Effective-interest amortization
Premium and discount amortized on the effective-interest method, with amortized cost and accrued interest maintained per holding and the period-by-period schedule kept behind every number.
Investment accounting software for credit unions and community banks
FI Investment Tracker is a purpose-built securities subledger for U.S. credit unions and community banks. It handles effective-interest amortization, premium/discount, MBS/CMO factor-based paydown, month-end close, GL tie-out, reconciliation, and the NCUA 5300 / FFIEC RC-B support behind your quarterly filing. And it's local-first: your portfolio data stays on your own machine, in an encrypted local database, and is never sent to us.
A securities subledger built for the credit union and community bank investment book
FI Investment Tracker carries the amortization math, the paydown factors, and documented month-end close controls, in the terms your accounting team already works in: amortized cost and accrued interest per holding, a month-end close with a tie-out to the GL you import, and NCUA 5300 and FFIEC RC-B support from the closed period.
MBS / CMO paydown
Factor-based paydown for mortgage-backed and CMO holdings, posted at month-end so principal, factor, and current face stay correct without manual rebuilds.
Month-end close & GL tie-out
Run the close in one controlled place and tie the subledger back to your general ledger, so the numbers your controller signs match the numbers in the book.
Call-report support
Build the support packages behind NCUA 5300 and FFIEC RC-B reporting from the same source of record, built from the posted quarter-end close each quarter.
Reconciliation
Reconcile holdings, accrual, and balances against your prior period and your GL, with reconciling items listed for review.
Exam & audit evidence
Produce examiner- and auditor-ready evidence from the subledger itself, the same controlled records your team works in all month.
Encrypted local storage
Your portfolio records live in an encrypted database on your own machine, with on-device restore points, under your controls, in your building.
Verified, signed installer
Every release is code-signed by GRANITE HALL SOLUTIONS LLC (the verified publisher your IT team sees on install) and ships with a published SHA-256 checksum to confirm the exact file is authentic.
Year end, safekeeping, CECL and Part 703 workpapers
Five services in every plan, Core Ledger included. The pack, the tie-out, the memo and the Part 703 reports are built from the positions recorded at your posted closes. Each is a report or workpaper for your own review, not a filing. The safekeeping tie-out, the CECL memo and the Part 703 reports take a prepared by sign off, and what they print has a blank line for a reviewer to sign.
Year end audit pack
One dated zip for your auditor or examiner: close hash checks, the amortization roll forward, realized gains and losses, the ASC 320 disclosure tables, fair value levels you assign, a trial balance tie out, a price source list, and a confirmation request list with confirmation letters.
Safekeeping tie-out
Compare a safekeeper's month end statement with the positions at a posted close, by CUSIP, par and market value. Every difference is listed, and the statement never changes a holding.
Securities CECL memo
Record your own method and conclusion for each class of securities at a quarter end, mark each AFS security below amortized cost as credit or non credit, and roll forward the allowance you entered. The app supplies no loss rate.
Part 703 reports
For federal credit unions: the monthly fair value and change report, the quarterly report of securities with an embedded option or a maturity over three years, and the plus and minus 300 basis point estimate. The app reprices option free bonds. Callables, mortgage-backed securities, floaters and step-ups use the shocked values your broker or ALM provider supplies.
Evidence files
Attach supporting files to a holding, a transaction or a posted month end. Files are encrypted and stay on your computer, and attaching one never changes a posted close.
Where the time and cost savings come from
The savings are the work your team no longer does each month, and the costs you never take on.
Time back every month
No formulas to maintain: amortization, accruals, and MBS/CMO paydowns are calculated for every holding. No GL entry to build by hand: each posted close gives you balanced entries and a journal file laid out for your core's GL import. The close is checked before it posts, and the call-report support comes from the closed period, so quarter-end is a report you run.
Costs you can plan for
No server to buy, host, or patch: it runs on a Windows PC you already own. One flat, published price per plan, billed annually or monthly, with onboarding and first-close help included. Checkout is self-serve, so there is no sales cycle before you start. The ROI calculator turns your own hours into an estimate.
FI Investment Tracker is local-first by design. Your holdings, imports, GL balances, and reconciliation files stay in an encrypted database on your own computer. They're never sent to us, so there is no copy on our side for anyone to lose, leak, or hold hostage. You install it on your own machine, your records stay on that machine, and your IT and security team can verify it before and after purchase. See the full architecture and what your reviewers can check on the security page.
The installer is code-signed by GRANITE HALL SOLUTIONS LLC and every release ships with a published SHA-256 checksum, so your IT team can confirm the exact file before it runs. Your security team reviews software that runs inside your own controls, the vendor review packet answers the due-diligence questions in one place, and your team can evaluate it on its own holdings file from the first day. If you ever stop, nothing is deleted. More on who we are is on the company page.
Open Imports and upload the workbook your team keeps, or the file your current system exports. The app finds your columns from your own headings and shows which column each field is read from, and ready-made import profiles recognize common export layouts and column names. Amortized cost, accrual, factor, CPR, and call dates come in when the file has them, and WAC/WAM come in with the import profile that reads them; holdings without a CUSIP import on their account or certificate number. Every row is checked in a preview before anything is saved. Reconcile the imported totals to your last month-end report. The columns you pick are used again for the next file with the same headings. The migration page walks through the move step by step.
Built for credit unions and community banks from $100M to $10B
Self-serve, published pricing, with no sales calls. Review the tiers, then download the code-signed installer and put it in front of your IT and exam teams. Browse the full solutions overview to see how the subledger fits your month-end and quarter-end workflow. For the detail job by job, the subledger buyer's guide walks through what the software does and what it does not do yet.