Driving member value through best-in-class credit union solutions
Our team provides optimal support to clients by leveraging the experience, expert market knowledge and robust resources across the firm
Strategies developed through asset liability analysis
At Piper Sandler, we help clients develop strategies that fit their unique balance sheet according to their specific asset liability mix. We have a dedicated team of balance sheet professionals skilled at identifying risks and opportunities in all corners of a credit union balance sheet. Our goal is to enhance your balance sheet performance in every interest rate environment. The financial strategies group is composed of 25 professionals across the U.S. with an average of 10+ years experience in financial institutions. Our ALM document is ALCO/Board/Examiner friendly and focuses on all key financial metrics including capital management and liquidity.
Comprehensive fixed income portfolio management
A well-run investment portfolio can differentiate a credit union from their competition, enabling better loan and deposit rates. With the right structure, the portfolio can provide yields above your cost of funds while also offering a consistent liquidity source to fund future loan demand. Our team of portfolio strategists can help a credit union build this portfolio while also respecting the ALM impacts. We offer pre and post purchase analysis, permissible credit union product education, and swap and restructure analytics allowing you to document and execute the best trades for your credit union.
Loan participation / whole loan trading desk
Loan participations have been a growing trend for credit unions over the last 10 years. This is another balance sheet tactic that can help a credit union compete in their market by providing liquidity for credit unions with a high loan-to-share ratio or higher yielding buy side options for credit unions with a low loan-to-share ratio. Our team of seasoned professionals has 28+ years of experience on average and has completed more than 2,109 loan portfolio transactions totaling $67B in announced deal value.* With knowledge of all loan and credit types, our loan strategies group provides market color and accurate pricing of all loan asset classes. Unique consumer loan “flow programs” offer consistent, strategic cash deployment options for buyers.
*Loan portfolio transactions since 1995. Data is as of 6/30/2022.
Access to the No. 1 ranked M&A advisor in the financial services industry**
Compared to others, Piper Sandler works as a team in close collaboration between sales and our industry-leading financial services investment bankers. This allows us to offer big picture advisory and solutions on secondary capital raises, merger & acquisition services, strategic planning conferences for management and board as well as multi-year pro forma modeling to better prepare for industry trends such as mergers or bank acquisitions. Our team is knowledgeable around discussions of online banking and the impact of FinTechs.
**S&P Global Market Intelligence. Includes deals with a disclosed transaction value that were announced from 1/1/2019 - 12/31/2022.
Why partner with us?
Our holistic approach and broad expertise allow us to provide big-picture strategies that satisfy the full-range of diverse credit union models. We also help clients offer better options to their members by providing quality assets for buyers, liquidity solutions for sellers and accurately priced loan packages for both. We comprehensively consider the goals of each of our credit union clients and offer the right solutions to meet their needs.
How can we help?
Please contact Jake Pettit or Jon Searles with questions.