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The investment portfolio plays a strategic role in the balance sheet, so our job starts with understanding how it fits in for your credit union. Our advice is tailored to your needs based on factors like your budget for interest rate risk, cash flow and liquidity needs, and policies.
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Once your strategic needs have been established, we can determine which asset class might meets your needs. We analyze all varieties of mortgage backed securities (MBS), collateralized mortgage obligations (CMO), treasury securities, and CDs.
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Accolade plays a large role in the fixed income marketplace as an aggregator for credit union trade activity. We have access to available securities from a large network of different broker dealers and thoroughly analyze individual options based on your credit union's needs.
They can only recommend investments that are appropriate or permissible for a credit union investor.
They have the same suitability requirement and take it a step further by legally requiring the adviser to act in the best interest of the client.
Consequently, conflicts of interest may arise when a broker may recommend investments that pay the best commission in lieu of what’s best for the client.
This arrangement is designed to eliminate conflicts of interest on investment recommendations and other strategy decisions.
Our goal is to identify strategies and solutions to help credit unions enhance their portfolio and balance sheet, manage risk, and gain confidence.
Your advisor serves as your outsourced Chief Investment Officer, establishing a deep relationship so we can further understand your strategic goals.
Partnered with FinSer we provide detailed monthly reports and quarterly shock tests, even streamlining that data into your Accolade ALM report.
Partnered with Corporate One Federal Credit Union we consolidate your safekeeping in one location, assisting with settlement at no additional cost.
Our team researches the optimal security based on your strategic goals and handles all of the legwork through our wide network of institutional broker-dealers.
