ALMPro Classic is our entry level service for small credit unions up to approximately $50 million in total assets. IRR and liquidity risk is estimated and analyzed by our experienced advisors and communicated back to you in the ALMPro report. We will also provide extensive training and assistance in understanding and utilizing you report.
Each Quarter your ALM Classic report provides you with:
- The ALMPro Dashboard is a page single synoptic overview of the credit union’s IRR. Major points of IRR are illustrated and compared to the credit union’s risk guidelines. It is a great solution for users who have limited time and need only an overview of the data. It’s also an effective starting point for more serious uses.
- An income Simulation Analysis that estimates IRR with respect to forecasted net interest income and net income. Three scenarios are modeled; benchmark, rates up shock and rates down shock. You set the parameters for the scenarios. Income simulation is an excellent approach to analyzing IRR for small and midsized cus. It is straight forward and the concept is easily understood even by non financial users.
- An NEV Analysis that estimates the long term IRR in your balance sheet. For credit union management NEV analysis identifies the opportunity cost of holding intermediate and long term fixed rate assets in a rising interest rate environment.
- A Static Balance Sheet Liquidity Analysis based on current and historical balance sheet information. The liquidity analysis also incorporates the credit union’s risk guidelines and leads to the liquidity risk portion of the report.
“They are extremely helpful and answered all of my questions thoroughly and patiently. Just one of the many reasons I use Mark H Smith, Inc. Thank you for such great service!” –
— Valerie W., Bethlehem 1st Federal Credit Union
“Thanks Cynthia for your help with the “details,” and also for helping me to learn more. You do an awesome job. For a credit union of our size to have the expertise Mark Smith & Co. provides is valuable.” –
— Vidya I., Marion Community Credit Union