CECL Modeling
ALM360 offers both PD-LGD and SCALE so every institution can select the model that best fits its operational needs and regulatory requirements.
Choose the Right Model for Your Credit Union
Discover how ALM360's flexible CECL Modeling options can help your credit union achieve compliance, streamline reporting, and gain deeper insights into portfolio risk. Whether you need granular analytics or a simplified approach, our platform adapts to your needs and grows with your institution. Both models are designed to meet CECL standards, but each offers distinct advantages depending on your credit union's size and portfolio complexity.
PD-LGD Model
- Granular, risk-sensitive modeling
- Tailored for credit unions with diverse or complex loan portfolios
- Deep insights and advanced modeling
SCALE Model
- Streamlined, efficient implementation
- Ideal for smaller credit unions or straightforward loan portfolios
- Rapid onboarding and compliance with minimal data requirements
Ready to See ALM360 in Action?
Book an ALM360 Demo today to explore both PD-LGD and SCALE modules and see how easy it is to optimize your credit union's credit loss forecasting.