Capital Markets - Simplified - Alloya Corporate Federal Credit Union

CAPITAL MARKETS (SIMPLIFIED)

From Raising Liquidity to Investing Assets
Your Solution. All under one roof.

Discover the Value of Alloya Corporate FCU's Capital Markets Group

At Alloya Corporate Federal Credit Union, we pride ourselves on offering a comprehensive suite of financial services designed to meet the diverse needs of credit unions. Our Capital Markets Group is at the heart of this mission, providing a range of products and services that ensure our members can achieve their financial goals with confidence and ease.

Loan Participations

Our Loan Participation Program is designed to make it easy for credit unions to buy and sell pools of loans. This program helps credit unions manage their balance sheets, free up liquidity and diversify their loan portfolios. Whether you are looking to raise funds by selling originated loans or to diversify your loan portfolio income by buying participations, Alloya’s Loan Participation Platform offers a streamlined process that simplifies the work for your credit union.

Where’s the value for your credit union?

Value for Buyers: Buyers can generate interest income, diversify assets, reduce excess liquidity and manage asset/liability ratios.
Value for Sellers: Sellers can raise liquid funds to continue lending to members, manage rate risk and fine-tune regulatory ratios.

Whether you’re a seasoned participant or new to the process, Alloya’s Loan Participation Platform offers full transparency, trusted service and reliable support, making participations fast, easy and convenient.

Subordinated Debt

Alloya’s Subordinated Debt Program is a full-service solution for credit unions looking to issue or invest in subordinated debt. This program helps credit unions strengthen their balance sheets and net worth while providing the flexibility to grow and attain strategic goals. Our services include application advisory, legal counsel, policy review, offering documentation, deal coordination, sales and distribution, and due diligence.

Alloya Investment Services

Alloya Investment Services is a division of Alloya Corporate FCU’s wholly owned CUSO, Alloya Solutions, LLC. This division provides broker-dealer services that enable credit unions to navigate the capital markets and choose from an array of investment vehicles. Our services include marketable securities, brokered certificates and more. We offer a seamless experience for credit unions, ensuring they have access to the best investment opportunities available.

Contact us today to learn more about how our Capital Markets Group can help your credit union succeed.

Specific Investment Vehicles Offered by Alloya Investment Services

Alloya Investment Services offers a wide range of fixed income asset classes to optimize your credit union’s portfolio performance. These include:

U.S. Treasuries: Secure and reliable government bonds.
Agencies: Bonds issued by government-sponsored enterprises.
Mortgage-Backed Pass-Throughs: Securities backed by a pool of mortgages.
Corporate Bonds: Debt securities issued by corporations.
Municipal Bonds: Bonds issued by local government entities.
Brokered Certificates of Deposit (CDs): CDs offered through SimpliCD, a product of Primary Financial.

Additionally, Alloya Investment Services provides several tools and services to support credit unions in managing their investments:

Investment Accounting (TPG): Manage your credit union’s portfolio online with a variety of monthly investment accounting reports and the support and experience of our staff behind you.
Third-Party Credit Analysis (Gimme Credit): Leverage this independent, high-quality tool for comprehensive credit analysis at the portfolio level.
Online Investment Management (Premier Portfolio): Make SimpliCD and marketable security trades and perform other daily investment activities online, right where market information, key documents and reports are stored.
Derivative Program (in partnership with Chatham Financial): Credit unions gain access to a comprehensive derivative program through Alloya’s Capital Market Group, enabling them to hedge risk by utilizing strategies such as interest rate swaps.

The Alloya Advantage

By partnering with Alloya, credit unions gain access to a wealth of resources and expertise. Our Capital Markets Group provides innovative solutions that meet the unique needs of each credit union. From investment services to loan participations and subordinated debt, we have everything a credit union could want within our Capital Markets Group. Our goal is to ensure that our members can achieve their financial objectives with confidence and ease.

Our job is to make your job easier.

*Alloya Investment Services provides broker-dealer services to credit unions nationwide. The broker-dealer services include Marketable Securities through CU Investment Solutions, LLC (member FINRA/SIPC) and brokered CDs (through SimpliCD, a product of Primary Financial). Alloya Investment Services is a division of Alloya Corporate FCU’s wholly owned CUSO, Alloya Solutions, LLC. To learn more about Alloya Investment Services, visit www.alloyacorp.org/invest.