Top Ways ALIRO Powers Your Credit Union’s Year-End Success

As we enter the second half of the year, credit unions are feeling the pressure to enhance their balance sheets, manage liquidity, and prepare for a successful finish.

If your credit union wants to make the most of Q3 or lay the groundwork for a solid Q4, ALIRO by LendKey is designed to help. 

Streamline Loan Participations for Balance Sheet Optimization

ALIRO changes the game when it comes to loan participations. Automating the onboarding, due diligence, and transaction processes cuts down on paperwork, reduces administrative costs, and eases transaction challenges. This makes it simpler for credit unions of all sizes to buy or sell participations—even in smaller amounts.

Using ALIRO, your credit union can:

• Quickly adapt its asset mix to improve loan-to-share ratios and diversify portfolios.
• Use capital effectively, responding quickly to shifts in the market.
• Access a broader range of loan types, including residential mortgages, HELOCs, solar, auto, and personal unsecured loans.

This streamlined approach lets your institution focus on strategic growth instead of getting bogged down in manual work, keeping it agile and competitive throughout the year. 

Unlock Predictable Income and Liquidity with Forward Flow Agreements

One of ALIRO’s standout features is its ability to facilitate recurring “forward flow” transactions. Think of forward flow as a subscription model for loan participations—your credit union can establish ongoing agreements to buy or sell loans that fit your risk and return criteria.

This has several benefits:

• Provides steady, reliable income streams and better visibility into your balance sheet.
• Improves liquidity management, helping you confidently meet funding needs and regulatory requirements.
• Allows for better planning and anticipation of supply and demand, reducing surprises and enabling more accurate forecasting.

With forward flow, your credit union can shift from one-time trades to a more strategic, long-term approach to asset management.

ALIRO by LendKey is tailored to help your credit union tackle the unique challenges and opportunities it will face throughout the remainder of the year. From simplifying loan participations and enabling forward flow agreements to providing powerful analytics for balance sheet optimization, ALIRO equips you with the tools needed to maximize your impact this year and beyond. 

Are you ready to enhance your credit union’s performance? Discover how ALIRO can help you unlock efficiencies, manage risks, and drive growth throughout the year. Contact us today.