Accolade Asset/Liability Advisory Services

Intro to Floating Rate Investments

A continuation of Accolade's Intro to Investments series, this webinar will cover floating rate investments. Learn about the types and characteristics of these securities and how they fit into the credit union's investment portfolio.

Hidden Risk in Your Balance Sheet?

Why you need to consider the changing economic environment in your balance sheet strategy

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Accolade Market Update

Recap of economic data, the Fed’s tapering plans, a review of current investment opportunities, and a summary on the employee retention tax credit available to some credit unions.

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Webinar

Intro to Floating Rates
Hidden Risk in Your Balance Sheet?

The economic environment is changing, is your balance sheet strategy?
Market Update Video

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

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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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News & Events

The Hidden Interest Rate Risk in Your Balance Sheet

ALM modeling helps to understand the impacts of different interest rate environments on profitability and capital. While consistent and careful review of these reports is critical to strategy, it is doubly so when interest rate moves are anticipated.

Agency MBS and CMOs: What are they?

Agency MBS and CMOs are complex securities. Read more to learn about the differences between them and how they can impact your portfolio.

Modeling Betas and Expected Maturities

Non-Maturity Deposit Accounts are your primary source of funding, but they do not have contractual maturies or repricing schedules. To appropriately assess the interest rate risk of the balance sheet, assumptions must be made as to the rate sensitivity (betas) and expected maturity (WAL/decay rates) of these funds.

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.

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