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Answers to commonly asked questions.

Some questions we hear every time we meet a new client – What is an RIA? Can you help me with the regulators? What makes you different than the other advisors? The answers to all these questions (and more) are below. If you have a question and don’t see it answered here, you can contact us for a prompt response.

ALM takes a strategic look at how to structure the balance sheet in response to risks such as liquidity, credit, capital and int

With Accolade’s turnkey ALM Advisory service, you are free to manage your credit union and let us worry about building and running ALM models. Additionally, when you consider all the costs of running an internal model our outsourced solution can be a cost effective solution.

An ALM Advisory can provide a host of benefits, including:

  • Business continuity
  • Access to full-time ALM professionals
  • Detailed reporting that meets regulatory requirements
  • Ease of running alternate scenarios

We are Asset Liability Management advisors, not software providers. And, as such, credit unions get insight into what the numbers mean and not just another set of reports.

We believe ALM education and understanding of model results are both very important. Included in our service is time to discuss results with both management and the ALCO as needed.

We utilize your loan, share and investments files to build out a custom model based on your account level data.

Yes. We provide accurate and detailed NEV, NII and GAP reporting to meet the regulatory needs of credit unions.

With Accolade ALM Advisory, your credit union will receive detailed account-level results (all the way down to collateral type and credit grade), cash flows, security analysis by CUSIP, assumptions as well as other needed reports with each run. We provide full transparency.

Accolade uses a philosophy of applying standard assumptions with the ability to customize. For example, prepayment rates are set from national average, with the ability to adjust for prepayments in a particular market.

Yes – each model run comes with an approximately 30 page report of analysis explained in text and in charts.