TCT Risk Solutions is excited to announce the launch of their real time ALM Simulation tool.

Click Watch Now below to see a demonstration of the tool.

For more information contact us at (208) 939-8366

Dividend Payout Ratio: Connections To Deposit Pricing

Wednesday, May 10

11 am PT • 12 pm MT • 1 pm CT • 2 pm ET


Far too many credit unions set their rates and prices according to their competitors. Pricing any service according to the competition will almost always get any credit union into trouble. If you are setting your deposit rates according to your competitors – you are not managing your interest margin effectively.






Credit unions are expected to manage Interest Rate Risk (IRR). However, the recommended NEV model has gassed out. Our recommendation is that CEOs now employ a simulation model (EAR) versus the NEV model. Here’s why.


Will Rising Rates Throw Your Credit Union Into the Red?

If your credit union is not using the right management tools, rising interest rates could lead to unprofitable operations.

Managers and boards are now facing the dilemma of rising rates

You and the key people in your credit union are invited to join TCT on July 12, 2017 at 2 p.m. (ET) and learn about cutting-edge strategies to meet regulatory expectations and achieve growth and profitability objectives.

Included are the following:

  • Creation of multi-level decisioning tracts
  • Development of varied limits based upon credit standing
  • Use of cutting edge tools to help credit challenged individuals qualify for loans and improve their credit status.




TCT Risk Solutions, LLC has the tools to help credit unions prepare for what may be the most critical regulatory change in two generations.

Your credit union will be impacted by CECL

CECL will have a significant impact on many credit unions in their operations and their profitability. Surveys show that approximately 75% of financial institutions have not prepared for CECL. CECL takes effect the end of 2020.

Your credit union is expected to account for the risk in its loan portfolio

Credit unions can look to TCT Risk Solutions, LLC (TCT) for the management tools and policy assistance needed to effectively manage the risk in their loan portfolios.

Most credit unions have been pretty successful increasing their loan portfolios in the past five years. This growth could be positive (or negative) depending on how the risks in current loan portfolios are managed.

Credit risk in existing loan portfolios needs to be managed through two primary means – in policy and in practice.

Managing Risk through Policy