Jump to main content

Investment Services

QuantyPhi validation reviews six important areas of Interest Rate Risk (IRR) management:

  1. Objective Data Review
  2. Subjective Assumptions Data Review
  3. Review of Balance Sheet Risk and Appropriateness of Modeling Focus
  4. Review of Asset/Liability Committee (ALCO) and Board Reporting
  5. Review of Separation of Duties
  6. Recommendations

Observing the Asset Liability model input, assumptions and output, we will document the process of IRR measurement, suggest any changes to the process necessary and review relevant policies related to IRR measurement and management. The process of IRR model validation is built to conform to the standard business practices of IRR management known to industry practitioners.

Learn More 

QuantyPhi is a wholly-owned CUSO of Corporate Central Credit Union

A solid ALM program is critical for the success of all credit unions. At QuantyPhi we will provide state of the art analytics and in house expertise to identify interest rate risk on the balance sheet and help you manage that risk across diverse interest rate paths.

As a wholly owned CUSO of Corporate Central, we know credit unions. Our ALM program addresses all NCUA 12-CU-11 requirements. Our ALM experts will help you interpret the reports and optimize your balance sheet allowing you to service your member’s needs while maintaining income goals, risk tolerance and liquidity needs.

Learn more 

QuantyPhi is a wholly-owned CUSO of Corporate Central Credit Union

Assisting credit unions with multiple challenges including revenue projections and valuations, capital building strategies Net Income Simulation assumptions and board/ALCO education sessions.

Learn More 

QuantyPhi is a wholly-owned CUSO of Corporate Central Credit Union

QuantyPhi’s benchmark is a standard against which the performance of the structured products of the balance sheet can be measured.

The information gained from benchmarking allows credit unions to determine how efficient their investment decision making is relative to the amount of risk they are occurring. Benchmarking is usually an ongoing process in which credit unions continuously seek the improvement of their financial health.

Benchmarking assists CEOs, CFOs and other credit union leaders to define the optimal strategy for their credit union. This enables them to identify where the investment decisions leads, lags or remains at par with other portfolio selections. In addition, benchmarking provides the basis by which the credit unions can articulate key investment options, helping to identify what types of securities to build in their portfolios.

Learn More 

QuantyPhi is a wholly-owned CUSO of Corporate Central Credit Union

Corporate Central will partner with your credit union to understand your investment objectives and provide you with suitable risk appropriate investment securities.  We are committed to finding securities that meet your objectives, and will deliver them to you at a fair price.

 View Current Rates

*Advisory Services offered through Investment Advisors, a division of ProEquities, Inc., a Registered Investment Advisor. Securities offered through ProEquities, Inc., a Registered Broker/Dealer, and member FINRA and SIPC.  Corporate Central Credit Union is Independent of ProEquities, Inc.

Corporate Central offers several investment options with terms to meet your needs.  On most occasions, we can customize or create a certificate specifically for your credit union.

Certificates of Deposit

Certificates of Deposit (CDs) are available daily with terms ranging from 30-days to five-years.  Dividends can be paid monthly, at maturity or semi-annually.

CD Specials

From time-to-time, we will make CD Specials available with particularly attractive terms and yields given the market conditions.

Amortizing Certificate Programs

Amortizing Certificate Programs (ACP) are fixed-rate amortizing certificates that offer yields competitive with mortgage-backed securities.  ACP investments reduce extension and market risk that is associated with mortgage-backed products.

Callable Certificates

Callable Certificates get their name because Corporate Central has the option to "call" or pay back certificates prior to maturity, according to a schedule that is predetermined and disclosed up front.  These investment alternatives often times yield higher than regular certificates with the same maturity.

Fed Funds Floating Rate Certificates

The one way floater floats quarterly at a fixed spread to the three-month LIBOR (London Inter-Bank Offering Rate).  The floater has an interim cap which may limit the increase in its rate for the quarter; however, it has a floor equal to the current coupon, ensuring the rate will not decrease.

Step-Up Certificates

Step-Up Certificates offer a fixed-rate for a predetermined period of time.  Once that period of time expires, the certificate is either called or it steps-up to a higher rate that was predetermined. 

View Current Rates

LIBOR Investment Account

Our LIBOR Investment Account is a short-term investment account with minimum transfers of $500,000 executable on Tuesdays only.  If Tuesday is not a business day, members may transfer funds on Wednesday.  The LIBOR Investment Account offers higher yields than settlement accounts with a shorter commitment.

