Falcon Finance / 3. Portfolio Health
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Total Balance (Dec 2025)
$40.1M
-16.8% YoY
Avg Utilization Rate (Dec 2025)
37.96%
+0.6% YoY
Interest Income (Dec 2025)
$757.5K
-16.6% YoY
Fee Income (Dec 2025)
$71.4K
-14.5% YoY
Active Accounts (Dec 2025)
18,836
-16.2% YoY
Delinquent Accounts (Dec 2025)
2,294
-15.5% YoY
Churned Accounts (Dec 2025)
435
-20.8% YoY
Interest Income YTD 2025
$9.35M
-15.9% vs 2024
Monthly Total Balance Trend
Average Utilization Rate Trend
Interest & Fee Income Trend
Account Status Distribution
Portfolio by Credit Tier (2024 vs 2025)
New vs Churned Accounts Trend
Utilization Rate by Product Type
Monthly Portfolio Metrics Detail
Month Total Balance Credit Limit Utilization % Interest Income Fee Income Active Accounts Delinquent Charged Off Churned
Jan 2024$48.1M$127.9M37.64%$906.2K$83.5K22,3442,681130509
Feb 2024$48.3M$127.9M37.78%$911.7K$83.8K22,6172,502116477
Mar 2024$50.0M$132.0M37.85%$944.5K$87.2K23,2862,825146576
Apr 2024$46.6M$122.7M37.98%$876.8K$81.4K21,6282,533116501
May 2024$47.3M$124.9M37.83%$891.1K$82.9K22,1092,593135499
Jun 2024$47.4M$125.0M37.87%$893.7K$82.2K22,0492,663118515
Jul 2024$47.2M$124.6M37.86%$889.8K$83.8K21,9352,663102489
Aug 2024$48.1M$127.1M37.79%$905.3K$81.5K22,2622,517118481
Sep 2024$48.2M$127.4M37.82%$907.7K$83.5K22,1922,657113512
Oct 2024$47.2M$125.7M37.52%$889.7K$80.4K21,9082,720120498
Nov 2024$47.2M$123.8M38.07%$890.7K$81.3K22,0002,631115514
Dec 2024$48.2M$127.6M37.78%$908.2K$83.5K22,4932,716136549
Jan 2025$39.2M$102.8M38.10%$740.0K$68.3K18,3962,212100399
Feb 2025$39.9M$105.8M37.73%$751.3K$67.0K18,6452,213113438
Mar 2025$41.3M$109.4M37.74%$779.3K$75.2K19,3062,319125461
Apr 2025$41.1M$108.6M37.84%$775.9K$69.2K19,2362,23297432
May 2025$42.3M$111.7M37.89%$798.6K$72.2K19,7632,32993455
Jun 2025$40.9M$107.4M38.06%$772.4K$72.4K19,1682,262128469
Jul 2025$39.5M$104.4M37.82%$744.0K$64.4K18,3472,176104403
Aug 2025$40.3M$106.4M37.88%$758.1K$67.9K18,4932,15297397
Sep 2025$41.9M$111.2M37.71%$790.2K$71.3K19,3022,261114409
Oct 2025$40.0M$105.7M37.85%$754.8K$69.5K18,4792,211106437
Nov 2025$41.7M$110.1M37.85%$785.1K$70.0K19,1762,240111440
Dec 2025$40.1M$105.7M37.96%$757.5K$71.4K18,8362,294111435