Risk Management

Trusted analytics and solutions
Partner with the industry leader in risk management solutions. Stronger risk management systems improve decision making, strengthening your credit union for tomorrow.

Optimize Your Credit Union’s Financial Health

Managing risk is critical to any business, but even more so when your credit union is managing the financial wellbeing of members. Every deposit you accept and every loan or investment you make alters the risk position of your credit union. Your goal is not to eliminate risks, but to accept calculated risks based upon current and expected economic conditions. As interest rates rise, you take a calculated position to capitalize on the upward move in rates, and as rates fall you shift to protect margins and capital levels. 

Making meaningful strategic moves requires sound and effective risk management solutions, such as those available through Catalyst. Catalyst offers a variety of risk measurement options to align with your needs and balance sheet complexity. Whether you are looking to quantify interest rate risk, liquidity risk, capital risk, member deposit risk, or validate your current risk management system; Catalyst can tailor solutions to meet all of your needs. 

Asset Liability Management
Building a strong, resilient balance sheet that is prepared to meet the ups and downs of the markets and economy calls for strong modeling, the “right” tools, and a team that knows how to use them effectively. This is what Catalyst brings to the table.
Liquidity Stress Testing
Ensuring you have enough liquid assets and access to secondary sources is crucial for balance sheet management. Catalyst’s stress testing solutions push your balance sheet to the brink, testing liquidity through various conditions. Understanding market impacts and planning corrective actions is essential.
Capital Stress Testing

As credit unions become larger, they are required to perform an annual capital stress test as assigned by the NCUA. The stress testing process calls for rigorous analysis of loan losses based upon a number of economic indicators as well as credit loss forecasting based on a series of economic conditions, which are published annually by the NCUA. Having a partner with the knowledge and expertise to assist with historical analytics and credit loss forecasting provides added comfort in your annual capital stress testing submissions.

The Catalyst Difference
Catalyst works with credit unions of every shape and size from every corner of the map. Our extensive experience and reach mean we have seen just about everything, and we can bring that knowledge to work for you, helping your credit union achieve its strategy with confidence.

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Important Disclosures:

"Catalyst" is a brand name for the financial services business conducted by Catalyst Corporate Federal Credit Union ("Catalyst"), both directly and through its subsidiaries, including CUSOURCE, LLC, d/b/a Catalyst Strategic Solutions ("CSS"). Balance sheet management services and asset liability management services are offered through CSS, a SEC registered investment adviser. CSS is a separate entity from Catalyst and all investment decisions are made independently by CSS employees. Neither Catalyst nor CSS provide its clients with legal, tax or accounting advice.