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A/LM SERVICE OVERVIEW

Credit unions of all sizes now consider Asset/Liability Management (A/LM) modeling a must-have for interest rate risk analysis. A/LM modeling also helps with forecasting, budgeting, and strategic planning.

Larger credit unions with complex balance sheets may have staff dedicated to A/LM, while other credit unions may use a third-party provider. Smaller, non-complex credit unions may use Gap and ratio analysis.

But, is this enough? Is it affordable?

Southwest Corporate believes A/LM analysis should be affordable for credit unions of all sizes and complexity. So we developed affordable solutions. The Standard A/LM Service and the Comprehensive A/LM Service are now available through Southwest Corporate Investment Services' A/LM department.

The Standard A/LM Service analysis report uses a credit union's NCUA 5300 Call Report data. For a small monthly fee, credit unions receive hands-on guidance from experienced A/LM specialists and semi-annual or quarterly Gap analysis. More complex credit unions may add Net Economic Value (NEV) analysis. The Standard A/LM report includes a written synopsis of results, executive summary, current and historic financial results and ratios, and liquidity and interest rate risk analyses.

The Comprehensive A/LM Service uses account level detail to process a credit union's interest rate risk analysis on the BancWare ALM 5 model. For a one-time set-up fee, and a reasonably-priced annual fee, credit unions receive hands-on guidance from experienced A/LM specialists. This guidance includes a quarterly or monthly NEV and Income Simulation report with a written synopsis of results, executive summary, and assumption detail. In addition to the presentation-ready reports, credit unions may use "what-if" analyses to confirm business plans or to test the impact of new products.

To determine which service is right for your credit union, email Investment Services at contactis@swcorp.org or call 800.301.6196.