TCT Risk Solutions provides tools and consultation that improve the performance and sustainability of credit unions. Our Online tools address: (1) Liquidity, IRR Limits, ALM Simulation/Modeling and Concentration Risk. (2) Credit Migration, CECL Compliant ALLL, Early Warning Signs of Loan Impairment and Delinquency Tracking. (3) Loan and Deposit Pricing connected to the cost structure of the credit union. Our services incorporate consultation and training individualized to the needs of the specific credit union and staff. Our clients report a ROI from these tools as high as 10 to 1. TCT was founded in 1987 and has operated successfully for 28 years based on three guiding beliefs: (1) Credit unions are vital to the communities in which they operate. (2) The financial well-being of many people is dependent upon credit unions. (3) Credit unions will survive & flourish when their leaders have the right tools and instructions.