Liquidity Management Suite
Smart tools for proactive liquidity management.
TCT Risk Solutions' Liquidity Suite combines two powerful tools—Cash Flow Tracking and the 12-Month Liquidity Shock Test—these tools give credit unions the insights they need to manage liquidity with confidence. Together, they deliver a clear, forward-looking view of cash flow, funding needs, and regulatory compliance.
Cash Flow Analysis Tool
Turn raw data into actionable insights.
Transforms daily liquidity data into clear visuals and analytics
Provides an instant snapshot of cash flow trends and liquidity needs
Guides investment strategies, deposit management, and policy decisions
12-Month Liquidity Shock Test
Plan ahead with confidence.
Models the impact of multiple "what-if" scenarios on liquidity
Forecasts how lending and cash management decisions affect funding
Helps credit unions meet NCUA requirements for balance sheet cushion monitoring
With the Liquidity Suite, credit unions can move beyond compliance—gaining the tools to anticipate challenges, strengthen balance sheets, and serve members more effectively.
Concentration Risk Tool
This tool provides credit union management with a simple, straightforward way to manage concentration risk within the loan portfolio while supporting safe, sustainable growth.
Uses a statistically based algorithm to evaluate Probability of Loss and Loss Given Default (LGD)
Guides portfolio diversification while protecting against over-concentration in higher-risk loan types
Enables management to balance growth and risk using clear, data-driven insights
Integrates with other TCT tools to help strengthen earnings performance and safely expand loan offerings to members