ALM Outsourcing & Consulting Services
An ALM Outsourcing Relationship with us will leave you the time to focus on other priorities, managerial responsibilities, and serving your members. Our Outsourcing Relationship allows management and the ALCO to take advantage of our expertise without purchasing an ALM software license or running ALM software. The robust and widely used CU/ALM-ware System is used by Brick & Associates to create instrument-level ALM and Key Ratios analyses for their ALM Outsourcing clients. The CU/ALM-ware System’s capabilities, methodologies, and calculations were extensively tested and certified by a CPA firm.
ALM Reports
- ALM Executive Summary & NEV Results
- NCUA’s NEV Supervisory Test results & Risk Thresholds
- ALM Assumptions Report
- Non-Maturity Share (NMS) Premium Report
- ALM Terminology & Definitions Report
- Contingency Funding Stress Tests Report
- Baseline Contingency Funding Test Report
- Financial Statement with concentrations
- No Shock Investments by Maturity/Call Distribution
- Shocked Investments by Maturity/Call Distribution
- Member Certificate Maturity Distribution
- Borrowed Funds by Maturity/Call Report (if applicable)
- Current Market Value (NEV) Report
- Shocked Market Value (NEV) Report
- 5-Year Income Simulation Report
- Average Life/Prepayment/Yield Report
- Schedule A Diagnostic Report
- Liquidity Report
- Historical Non-Maturity Share Decay Rates (if data is provided)
- +300Bp to -300BP Shock Test Results
Key Ratios
- Historical Key Ratios Report
- Peer Group Ratios
- 2-years of history
- Historical Key Ratio Graphs
Optional Education Opportunities
- ALM & Budgeting Online Training for a separate fee
ALM Outsourcing Services Include
- Concentration Risk Policy (CRP) & updates (All FICUs are required to have a CRP)
- Basic ALM/IRR Policy & updates
- Advanced ALM/IRR Policy & updates
- Investment Policy & updates
- Liquidity Policy, updates & Liquidity Guidelines Reporting Document
- Contingency Funding Plan & updates (FICUs over $50M are required to have a CFP)
- Target Rate Structure with Economic Commentary
- ALM Backtesting exercises
- ALM and Liquidity-Related Memos
- Key Economic Graphs
- Sample ALCO Minutes & Agenda
- Assistance interpreting Interest Rate Risk
- Assistance with ALM Regulatory issues
- Credit Card Profitability
- Auto Loan Yield
- Assistance with an NMS Study
- Quarterly Peer Group Ratios
- ALCO Discussion Checklist & Record
- Mortgage Loan Origination Graph
- Mortgage Loan Prepayment Information
- Assistance with modeling behavioral assumptions
- Historical Interest Rate Changes
- Assistance with Ramp Tests vs Immediate Shocks
- Deposit pricing strategies
- Access to Secured Client portal of www.brickinc.com