Credit Risk Analysis
PMA monitors the creditworthiness of each investment made by PMA Financial Network, Inc. on behalf of its clients. The department closely follows the capital markets and regulatory environment for issues that may affect any of WISC participants' investments. PMA employs a variety of credit analysis procedures for these investment products:
  • Government and agency securities
  • Municipal securities
  • Certificates of deposit
  • Other depository products
Specific to the banking industry, the department analyzes each bank where deposits are placed quarterly and on an ongoing basis. Discerning the creditworthiness of banks has become more difficult for public entities as subprime related assets, write-downs, over-concentrated balance sheets and increased regulatory scrutiny have all been contributing factors to the strength or weakness of banks across the country. As such, we believe it is more important than ever to perform quality credit analysis.
Collateral Programs
PMA produces a monthly report for its clients detailing all collateralized deposits and the market value of the pledged collateral. When a client engages PMA to invest its assets, this consolidated report contributes to administrative efficiency and peace of mind.
Detailed credit analysis is a fundamental component of PMA’s investment process. This analysis is conducted by a combination of ratio analysis and assessment of qualitative factors. PMA employs a belt and suspenders approach to maintaining the safety of client deposits. In addition to credit analysis, PMA utilizes multiple collateral programs and employs a rigorous set of collateral procedures that begin before your deposit is opened.
For More Information
To open an account, or for more information, contact your WISC representative at 414-225-0099 or Email.
Download more information about WISC credit analysis here.
Other WISC Service Programs
Banking and Cash Management
Cash Flow Management
Bond Proceeds Management
Financial Planning Program
Money Market and Liquid Investment Options
Fixed Income Trading
Credit Risk Analysis
800.783.4273 | Email

This information does not represent an offer to sell or a solicitation of an offer to buy or sell shares of the Fund or any other security. Shares in the Fund are sold or bought only based on the information contained in the current Fund Information Statement. The Information Statement contains important information and should be read carefully before investing. While the Fund seeks to maintain a stable net asset value of $1.00 per share, there can be no assurance that the net asset value will not vary from this price. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency. Fund shares are marketed through PMA Securities, Inc., member FINRA. The yields presented on this website represent past performance and are not a guarantee of future results. The fund may, from time to time, adjust certain management fees and expenses, which may affect the yield.

The daily rate refers to the net income generated over the previous one-day period; the income is then annualized. Fund performance changes over time and current performance may be lower or higher than what is stated. The yields represent past performance and should not be viewed as a guarantee of future results. The most recent yield information can be viewed by selecting “Rate Update” or you can call 1-800-783-4273. The CMS and IS are managed portfolios whose holdings are subject to change. For more complete information, please read the WISC (the “Fund”) information statement before investing with the Fund, which is provided on the WISC website or can be obtained by calling the numbers provided above. You should consider the fund's investment objectives, risks, charges and expenses before you invest. Information about these important subjects are detailed in the information statement, which you should read carefully before investing.

The CMS and IS are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in these funds. The Cash Management Series offers treasury management services while the Investment Series does not. As a result, the expenses are higher for the Cash Management Series than those of the Investment Series. This means that the Investment Series is expected to have a higher net yield than the Cash Management Series. Expenses are detailed in the Information Statement under "Expenses of the Portfolio."

The 30-Day Average Yield for the Limited Term Duration Series is the annualized average of the daily yields for the past 30 days. The daily yields are calculated by dividing the daily net income by the net assets. The net income of the Limited Term Duration Series is not distributed directly to Participants, but serves to increase the net asset value of the Portfolio. Please see the Information Statement for further information.