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Like most credit union executives these days, you wear a lot of hats. You're busy beyond busy, and your needs are constantly changing - especially as balance sheets become more complicated and portfolios become more sophisticated. To complicate things further, you may not have the time, tools and training needed to keep risk and opportunity balanced for peak performance.

But...what if your credit union had an experienced partner that could:

  • Help maximize day-to-day balance sheet performance?
  • Do the never-ending math you don't have time to do?
  • Expertly adjust plans and projections as markets and goals change?
  • Run "what-if" scenarios and strategize for you?
  • Find opportunity on both sides of the balance sheet?
  • Build a balance sheet with muscle, flex and stamina?

The constantly changing interest rate and regulatory environment today is compelling credit unions to actively manage their balance sheets more than ever before. Analyzing the potential impact of interest rate risk is no longer a luxury, but a necessity.

Changes to NCUA's interest rate risk supervision are forthcoming. Prepare for the Net Economic Value (NEV) Supervisory Test which calculates your NEV ratio and sensitivity for base case and +300 basis point stress rate scenarios. The results of the test will be used in part to determine which of the four risk classifications your credit union will be assigned (low, moderate, high and extreme). Are you prepared?

The NCUA has begun to standardize the treatment of non-maturity shares which represent a significant percentage of funding for credit unions. We can help you understand the standardization and how it affects the value you assign to non-maturity shares.

Features & Benefits

  • Experienced ALM experts act as your credit union's risk consultant and advocate giving you assurance that your entire risk profile is captured.
  • Reduce costs by relying on our ALM technology, personnel and our access to market data a fraction of the cost of doing it internally.
  • Make strategy based investment decisions and model the expected impact before deploying funds.

QuantyPhi is built on the notion that highly motivated staff provide better outcomes for their clients. Research explains how motivation is measured, and just how clients of QuantyPhi can expect to benefit from working with QuantyPhi. Making sure employees and clients are perfectly aligned in their motivation will produce better results and higher satisfaction for clients of QuantyPhi.


  • Net Income Simulation
    A balance sheet and income simulation model designed to forecast interest rate risk exposures through income simulation in various interest rate scenarios. A complete set of forecast reports provides insight into risk and sources of risk to help credit unions manage exposure to changes in interest rates.
  • Risk Modeling
    Thorough, dynamic look at cash flow structure of various investment securities giving a complete understanding of performance throughout multiple rate environments. Portfolio analysis exposes multiple risk characteristics and return calculations under current and potential market changes.
  • Benchmarking
    Custom analysis using current balance sheet structure to design a portfolio blueprint for optimal balance sheet performance. Using the net risk position of the credit union, QuantyPhi can outline appropriate risk characteristics with adjusted return expectations.
  • A-L Model Validations
    Complete review of the asset liability modeling process and reporting structure in the credit union. Report also includes Interest Rate Risk Policy review with suggestions to comply with “best practices” on IRR management.
  • Balance Sheet Consulting
    Assisting credit unions with multiple challenges including revenue projections and valuations, capital building strategies Net Income Simulation assumptions and board/ALCO education sessions.

Our Family of CUSOs

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