Our Services
Enhancement Modules
Report enhancement modules provide the credit union with the flexibility to structure its ALM report as needed, without paying for analysis it doesn’t require. All enhancement modules are included with our ALMPro Plus service; however, they can also be added individually to any ALMPro Classic service. An analysis, review, and consultation can be provided to help you determine the best modules and reporting frequency for your credit union.
Customize Your ALM Reporting With Optional Enhancement Modules
Each enhancement module adds targeted insight to your ALM analysis, from advanced liquidity forecasting to deeper interest rate shock testing. These options help strengthen risk management and support more strategic decision-making.
Enhanced Liquidity
Enhanced Liquidity module includes all of the basic ALMPro Classic analysis report plus:
- Four customizable 12-month forecasted cash flow scenarios, including likely, moderate stress, severe stress, and systemic stress scenarios.
- Each scenario’s cash flow forecasts are detailed at the chart of accounts level and project monthly cash flows. Every chart of accounts projected cash flow can be customized.
- Detailed cash flow reports are easy to understand and summarized on the ALMPro Dashboard for comparison purposes and to demonstrate compliance with risk guidelines.
- Liquidity Coverage Ratio - A short-term stress test designed to determine the credit union’s ability to meet potential short-term obligations.
- Includes a Liquidity Risk, Funding Policy, & Contingency Funding Plan, along with risk measurement guidelines that align with the ALMPro liquidity measures. Also includes training, liquidity management consultation, regulatory support, and additional liquidity cash flow forecasting, as well as what-if scenarios, all at no additional cost.
Enhanced Interest Rate Shocks
Enhanced Interest Rate Shocks module includes all the basic ALMPro Classic analysis report plus:
- Three-year net interest income/net income simulation for interest rate shock scenarios of +/-100, +/-200, and +/-300.
- Additional interest rate shock scenarios, such as +/- 400, can be performed upon request.
- Net Economic Value analysis for interest rate shock +/-100, +/-200, and +/- 300 scenarios.
- Additional interest rate shock scenarios, such as +/- 400, can be performed upon request.
Executive Summary
The Executive Summary is a concise written and graphical recap of the ALMPro analysis, presented in an easy-to-read format. It is highly beneficial for preparing for board meetings or as a quick reference to your report. It includes:
- An overall credit union industry financial performance review, trends, and outlook.
- An economic and interest rate Environment review and outlook.
- Potential credit union strategies and risk considerations outlook.
- ALMPro report written and graphical summary including:
- Income Simulation – Net Interest Income at Risk
- Income Simulation – Net Interest Income at Risk
- Net Income analysis
- Net Economic Value-Net Worth at Risk
- Financial statement and risk measurement trends
- Alternative Non-Maturity Deposit Net Economic Value Scenarios
- Liquidity analysis
- Net Worth
- Income Statement Analysis
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MHSI Outsourced vs. In-House Software
Compare cost-effective outsourced solutions with customized in-house software. At MHS we help financial institutions evaluate options based on your unique operational needs, budget constraints, and growth objectives.
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.
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.
FAQ
Questions? We’ve got answers.
Looking for more information? Visit our FAQ page for answers to common questions, or feel free to contact us below if you need further assistance. We’re here to help!
