Investment accounting and reporting
Holdings, transactions, maturities, calls, month-end support, FFIEC/NCUA schedules, CECL/ALM exports, GL tie-outs, and workpapers organized for examiner review.
Close the month and pass the exam without your portfolio data ever leaving the building
FI Investment Tracker is investment accounting, reconciliation, and compliance evidence built for credit unions and community banks. Amortize and account for every holding, reconcile the daily files, and export workpackages organized for examiner review and call-report schedule support, all on a machine your institution controls. Your portfolio data is never sent to us.
1
Import the files your team already receives. No re-keying, no new feeds to build.
2
See every exception, approval, deadline, and piece of evidence in one place.
3
Export clean packages, organized for examiner review, while your sensitive data stays on your machine.
Reconciliation and exception control
Comma, tab, and pipe delimited files and ACH files, compared across network, processor, core, and GL files and matched on a shared reference, with saved profiles and duplicate and date checks.
Compliance evidence and review cadence
Vendor oversight, exam binders, policy reviews, access review tracking, due dates, notes, accountable owners, and CSV summaries and evidence packages.
Loan intake and public websites
Online loan applications are not yet available. Website design and hosting for your public site is a service our team delivers, scoped with you.
Built so your vendor review stays short
Your data never leaves the institution. The investment and reconciliation software runs on a machine you control, and your portfolio is never sent to us, so the data-custody questions in your vendor review have short answers. The installer is code-signed by GRANITE HALL SOLUTIONS LLC, so your IT team can verify the publisher before anything is installed. Every release ships with a published SHA-256 checksum, and nothing is deleted if you ever stop. What you get is an architecture where your sensitive data stays in your environment, encrypted, a signed installer your security team can vet, and a documented vendor-readiness package. See the Security and Vendor Readiness pages for the full detail your reviewers will ask for.
What a seat is, and how people work in the app today
A seat is one activated Windows computer, not a named user. Plans include 2 (Core Ledger), 4 (Operations Ledger), 6 (Regulatory Ledger, Compliance Suite), or 10 (Full FI Operations Suite) activations. Each activated computer keeps its own encrypted ledger, and ledgers do not sync between computers, so plan on keeping the books on one workstation and using the other activations for a standby or replacement computer. Release a computer you no longer use from the Subscribe view in the app to free its seat.
The app has one operator sign-in per computer, and everything done on that computer is recorded under it. A read-only view lets a second person review the books on that computer without being able to change anything. Daily activity, imported activity rows, and prior-period corrections go through a review-before-post queue, and nothing posts until it is approved, but the queue and the approval are recorded under the same operator. The app does not enforce two-person (maker-checker) separation or separate named roles today.
Investment Tracking
For the team responsible for month-end close and the call report.
- Full holding lifecycle with effective-interest amortization, MBS/CMO paydown, premium/discount accretion, and realized gain/loss on calls and maturities, calculated for every holding with no formulas to maintain.
- Bring in the Excel workbook you keep, or the file your current system exports, without re-keying. The import finds your columns from your own headings and shows you what it read, and ready-made import profiles recognize common export layouts. Amortized cost, accrual, factor, and call dates come in when the file has them, and holdings without a CUSIP import on their account or certificate number.
- NCUA 5300, FFIEC RC-B, call-report detail, SFAS 115 support, shock analysis, and GL reports.
- On-machine recovery points you control, a dated record of each restore you run, and a record of each posted close on the audit trail.
- Each posted close is sealed and gives you balanced GL entries and a journal file laid out for your core's GL import (confirm the layout with your core administrator before the first import).
- Built from your posted closes: a year end audit and exam support pack, a safekeeping statement tie-out, a securities CECL memo with an AFS impairment log and allowance roll forward, and Part 703 reports for federal credit unions. Attach evidence files to holdings, transactions and posted month ends. All five are in every plan.
Reconciliation
Included in Operations Ledger, Regulatory Ledger, and the Full FI Operations Suite.
- ATM, card, ACH, wire, Zelle/P2P, FedNow/RTP, processor, network, core, and GL file comparison.
- Intelligent column detection, saved profiles, duplicate review, balancing totals, and a recorded sign-off on fully matched runs.
- Repeatable exception reports for each day's files.
Compliance Operations
- Vendor oversight, exam-room evidence, policy management, and access review tracking.
- Owners, due dates, notes, timestamps, follow-up queues, CSV summaries, and evidence packages for vendors, exams, and policies.
- Built for small teams that need evidence organized for examiner review in one place.
Online Loan Applications
- Not yet available. Planned: hosted borrower links, an application builder, document upload, E-SIGN consent, and typed or drawn signatures.
- Planned: a lender review queue, status management, and lender export packets.
- Before it accepts any real borrower data, it will need encrypted document storage, malware scanning, retention controls, each institution's data kept separate from every other institution's, and legal review of the application flow.
Website Design & Hosting
- Design and hosting for your institution's public website, including product and lending pages, delivered by our team.
- Scoped with you and priced after a scoping conversation.
- Mobile banking apps and live core account, balance, and transaction integrations are out of scope.
Implementation Support
- Column heading and screenshot review, import mapping help, guidance while your team validates its first package, a restore drill your team runs, and staff handoff.
- A focused evaluation in which your team records where the software fits and any gaps, so the institution can make a clean production decision.
- Support boundaries keep confidential portfolio and borrower files out of ordinary helpdesk traffic.
Moving in is easy
Bring your holdings over from the workbook you keep or the file your current system exports, with amortized cost and accrued interest carried over when the file has them. The import finds your columns from your own headings, ready-made import profiles recognize common export layouts and column names, every row is checked in a preview before anything is saved, and a restore point is taken before each import, so the move is quick and nothing is re-keyed. From Operations Ledger up, our hands-on conversion and file-mapping help is included.
Where the time and cost savings come from
Amortization, accruals, and MBS/CMO paydowns are calculated for every holding, so there are no formulas to maintain. The close is checked before it posts, each posted close gives you balanced GL entries and a journal file for your core's GL import, and the NCUA 5300 and FFIEC RC-B support is built from the posted quarter-end close. There is no server to buy, host, or patch, the price is flat and published, and onboarding and first-close help come with every license.
The investment and reconciliation software keeps your portfolio and operations files inside the environment your institution already controls. There is no copy of your sensitive data on our servers, so there is nothing on our side to breach. (Online Loan Applications, when available, will be the one hosted exception.)
How a careful rollout works
We recommend starting narrow and proving it on your own data before you expand: pick one workflow, import one real source file, run one month-end trial or reconciliation, run one restore drill, then decide whether to roll out the rest of the modules. You see it work on your real numbers before you commit further.
Start with one workflow on your own data
Pick a plan, download the signed installer, and prove it on one real source file before you expand.