Asset Liability Management
Trusted ALM for Complex Financial Decisions
Specialized Expertise, Connected Through Tricorp
Strong ALM starts with a clear understanding of how your credit union’s assets, liabilities, liquidity, and interest rate exposure work together. Our member credit unions deserve access to the specialized expertise they need, even when that expertise comes from outside our own walls. Through our partnership with AIM, member credit unions can connect with experienced ALM specialists who provide tailored modeling, validation, stress testing, and strategic guidance for your institution’s size, complexity, and goals.
An ALM Partner We Trust
Tricorp knows when the best way to support our members is to bring in specialized expertise. That’s why we partner with AIM, whose team has worked with credit unions of all sizes since 1992 and provides practical, impartial guidance around increasingly complex ALM needs.
AIM’s individualized approach mirrors our own: understand the credit union first, then tailor the analysis, reporting, and education to fit its size, complexity, and goals. Their team also puts a strong emphasis on helping management, boards, ALCOs, and staff understand what the numbers mean so they can use that information to make better decisions.
ALM Services Available Through AIM
AIM’s analysis is designed to go beyond regulatory requirements, giving leadership practical information about interest rate risk, deposit behavior, liquidity, and other factors that can affect financial performance.
Get customized ALM reporting that combines ratio analysis and peer comparisons with detailed income simulations and tools for measuring interest rate risk. Credit unions can also run “what-if” scenarios to see how changing rates or other assumptions could affect performance, with reports delivered on a schedule that fits the institution’s needs.
As ALM models become more complex, an independent review can provide valuable reassurance for both leadership and regulators. AIM conducts unbiased, third-party validation of the full ALM process to answer questions, identify potential weaknesses, and highlight areas that may need improvement.
Understanding how deposits behave is essential to accurate modeling and informed pricing decisions. Through Core Deposit Studies and Rate Sensitivity Analyses, AIM evaluates relevant patterns and works with your credit union to develop realistic, conservative assumptions for use in IRR modeling and planning.
Turn potential liquidity risk into something your team can measure and plan around. Customized sources-and-uses analysis and stress scenarios can identify shortfalls, uncover trends, and help your credit union determine where additional planning or funding may be needed.
Need additional access to funding? Explore Tricorp’s Liquidity Solutions.
Opportunities for management teams, boards, ALCOs, and staff to better understand ALM reports and the decisions they inform are built into AIM’s periodic reporting. They also offer specialized analysis including merger analysis, cash flow modeling, fair value reporting, prepayment modeling, budget preparation, policy review, and peer analysis as needed.
Turn ALM Insights Into Action
ALM reports are most useful when they connect directly to the financial decisions your credit union is making. Tricorp can support that next step with services designed to help you manage both excess funds and future funding needs.
Investment Solutions
Put excess funds to work with investment and cash management options aligned with your credit union’s goals, liquidity needs, and risk profile.
Liquidity Solutions
Prepare for current or future funding needs with flexible borrowing and liquidity options built around your credit union.
Start Coordinating ALM Support
Ready to explore whether AIM’s ALM services are a fit for your credit union? Tricorp can provide more information, talk through your needs, and help coordinate the right next steps with the AIM team.