Integrated platform for managing financial and credit performance and risk
Most powerful parameter calculation engine used by large banks for decades
Empowers credit union senior managements by enhancing efficiency by 40‑50%
Power Business Intelligence – A state-of-the-art information visualization engine by Microsoft
Seamlessly integrates market data, balance sheet, liquidity and credit data
Secure database in Microsoft Azure
Cutting edge scenario and stress testing with unlimited multidimensional assumption sets
Ease of use – maximum three clicks for every function
Integrated stress test cecl for smoother p&l reporting
Integrated market and peer data
Core system agnostic framework
Integrates with any source databases
Extensive screen and functional customization at institution and user level
“White glove” round the clock service
1
2
3
image (4)
image (5)
image (6)
image
CUMAN is a unique industry-lending solution created from the ground up for credit unions. It is natively integrated with any core systems and requires minimal effort for implementation, and no ongoing IT support or maintenance.

ROBUST RISK MANAGEMENT

OPTIMAL DECISIONS

CUMAN MODULES

CUALM

COMPREHENSIVE ALM PLATFORM WITH BOARD REPORTING

CUINVEST

INVESTMENT ANALYSIS AND BOND ACCOUNTING

CURISK

UNIVERSAL RISK MANAGEMENT SYSTEM

CECL EXPRESS

RIGOROUS CECL RESERVE COMPUTATION ACROSS ALL METHODS

CUPLAN

SECNARIO PLANNING AND BUDGETING PLATFORM

CUONE

ONE SOURCE DATA STORAGE AND RETRIEVAL

CUREG

AUTOMATED CALL REPORTS AND NCUA EXAMINER PACKAGES

CUPEER

PEER RATES AND PERFORMANCE
ANALYSIS

KEY FEATURES

  • Minimal Implementation Effort
  • AI-enabled process with anomaly detection
  • Multiple Layers of Data Security
  • Out-of-the box ALM functionalities and ALCO package
  • Visual analytics to understand performance and drive decision-making
  • Dynamic financial planning and budgeting
  • Proactive Credit Risk Management
  • Integrated Call Report Automation
  • Deposit and Loan Rate Scanner
  • Unlimited Scenario Analysis
  • Comprehensive and Rigorous Audit Support
  • Best-in-class Intuitive User Experience

Seamless

  • Fully integrated with any core system and general ledger.
  • Full user control over scenarios and stress tests.
  • One click data upload on daily, weekly, monthly, and quarterly frequency.
  • Onboarding and loan pooling, Q‑factors, and scenario definitions.
  • Data from Fed, FRED and FFIEC built into solution.

Optimized

  • Calculates universal set of predefined profitability, risk, credit performance, and risk parameters.
  • Provides detailed breakdown at individual deposit, loan, member share, and investment security levels.
  • Unlimited capability for pooling loans, deposits, and securities.
  • Daily, weekly, monthly and quaterly uploads.

Intuitive

  • Flexible three-dimensional dashboards with drill down capabilities.
  • Built on Power BI to give intuitive and click through user experience.
  • Out-of-the-box screens for effectiveness.
  • Provides graphical and tabular breakdown.
  • All data and inputs are readily accessible for full auditability.

STATE-OF-THE-ART TECHNOLOGY

FLOW OF DATA AND INFORMATION

TECHNOLOGY FRAMEWORK

ONBOARDING IN TEN DAYS WITH NO CREDIT UNION WORK EFFORT

 ONBOARDING TIMEFRAME

ONBOARDING PROCESS

Step 1

Send Data Format​

CUMAN team sends the client the format of data required for onboarding.​

Step 2

Client Sends Data​

Client uploads data into secure portal. ​

Step 3

Data ​ Mapping​

CUMAN team maps the client's data with ALMIQ fields.​

Step 4

Data Mapping Coordination​

CUMAN team coordinates with the client until all data points are mapped.​

Step 5

Power BI Installation​

CUMAN team coordinates with the client to install the PowerBI desktop on the client's side.​

AUTOMATED ONGOING DATA UPLOAD

Step 1

Automatic data upload from core system.

Step 2

CUMAN processes current data and generates output results.​

Step 3

Client analyzes the information and reports and makes tactical and strategic decisions.​