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Share Deposit Analysis

What is share deposit analysis?

Credit union share deposit analysis reviews the non-maturing deposit accounts of a credit union to estimate the sensitivity and expected life of those accounts. Understanding the past behavior of members and their deposits gives a credit union insight into the likelihood of these accounts in the future.

Why is deposit analysis important?

The information gained from share deposit analysis allows credit unions to determine whether or not their less expensive funding is likely to remain available. A-L modeling, or income simulation, requires assumptions are made on these deposits and a proper analysis gives a sound basis for these assumptions.

Who does share deposit analysis help?

A-L modeling allows CEOs, CFOs, regulators, and other credit union leaders better understand their credit union’s risk exposure for the non-maturity deposits. It enables them to identify and act upon performance opportunities and potential risk threats in both the short- and long-term. Discovering the price sensitivity and the deposits that may leave in an increasing rate environment helps managers plan the balance sheet strategy more effectively.

Why QuantyPhi?

As a wholly-owned CUSO of Corporate Central Credit Union, we know credit unions. We know how to analyze previous pricing and balance information and calculate the relevant statistical review. Separating and properly modeling sticky and non-sticky deposits will help avoid inferior modeling assumptions.

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