Special Edition QuantyPhi Quarterly: ALM360
A Message from the President
I am thrilled to share some exciting news as today marks a major milestone for QuantyPhi and the credit unions we serve. We are officially launching ALM360, our new integrated balance sheet management platform, and we are very excited about what this means for your credit union. ALM360 was built to simplify complexity and give credit unions a smarter, more connected way to manage their entire balance sheet. For years, credit unions have asked for a solution that brings together ALM, CECL, liquidity planning, profitability analysis, financial simulation, and more into one cohesive experience. With ALM360, that vision is now a reality.
The ALM360 platform is designed to help you move beyond fragmented tools and manual processes. It provides a unified environment where you can model scenarios, optimize strategies, and make data-driven decisions with confidence. It enhances transparency for your team and board, strengthens governance, and saves valuable time by consolidating critical functions into one streamlined workflow. In short, ALM360 empowers credit unions to act faster, plan smarter, and manage risk more effectively, all while improving clarity and collaboration.
We believe ALM360 represents the future of balance sheet management, and we are excited to partner with you on this journey. If you are ready to see how this innovation can transform your approach, contact us today to schedule a demo. Our team is eager to walk you through the platform and show you how it can help your credit union achieve greater efficiency, resilience, and strategic success.
Thank you for your continued trust in QuantyPhi. We look forward to helping you unlock the full potential of ALM360.
Adam Stone
President of QuantyPhi
Introducing ALM360: The Future of Balance Sheet Management
QuantyPhi is thrilled to announce the launch of ALM360, now live in Beastro! This next-generation platform unifies every critical component of balance sheet management into one seamless ecosystem, empowering credit unions to manage risk, optimize performance, and execute strategy with confidence. No more silos, no more fragmented data. ALM360 delivers a single source of truth for smarter, faster decisions and audit-ready governance.
Thirteen Modules, One Powerful Platform
ALM360 combines thirteen robust modules into an integrated workflow:
- ALM Modeling — Instrument-level modeling capabilities to simulate NEV, NII, and Net Income across rate paths for precise risk oversight and strategic planning.
- Simplified ALM — Quick-start interest rate risk management using call report data—perfect for smaller credit unions.
- Liquidity Reporting — Stress-test funding strategies and contingency plans with integrated ALM assumptions for exam-ready evidence.
- CECL Modeling (PD-LGD) — Advanced credit loss forecasting with segmentation and scenario conditioning for robust compliance.
- CECL Modeling (SCALE) — Simplified CECL compliance for resource-constrained institutions—fast, accurate, and regulator-friendly.
- Financial Simulation — Budgeting and forecasting tools that align performance planning with real-time balance sheet data.
- Optimization — Turn insights into action with tools that fine-tune strategies for maximum profitability and minimal risk.
- Trade Simulation — Evaluate investment and loan trades before execution to understand balance sheet impact instantly.
- Profitability Analysis — Evaluate product and portfolio performance with market-based benchmarks and fund transfer pricing.
- Peer Analytics — Benchmark your credit union against custom peer groups using comprehensive Call Report data.
- Investment Performance Reports — Track security-level and portfolio-level risk metrics for ongoing monitoring and regulatory reporting.
- Loan Trading — Buy and sell whole loans and participations seamlessly to optimize portfolio composition and liquidity.
- Investment Trading — Access real-time fixed income market inventory with transparent pricing and robust analytics.
Each module is strong on its own, but together, they create exponential value. Imagine running real-time scenarios, executing trades, and instantly seeing the impact on risk and profitability, all without leaving the platform.
Why it Matters
With ALM360, you gain clarity, speed, and control. Unified modeling powers every decision, while integrated compliance tools and real-time analytics ensure your credit union stays ahead of regulatory demands and market shifts. This is more than technology—it's fiduciary strength, strategic foresight, and operational excellence in one solution. Ready to transform your balance sheet management? Contact QuantyPhi today for a demo.
Market Commentary
Ready to Ride: ALM360 Delivers Complete ALM Solutions
By: Wade Cooper, MBA, Financial Strategist
Imagine giving a bicycle as a gift to a child during the holiday season. Most of us picture the perfect scenario: you go out, buy a shiny new bike, put a bow on it, and place it near the tree on Christmas morning. The child wakes up, sees the bike, and is ready to ride immediately. It's simple, joyful, and stress-free.
Now, flip that image. Imagine the bicycle doesn't come assembled. Instead, it arrives in a box filled with parts: a frame, two wheels, forks, handlebars, cranks, pedals, sprockets, a chain, and a seat. Suddenly, your holiday gift becomes a project. You need tools, time, and mechanical know-how to put it together. The excitement is still there, but now it's delayed, and the risk of missing parts or improper assembly looms large.
This analogy perfectly illustrates the difference between a fragmented approach to Asset Liability Management (ALM) and a comprehensive solution like ALM360. Many credit unions today operate with "boxed" solutions—disconnected systems, manual processes, and spreadsheets that require significant effort to piece together.
