ALM360: Integrated Balance Sheet Management for Credit Unions
Unify analytics, execution, and benchmarking to make smarter, faster and more confident decisions.
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.
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
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.
ALM360 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.
ALM360 vs. Traditional Siloed Systems
ALM360 Integrated Platform
Single, unified model powers all modules
Traditional Siloed Systems
Multiple, disconnected models per system
ALM360 Integrated Platform
All decisions based on shared assumptions and real-time data
Traditional Siloed Systems
Conflicting outputs, manual reconciliation needed
ALM360 Integrated Platform
Apply scenarios across ALM, CECL, liquidity, budgeting, etc.
Traditional Siloed Systems
Scenarios must be run separately in each system
ALM360 Integrated Platform
Integrated, real-time board and ALCO reporting
Traditional Siloed Systems
Manual compilation, risk of discrepancies
ALM360 Integrated Platform
Cross-functional teams work from the same data and tools
Traditional Siloed Systems
Teams operate in silos, limited collaboration
ALM360 Integrated Platform
Transparent, traceable, audit-ready reporting
Traditional Siloed Systems
Difficult to document and trace assumptions
ALM360 Integrated Platform
Built-in compliance tools for ALM, CECL, liquidity, benchmarking
Traditional Siloed Systems
Compliance managed separately, risk of gaps
ALM360 Integrated Platform
Seamless, interconnected workflow across all functions
Traditional Siloed Systems
Disconnected workflows, frequent data transfers
ALM360 Integrated Platform
Modular growth path, supports all institution sizes
Traditional Siloed Systems
Scaling requires new systems, retraining staff
ALM360 Integrated Platform
Fewer manual processes, reduced errors, faster decisions
Traditional Siloed Systems
Manual processes, higher risk of errors, delays
ALM360 Integrated Platform
Instantly see balance sheet impact of any action
Traditional Siloed Systems
Delayed feedback, limited scenario testing
ALM360 Integrated Platform
Low barrier to entry, cost-efficient onboarding, annual contract
Traditional Siloed Systems
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
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