Credit unions are facing more challenges today than ever before...shrinking ROAs, increasing expenses and regulations, tight margins, complex staffing issues and heavy competition.

You don't want to just survive. You want to grow, outpace the competition and benefit your members.

For more than 20 years, Southwest Corporate has been consulting credit unions on balance sheet management and investment portfolio needs. In today's twisting, turning financial environment, it's reassuring to know there is one puzzle you don't have to solve alone.

Asset/Liability Management Service The A/LM Service works with credit unions to:   Assess balance sheet risk (supported by BancWare® analytics)  Validate internal models (customized prepayments, rate scenarios and account behavior assumptions)  Quantify credit union ideas with multiple "what if" scenarios  Conduct specialty analysis (core deposit studies, static pool lending, and mortgage servicing rights valuation)

Advisory Service The Advisory Service works with credit unions to:  Achieve stable net interest margins, equity capital and ROA targets  Attain efficient loan and share portfolio allocation and pricing strategies  Maximize the relative value of earning assets  Manage investment portfolio activities  Quantify credit union risk profile and balance sheet strategies  Identify revenue and operational savings opportunities  Provide customized education for Board and Management