ALM Consulting for Banks & Credit Unions
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Asset/Liability Management
Model Validation & MRM
Data-Driven Solutions
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Asset / Liability Management Consulting

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Unlock the Full Power of Your ALM Strategy

Managing your institution’s balance sheet while optimizing performance and controlling risk is critical to strategy, but increasingly difficult to execute. With experience spanning tens of thousands of quarterly ALCO sessions over 40+ years in the business, DCG consultants bring the expertise and data-driven insight needed to help you make faster, smarter, and more defensible decisions. When independent advisory meets best-in-class modeling, ALCO becomes a tool for driving results, not just monitoring them.

How We Work With You

  • Independent advice

  • ALCO facilitation

  • ALM model outsourcing

  • ALM education & regulatory assistance

  • Peer analytics and trends

  • High-performing ALCO best practices

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  • Early warning systems for managing risk 

  • Capital planning & budgeting

  • Credit stress testing

  • Liquidity management & reviews

  • Loan prepayment analysis

  • Core deposit studies

Recent Client Results

Improved net interest income by 10% for $1B institution via execution and defense of portfolio lending strategy.

Devised and facilitated “de-risk” plan for $200M credit union under regulatory order without increasing funding costs or reducing interest income levels.

Developed cash deployment plan for $700M bank with over $100M in cash to optimize liquidity yield by an extra 130bps while maintaining asset sensitive preference.

Recommended on and off balance sheet hedging strategies for $6B bank that reduced falling rate exposure by 50% and added millions of dollars​​​​​​​​​of current and future earnings.

How Do You Build a Better ALCO?

DCG consultants have contributed to tens of thousands of quarterly ALCO sessions over 40+ years in the business. Get to know members of the DCG team as they discuss what defines a best-in-class ALCO, and the steps any institution can take to enhance their next meeting.

Video:  3:05 Minutes

Featured Videos

Feeling paralyzed in your decision-making process? In this uncertain environment, you're not alone, but doing nothing can be just as harmful to your bottom line. Get unstuck with tie-breakers. Learn how institutions are enabling clear and confident decision-making.

Video:  3:05 Minutes

Listen to
Your Balance Sheet

What does it really mean to “listen” to your balance sheet? Get to know members of the DCG consulting team as they share how institutions are taking bias out of decision-making and tuning into their data.

Video:  2:30 Minutes

Want more from your ALCO Process? We're here to help
Click to schedule your complimentary ALCO strategy session.

​​“As times are changing, are you looking through multiple lenses from a strategic perspective, or the same one you always have?”

Zach Zoia

Managing Director

Featured Insights

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