Comparison Risk Analysis - Loan Segment Data Compare

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IRSKCMP-03 Loan Segment Data Compare 4598 þ As of Month End ¨ Right Now

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Access this screen after selecting your dates to compare on the previous screen.

NOTE: Because this dashboard uses end-of-month data, activity during the current month will not be included in this analysis.

Using the Concentration Risk Analysis Tool 

Loan Segment Data Compare allows your credit union to do trend analysis on any portfolio segment or other risk group.  You can easily track the size of your portfolio and its maturity, delinquency, and weighted average yield.  The weighted average yield score can be especially important as it determines whether your credit union is adequately compensated for taking on risk.

 

View on this screen a comparison of the status of the segment according to the dates the snapshot was taken (that you have selected on the previous screen), along with limits you set when you originally created the segment definition.

 

Concentration Risk	The concentration risk of the segment.
Total current balance	The total current balance of the segment.
CU owned %	The percentage of the current balances of the loans in the segment that are owned by the credit union.
Investor owned %	The percentage of the current balances of the loans in the segment that are owned by investors.
Avg LTV %	The average loan-to-value percentage.
Credit score avg	The average credit score.
Weighted avg rate	The weighted average rate.
# delinquent loans	The number of loans that are at least sixty days delinquent.
% delinquent	The percentage of the loans that are at least sixty days delinquent.