Profitability Analysis
QuantyPhi's ALM360 Profitability Analysis module provides a comprehensive framework for analyzing how individual products contribute to overall earnings.
Understand What Drives Your Margins
Through market-based benchmarking and transparent reporting, institutions can make informed decisions, enhance operational efficiency, and present results with confidence to boards and regulators.
Benefits
- Make confident pricing and product decisions based on real profitability data.
- Uncover opportunities to improve efficiency and grow revenue.
- Gain transparency and accountability with clear visibility into earnings components.
- Support investment and lending strategies through dependable margin comparisons.
How does it work?
- Funds Transfer Pricing (FTP): assigns a market-based cost or credit to every asset and liability, isolating the true funding margin of each product.
- Funding margin breakdown: separates net interest margin into contributions from lending, deposits, and investments so you can see what is truly driving earnings.
- Product- and portfolio-level reporting: evaluates profitability across product lines, portfolios, and time periods with consistent assumptions.
Why Choose ALM360 Profitability Analysis
- Built on a transparent FTP framework aligned with credit union balance sheets and regulator expectations.
- Integrated with ALM360 modules so profitability shares the same data, assumptions, and rate scenarios used in ALM and liquidity reporting.
- Designed for board and examiner audiences, with reporting that explains margins, drivers, and trends in plain, defensible language.
Ready to See ALM360 in Action?
Book an ALM360 demo with QuantyPhi today and discover how the Profitability Analysis module can unlock your credit union's true margins.