Comprehensive balance sheet management solutions for credit unionsAt Concentra, our team works with you to build a risk profile of your balance sheet under various interest rate scenarios. Using sophisticated asset liability simulation, we can help you strategically manage risk and optimize return.

We use the results of the simulations to recommend solutions that consider all four pillars of balance sheet management:

• Interest Rate Risk • Liquidity• Profitability • Capital

We’re here to support you every step of the wayOur Strategic Financial Management team of professionals works exclusively with credit unions to understand their risk profile and make informed balance sheet decisions.

Strategic Financial Management

Financial experts offering balance sheet management solutions and support.

Contact us today:

Strategic Financial Management 800.788.6311 #7676 SFM@concentra.ca

Enhance financial performance Optimize return Manage exposure

to risk

Interest Rate Risk ManagementOur asset liability simulation model projects key measures of risk under various interest rate scenarios. The risk profile enables management to develop policies and make informed strategic decisions.

We use six types of interest rate risk measures:

• Net Interest Income Analysis

• Stochastic Analysis

• Value at Risk Analysis

• Duration Analysis

• Economic Value at Risk

• Gap Analysis

We can also provide expert guidance and leadership for:

Asset Liability Committees (ALCO)Our SFM specialists participate in your risk-management committee meetings to help establish processes and strategies to enhance financial performance.

Derivative ManagementMany credit unions use derivative instruments to help mitigate interest rate risk exposure and reduce volatility around the margin.

Investment ManagementWe help you build comprehensive investment strategies based on liquidity needs, potential opportunities and market expectations.

An Integrated Approach to Strategic Financial Management

“ Concentra provides us with an objective view of prudent balance sheet management opportunities as well as strategies to help mitigate interest rate risk. Their team provides real value as the competitive environment, economic landscape and regulatory requirements continue to change.

” Bryan Furber, Vice President Finance Cornerstone Credit Union

“ Concentra has been providing interest rate simulation reporting to our credit union for more than 15 years. We value the personalized service we receive, the quick responses to questions and inquiries, and their knowledge in strategic financial management from a global perspective. It gives us comfort knowing that our net interest margin is protected no matter what happens with interest rates.

” Krista Hayward, Vice President Finance Weyburn Credit Union

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