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The mission of Asset/Liability Management (ALM) is to provide analysis, instruction, and guidance in the area of asset/liability management in order to promote the financial well-being of Cornerstone's member credit unions. ALM is the process of ensuring that a credit union remains financially viable through adequate capital, stable earnings, and sufficient liquidity. To accomplish its mission, ALM offers both dues-supported and fee-based services.
Based on National Credit Union Administration (NCUA) 5300 data, the Key Ratio Report is a three-page report detailing key trends, ratios, and interest rate sensitivity position in the credit union. It is accompanied by commentary from ALM and highlights strengths and weaknesses in the credit union's financial performance.
Available semi-annually, this report provides valuable information for all NCUA peer groups. It offers detailed breakdown of net operating expenses by call report account code as well as many other useful features, which credit unions can use to compare their key financial ratios with their peers.
These guidelines provide a monthly review of economic factors and offer recommendations for deposit and loan pricing for the upcoming month.
Upon request, we will provide a detailed expense comparison of the credit union with its NCUA peer group, highlighting areas of variance, and possible corrective actions.
Contact us for questions regarding pricing of loans and deposits, examination issues, CAMEL rating, liquidity, and budgeting.
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A fee is charged for each of these services. Contact the ALM department for more information and pricing.
Includes workshops, seminars, staff/board training, and one-on-one mentoring.
Developed by Charles Idol, PhD, the ABAJO program is an easy to install program which allows a credit union to monitor key financial information on a monthly basis.
We assist credit unions in creating investment and/or asset/liability management policies which meet the operational needs of the credit union and comply with NCUA/State Department of Credit Union guidelines.
This Excel based spreadsheet allows a credit union to determine liquidity seasonality or particular months of liquidity strain or surplus. Our staff assists with interpretation.