3-Hour ALM & Budget Online Software
Training Classes
(CPE Credit Available)
Online BASIC ALM Training:
- Q&A on mapping/importing loan, NMS, certificates
- Importing bond accounting CSV or investments in Excel
- RSFs, lags, prepayments & discount rate assumptions
- 2026 ALM Policy’s guidelines & choosing your CU’s Income Simulation horizon
- Market values of assets & liabilities
- Valuing NMS at theoretical value in NEV analyses
- Review of NEV and Income Simulation results
- What to realize about NCUA’s NEV Supervisory Test assumptions and the related NEV results
- Trends in Historical Key Ratios & using peer group
- Understanding the Liquidity Guidelines Reporting Document
- Appendix A of Concentration Risk Policy, develop work papers to track what you considered when setting limits
Online ADVANCED ALM Training:
- Economic Update–Jeff Brick, CFA, President of Brick Capital Management, Inc.
- Relevant tests & potential impact of rising & falling rates
- Select a 3- or 5-year Income Simulation Horizon
- Discussion on guidelines & triggers for NII & NEV
- What if credit card rates are capped at a lower rate?
- Current Market Rates vs Offer/Reinvestment Rates
- Unrealized asset losses & the offsetting NMS premiums
- Assumptions affect NMS premiums in NEV analysis
- Historical NMS Studies for Average Maturities & RSFs
- Why building in a margin of safety, using Internal Controls & taking a somewhat conservative posture in setting NMS assumptions is prudent in measuring IRR
- Strategies that improve Shocked NEV results
- Rolling 12-Month Cash Flows, Contingency Funding Stress Tests & Assessing your CU’s Borrowing Power
- Cautionary Ranges for Liquidity Ratios in Liquidity Guidelines Reporting Document
- Liquidity Strategies, Stress Testing Liquidity, tradeoffs
- Annual What-Ifs & Optional Stressed Liquidity What-Ifs
- Backtesting you can do as a free, ongoing ALM validation
- What should be covered in ALCO Minutes?
Online Budget Training:
- Economic Update–Jeff Brick, CFA, President of Brick Capital Management, Inc.
- Budget considerations for your 2027 Budget
- Budget data inputs for CU/BUDGET-ware
- Importance of a “balance sheet-driven” budget
- Discuss forecasting models & budget assumptions
- Demonstrate & discuss integration (importing projected loan, investment & term certificate runoff from ALM scenarios into CU/BUDGET-ware)
- Variance Reports can help explain budgeted vs actual performance. (Variance are an avoidable part of financial management)
- Interpreting Budget Reports
Three CPE credits are available per 3-hour class in most states. Cancellations must be made 3 business days prior to the class for a full refund. Training participants are required to be on Version 12.1 and have their type codes mapped prior to training. Please contact our office at least a few weeks prior to Training if assistance is needed.