Accolade Asset/Liability Advisory Services

ALM Model Assumptions

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2021 Economic Update and CU Strategy Webinar

This recording provides an economic overview and offers strategies for credit unions to optimize their balance sheet

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Introducing CU CLARITY

Your online ALLL and CECL solution

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ALM Model Assumptions

What are beta and decay?
2021 Economic Update

Update on the state of the economy and strategies to employ
Introducing CU CLARITY

Your online ALLL and CECL solution

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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News & Events

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.

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.

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