CU/ALM-ware System

The CU/ALM-ware System is a robust Asset-Liability Management tool used by the hundreds of Credit Unions nationwide to monitor and control interest rate risk and to simulate balance sheet  strategies prior to implementation.

The CU/ALM-ware System is the analytical tool used by the clients of Brick & Associates to monitor and control interest rate risk and to test strategies prior to implementation. The CU/BUDGET-ware System is linked with CU/ALM-ware but is sold separately since some people may only need an ALM or a budgeting package but not necessarily both.

Download a demo of CU/ALM-ware 

Contact our office to obtain the activation code for the ALM Demo.

Shock Testing

  • User-Defined Immediate or Ramped Shock Tests
  • Automated Parallel & Non-Parallel Yield Curve Shifts
  • Eight different Income Simulation & NEV Shock Tests in each analysis

Income Simulation Reports

  • 5-Year Income Simulation (with shock test)
  • 3-Year Income Simulation (no rate change)
  • ALM Executive Summary
  • ALM Assumptions Report
  • 3-Year Simulated Key Ratios
  • Average Life/Prepayment/Yield Report
  • Schedule A (Diagnostic Report)
  • Shocked Monthly NII Report
  • No Shocked Monthly NII Report

Net Economic Value Reports

  • NCUA NEV Supervisory Test
  • Current Market Value Report
  • Shocked Market Value Report
  • ALM Executive Summary

Non-Maturity Share (NMS) Reports

  • Non-Maturity Share Premium Report
  • Current Market Value Report
  • Shocked Market Value Report
  • Decay Rate Database
  • NMS Valuation Assumptions

Liquidity & Contingency Funding Reports

  • Contingency Funding Stress Tests (No Shock & Shocked)
  • Fixed-Rate Maturity/Call Distribution of Investments
  • Shocked Fixed-Rate Maturity/Call Distribution Investments
  • Maturity/Call Distribution of Borrowed Funds
  • Shocked Maturity/Call Distribution of Borrowed Funds
  • Member Certificate Distributions
  • Current & Shocked Liquidity Reports

Other Reports

  • ALM Terminology & Definitions
  • Financial Statement with Concentrations
  • Detailed Investment Listing
  • Member Business Loan Portfolios
  • Detailed Borrowed Funds Listing

Key Ratios Reports

  • Historical Key Ratios Report
  • Color Graphs of trends over time
  • Peer Group Comparison

Model Policies

  • Concentration Risk Policy
  • Concentration Risk Reporting Document
  • Contingency Funding Plan (CFP)
  • Basic ALM/IRR Policy
  • Advanced ALM/IRR Policy
  • Investment Policy (Two models from which to choose)
  • Liquidity Policy
  • Liquidity Guidelines Reporting Document

Extensive What-If Capabilities

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Sample ALM Reports & Pricing

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CU/ALM-ware Consulting/Maintenance Option

We provide consulting and support to CUs from $10 million to $7 billion in assets.  As part of this consulting we assist clients in developing, testing, and implementing various risk-reducing, income enhancing strategies.

Upcoming Training

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What are others who use B&A saying?

“We are deluged with economic data every day. What is often missing is the “so what?” The Brick & Associates conferences provide us with this very important missing piece. An equally valuable benefit for us from attending this annual conference is it prepares our volunteers to ask better questions. The level of discussion, and debate, at our ALCO meetings has been significantly elevated because of these conferences…

John Young, President/CEO of New Hampshire FCU, NH

Want to Schedule an ALM Software Demo?

Contact Brick & Associates for a Demo.

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