Pilot report
$750one-time
One 14+ page bilingual ALM report
Data review & guided setup
Board-ready bilingual PDF
12 COSSEC/NCUA ratios
CERNIQ pricing is built around one sequence: validate the reporting workflow on real data first, then move into recurring treasury, risk, and portfolio visibility once the team wants the full operating cadence.
1
Command Surface
4
Finance Lanes
EN/ES
Board Output
$750
Pilot Entry
Pilot report
Recurring access
RecommendedAnnual access
Partner access
Cost Comparison
The value is not only lower cost. It is a cleaner treasury-and-risk workflow with one system covering ingest, review, delivery, and ongoing institutional visibility.
| Traditional Consultant | CERNIQ | |
|---|---|---|
| Quarterly ALM report | $8,000 - $12,000 | $750 |
| Annual access (4 reports) | $32,000 - $48,000 | $2,400 |
| Delivery time | 3-6 weeks | 24 hours |
| Bilingual included | Extra charge | Included |
ESTIMATED SAVINGS: 83-93%
Capability Comparison
| Capability | Moody's / S&P | QRM / Empyrean | CERNIQ |
|---|---|---|---|
| Monte Carlo Simulation | 10K+ | 5K+ | 10K Vasicek |
| Yield Curve Models | Nelson-Siegel | Cubic Spline | Nelson-Siegel + PCA |
| CECL | PD/LGD | WARM + PD/LGD | 3 methods |
| Credit Portfolio VaR | CreditMetrics | Basic | CreditMetrics + Copula |
| Structural Default | Merton | - | KMV-Merton |
| Portfolio Optimization | MVO | - | BL + CVaR + HRP |
| Market Risk Capital | VaR | VaR | FRTB-IMA ES |
| Bilingual Reports | - | - | EN/ES native |
| PR Regulatory | - | - | COSSEC + NCUA |
| Climate Risk | Separate product | - | Built-in (Hurricane AAL) |
| Minimum Contract | $150K+/yr | $80K+/yr | $2,400/yr |
FAQ
A pilot report lets you validate the real operating workflow with institution data before committing to recurring access. It proves the reporting layer first, then gives your team a clean path into the broader treasury-and-risk surface.
Each report delivers the board-ready reporting core: 14+ pages, key COSSEC/NCUA ratios, duration gap, NII sensitivity, liquidity coverage, stress scenarios, and bilingual recommendations. The recurring plans add the wider workflow around that core.
The subscription is billed through Stripe and keeps the team inside the recurring CERNIQ operating layer: upload cycles, analysis workflow, report delivery, and adjacent visibility surfaces. Pilot and annual tiers change commercial scope, not product direction.
CERNIQ