The Asset-Liability Management (ALM) Module is designed for the simultaneous analysis of assets and liabilities for the purpose of monitoring, and controlling interest rate risk and financial performance.

Details

• Sensitivity to various balance sheet components can be measured, so that strategies can be identified and implemented to bring interest rate risk to acceptable levels.
  
  
• The system includes model ALM and Investment policies.
  
  
• The ALM Module can perform extensive "What if" calculations. These calculations allow risk, income and key ratio effects of alternate strategies to be examined prior to implementation.
  
  
• Strategies may be tested under different interest rate conditions.
  
  
• The ALM Module analyzes the financial data using complex models to determine statistics and key ratios that measure the projected health and stability of the credit union.
  
  
• The results of the analysis can be presented in several different formats meeting each user's requirements. The user may view summary statistics on screen, print reports or create simple graphs.
  
  
• The ALM Module is a suite of software tools that can help bring a higher level of understanding of the financial impact of interest rates, investments and pricing policies.
  
  
• ALM is an integrated process on which the success and strength of your credit union depends on.

Benefits

• Easy to Use Interface
• Presentation graphs and charts
• Password protection
• Integration to CompuShare system

Module ALM and Investment Policy

• Integrates system into decision-making process
• Defines ALM objectives, goals, and ALCO functions
• Facilitates portfolio management in an ALM context

Advanced Features

• Maturity Distribution Report
• Income Simulation
• Income Gap Summary
• Projected Key Ratio
• Monthly New Interest Income Report
• Rate Volatility Analysis
• Market Value

Reports and Graphs

• Balance Sheet Gap Report
• Liquidity and Cash Flow Gap Report
• Gap Statistics
• Maturity Distribution Report
• Key Ratio Report (Current & Historical)
• Balance Sheet Ratios
• Spread Analysis Ratios
• Other Performance Ratios
• Growth and Capital Formation
• Peer Group Comparison
• Prepay Modes Report (Summer skips and Prepayments)

Brick and Associates is available to assist in analysis of balance sheet components and their relationship.

Consulting/Maintenance, Updates and Newsletters are available.