ALM for Credit Unions

Asset-liability management vendors and advisors help credit unions measure and manage interest-rate risk, liquidity, and the long-term shape of the balance sheet. Through modeling, NEV and income simulations, deposit and loan assumptions, and stress testing, they give the ALCO and board the analysis needed to set strategy and satisfy NCUA expectations. Offerings range from software to outsourced advisory and validation. When comparing providers, consider model transparency and documentation, the quality of assumption support, back-testing and independent validation, investment and strategy guidance, and whether the engagement fits the size and complexity of your credit union.

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