Fixed Asset Analysis

The cost of buildings, furniture, fixtures, computer hardware and software continue to increase. Not only are the expenditures costly, but as a non-earning asset, they represent both a decrease in income as well negatively impacting a credit union’s financial ratios. An analysis of these assets, and how they’re financed provides credit unions with increased earnings options for financial statement presentation.

Reg D Reserve Analysis

Through our partnership with Ceto and Associates, Rochdale provides a unique opportunity to convert your non-interest earning Federal Reserve Balance into an interest earning asset. The process can be completed in as little as 45 days and requires very little time of your institution’s personnel.

Vault Cash Analysis

Through our partnership with Ceto and Associates, Rochdale provides the Ceto Cash Calculator (C3) which assists branch and executive management in calculating optimal cash levels for each branch and ATM. By maintaining the optimal level of cash at each branch and ATM, the credit union can increase interest income by reducing an expensive non-earning asset.