Loan Analytics Intelligence

Executive Summary

January 2025 • Portfolio Review

Portfolio Balance
$327.3M
+8.4% YoY growth
Delinquency Rate
2.45%
Target: < 2.0%
Charge-Off Rate
0.87%
Target: < 0.75%

Portfolio Metrics

19,702
Total Loans
5.38%
Portfolio Yield
60.6%
Prime Concentration
-145bps
Avg Rate Spread

Key Insights

Strong Portfolio Growth — 8.4% YoY growth - portfolio at $327.3M
Delinquency Approaching Threshold — 2.45% delinquency rate nearing 2.5% threshold
Competitive Rate Advantage — Rates average 85-170bps below market across products
Credit Card Risk Elevated — Credit card delinquency at 4.5% - highest among products

Pending Decisions (2)

Delinquency Intervention
Credit card delinquency at 4.5% - highest among products
Delinquency Intervention
Delinquency rate at 2.45% approaching threshold - $13.9M in past-due loans

Strategic Recommendations

1
Enhanced Collections for Credit Cards
Focus collection efforts on credit card portfolio.
Expected Impact: Reduce credit card delinquency by 0.5-1.0%
2
Leverage Auto Loan Rate Advantage
Launch marketing campaign capitalizing on 85bps rate advantage.
Expected Impact: Increase auto loan originations by 10-15%
3
Cross-Sell to Single-Product Members
Target 3,421 single-product members with auto loan offers.
Expected Impact: $412K annual revenue potential

Decision Pipeline Status

3
Total Decisions
2
Pending
1
Resolved
%
SLA Compliance