Integrated Marketplace Overview
The Integrated Marketplace is a centralized hub within the Thomas Ho ALM Platform that connects credit unions to live capital markets and loan trading environments. It is designed to unify investment and loan analytics with execution capabilities, enabling users to make informed decisions and act on them within the same platform.
Key Benefits
- Real-Time Market Access: View live pricing and inventory from broker-dealers and loan sellers.
- Balance Sheet Impact Modeling: Simulate how trades affect earnings, equity, liquidity, and CECL reserves.
- End-to-End Execution: Analyze, negotiate, and execute trades directly from the platform.
- Strategic Integration: Align trading decisions with ALM, CECL, and profitability analytics.
Market Snapshot
Provides real-time market data including yield curves, TBA pricing, and sector-level indicators.
Key Benefits
- Supports investment decisions with current market context.
- Enhances pricing accuracy for securities and loans.
- Helps ALCO teams monitor market trends.
How to Use Market Snapshot
- Navigate to Integrated Marketplace > Market Snapshot
- View live data feeds for rates, spreads, and sector performance
- Use filters to focus on relevant asset classes or time horizons
Loan Central
A marketplace for buying, selling, and advertising whole loans among credit unions and banks.
Key Benefits
- Facilitates peer-to-peer loan transactions.
- Includes analytics to assess CECL impact and profitability.
- Supports negotiation and document sharing.
How to Use Loan Central
- Access Loan Central from the Integrated Marketplace
- View available loan pools or post your own
- Use analytics to evaluate pricing and balance sheet impact
- Negotiate terms and execute trades
Capital Markets Inventory
Displays available securities from broker-dealers, including pricing, analytics, and trade history.
Key Benefits
- Enables side-by-side comparison of investment options.
- Supports trade simulation and optimization.
- Get real time prices and live investment offerings.
- Facilitates direct execution with integrated broker-dealer access.
How to Use the Capital Markets Inventory
- Go to Integrated Marketplace > Capital Markets Inventory
- Browse available securities by sector, rating, or maturity
- Click on a security to view analytics and simulate trade impact
Single Security Analytics
Provides detailed analytics for individual securities including yield, duration, convexity, and OAS.
Key Benefits
- Supports granular analysis for investment committees.
- Helps validate pricing and risk assumptions.
- Integrates with performance attribution and simulation tools.
How to Use Single Security Analytics
- Navigate to Integrated Marketplace > Single Security Analytics
- Select a security from the inventory by double clicking the CUSIP or upload your own and enter the CUSIP
- Review metrics and simulate performance under different rate scenarios
Loan Benchmarks
Provides comparative analytics for loan pricing and performance across institutions.
Key Benefits
- Helps validate pricing strategies.
- Supports competitive analysis and peer benchmarking.
- Enhances transparency in loan origination and trading.
How to Use Loan Benchmarks
- Navitgate to Integrated Marketplace > Loan Benchmarks
- Select loan types or sectors to compare
- Review metrics such as yield, CECL reserve, and risk-adjusted return
Loan Pricing Calculator
Calculates fair value pricing for loans based on credit, interest rate, and prepayment risk.
Key Benefits
- Supports origination and secondary market pricing.
- Integrates CECL and profitability analytics.
- Enhances consistency across departments.
How to Use Loan Pricing Calculator
- Go to Integrated Marketplace > Loan Pricing Calculator
- Input loan terms (e.g., rate, term, credit score)
- Review pricing output and CECL-adjusted profitability
