A/LM EDUCATION

The Fundamentals: Using A/LM as a Weapon

Schedule of Classes

The First Step

Our flagship course addresses practical issues that credit unions struggle with daily. If you're like everyone else who has attended this course, you'll leave with a better grasp of the answers when faced with these and other questions:

  • What are threats to the financial services industry that we can no longer ignore?
  • What are other credit unions doing well—and not so well—to manage risk in their balance sheets?
  • What opportunities can be missed by using NEV, traditional income simulation, long-term net worth at risk simulations and rate shocks? What risks will not be seen?
  • How do we decide if we should beef up current earnings at the risk of sacrificing future earnings?
  • What are the fundamental risks and rewards of different investments?
  • What are some common misconceptions regarding regulatory requirements?  What does an effective A/LM policy include?
  • How can success be measured in a changing world?

You'll have the opportunity to work in teams using case studies of real credit unions. We'll quickly test decisions you'd consider if you were managing these credit unions. You'll see how your decisions could change their financial performance and risk profiles.


Advanced Balance Sheet Management Strategies

Schedule of Classes

The Next Step

Decisions, not market interest rates, create risk. In this one-day course we will focus time and discussion on the right questions to ask when contemplating key strategic decisions. Such questions include:

  • What are potential consequences of implementing concentration risk limits into policy?
  • How can we calculate our strategic net worth requirement in order to express risks to net worth in totality?
  • What are some successful strategies implemented by other credit unions? Why were they successful?
  • What is the difference between a static and dynamic simulation, and why should I care?
  • What questions should we considered when quantifying our liquidity needs?
  • What are the dangers of using offering rates in NEV analysis? What is the difference between NEV and the 17-4 test?
  • What are strategies for creating long-term financial forecasts?

Throughout the course we will have roundtable discussions to address specific questions, issues and decisions you may be considering.


Customized Asset/Liability Management Courses Conducted at Your Credit Union...


...specifically designed for board members

We put to work years of experience teaching thousands of credit union board members financial concepts in easy to understand terms. By incorporating experience-based exercises, participants should achieve new levels of confidence and understanding about risk-related concepts in a changing world.

...for CEOs and managements

You have unique needs and may have several managers who would benefit from A/LM education. We can customize our courses to address your unique needs in a cost-effective manner.



Please contact us for additional information or to register for any of our courses.