We collect it
Send the reports your banking system already produces. We put them together, so your team does not have to.
For credit unions and community banks
See what a rate move would do to your institution. Then fix it.
Your board and your examiner want to know how rising or falling interest rates would hit your earnings and your capital. AlcoBridge works that out for you, explains it in plain English, and gives you a clear plan when something is off.
One service and one price, instead of three to five separate advisers.
If interest rates moved, how much would your capital's value change?
Example: a $2.6 billion credit union. The black line is the most its policy allows it to lose.
Over its limits
Yearly earnings: unchanged
Before suggesting anything complicated, we look for the simplest fix in what the credit union already owns.
3 to 5
separate advisers and data services replaced by one.
2×
more accurate than standard industry assumptions at predicting what members are paid on savings.
197
real bond trades matched by our prices, to within three hundredths of a percent.
Same
answer as an established industry report on the same credit union: 11.31% against 11.32%.
What we do
Everything your board and examiner ask for, done for you
We measure it
How your yearly earnings and the value of your capital would change if rates rose or fell, including every scenario your examiner expects to see.
We value them
Every bond and mortgage-backed investment priced and checked against real market trades.
We show you the fix
If you are outside your limits, a short list of practical steps using what you already own, with the cost of each, so the board can decide.
We set up protection
If you are allowed to use interest-rate hedges, we size them to what is left and prepare all the accounting paperwork.
We check ourselves
We compare what we predicted with what actually happened, so you and your examiner can see the numbers hold up.
Why trust the numbers
We test our forecasts against what really happened
Most providers ask you to take their assumptions on faith. We checked ours against years of real results from credit unions we had not studied, and we publish the outcome.
Regulators do not approve these models; they expect each institution to have them independently reviewed. We give your reviewer our full method, test results and change history.
| What we predict | Tested on | Result |
|---|---|---|
| What members are paid on their savings | 60 credit unions over 8 years | Twice as accurate as standard assumptions |
| Next year's earnings | 93 credit unions | Errors less than half of assuming nothing changes |
| How fast homeowners pay off mortgages | 241 groups of real mortgages | Close to the best any model can do |
| What bonds are worth | 197 real trades | Matched within 0.03% |
| The whole balance sheet | An established industry report | The same answer |
How it works
From your reports to a board-ready answer in one quarter
You send your reports
Loan and savings reports from your banking system, your investment statement and your current policy limits.
We check everything ties out
Our totals match your financial statements before we report a single number.
You get a board pack
What a rate move would do, where you stand against your limits, and the plan if action is needed, in plain English.
We follow up every quarter
We compare last quarter's forecast with your actual results, ready for your examiner's file.
About
Built by someone who has done the job
Imran Siddiqui, CFA, MBA
Founder
Twenty years managing interest-rate risk and hedging for banks. AlcoBridge gives credit unions and community banks the same quality of analysis, without needing a specialist team of their own, at a price that makes sense for their size.
Request a pilot
See your own institution through AlcoBridge
We run one quarter on your own numbers. You keep the board pack whatever you decide.
- For institutions of every size, including under $50 million
- Every figure checked against your own financial statements
- Your data stays private and is used only for your report