ALM360: Integrated Balance Sheet Management for Credit Unions

Unify analytics, execution, and benchmarking to make smarter, faster and more confident decisions.

Book a Demo

What is ALM360?

ALM360 is a comprehensive, modular solution designed to help credit unions manage risk, optimize performance, and execute strategy with precision. By consolidating all balance sheet management tools into a single ecosystem, ALM360 transforms how institutions understand and enhance their financial health.

At its core, ALM360 features a shared data and modeling engine that powers every module, from asset-liability management (ALM) and Current Expected Credit Loss (CECL) to investment and loan trading, financial simulation, balance sheet optimization, trade simulation, and peer analytics. This ensures that every tool operates from the same set of assumptions, inputs, and real-time balance sheet data.

Benefits

Complete Integration: Access modeling, trading, reporting, and benchmarking in one centralized platform.
Real-Time Strategy Execution: Benefit from live pricing, scenario modeling, and seamless ALM integration.
Regulatory Compliance: Built-in tools for ALM, CECL, liquidity, and peer benchmarking support regulatory readiness.
Consistent Modeling: A unified data engine ensures consistency and alignment across all modules.
Scalable Design: ALM360 supports both full and simplified ALM modeling, making it suitable for institutions of any size.
Audit-Ready Reporting: Transparent assumptions and a single source of truth facilitate governance and auditability.

Modules and Capabilities

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. Utilize investments within trade simulation and optimization modules to develop balance sheet strategies. Ability to execute trades within ALM360 is coming soon.

ALM360 vs. Traditional Siloed Systems

Feature/Capability	ALM360 Integrated Platform	Traditional Siloed Systems
Data Model	Single, unified model powers all modules	Multiple, disconnected models per system
Decision Consistency	All decisions based on shared assumptions and real-time data	Conflicting outputs, manual reconciliation needed
Scenario Analysis	Apply scenarios across ALM, CECL, liquidity, budgeting, etc.	Scenarios must be run separately in each system
Reporting	Integrated, real-time board and ALCO reporting	Manual compilation, risk of discrepancies
Collaboration	Cross-functional teams work from the same data and tools	Teams operate in soles, limited collaboration
Auditability & Governance	Transparent, traceable, audit-ready reporting	Difficult to document and trace assumptions
Regulatory Readiness	Built-in compliance tools for ALM, CECL, liquidity, benchmarking	Compliance managed separately, risk of gaps
Workflow	Seamless, interconnected workflow across all functions	Disconnected workflows, frequent data transfers
Scalability	Modular growth path, supports all institution sizes	Scaling requires new systems, retraining staff
Operational Efficiency	Fewer manual processes, reduced errors, faster decisions	Manual processes, higher risk of errors, delays
Real-Time Impact Analysis	Instantly see balance sheet impact of any action	Delayed feedback, limited scenario testing
Cost-Efficiency	Low barrier to entry, cost-efficient onboarding, annual contract	High integration and maintenance costs

Who Should Use ALM360?

ALM360 is built for credit unions seeking a unified platform to manage balance sheet strategy, investment decisions, and loan trading. The solution supports teams responsible for ALM, liquidity, CECL compliance, portfolio optimization, and peer benchmarking, while also empowering investment managers and lending professionals to evaluate trades and assess risk with confidence. Whether your institution needs comprehensive modeling or streamlined analysis, ALM360 adapts to your operational goals and growth plans.

More to Explore

ALM360: The Unified Balance Sheet Management Platform for Credit Unions

By Adam Stone
President of QuantyPhi

Investing with Purpose Starts at the Source

As credit union investment portfolio managers, our primary function is to act as stewards of other people’s money.

Learn More About Beastro

Corporate Central's next-generation, all-in-one platform built to transform how credit unions manage financial transactions, interactions, and cash flow.

CECL Validations: Beyond the Numbers

This article aims to highlight the importance of having your CECL process validated by an experienced and independent third party.