Accolade Asset/Liability Advisory Services

Introducing the CECL Solution from Accolade

Accolade Analytics has the CECL solution you've been looking for. The web-based platform keeps the process easy and cost-effective so you can get your credit union CECL ready TODAY

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Accolade Market Update - June 23, 2022

This week Accolade presents our Recession Watch, analyzing a series of economic indicators for the likelihood of a recession in the short-term. This is followed up with a look at investment opportunities.

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Understanding Unrealized Loss on AFS Securities

With the rapid expansion of CU balance sheets over the last two years, paired with a rapidly evolving interest rate environment, it may be time to reconsider how you classify securities in your portfolio.

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CECL Solution

Accolade Analytics
Recession Watch

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Unrealized Loss on AFS Securities

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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

Bond Meltdown Offers Highest Investment Rates in 15 Years

Over the last nine months we have seen the biggest yield curve shock in over twenty years. After the CPI print for May came in at a higher than expected 8.6% year-over-year rate, the yield curve has rocketed even higher and we are seeing red across virtually all bond prices.

Understanding the Unrealized Loss on Available-for-sale Securities

Unrealized losses are accumulating to very high levels for a few reasons: 1) Interest rates moved up a lot in the last year, causing market values on current investments to plummet, 2) investment portfolios are a larger portion of overall assets than normal, and 3) there is a broad precedent to hold most CU investments as AFS in the industry. Why?

What’s new with CU Clarity, our CECL Warm Solution – Q1 2022 Release

High Level Release Notes

TDR & Impaired screen has changed to Specific Reserves, to adjust for FASB changes to TDR Requirements. Read more below....
A new feature to calculate weighted average remaining maturity values for each loan pool based off your loan-level information, creating a CECL reserve precise to your credit union. Read more...
Verbiage improvements throughout the application, based off user feedback, to promote better understanding and use of the product.
CU Clarity will be undergoing a name change to Accolade Analytics to better represent the future vision of the product. You will see this name change happening slowly, but this will not impact how you use the tool.

Stabilize Investment Income with Strategy

Investment strategy can be intimidating when rates are moving. Credit Unions are not compensated to speculate on interest rate moves, nor can anyone perfectly time the market. A sound investment strategy should be part of a wholistic balance sheet strategy that ensures stable income regardless of the rate environment.

TDR Requirements Eliminated for CECL Adopters

A CUNA-supported proposal to eliminate the TDR requirements should lower the overall complexity of managing and reporting credit union loan portfolios

The CECL Journey: Steps to Meeting the New Standard

Not sure where to start with CECL? Accolade has prepared a timeline to help you breakdown the daunting task into easy to follow quarterly milestones.

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