner credit unions turn to for reliable, outsourced asset and
liability management expertise. We aspire to help credit unions achieve sustained success by
providing the ALM analytical foundation and strategic consultation guidance needed to navigate changing market conditions while fulfilling their essential mission to serve members effectively.

Our Values

The principles behind every partnership we build.

At Mark H. Smith, Inc., our values are more than words—they guide how we serve credit unions. From analytical integrity to service excellence, everything we do is grounded in a deep commitment to helping you manage risk and safeguard your future.

Integrity

Building Trust Through Every Interaction

We act with unwavering honesty, transparency, and respect in every interaction. Our recommendations are always in your best interest, and we maintain the highest ethical standards in our analyses, communications, and business practices. This foundation of trust is what enables lasting partnerships with our credit union clients.

excellence

Delivering Unmatched Value and Quality

We provide the highest quality services through rigorous analysis, continuous innovation, and meticulous attention to detail. Our team constantly pursues professional development and improvement to deliver measurable value that exceeds expectations and helps your credit union thrive in today’s competitive landscape.

collaboration

Working Side-by-Side for Your Success

We believe in true partnership, working alongside your team rather than simply as an external vendor. We understand the challenges of small credit unions and support the long-term goal of preserving and protecting this industry. Our collaborative approach ensures that our expertise enhances your internal capabilities.

commitment

Going Above and Beyond for Credit Unions

Your success is our success. We demonstrate our dedication by consistently going above and beyond to meet your needs in a timely manner, being responsive to your questions, and adapting our services as your requirements evolve. Our long-term client relationships are a testament to our unwavering commitment to your credit union’s prosperity.

What Our Clients Say...

I wanted to reach out and tell you how much I appreciate your support and knowledge. Thank you for your continual support and partnership.
Rick M. /CEO
CU Asset Size – $133 Million

What Our Clients Say...

Thank you so much. This is exactly what I was looking for. We really appreciate our relationship with Mark H. Smith and company.
Matt F. /CFO
CU Asset Size – $180 Million

What Our Clients Say...

I just have to say…I have always received the best service from every single Mark Smith employee!! Very happy with you as a vendor of ours!!
Joette D. /CEO
CU Asset Size – $35 Million

What Our Clients Say...

It’s like you read my mind. I appreciate the updated copy – thanks for continuing to make the policy relevant.
Cindy D. /CEO
CU Asset Size – $155 Million

What Our Clients Say...

Thank you very much for your presentation yesterday to our ALCO and BOD. Your presentation made it much easier for many of us to understand what can be a very complicated/complex topic. I find that each quarter that we work with your organization, we become more knowledgeable and informed as to what our risks are. So thank you very much.
Kevin M. /Accountant
CU Asset Size – $43 Million

What Our Clients Say...

Thank you for spending time on these worksheets and calculations… I’m only half-joking when I say, “when I grow up I want to be like the team from MHS”. I really appreciate your knowledge and expertise, but most of all, your willingness to help others in our community of credit unions.
Rose J./Manager Financial Planning
CU Asset Size – $100 Million

What Our Clients Say...

I really appreciate the good job your team does for us. Your company is my favorite vendor 😊
Matt F. /CFO
CU Asset Size – $180 Million

What Our Clients Say...

It’s this kind of Service that keeps us with you Mark Smith. Thank you very much !!!
Paul L. /CFO
CU Asset Size – $240 Million

What Our Clients Say...

I’ve made contact with the references you gave to me – each gave your company an A+ on your services and support.
Melissa M. /CEO
CU Asset Size – $18 Million

What Our Clients Say...

Thank you for making time to discuss our IRR yesterday. The examiner complimented the reports and was satisfied with my responses. I appreciate the time and attention to this.
Jennifer W. /CEO
CU Asset Size – $77 Million

Ready to Strengthen Your Credit Union’s Financial Strategy?

Gain clarity and confidence with expert ALM insights, regulatory support, and data-driven decision-making. Let’s discuss how our solutions can support your institution’s success.
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Why Credit Unions Trust Us 

Personalized Service & Support

Think of us as your dedicated ALM specialist, always just a call away. We understand every credit union is unique, which is why we tailor our solutions to your specific needs, providing personalized support as if you had an expert on staff.

Results-Driven Solutions

Our approach delivers measurable value through customized solutions, not one-size-fits-all services. We're known industry-wide for going beyond expectations to help credit unions achieve their financial management goals.

Your Credit Union Specialists

We've exclusively served credit unions for over 40 years, giving us unmatched understanding of your unique challenges. Our ALM validation acknowledges that your IRR management program should match your size, complexity, and risk profile.

Serving over 400 credit unions nationwide.

No matter your credit union’s size or complexity, our experienced analysts provide customized ALM strategies, hands-on consulting, and board-ready reporting.

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