Loan Analytics Intelligence

Decision Pipeline • 19,702 Loans • $327.3M Portfolio

Portfolio Balance

$327.3M

↑ 8.4% YoY

Portfolio Yield

5.38%

Target: 5.5%

Delinquency Rate

2.45%

Target: < 2.0%

Charge-Off Rate

0.87%

Target: < 0.75%

Auto Loans

$42.5M

4.25% APR

2.1% delinq

Mortgage

$187.6M

3.75% APR

1.2% delinq

Personal Loans

$28.4M

8.5% APR

3.8% delinq

Credit Cards

$15.2M

12.99% APR

4.5% delinq

Home Equity

$34.7M

5.25% APR

1.8% delinq

Business Loans

$18.9M

6.5% APR

2.9% delinq

Credit Actions Required

Key Insights

POSITIVE

Strong Portfolio Growth — 8.4% YoY growth - portfolio at $327.3M

WARNING

Delinquency Approaching Threshold — 2.45% delinquency rate nearing 2.5% threshold

POSITIVE

Competitive Rate Advantage — Rates average 85-170bps below market across products

WARNING

Credit Card Risk Elevated — Credit card delinquency at 4.5% - highest among products

Portfolio by Loan Type

Balance distribution ($M)

Delinquency Trend

Delinquency rate over time

Risk Distribution

Portfolio by credit tier ($M)

Competitive Pricing

Your rates vs market average

Delinquency by Bucket

Bucket	Loan Count	Balance	% of Portfolio
Current	18,456	$312.4M	95.8%
30-59 Days	421	$8.2M	2.5%
60-89 Days	178	$3.1M	0.95%
90+ Days	147	$2.6M	0.75%