Interest Rate Risk Management

Managing interest rate risk is a regulatory requirement and a necessity for the overall success of your credit union.  Our comprehensive approach to measuring and managing interest rate risk includes three-year net interest income simulations, market valuations, and Gap analysis.

Our in-depth modeling and analysis of risk and performance results in greater understanding of your overall financial picture.  This allows your decisions to be driven by extensive testing and a complete understanding of potential outcomes in varying market conditions.

Balance Sheet Consulting

Total-ALM examines every aspect of your balance sheet to provide recommendations and strategies to reach earnings and equity capital goals, while always advising you of the risk/reward tradeoffs.

Forecasting and Budgeting

Total-ALM utilizes an advanced ALM model and has the expertise to assist in assumption development.  We take great pride in our “focus on forecasting” and our ability to forecast with a high degree of accuracy.  We provide assistance with annual budgets as well as ongoing forecasting updates.

Long-term Strategic Planning

The lack of long-term planning can lead to failure for financial institutions.  Predicting the financial future of your credit union is not easy. However, our long-term strategic planning assistance helps you develop product and pricing guidelines, achieve your goals, and get your credit union where you want it to be.

Liquidity Planning

Having a liquidity risk management framework is crucial to maintaining adequate liquidity.  Our liquidity forecasts reflect precise contractual run-off for all components of the balance sheet.  Current business growth plans are also incorporated into the forecasts.

Additionally, we provide stress testing and scenario analysis as needed to help you develop contingency plans and meet regulatory requirements as part of your overall liquidity risk management.

Education

Total-ALM delivers reports ready for board presentation and also provides a complete review of the results with the ALCO.  ALM education for board, management, and staff members can also be provided.