Money Market Account

Our Money Market Account is an account that requires a minimum of $2 million in order to earn a dividend.  Dividends will progressively increase depending on the amount deposited.  There are no limits on deposits; however, withdrawals are limited to 3 per month.

Plateau Account

Our Plateau Account is a variable rate account that combines settlement and cash management services.  Depending on your cash position at the end of the day, your Plateau Account will either pay a dividend on a positive balance or advance a loan on a negative balance.  Users can review detailed activity reports and advance settlement loans automatically.  Also, dividends increase as deposits increase.  As balances grow and the next plateau level is attained, the higher plateau rate is paid on the entire balance.

PLUS Account

Our PLUS Account is a floating rate investment account that can adjust daily.  It offers enhanced short-term yields while maintaining flexibility.  Minimum investment is $500,000 and withdrawals are limited to 4 per month.  Excess withdrawals are subject to penalty.  Your PLUS Account can be used to enhance yields over the weekend as it offers higher yields than the Plateau Account.

Premier Investment Suite

Our Premier Investment Suite is a self-directed, self-managed package of services that gives you the opportunity to allocate funds between settlement, investment and loan accounts to maximize returns.  You have easy access to excellent overnight rates and the lowest overnight loan rates Corporate Central has to offer.

Variable Account

Our Variable Account is a short-term floating rate investment account with a commitment of at least 30 days.  At the end of the commitment period, the funds are automatically transferred to your settlement account.  The Variable Account offers a yield that mirrors current market rates.

View Current Rates

QuantyPhi will review asset liability management, liquidity, and investment policies. Emphasis in the review will be ensuring policies address NCUA Letter 12-CU-05 addressing Interest Rate Risk Policy and Program Requirements. Reviews will include suggested areas of improvement or change to comply with both the letter and spirit of “best practice” regarding IRR management.

Learn More 

QuantyPhi is a wholly-owned CUSO of Corporate Central Credit Union

QuantyPhi brings cutting edge analytical tools which will help you build an investment portfolio that truly syncs with your balance sheet. It examines income, risk and liquidity profile of the portfolio across a variety of interest rate scenarios enabling you to eliminate surprises and optimize balance sheet management.

Learn More 

Quantyphi is a wholly-owned CUSO of Corporate Central Credit Union

QuantyPhi’s risk modeling helps in predicting the performance of investments, loans or liability portfolios and the magnitude of unfavorable market changes, such as interest rate changes and yield curve twists.

Risk modeling is about measuring the quantity of risk that is inherent in certain instruments. For the credit union industry, the examples of credit-risk creating potential losses are, delinquent loans held by members, or market-risks producing potential losses due to negative fluctuations of a portfolio's market value.

Risk modeling provides an opportunity to gain insight to your credit union’s risk profile and create unique balance sheet portfolios to address it. QuantyPhi can provide hypothetical scenarios, and design the most efficient strategy to manage risks and optimize your balance sheet.

Learn More 

QuantyPhi is a wholly-owned CUSO of Corporate Central Credit Union

Through our Security Safekeeping program, your credit union has access to convenient, dependable settlement and safekeeping of your investment securities through a partnership with the only credit union owned trust administration provider that clears directly with the Deposit Trust Company (DTC) and the Federal Reserve.  Settlement, principal and interest payments are posted directly to your settlement account at Corporate Central.

Learn More

SimpliCD is a CD program, managed by Primary Financial Company, LLC, a CUSO owned by members of the Corporate Credit Union Network including QuantyPhi.  SimpliCD enables members to easily invest substantial funds in federally insured CDs. This turnkey program combines the security of CD investing with the advantages of competitive rates and consolidating reporting. When you start investing through SimpliCD, your life gets a little less complicated.

Learn More View Current Rates 

QuantyPhi is a wholly-owned CUSO of Corporate Central Credit Union

QuantyPhi will work closely with your Board/ALCO/staff to provide training on asset liability management or other balance sheet management topics. We provide training through one-on-one meetings, live seminars/workshops and webinars. Quantyphi.com is user friendly and allows you to submit quick questions. QuantyPhi values the availability of information to our customers; therefore; has dedicated a page that displays helpful industry links, and relevant books along with other reading material that you may enjoy.

Learn More 

QuantyPhi is a wholly-owned CUSO of Corporate Central Credit Union

Our Family of CUSOs

Emergifi Logo Interlutions CUSO Quantify CUSO

Corporate Central Credit Union
6262 South Lowell Place, Muskego, WI 53150
Phone: (800) 242-4747 | Fax: (414) 427-3700
Privacy Policy | Disclosures

Powered by SmartSource Solutions, LLC
Copyright © 2018 | All Rights Reserved