Services
ALM360
ALM Modeling
The Asset/Liability Management (ALM) Modeling module within ALM360 simulates and analyzes how changes in interest rates, market conditions, and policy limits affect a credit union’s balance sheet.
CECL Modeling
ALM360’s CECL (Current Expected Credit Loss) Modeling modules provide credit unions with two powerful methodologies for estimating expected credit losses.
Financial Simulation
The Financial Simulation module in ALM360 empowers credit unions to anticipate and plan for a wide range of future scenarios. Financial Simulation transforms uncertainty into clarity, supporting both regulatory compliance and strategic growth.
Investment Performance Reports
With integrated reporting and analytics, you can ensure your strategies align with institutional goals, monitor performance, and drive smarter decision-making.
Investment Trading Marketplace
While evaluating potential trades, users can instantly model how a proposed investment will affect Net Economic Value (NEV), Net Interest Income (NII), liquidity ratios, and policy limits, all within the same platform.
Liquidity Reporting
Built on a unified modeling engine, this solution delivers insights and actionable analytics, helping institutions maintain resilience in any market environment.
Loan Central
QuantyPhi’s ALM360 Loan Central module is an electronic loan trading platform designed for credit unions to buy or sell whole loans or participations.
Optimization
The Optimization module in ALM360 helps credit unions identify the most effective actions to improve earnings, reduce risk, and strengthen liquidity, all while adhering to policy limits and governance standards.
Peer Analytics
Benchmark performance and optimize credit union balance sheets with ALM360 Peer Analytics. Create custom peer groups, generate comparative reports, and book a demo today.
Profitability Analysis
QuantyPhi’s ALM360 Profitability Analysis module provides a comprehensive framework for analyzing how individual products contribute to overall earnings.
Simplified ALM Modeling
The Simplified ALM Modeling module is purpose-built for credit unions seeking a fast, accessible, and cost-effective way to participate in ALM360’s strategic planning and risk management capabilities.
Trade Simulation
The ALM360 Trade Simulation module from QuantyPhi is designed exclusively for credit unions seeking smarter, data-driven balance sheet optimization.
Investing / Liquidity
Benchmarking
Benchmarking allows credit unions to instantly determine how efficient their investment decision-making is relative to the amount of risk they are incurring.
Bond Accounting
Bond accounting provides an easy and effective way to track your institution’s investment accruals, interest payments, amortization, and accretion.
Liquidity Framework Review
The Liquidity Framework Review will analyze the robustness and effectiveness of your internal liquidity program, liquidity risk management framework, and liquidity measurement and monitoring tools.
SimpliCD Issuing / Investing
The SimpliCD program can help your credit union maximize profitability with excess funds, attract new deposits, and simplify your cash flow management and recordkeeping processes.
Risk Modeling
ALM Validation
ALM model validation assures credit union leadership that the interest rate risk measurement process accurately displays the risk exposure of their credit union and follows all regulatory guidelines.
Consulting
Board / ALCO Training
QuantyPhi provides ALM, investment, liquidity, and risk management training through individual, in-person, or virtual meetings, seminars, and workshops.
Mortgage Servicing Rights Analysis
QuantyPhi’s sophisticated MSR valuation model calculates the value of a credit union’s mortgage loan servicing income on loans that have been sold, but for which the servicing rights are retained as an income stream.
Non-Maturity Deposit Analysis
Non-Maturity Deposit Analysis is a statistical review of credit union’s share accounts to estimate their price sensitivity and expected life of to better enable ALM assumption setting and strategic planning.
Policy Review
A Policy Review helps your credit union by suggesting areas for improvement, addressing items to change, and ensuring compliance with all applicable regulations.
Current Expected Credit Loss (CECL) Validation
QuantyPhi's CECL Validation service is designed to ensure your credit union's compliance with the Current Expected Credit Loss (CECL) accounting standard.
Why Choose QuantyPhi?
More and more credit unions are partnering with QuantyPhi balance sheet optimization services because Quantyphi is a trusted, experienced, financial services CUSO - 100% focused on credit unions, owned by credit unions, and serving only credit unions.