It is essential that your credit union has an Asset Liability Management analysis that is appropriate to your credit union's needs and provides sufficient analysis for decision-making purposes.  At a cost of only $600 per year, the semi-annual ALM service available through your Credit Union Association is an easy, cost-effective ALM solution for most credit unions with only non-complex investments and minimal real estate and other long-term loans.  All you do is submit copies of your semi-annual Call Reports (June and December).

This ALM service includes a semi-annual Key Ratio analysis based on your credit union's Call Report data with commentary by Debbie Rightmire, vice-president of the Asset Liability Management Department of the Texas Credit Union League. Monthly dividend and reinvestment guidelines and semi-annual peer group statistics are also included. Upon your request, an Expense Analysis and Salary/Fringe and Staffing Analysis can also be prepared. In addition, Debbie is available by phone to discuss her comments and any questions you may have during the year.