Analysis of interest rate risk, operating performance, and financial trends to help credit union management achieve capital goals and limit risk
A/LM analysis monitors financial performance to manage earnings fluctuations and ensure adequate capital under a broad range of possible interest rate scenarios.
Easy to implement
5300 Call Report
Supplemental financial worksheets
Gap analysis is suitable for non-complex credit unions’ balance sheets
Gap plus Net Economic Value (NEV) analyses are suitable for complex balance sheets
Standard A/LM analysis includes:
A Gap analysis that is run under both +/- 100 basis point rate shocks (non-complex)
A Gap analysis that is run under both +/- 100 basis point rate shocks plus NEV analysis that is run under six interest-rate shock scenarios (complex)
Reports and a written synopsis of results that are ready for presentation to the credit union’s ALCO or Board of Directors
Quarterly or semi-annual measures of
Earnings
Growth
Capital adequacy
Loan quality
Liquidity
Exposure to interest rate risk
A/LM Consulting includes:
Personal attention and hands-on guidance from experienced A/LM specialists
Quarterly or semi-annual risk assessment, including interest-rate risk measurement, in-depth performance analysis, and commentary
Assistance with the development of A/LM policies
A/LM education and consulting
Standard A/LM analysis is available as a stand-alone service or as part of SCIS Advisory Services. Contact a National Account Executive at 800.301.6196 for more information.
