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Catalyst Strategic Solutions' dynamic liquidity stress analysis tool can identify liquidity shortfalls across various stress scenarios. It's also able to project net cash flows based on a variety of factors and ensure excess liquidity does not create a drag on capital growth. Learn more below or contact a professional today.

Asset/Liability Management (ALM) Services

Catalyst Strategic Solutions' ALM Service understands that balance sheet risk management is an ever evolving challenge. Therefore, ALM Services empower credit unions, regardless of size or complexity, with actionable data. That data equips credit unions to manage their balance sheets effectively in a fluid economic environment.

Catalyst Strategic Solutions' highly experienced ALM team leverages a full range of services. The team nurtures industry relationships to stay abreast of market activity and to deliver customized solutions for clients.

The ALM Service offers two distinct ALM platforms to meet credit unions' diverse balance sheet requirements and management expectations. Both platforms are certified by an independent third party. This certification gives credit unions and their examiners confidence in the ALM models.

The ALM team works directly with credit unions to develop customized solutions that achieve results. Professional services include:

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ALM reporting

ALM reporting packages with customizable options deliver reliable results to improve decision making. Independently certified models accurately quantify risk, supported by the fastest standard turnaround times, with no added fee.
ALM model validation

The ALM team is a long term national provider of validation services spanning all ALM models. The ALM team delivers an independent evaluation credit unions' ALM programs. This is done using sophisticated models, industry best practices and the most current methods. This allows the ALM team to verify the soundness (accuracy/validity/reasonableness) of risk management solutions and identify areas for potential improvement.
ALM model assumption review

A review is conducted of key modeling assumptions used in the risk management system, whether run internally or outsourced. Key assumptions are evaluated and tested for accuracy and reasonableness. Material differences are identified, summarized and presented, along with recommendations.
Data integrity analysis

Detailed examination of balance sheet data files uncovers errant loan and deposit account elements. The review routinely reveals data omissions and inconsistencies due to data entry errors, mergers or core conversions. Identifying potential areas of improvement helps create a more accurate and reliable reporting process. Finding errors before members do helps maintain member confidence.
Non-maturity deposit analysis

Non-maturity deposit assumptions have an enormous impact on the reported interest rate risk exposure. Examiners continue to place tremendous emphasis on understanding non-maturity deposits, as well as the modeling assumptions. This analysis evaluates account level historical data to identify specifics on withdrawal behavior, as well as demographic attributes.
Mortgage servicing rights analysis

Mortgage servicing rights analysis maintains and enhances member relationships. This helps manage balance sheet risk and produces income. The analysis determines the fair value of servicing rights, while assessing any impairment.
Liquidity stress analysis

This dynamic projection identifies liquidity shortfalls across various stress scenarios. The analysis projects net cash flows based upon multiple factors. Those factors include growth, unfunded commitments, deposit runoff and changes in interest rates.

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The above service offerings are further supplemented with:

Online "what-if" capability

Empowering users to perform “on-the-fly” analysis simply by logging into TranZact. Allows managers to perform ad hoc analysis and generate instant ALM results. It is perfect for a quick answer during Board and ALCO meetings, strategic planning, and even brainstorming sessions.
Analysis review

Work with a dedicated professional that reviews your analysis and offers consultation with management, the Board, or ALCO.
Policy assistance

Review and update policies as needed to ensure proper control, compliance, and oversight, considering asset size and balance sheet complexity.
On-site visits

Our staff has extensive knowledge and experience in ALM and balance sheet management. In-person visits can be tailored to meet your needs.
Fair Value reporting

A fair value analysis provides a concise view of the current balance sheet based on current market conditions.

Beyond traditional ALM services, Catalyst Strategic Solutions also assists in the following areas:

Balance sheet advisory
Derivative hedging
Bond accounting
Investment portfolio reporting

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