ALM360: Integrated Balance Sheet Management for Credit Unions

Unify analytics, execution, and benchmarking to make smarter, faster and more confident decisions.

Book a Demo

Platform Overview

ALM360 is a modular, end-to-end platform empowering credit unions to manage risk, optimize performance, and execute strategy with precision. It unifies all balance sheet management tools under one ecosystem, transforming how institutions understand and optimize their financial health.

At the heart of the platform is a shared data and modeling engine that powers every module, from ALM and CECL to trading, budgeting, and peer analytics. This means that every tool is working from the same assumptions, the same inputs, and the same real-time balance sheet view.

Book an ALM360 Demo

Benefits

End-to-End Integration: Modeling, trading, reporting, and benchmarking in one place.
Real-Time Strategy Execution: Live investment pricing, scenario modeling, and ALM integration.
Regulatory Readiness: Built-in tools for ALM, CECL, liquidity, and peer benchmarking.
Unified Modeling: Shared data engine powers every module for consistency and alignment.
Scalability: Supports both full and simplified ALM modeling for institutions of all sizes.
Auditability and Governance: Single source of truth, transparent assumptions, and audit-ready reporting.

Modules and Capabilities

ALM Modeling
Instrument-level modeling capabilities to simulate NEV, NII, and Net Income across rate paths for precise risk oversight and strategic planning.

Simplified ALM
Quick-start interest rate risk management using call report data—perfect for smaller credit unions.

Liquidity Reporting
Stress-test funding strategies and contingency plans with integrated ALM assumptions for exam-ready evidence.

CECL Modeling (PD-LGD)
Advanced credit loss forecasting with segmentation and scenario conditioning for robust compliance.

CECL Modeling (SCALE)
Simplified CECL compliance for resource-constrained institutions—fast, accurate, and regulator-friendly.

Financial Simulation
Budgeting and forecasting tools that align performance planning with real-time balance sheet data.

Optimization
Turn insights into action with tools that fine-tune strategies for maximum profitability and minimal risk.

Trade Simulation
Evaluate investment and loan trades before execution to understand balance sheet impact instantly.

Profitability Analysis
Evaluate product and portfolio performance with market-based benchmarks and fund transfer pricing.

Peer Analytics
Benchmark your credit union against custom peer groups using comprehensive Call Report data.

Investment Performance Reports
Track security-level and portfolio-level risk metrics for ongoing monitoring and regulatory reporting.

Loan Trading
Buy and sell whole loans and participations seamlessly to optimize portfolio composition and liquidity.

Investment Trading
Access real-time fixed income market inventory with transparent pricing and robust analytics. Utilize investments within trade simulation and optimization modules to develop balance sheet strategies. Ability to execute trades within ALM360 is coming soon.

ALM360 vs. Traditional Siloed Systems

Feature/Capability	ALM360 Integrated Platform	Traditional Siloed Systems
Data Model	Single, unified model powers all modules	Multiple, disconnected models per system
Decision Consistency	All decisions based on shared assumptions and real-time data	Conflicting outputs, manual reconciliation needed
Scenario Analysis	Apply scenarios across ALM, CECL, liquidity, budgeting, etc.	Scenarios must be run separately in each system
Reporting	Integrated, real-time board and ALCO reporting	Manual compilation, risk of discrepancies
Collaboration	Cross-functional teams work from the same data and tools	Teams operate in soles, limited collaboration
Auditability & Governance	Transparent, traceable, audit-ready reporting	Difficult to document and trace assumptions
Regulatory Readiness	Built-in compliance tools for ALM, CECL, liquidity, benchmarking	Compliance managed separately, risk of gaps
Workflow	Seamless, interconnected workflow across all functions	Disconnected workflows, frequent data transfers
Scalability	Modular growth path, supports all institution sizes	Scaling requires new systems, retraining staff
Operational Efficiency	Fewer manual processes, reduced errors, faster decisions	Manual processes, higher risk of errors, delays
Real-Time Impact Analysis	Instantly see balance sheet impact of any action	Delayed feedback, limited scenario testing
Cost-Efficiency	Low barrier to entry, cost-efficient onboarding, annual contract	High integration and maintenance costs

Who Should Use ALM360?

Credit union executives, CFOs, ALCO members, risk and treasury professionals
Institutions seeking scalable, integrated, and compliant balance sheet management

More to Explore

ALM360: The Unified Balance Sheet Management Platform for Credit Unions

By Adam Stone
President of QuantyPhi

Investing with Purpose Starts at the Source

As credit union investment portfolio managers, our primary function is to act as stewards of other people’s money.

Learn More About Beastro

Corporate Central's next-generation, all-in-one platform built to transform how credit unions manage financial transactions, interactions, and cash flow.

CECL Validations: Beyond the Numbers

This article aims to highlight the importance of having your CECL process validated by an experienced and independent third party.