How banks and credit unions can unlock the power of capital markets with new AI technologies
When it comes to balance sheet management, banks and credit unions today struggle to align analysis with action.
Insights are often generated but not acted upon, and when actions are taken, they are rarely guided by timely, data-driven analysis. This disconnect between analytical insight and real-world execution has left decision-makers reacting to market opportunities and threats rather than anticipating them. As a result, banks and credit unions leave money on the table and remain exposed to risks.
On one side, traditional ALM analytics are opaque, labor-intensive and expensive. Lenders often rely on third-party consultants, but these consultants conduct analysis manually, using spreadsheets and static data. As one credit union CFO shared, “It took days for my consultant to advise me on which secondary loans to consider. When the analysis finally arrived, the opportunity was gone.”
On the other side, broker dealers pitch solutions to bank and credit union CFOs, but CFOs struggle to understand their financial benefits. “Banks and credit unions underutilize secondary markets because they don’t understand how purchases impact their balance sheet,” said a mid-sized broker dealer.
Offering a better solution, Delfi has partnered with Community Capital Technology (CCT) to empower banks and credit unions with real-time balance sheet analytics, and to provide access to financial solutions in an open and transparent marketplace.
Together, the companies are creating the industry’s first integrated, AI-powered balance sheet analytics and execution platform. By combining Delfi’s real-time intelligence and optimization tools with Community Capital’s nationwide digital loan marketplace, they will allow banks and credit unions of all sizes to identify risks and opportunities across their portfolios, determine what to buy or sell, and execute those transactions with speed and precision–all within a single, seamless workflow.
This marks a transformative shift in how balance sheets are managed across the industry. Historically, only the largest banks had access to the sophisticated tools, data and liquidity needed for dynamic balance sheet optimization. Through this partnership, Delfi and CCT are democratizing that capability and giving every bank and credit union the power to act with the same level of insight and agility once reserved for top Wall Street institutions.
Whether it is a regional bank managing concentration risks or a credit union navigating liquidity challenges, institutions of every size can now harness enterprise-grade insight and execution solutions.
About Author:
Daniel Ahn is the Co-founder and CEO of Delfi, a fintech company specializing in AI-powered financial risk management and portfolio optimization.