When you choose ALM360, you are not getting a box of parts. You are getting the fully assembled bicycle, with a bow on top. Features like:
- Integrated Risk Management: ALM Modeling, CECL modeling, liquidity reporting, and financial forecasting work together seamlessly.
- Automation and Accuracy: No more manual assembly or worrying about missing pieces.
- Actionable Insights: Instead of spending hours building reports, you can focus on riding—making strategic decisions that move your credit union forward.
Just like a child who wants to hop on their new bike and ride, your leadership team wants to act quickly and confidently. ALM360 eliminates the frustration of assembly and delivers a solution that's ready from day one. It is not just about convenience; it is about reducing risk, saving time, and ensuring your credit union is equipped to navigate today's financial landscape.
This holiday season, think about the gift of simplicity. Would you rather spend hours with wrenches and instructions, or see the joy of a bike that's ready to ride? For your credit union, ALM360 is that gift: a complete, integrated, and elegant solution that turns complexity into clarity.
See How ALM360 Streamlines Decision Making
Unlock the Future of Balance Sheet Management with ALM360
Are you ready to move beyond siloed systems and fragmented workflows? ALM360, available through Beastro, brings every aspect of balance sheet management together. This includes ALM, liquidity, CECL, financial simulation, optimization, trading, performance reporting, profitability, and peer analytics. The exclusive white paper reveals how credit unions of all sizes can streamline decision-making, strengthen governance, and gain real-time clarity across strategy, risk, and execution.
Explore how ALM360's modular design, governed assumptions, and seamless trade-to-impact workflow empower your team to act with confidence and precision. Learn why leading credit unions are making the switch and how you can use ALM360 for faster, smarter, and more collaborative financial management.
Events
ALM360 Spotlight: Modernizing Balance Sheet Management | 2026 Webinar Series
Effective balance sheet management remains a top priority for credit union leaders. QuantyPhi's new 2026 monthly webinar series will guide you through the full capabilities of ALM360 and show how its integrated tools simplify complexity, strengthen risk management, and turn data into confident decisions.
Through modeling, reporting, trading, analytics, and profitability, you will learn how ALM360 supports stronger balance sheets and more strategic growth. Each session is designed to educate and equip your team with practical ways to optimize performance in today's rapidly changing environment.
Series Details
- Monthly 45-minute webinars
- Third Thursday of each month
- 2:00 p.m. CT
What You Will Learn
- Balance Sheet Optimization: Learn how to align strategies with organizational goals using ALM360's advanced modeling tools.
- Asset Liability Management Techniques: Discover how ALM360 simplifies complex ALM processes to support better decision making.
- Investment Portfolio Alignment: Explore ways to align your portfolio with balance sheet objectives using ALM360 insights.
- Performance Analytics and Reporting: Gain clarity on how to measure, monitor, and manage risk with ALM360 reporting capabilities.
- Market Trends and Strategic Responses: Review current trends and learn how ALM360 supports resilient strategies in changing environments.
Register today to gain practical strategies and insights for managing interest rate risk and optimizing balance sheet performance with ALM360.
Join the QuantyPhi team to support our partners and clients at these important events:
- America's Credit Unions Small Credit Union Conference
November 16 to November 18 in Kansas City, MO - America's Credit Unions Governmental Affairs Conference 2026
March 1 to March 5 in Washington, D.C.
Financial Reads
Are you looking for some good reading that might help you at work too?
Farsighted: How We Make the Decisions That Matter the Most
Author, Steven Johnson, draws on history and cognitive science to provide practical strategies for improving decision-making when the stakes are high, and the path forward is uncertain.
Stress Test: Reflections on Financial Crises
Author, Timothy F. Geithner, former U.S. Treasury Secretary, offers a detailed account of the 2008 financial crisis from his perspective inside the government. Geithner explores the rationale behind controversial decisions, addresses criticism surrounding moral hazard, and discusses the creation of the Consumer Financial Protection Bureau. This memoir provides a comprehensive look at crisis management and the complexities of financial reform.
For more investment reads, check out our QuantyPhi Reads selection.
Spotlight on SimpliCD
Simplify your strategy and amplify returns with SimpliCD.
Strengthen your credit union's liquidity with SimpliCD Issuance. Now is an ideal time to take advantage of competitive issuance rates and flexible solutions designed for evolving liquidity needs. SimpliCD Issuance enables credit unions to:
- Access non-member deposits quickly to support lending and operational growth
- Customize issuance amounts to fit your liquidity strategy, whether $250,000 or $25 million
- Benefit from streamlined processes, consolidated interest payments, and no transaction fees
- Rely on expert support from QuantyPhi's dedicated sales team
Contact your QuantyPhi representative to discuss how SimpliCD Issuance can help your credit union optimize liquidity and meet member needs and watch the short informational video about SimpliCD Issuance above.
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