Assess the underlying processes and assumptions of your current ALM model and receive a full write-up from one of our balance sheet advisors.
ALM modeling is central to risk governance
Protecting your members starts with a sound balance sheet strategy and interest rate risk management program.We know that ALCO meetings can feel perfunctory, but careful review and discussion of ALM reports is critical in a rapidly changing economic and interest rate environment.
Our reports and consulting services help:
Understand changes in cashflows for amortizing assets such as loans and mortgage-related investments
Examine unrealized losses on your investment portfolio, both HTM and AFS, and the unrealized loss of the loan portfolio.
Establish key assumptions applied to non-maturity deposits, such as betas and average lives
Consider alternative scenarios to avoid the profound mismatch of asset and liability duration
Evaluate liability concentrations, thinking through the lenses of specific individuals, employers, or industries
Develop liquidity strategies for normal operating environments and times of stress
We make it easy.
Simplified Data Requirements
Skip all the complex data wrangling and send in just your AIRES Share file, investment details, and a borrowings summary. We pull the rest of your details from the call report to save you time.
No Setup Needed
We've eliminated the need for an onboarding process. Once we receive your data files and determine some base assumptions over the phone or email, we are ready to run your report and begun fine tuning the results.
Easy Assumptions
Our base assumptions are built on available data, but a simple questionnaire process let’s you customize items to fit your credit union.
Cost Savings
We believe that advanced ALM and IRR solutions should be accessible for all credit unions. Our solution is an outsourced option to save time and resources.
Dedicated Advisor
Your balance sheet advisor understands your strategy, membership, and balance sheet, offering valuable solutions and key insights at your ALCO or board meetings
Meet regulatory requirements for NEV analysis, measuring the effect of changing interest rates on the economic value of net worth
Simulate income under different rate scenarios with a net interest income (NII) measurement
Use policy limits to easily visualize risk levels across all metrics and shock scenarios
View alternative scenarios such as mortgage prepayment speeds and yield curve shifts for a broader view of risk
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Balances from your Accolade ALM report are pre-loaded into the workbook.
Easy Inputs
Simply plug in your growth assumptions and rate offerings to complete the balance sheet and income projections.
Liquidity Stress Testing
Assess Risk
Enhance your risk assessment by determining your credit union's liquidity coverage ratio.
Multiple Scenarios
Accolade provides three different scenarios to create a broad picture of your potential liquidity risk.
What-If Analysis
Customized Scenarios
Advisors build a customized scenario built around your balance sheet.
Advisor Input
Your advisor understands your strategic objectives and can consult on different methods to achieve your goals.
Model Validations
It’s vital to know if the underlying processes and assumptions of your ALM model are correct, whether your regulator has made a request, or your credit union is undergoing a self-review.
Accolade conducts a parallel run of your ALM report using your current assumptions. Once complete, our advisors assess the reasonableness of your model results and identify any variances that merit further analysis. We provide a comprehensive written report detailing our assessment and identifying the items you should review and consider.
