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A benchmark is a standard against which the performance of the investment portfolio of the balance sheet can be measured. Since credit unions’ risk limits are bound by the liabilities currently on the balance sheet, benchmarking measures the limits against the current IRR of the balance sheet and optimizes the exposure. The benchmark is mathematically derived, and can be used to measure any portfolio, investment, loan, or liability.

The information gained from benchmarking allows credit unions to instantly determine how efficient their investment decision-making is relative to the amount of risk they are incurring. Benchmarking is usually an ongoing process in which credit unions continuously seek the improvement of their net risk position. Mapping out an ideal position before making investment decisions provides credit union managers a clear pathway to success. In addition to offering credit union leaders performance guideposts, benchmarking helps determine when it’s time to commit excess funds and/or take on more risk.

Benchmarking helps CEOs, CFOs, and other credit union leaders define optimal investment strategies for their credit union. It enables them to identify where investment decisions lead, lag, or remain at par with optimal portfolio performance. In addition, benchmarking provides the basis by which credit unions can judge investment options. Benchmarks help leaders identify which types of securities enhance their portfolios and declare which are no longer adding to their balance sheet’s performance.

How Will QuantyPhi Help Your Credit Union?

QuantyPhi will help your credit union create performance targets specific to your unique goals. Then, we will help you develop portfolio strategies that provide optimum levels of return with a given level of interest rate risk (IRR). Our performance optimization experts use high-powered technology that can analyze changing market data quickly, run “what-if” scenarios, and generate reports that help set appropriate, achievable benchmarks. 

At QuantyPhi, we have the technology to continuously crunch the numbers, so you don’t have to. We have the experts needed to interpret that mathematical data and will show you how to meet/exceed your benchmarks with flying colors. 

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