ALM Modeling
The Asset/Liability Management (ALM) Modeling module within ALM360 simulates and analyzes how changes in interest rates, market conditions, and policy limits affect a credit union’s balance sheet.
- Model multiple interest rate scenarios and stress tests to understand potential impacts on earnings and economic value. Apply custom assumptions for more accurate forecasting.
- Track and visualize policy compliance in real time. Set alerts for breaches and monitor sensitivity to changing market conditions.
- Interactive dashboards for ALCO and board meetings. Consistent, transparent numbers for every stakeholder.
- Drill down to individual balance sheet instruments and charts of account products for targeted analysis. Identify risk areas and opportunities for optimization.
- Unified data model powers all ALM360 modules, ensuring decision consistency and eliminating manual reconciliation.
- Full instrument-level ALM Modeling supports complex balance sheets and meets all regulatory requirements.