CECL Solutions for Banks and Credit Unions

Get simple CECL solutions, not complex modeling.

OptimaFI CECLSolver™ gives you a simple, cost-effective way to build, support, and document CECL using flexible self-service templates, automated calculations, and integrated peer data.

Automate CECL analyses in minutes, not months
Satisfy CECL requirements with guided templates and peer-enhanced data
Import WARM calculations, or have our team prepare them for you (added service)
Add any of 300M+ bank data items to your spreadsheet via the Excel Add-In
Get CECLSolver for as little as $250/mo

Request a demo to see CECLSolver in action with your institution’s data.

A Preferred Service Provider of The Independent Community Bankers of America® (ICBA).

“We received glowing reviews from the NCUA examiners about the CECLSolver product. They really liked how easy it was to follow, and they had no further questions!”

Kathy Lewis

VP of Finance
Universal 1 Credit Union

Kathy Lewis

VP of Finance
Universal 1 Credit Union

CECLSolver gives you confidence in your start-to-finish CECL Results.

OptimaFI’s CECL solutions gives you a straightforward approach — grounded in automated calculations and peer data — so you can produce accurate, defensible CECL estimates quickly.

Doing CECL manually

You spend days gathering internal data, aggregating external data, maintaining spreadsheets, rebuilding calculations, and guessing whether your assumptions align with regulatory expectations.

Relying on third parties

You juggle high costs, complex workflows, unclear assumptions, steep learning curves, and models that are difficult to explain to your board or defend to regulators.

With CECLSolver

CECLSolver automates the data work, provides evidence for your assumptions, and produces straightforward, defensible ACL analysis ready for boards and regulators.

Book a Demo

Simplify CECL modeling and documentation.

OptimaFI unifies the CECL process into one guided workflow. The platform structures how you define segments, select inputs, record assumptions, and explain Q-factors. Each run produces a clear, end-to-end package that shows how you arrived at your reserve, making audits and exams more predictable.

Want more custom research? You can use the Excel Add-In Tool to download any of 300M+ bank data items into your spreadsheet.

Eliminate spreadsheet formula risk and version-control issues
Create consistent, traceable methodology quarter after quarter
Generate auditor-ready documentation automatically

Skip the complexity, cost, or opacity of typical vendors.

CECLSolver delivers a straightforward, defensible approach designed specifically for community institutions, offering the rigor you need without unnecessary complexity.

Avoid black-box modeling: Every assumption and calculation is visible, documented, and easy to explain
Enjoy lighter workflows compared to multi-module, consultant-driven CECL platforms
Get ongoing support from a team of credit specialists

Ground assumptions in objective peer comparisons.

CECLSolver uses Call Report categories and peer data from regulatory filings to give you clear, apples-to-apples benchmarks for reserve analysis. You get visibility into how your loss experience compares to similar institutions and support for Q factor assumptions rooted in evidence examiners recognize.

Compare your loss experience to relevant peer groups
Support Q-factor adjustments with objective, third-party data
Explain reserve decisions using evidence regulators already trust

From fast CECL solutions to more complex or granular modeling techniques — we can help.

Book a Demo Talk to a Specialist

Software starts at $250/mo
No installation
Up and running in minutes

FAQs

Can CECLSolver be used alongside our existing CECL workflow?

Yes. Many institutions run CECLSolver in parallel with their existing methodologies or vendor solutions before fully transitioning. You can use it to validate your current assumptions, compare methodologies, or simplify the most time-consuming parts of your process without disrupting your existing controls.

How does CECLSolver store or retain prior-period scenarios/assumptions?

Standard Call Report segments are included out of the box to save time. When it is time to update your CECL calculation, simply review and update what has changed instead of rebuilding your scenario from scratch. Additional inputs are saved automatically as part of the scenarios.

Can we use CECLSolver if our historical loss data is limited?

Yes. CECLSolver includes peer loss data sourced from regulatory filings, which fills gaps when internal history is sparse or unrepresentative. You can combine peer experience with your own limited history and document Q-factor adjustments to support a defensible reserve.

How is peer data selected or customized?

CECLSolver uses peer data sourced from publicly available Call Report filings, primarily UBPR data from the FFIEC. You can choose pre-built peer groups, or create your own custom peers. CECLSolver aggregates their historical loss trends and aligns it to your segments and WARM periods for seamless use in your ACL calculation.

Can we use CECLSolver on its own, without other OptimaFI tools?

Yes. CECLSolver operates as a standalone CECL solution. You do not need stress testing, peer performance modules, or any other OptimaFI tools to run and maintain your CECL calculations.

What happened to QwickAnalytics?

QwickAnalytics is now part of OptimaFI. For more than a decade, QwickAnalytics has provided community banks and credit unions with reliable CECL modeling, peer benchmarking, and regulatory reporting tools supported by trusted Call Reports. As part of OptimaFI, we’ve expanded our ability to serve community banks and credit unions and help them drive sustainable profitability growth.