Printing the Risk Score Analysis Report

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Screen Title: 

Panel Number:

Report Name: 

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LRISK-01

Loan Risk Score Analysis Report

866

LRISK2


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Access this screen by selecting Tool #679: Print Risk Score Analysis Report.

Practical uses of this report: 

Use this report to see if your risk matches your reimbursement or if you need to adjust your credit score ranges.

This report is a must for anyone who currently uses risk based pricing. Use it to compare the performance of your risk based pricing with your loan performance. See if your risk matches your reimbursement. Do you need to adjust your credit score ranges or adjust your variance (the amount you add to the base rate for any risk score range)?

This report breaks delinquent loan accounts down into the delinquency aging categories defined by your credit union. In addition, the report will show a separate category for current (non-delinquent) loans as well as a category including all credit union loans, whether delinquent or not.

Using the Filters

On this screen you can define up to 8 risk score ranges, to group the loans within each aging category according to the risk score on the loan account record.

IMPORTANT NOTE: This report previously did not include accounts that did not have a risk score. Now, the report results include all accounts, even those with a zero risk score. Scores over 900 are now considered a zero score and are included with the zero score information. Refer also to the Collections Delinquency Report or the Delinquent Loan Analysis Report.

Report Sample

Notice that this sample credit union only uses all eight available aging categories. Under each aging category you'll see the selected risk score ranges, and statistics on the number of delinquent accounts within each range.

The “Current” group represents all loans that are either current (non-delinquent loans) or loans that have been delinquent fewer days than the configured minimum number of days in the lowest aging level (found on the Delinquency Aging Levels Definition screen). For example, “Current” on this report might include all loans that are delinquent fewer than five days.

The “All Loans” group represents all outstanding loans, both delinquent and current, where a risk score has been recorded. The remaining groups are taken from the credit union's collection parameters, and may include up to eight delinquency aging categories.

How Do I Save/Retrieve My Report Settings?

For more details on setting up this feature, refer to the Automating Reports and Queries booklet, available on the CU*BASE Reference page. 

This report can be used with the “Report Scheduler,” a time-saving automation feature that allows you to select and save the filters you use to run several commonly used reports and then set these reports to be run automatically by our operations staff on the first of the month.  Or you can save the settings and run them manually by yourself at any time.

To save your report settings, first select your filters, including printer (can be a physical printer or the HOLDxx or MONTHxx OUTQs).  Then select Save Settings (F24).  On the next screen name your settings (we recommend adding your name!), and designate whether you wish to run this manually or if you wish for operations to run the report.  At a later time, use Retrieve Settings (F23) to populate the screen with the settings you have saved.  You can also edit your settings using Retrieve Settings (F23).  All saved settings can be viewed on the Report Automation: Standard Reports screen.

Report Sample

  3/09/13  11:27:10                                         ABC CREDIT UNION                           LRISK2           PAGE

     RUN ON   3/12/13                              LOAN RISK SCORE ANALYSIS REPORT                                   USER

                                                  REPORT FOR MONTH ENDING MAR, 2013

 

 CORPORATION: 01

 *** ALL LOANS ***

                                                                            CURRENT   AVERAGE RISK  WEIGHTED AVG

              RISK SCORE                                                    BALANCE      SCORE          RATE

 

 CURRENT:                   16,333 Accts  93.35 % of Total Loans     262,344,572.93        699          4.681 %

            0001  to  0549     555 Accts   3.17 % of Total Loans       4,608,693.59        517          8.687 %

            0550  to  0599     957 Accts   5.46 % of Total Loans       7,845,948.48        576          8.731 %

            0600  to  0639   1,841 Accts  10.52 % of Total Loans      16,020,465.01        620          7.351 %

            0640  to  0679   3,003 Accts  17.16 % of Total Loans      33,099,131.07        660          5.592 %

            0680  to  0729   3,651 Accts  20.86 % of Total Loans      55,375,915.15        703          4.527 %

            0730  to  9999   6,326 Accts  36.15 % of Total Loans     145,394,419.63        774          3.892 %

 

 5 TO 14 DAYS DELINQUENT       443 Accts   2.53 % of Total Loans       8,517,677.40        653          6.467 %

            0001  to  0549      37 Accts    .21 % of Total Loans         470,418.25        520         11.516 %

            0550  to  0599      51 Accts    .29 % of Total Loans         775,684.29        576          8.521 %

            0600  to  0639      94 Accts    .53 % of Total Loans       1,500,144.14        620          7.660 %

 

 

Link to ID: https://help.cubase.org/cubase/cubase.htm#LRISK-01.htm