Capital is King! While you may have enough capital at the moment, a key board and management function is to continually scan the horizon to determine if your credit union will continue to have enough capital under changing market conditions. Asset/Liability Management (ALM) is the term employed for the various tools and philosophies used to estimate future changes in capital. There is no single ALM method or best measuring system. That is because ALM is as much art as science. This webinar will look at various concepts, tools, and measurements that credit unions use to help understand what changing market conditions may do to capital.
- Basic concepts of loan/deposit management
- How gap analysis can help estimate future changes in net income
- How computerized income simulations can help management
- Understand what NEV is and what a useful tool it is in predicting risk
- Sample ALM process that can be used monthly
- TAKE-AWAY TOOLKIT
- Capital growth calculator – a simple Excel-based calculator that allows you to use asset growth, predicted ROA, and capital to determine where the credit union will be up to five years from now
- Dash board template to help monitor key ratios over time
- Electronic training log
- Quiz you can administer to measure staff learning and a separate answer key
Who Should Attend:
This informative session is designed for directors, Supervisory Committee members, CEOs, managers, and senior management. Attendance verification for CE credits provided upon request.
About the Presenter - Tim Harrington, CPA, TEAM Resources
Tim Harrington is a Certified Public Accountant who specializes in working with community financial institutions. Since 1996, Tim has been President of TEAM Resources, a firm which provides consulting, strategic planning, and training from coast-to-coast. A presenter at over 1,000 financial conferences, seminars, and webinars, Tim has provided consulting and training for hundreds of community financial institutions in nearly every state and four countries. Tim advises boards and senior management teams on strategy, profitability, and governance and works with staff on leadership and lending. In addition, he is a faculty member of three financial institution schools and is the author of the popular lending software "Lenders Tax Analyzer” and has taught lending personnel how to obtain monthly income from tax returns since 1992.
|Over $75 million
|$25 - 75 million
|Under $25 million