Accolade Asset/Liability Advisory Services

Don't Fall for the Default

If you’re settling for the default WARM value, you may be over or underreservering becauseyou are not accounting for the nuances of your credit union’s prepayment speeds and terms. Learn how the WARM value impacts your reserves and how Accolade's solution does all the heavy lifting

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Are your loans profitable?

Accolade's newest addition to its loan analytics platform provides insights into your portfolio's profitability and pricing needs. You can leverage the data to make informed lending decisions that benefit both your members and your institution. Watch the webinar to learn more

Accolade Market Update - October 31, 2024

In this week's video, JD starts with a recap recent economic data and expectations for the elections. Phil then provides a refresher on non-maturity deposit betas and their significant role within an asset-liability model. We wrap with a look at borrowing rates and investment opportunities for credit unions.

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WARM Value

How it impacts your reserves
Loan Profitability

New Solution
Market Update

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A wholly-owned CUSO of Corporate One Federal Credit Union since 2007

Who We Are

Accolade Advisory was founded in 2007 with the mission of strengthening credit unions by providing financial advice and tools. We offer reporting tools to provide insight, knowledgeable staff to facilitate asset and liabilitiy committee (ALCO) meetings, and dedicated investment advisers to provide portfolio management.

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Education & Events

Accolade develops educational content as part of our commitment to supporting credit unions. You can enjoy up to date information on market conditions, informative articles and white papers, and training webinars. Sign up for content delivered to your inbox.

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News & Events

From Rate Matching Member CDs to Non-Member Deposits: A Strategy in Focus

For credit union CEOs and CFOs, considering non-member deposits could be an opportunistic move to enhance liquidity management while securing financial sustainability in a fluctuating rate environment.

Senior Loan Officer Opinion Survey: Insights for Credit Unions

Credit unions need to understand current and expected lending and credit risk trends in order to assess their pricing, terms, and underwriting standards. The Senior Loan Officer Opinion Survey analyzes standards, demand, and terms among 84 banks, identifying a baseline for the banking industry as a whole.

Managing Liquidity Risk with Accolade’s Support

In January, the NCUA circulated an advisory note on Liquidity Risk Management, highlighting the funding pressures that credit unions are experiencing due to high loan demand and slower share growth. A few days later, the NCUA released their supervisory priorities for 2024 which listed Liquidity Risk right after Credit Risk at the top. With the bank failures of 2023 fresh in our collective memories, many credit unions have spent the last year balancing the operational needs to continue funding loan demand while also seeking to proactively expand emergency liquidity sources. In this memo, we will overview the NCUA’s key areas of focus for effective liquidity risk management along with the resources that Accolade is able to provide to support your risk management program.

Labor Market Points Towards Recession Despite Consensus Shifting To Soft Landing

The national jobs picture is indicating that the recession risk which has hung over the economy this past year is as present as ever.

Labor Data Points to Recession

Friday’s soft labor market data indicated that the US economy is consistent with the Fed’s goal of slowing the economy.

Have We Landed Yet?

A weak first quarter of economic data supported the thesis that a recession was around the corner, but continued strength in the labor market fueled a rebound in consumer spending which has failed to wilt in the face of higher interest rates.

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From the Blog