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Asset/Liability Portfolio Risk & CECL Allowance Calculation Stress Testing

What CECL may be missing: A credit union guide for finding hidden reserve risk

Credit unions may be carrying reserve risk that their CECL models are not fully capturing. As portfolios shift and economic conditions evolve, this guide helps uncover where current, emerging, and missing risks may be hiding in the CECL process.

From longer auto loan terms to rising commercial delinquencies and unfunded credit card commitments, today’s risks may not always show up clearly in historical loss data. This resource explains how backtesting, scenario analysis, stress testing, and ALM can help reveal blind spots before they become bigger problems. Download the guide to learn how to strengthen your CECL process and use it as a more strategic risk management tool.

You will learn:

How to identify current, emerging, and missing risks in your CECL process
Why backtesting can reveal reserve blind spots before losses materialize
How stress testing and scenario analysis can strengthen CECL assumptions
Why integrating CECL, stress testing, and ALM gives a more complete view of risk