COSSEC
Puerto Rico cooperativa workflows
Current public scope for quarterly ALM, liquidity, exam prep, and board reporting.
7 partial2 not claimed20 total rows
This page maps the current public CERNIQ scope already claimed in this repo across 20 buyer-facing requirements. It is designed for procurement review, security questionnaires, and examiner-prep conversations.
How to read this page
Supported means the current public product copy or module registry explicitly claims that workflow.
Partial means the current public scope claims a narrower or adjacent workflow, but not a full end-to-end regulatory package.
Not currently claimed means we are intentionally not representing direct public coverage today.
Scope and methodology
The row set intentionally stays at the publicly promised 20 requirements already referenced on the homepage, changelog, and sales materials.
Each requirement links to a live public CERNIQ route and records the claim basis used to justify the coverage label on this page.
Important disclaimer
This matrix is a capability map and workflow summary. CERNIQ supports reporting, analytics, and governance workflows; it does not certify regulatory compliance or replace management, examiner, auditor, or legal judgment.
Coverage counts reflect the current public claim set on this page only.
COSSEC
Current public scope for quarterly ALM, liquidity, exam prep, and board reporting.
NCUA
Current public scope for IRR, liquidity, capital, call report mapping, and examiner prep.
Basel IRRBB
Current public scope for IRRBB shocks, liquidity structure, and capital-oriented analytics.
CECL
Current public scope for allowance adequacy, cohort analysis, and quarterly review workflows.
Each row maps a buyer-facing requirement to current public coverage, a live workflow, and the claim basis used here.
R1
Monitor supervisory capital buffers before they become a board or examiner issue.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
Current public module copy claims CAR plus tier 1/tier 2 capital adequacy ratios, while site copy also references the COSSEC ratio engine.
R2
Quantify structural rate exposure in a form treasury and ALCO teams can review quickly.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
Current public claims include duration gap coverage on the homepage, changelog, and the rate-sensitivity workflow.
R3
Show projected earnings pressure under standardized interest-rate scenarios.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
The public module index and homepage explicitly claim NII sensitivity as part of the compliance scope.
R4
Surface balance-sheet value exposure alongside earnings sensitivity in the same review cycle.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
Public product copy for Rate Sensitivity states NII and EVE impacts across parallel shifts, and docs position EVE inside the current IRR scope.
R5
Track short-term liquidity resilience with a workflow already framed for supervisory review.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
The public module registry claims Basel III LCR plus NCUA-oriented liquidity workflows, and site copy continues to include LCR in the public compliance promise.
R6
Review structural funding posture over a longer horizon, not only near-term stress days.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
Current public module copy frames NSFR as a Basel III structural funding workflow and references it from the broader liquidity suite.
R7
Identify sector and obligor concentrations before they become a policy or exam finding.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
The public module registry claims sector and single-name exposure monitoring with policy limits, while exam-prep copy references concentration findings.
R8
Review reserve adequacy with a documented workflow instead of a quarter-end spreadsheet scramble.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
Current public CECL copy claims WARM, Vintage, and PDxLGD methods, while the public compliance hub includes a quarterly CECL allowance review.
R9
Package rate, liquidity, and earnings stress analysis into a repeatable governance workflow.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
Public stress workflows include DFAST-style projections, the COSSEC stress pack, and custom stress-testing pages already linked from the product index.
R10
Centralize findings, action items, document readiness, and supervisory score context before exam season.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
Current public exam-prep copy claims COSSEC and NCUA readiness, CAMEL scoring, and document tracking, including CECL documentation gaps.
R11
Run a consistent public shock library instead of rebuilding scenario sets every quarter.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
The public Yield Curve workflow explicitly claims six Basel IRRBB shocks and preserves NII and EVE impacts.
R12
Present repricing concentration in a format that fits policy and examiner review cycles.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
Current public module copy claims an exact seven-bucket supervisory format and positions repricing gap within the regulatory workflow set.
R13
Support treasury pricing discussions with matched-maturity transfer-pricing analysis.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
The public module index claims matched-maturity FTP and spread decomposition, and product docs position FTP inside the capital and treasury stack.
R14
Flag watch, warning, and breach conditions before the next committee package goes out.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
Current public IRR Policy copy claims EVE, NII, duration-gap limits, and supervisory references across multiple scenarios.
R15
Work through the eight-component NCUA capital view without maintaining a separate manual model.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
The public module registry claims an eight-component risk-based capital workflow per NCUA Letter 15-CU-02.
R16
Map analytical outputs into a filing workflow instead of re-keying the same data for call reports.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
Public module copy explicitly claims automated 5300 field mapping, and product copy frames the workflow as part of NCUA reporting readiness.
R17
Deliver a committee-ready narrative package instead of stitching together board slides by hand.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
Current public copy claims a 20-page bilingual PDF and broader board-ready reporting across ALM and credit sections.
R18
Bring scenario-based climate exposure into the same review stack used for other supervisory analytics.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
The public module index claims climate-risk analytics, while product documentation positions climate disclosure inside the broader supervisory analytics stack.
R19
Move from one aggregate duration figure to tenor-level rate-risk attribution when the portfolio needs it.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
Current public module copy claims KRD by tenor bucket with hedging precision, and the public compliance promise already includes key-rate duration.
R20
Document deposit behavior assumptions with a workflow stronger than spreadsheet-side judgment calls.
COSSEC
NCUA
Basel IRRBB
CECL
Current claim basis
The public module index claims deposit-beta calibration against a PR library, and adjacent public workflows cover non-maturity deposit behavior.
Next step for buyers
If your team is evaluating CERNIQ for procurement or exam-prep use, pair this matrix with the live module routes above and the pilot workflow on the pricing page.