The Balance Sheet & Investment Portfolio Risk Assessment service is an unbiased third-party review and analysis of your credit union's balance sheet and investment portfolio.

It is one of our most-requested services. Our program consists of the following critical elements:

• Asset/Liability Management Review
  
• Investment Portfolio Analytical Summary
  
• A personal presentation of ALM First's findings and recommendations to reduce risk and increase investment portfolio earnings
  
  

Below is a summary of what information is included with this service:

Asset/Liability Management Review
ALM First uses the most technologically advanced analytical models to perform complete asset/liability management assessment of the credit union's balance sheet and income statement. This includes a static GAP analysis, net interest income (NII) simulation analysis and a net economic value (NEV) analysis.

Investment Analytical Summary
The summaries we provide will comply with all NCUA Part 703 Regulation requirements. The summary includes portfolio weighted-average-life sensitivity, portfolio price shocks as a percentage of capital, duration, convexity and other analytical measures as needed.

Personal Presentation of Findings
ALM First is committed to assisting your credit union in understanding the results of our findings and how they may affect it. At your request, we will present our findings to your board of directors or other designated parties.

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