Is asset liability management (ALM) “rocket science”?

Posted by Laurie Okawa-Moore
on "August 05, 2022 10:13 am"

If your grasp of ALM is still on the launch pad, this webinar will provide everything you need to know to reach a stable orbit. All volunteers, staff, and directors will benefit from learning more about ALM concepts, including credit risk.

Advanced Financial Literacy for New & Experienced Directors: ALM Primer & Financial Accounting & Risk Issues
August 9, 2022 • 9:00 am – 10:30 am HST



  • Comprehend the importance of capital and where it comes from
  • Understand more than ever about:
    • Interest rate risk
    • Gap analysis
    • Net economic value (NEV)
    • Credit risk


Asset liability management (ALM) is one of the most important things a credit union director needs to understand.  But some call it the “rocket science” of the credit union industry.  Why?  Because it is very difficult to comprehend.  Put simply, it’s just the management of loans and deposits over time in a manner that helps maintain the profit and capital your credit union needs.  While ALM is complicated, this course will make it easier and more understandable than ever before.  This webinar will illuminate fundamental ALM concepts and explain:

  • What tools you can use in ALM
  • What those tools tell you
  • What questions you may need to ask
  • What measurements are important to understand
  • What can happen if ALM isn’t managed well

In addition, this program will discuss the new allowance for loan losses methodology, called CECL (current expected credit loss) that goes into effect January 1, 2023.


This informative session is designed for board and Supervisory Committee members, as well as non-financial managers and staff.


  • A free copy of TEAM Resources “Board DashBoard”
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits


Tim Harrington, Founder and CEO of TEAM Resources and has been a financial institution consultant for over 29 years. Tim has advised lenders on verifying income from tax returns since 1992, and consults with financial institutions nationwide on issues of strategy, profitability, and board governance. He speaks at nationwide conferences and has presented in Canada, Mexico, Puerto Rico, Jamaica, and the Virgin Islands. Tim is the author of the popular software, Lenders Tax Analyzer. In addition, his book “Eisenhower on Enlightened Leadership” has been used by management teams nationwide to improve leadership skills. He did his undergraduate studies at Gonzaga University and graduate studies at the University of Washington.