ALM Consulting & Research
P.O. Box 5245
Kingsport, TN 37663
Phone/Fax: (423) 212-0690
cridol@charter.net

Dr. Charles Idol has been involved in the credit union movement since 1975, serving as a credit union director and providing credit unions and their professional associations with consulting, research, and educational services in the areas of asset/liability management (ALM) and investments. His publications on credit union ALM/investment issues and equity duration applications have appeared in Credit Union Executive and Credit Union Management. He has conducted seminars for CUNA, CUES, NCUA, NASCUS, AICPA, state credit union regulatory agencies, and over 30 credit union leagues. Charles has also written and marketed several ALM software packages, including CuANALYSIS (developed in 1986 for credit union regulatory agencies), CuALM (developed in 1986 for entities that provide ALM consulting services to credit unions), and ABAJO (developed in 1998 and currently used by over 80 credit unions to produce monthly ALM reports).

He served as SVP/Chief Economist of the Texas Credit Union League “TCUL” and Chief Economist of Southwest Corporate FCU from 1983 to 1992, starting the Texas Credit Union League “TCUL”’s ALM Resources in 1986 - a department currently offering ALM consulting services to nearly 500 credit unions. In the spring of 1995, he served as interim President/CEO of Southwest Corporate FCU. Charles continues to serve as an ALM consultant to the Texas League’s ALM Resources, Southwest CUNA Management School, Southwest Corporate FCU’s ALM committee - the nationwide Investment Advisory Service affiliate of Southwest Corporate Investment Services, regulators, and credit unions in several states. His ALM consulting specialties include credit union rate risk assessment, ALM/investment policy development, capital and strategic planning, merger analysis, credit union special action workout strategies, and ALM/investment education for credit union boards, asset/liability management committees, and senior management. He also publishes Dividend and Loan Guidelines on a monthly basis that are widely distributed to credit unions nationally.