Asset/Liability Management
Asset/Liability Management (ALM) is the process of ensuring that a credit union remains financially viable through adequate capital, stable earnings, and sufficient liquidity, and interest rate risk management. Cornerstone League's intention is to provide ALM analysis and instruction to member credit unions in order to promote financial well-being.
Services Available to League Members
ALM Guidelines, Peer Group Statistics & Handouts
Cornerstone provides a number of tools beneficial to your credit union in developing an ALM process.
Educational Opportunities
Cornerstone is providing a four-part webinar series as an ALM training opportunity.
ALM Analysis Reports
Quarterly Key Ratio Analysis Report
Based on National Credit Union Administration (NCUA) 5300 Call Report data, the Key Ratio Analysis Report is a comprehensive report analyzing key ratios relating to capital adequacy, earnings stability, asset quality, liquidity, and interest-rate risk. This report also includes an expense analysis for the credit union.
Liquidity Analysis Template
An Excel-driven spreadsheet enables credit unions to identify historical trends in liquidity and establish minimum acceptable needs for future liquidity, allowing credit unions to manage and monitor liquidity and maximize investment return.
Want More?
Credit unions looking for in-depth and personalized Asset/Liability Management assistance can rely on fee-based services.