Share Sensitivity Analysis

By evaluating your credit union’s share sensitivity, you can measure how quickly members’ non-maturing deposits have historically responded to changes in dividend and market rates. Study how these changes affect member deposit balances and create reasonable assumptions for future disintermediation. Use the data as assumptions for your ALM risk modeling. Armed with this information, you can mitigate the impact of these dynamics on your credit union’s balance sheet, and be confident in your decision-making

Value to Your Credit Union

Estimate share balance and rate changes in various rate environments to enhance readiness and avert negative balance sheet impacts. Regulators encourage this type of analysis to enhance ALM modeling assumption efforts and results.

Top Benefits

• Strengthen Decision-Making. Leverage the talent, tools and technology of Balance Sheet Solutions* to help address risks posed by share balance fluctuations, and validate portfolio decisions.
• Reduce Efforts. Put our expertise and analytical tools to work for you, so your team can function with maximum efficiency.
• Credit Union-Focused. As a leader in introducing share sensitivity analysis tools to the credit union industry, Balance Sheet Solutions understands your business – and the importance of these disciplines for short- and long-term planning.
•  View a detailed fact sheet.

* Balance Sheet Solutions, LLC is a Securities and Exchange Commission (SEC)-registered investment advisor.