|
The mission of ALM Resources is to provide analysis, instruction and guidance in the area of asset liability management in order to promote the financial well being of credit unions. Asset liability management is the process of ensuring a credit union remains financially viable through adequate capital, stable earnings, and sufficient liquidity. To accomplish its mission, ALM Resources offers the services listed below.
ALM Essential Package (A fee is charged for each of these services; contact ALM Resources for more information and pricing)
- Semi-Annual Key Ratio Report
Based on National Credit Union Administration (NCUA) 5300 data, the Key Ratio Report is a three-page report detailing key trends, ratios, and interest rate sensitivity position in the credit union. It is accompanied by commentary from ALM Resources and highlights strengths and weaknesses in the credit union's financial performance.
- Dividend and Reinvestment Guidelines
This one page report is a monthly survey of current interest rates in Texas and other major population states with deposit pricing recommendations for the upcoming month.
- Peer Group Statistics
Available semi-annually, this report provides valuable information for all NCUA peer groups. It offers detailed breakdown of net operating expenses by call report account code as well as many other useful features, which credit unions can use to compare their key financial ratios with their peers.
- Expense Ratio Analysis
Upon request, ALM Resources will provide a detailed expense comparison of the credit union with its NCUA peer group, highlighting areas of variance and possible corrective actions.
- Liquidity Analysis
This Excel based spreadsheet allows a credit union to determine liquidity seasonality or particular months of liquidity strain or surplus. ALM staff assists with interpretation.
- Complete Asset Liability Management Resource
Contact the ALM Service for questions regarding pricing of loans and deposits, examination issues, CAMEL rating, liquidity, and budgeting.
Other Fee Based Services
(A fee is charged for each of these services; contact ALM Resources for more information and pricing)
-
Training
-
ABAJO ALM Software
Developed by Charles Idol, PhD, the ABAJO program is an easy to install program which allows a credit union to monitor key financial information on a monthly basis.
- Formulating Investment and/or ALM Policies
ALM Resources assists credit unions in creating Investment and/or Asset Liability Management Policies which meet the operational needs of the credit union and comply with NCUA guidelines.
- Projections
ALM Resources can provide balance sheet and income statement projections to aid in the budgeting process and/or fixed asset acquisition.
- Monthly or Quarterly Key Ratio Reports
(see description of Key Ratio Report under "ALM Essential Package ")
Contact Information
League Service Corporation
Vicky M. Salkeld, CLE
Assistant Vice President
1-800-442-5762, ext. 6828 or 469-385-6828
Fax: (469) 385-6928
E-mail: vsalkeld@tcul.coop
| 