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Corporate Central Credit Union

About Corporate Central
Corporate Central Credit Union is a federally insured financial cooperative built on the values of commitment to service, fiscal responsibility, and respect for the individual. We cultivate a culture of respect, ethics, teamwork and innovation. We are "Helping Members to be Wildly Successful" by delivering industry knowledge and expertise to help credit unions achieve their strategic objectives and compete in today’s evolving financial services industry. We are motivated to passionately serve our members and strive to learn, create and innovate daily.

The Corporate Central Difference
Our difference is not a marketing tactic or strategy; rather it is our business model founded on the credit union philosophy and reinforced by our committed members that has made us strong.  Our strength enables us to continue offering all the products and services our members’ need – just as we always have.

Our members are the most important aspect of our business.  Knowing that our members have entrusted us to be responsible, we take extreme care in every decision we make.  We also take our responsibility to be a reliable liquidity provider to our members very seriously.  Ensuring access to liquidity when our members need it is our first priority – it drives our entire balance sheet management process.

Financial Strength and Stability
Although much has transpired within the financial sector the last few years, the strength and stability of Corporate Central has not changed.  Our capital ratios are the strongest in the nation and we remain well above all NCUA regulatory capital requirements.  Our members’ capital remains fully intact and we continue to pay top dividend rates on our capital accounts.

We are positioned for strength, growth and longevity. 

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In July 2015, Corporate Central launched InterLutions LLC, a wholly-owned Credit Union Service Organization (CUSO) providing innovative business solutions to advance the credit union industry and movement.

The first innovative business solution launched was I-Care, an employee benefits solution. I-Care empowers credit unions to take control of their increasing healthcare challenges by providing affordable, competitive, and sustainable coverage for their employees. We partner with credit unions to deliver an innovative group program to reduce the volatility and expense of health insurance by pooling risk. This revolutionary solution provides credit unions with the flexibility to choose from multiple networks, while individually determining their plan design and structure to best meet the needs of their employees. I-Care launched in 2016 and now "cares" for over 3,500 credit union employees and family members.

The next innovative business solution launched by the CUSO was CU-Save, a revenue enhancement solution for credit unions. CU-Save is here to help credit unions maximize their bottom line performance.  Our team will conduct a review of your credit unions operations at no charge to determine if opportunities for efficiencies, cost reduction, or revenue enhancement exist. In less than a few months of its launch in early 2017, several credit unions subscribed to the program and experienced both immediate and significant cost savings and revenue.

At InterLutions, we don’t simply think outside the box, we remove the box altogether.  We have a team of high-energy individuals who are passionate about advancing the credit union movement through innovation and collaboration.

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Balance Sheet Optimization for Credit Unions
Like most credit union executives these days, you wear a lot of hats. You're busy beyond busy, and your needs are constantly changing - especially as balance sheets become more complicated and portfolios become more sophisticated. To complicate things further, you may not have the time, tools and training needed to keep risk and opportunity balanced for peak performance.

What if your credit union had an experienced partner that could:

  • Help maximize day-to-day balance sheet performance?
  • Do the never-ending math you don't have time to do?
  • Expertly adjust plans and projections as markets and goals change?
  • Run "what-if" scenarios and strategize for you?
  • Find opportunity on both sides of the balance sheet?
  • Build a balance sheet with muscle, flex and stamina?

The constantly changing interest rate and regulatory environment today is compelling credit unions to actively manage their balance sheets more than ever before. Analyzing the potential impact of interest rate risk is no longer a luxury, but a necessity.

Changes to NCUA's interest rate risk supervision are forthcoming. Prepare for the Net Economic Value (NEV) Supervisory Test which calculates your NEV ratio and sensitivity for base case and +300 basis point stress rate scenarios. The results of the test will be used in part to determine which of the four risk classifications your credit union will be assigned (low, moderate, high and extreme). Are you prepared?

The NCUA has begun to standardize the treatment of non-maturity shares which represent a significant percentage of funding for credit unions. We can help you understand the standardization and how it affects the value you assign to non-maturity shares.

Features & Benefits

  • Experienced ALM experts act as your credit union's risk consultant and advocate giving you assurance that your entire risk profile is captured
  • Reduce costs by relying on our ALM technology, personnel and our access to market data a fraction of the cost of doing it internally
  • Make strategy-based investment decisions and model the expected impact before deploying funds

QuantyPhi is built on the notion that highly motivated staff provide better outcomes for their clients. The research explains how motivation is measured, and just how clients of QuantyPhi can expect to benefit from working with QuantyPhi. Making sure employees and clients are perfectly aligned in their motivation will produce better results and higher satisfaction for clients of QuantyPhi.

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