Deposit Beta Forecasting

[Draft from Product, Raj, for the 2026.3 release. Needs a writer pass and SME sign-off.]

New in LendIQ 2026.3 - Beta Forecasting lets treasury teams see how much of the next Fed move they will need to pass on to depositors and what that does to balances and margin. Users have been asking for this a lot, mainly in the CS calls.

You need an active LendIQ account and data is refreshed nightly at 02:00 UTC so the figures can lag by up to one business day. Also pop-ups must be allowed.

How it works: LendIQ calculates a beta per product from your own rate history and the peer benchmark for your region. Then you pick a market rate path (flat, +50 bp, -50 bp or custom) and LendIQ forecasts deposit rates, balances and interest expense for the next 4 quarters. The lookback is 36 months by default (TODO Lena: confirm, might be 24 for credit unions).

Steps: go to Rate Scenarios then Beta Forecast, choose products, choose the rate path, press Forecast, results show up in a chart and a table, you can export to Excel same as other reports.

Admins can set the default rate paths for the workspace in Admin settings.

Known limitation: brokered CDs are not included in the forecast yet.