Accolade Asset/Liability Advisory Services

NCUA Derivatives Ruling

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Introducing CU CLARITY

Your online ALLL and CECL solution

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Learn about Credit Union Investments: Intro to Agency CMOs

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NCUA Derivatives Ruling

Read About the Game Changing News
Introducing CU CLARITY

Your online ALLL and CECL solution
Webinar

Introduction to CMOs

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 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

Future of floating rates: Libor Endgame

THE U.K. FINANCIAL CONDUCT AUTHORITY HAS CONFIRMED MOST USD LIBOR RATES WILL BE PUBLISHED THROUGH JUNE 30, 2023, PAVING A CLEAR PATH TO ELIMINATE LIBOR RISK FOR MOST CREDIT UNION INVESTMENTS.

Recent NCUA Derivatives Ruling Is A Game-Changer For Many Credit Unions

The updated rule will allow more credit unions to use this balance sheet management tool while managing interest rate risk and pursuing income strategies.

CECL: It’s still coming… How to find your CECL solution

Despite COVID, the economic crisis and several attempts to have CECL delayed further, CECL will still be effective for credit unions on Jan. 1, 2023. That seems a long way off, and you might be tempted to ignore CECL for the time being. However, many institutions that are already required to comply have stated they wish they had started the process earlier. Many would argue that the economic crisis and the potential for increased charge offs make CECL more relevant than before.

Understanding CECL: The basics

As we move one year closer to the implementation of the Financial Accounting Standards Board’s (FASB’s) new CECL rules, which overhaul the way credit unions calculate ALLL (allowance for loan and lease losses), Accolade is here to provide guidance to your credit union.

Measuring Interest Rate Risk: NEV

NEV is one of two measurements that ALM modeling uses to assess your interest rate risk. NEV stands for net economic value and is sometimes referred to as the economic value of capital at risk. NII represents net interest income, sometimes referred to as the income simulation. In this article, we’ll define NEV and discuss examples of how to read the measurements.

Understanding Interest Rate Risk

ALM modeling is used to gain insight into the potential impacts of changing interest rate environments on both the credit union’s equity or capital as well as its profitability or ability to generate earnings. In short, ALM modeling is for measuring interest rate risk.

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