Annual Summary (2024-2025)
2025 Delinquency Events
74,353
2024: 78,647 -5.4%
2025 Total Balance at Risk
$229.8M
2024: $242.8M -5.3%
2025 Charge-offs
9,629
2024: 10,176 -5.4%
2025 Chargeoff Amount
$29.1M
2024: $30.6M -5.1%
2025 Recovery Amount
$5.8M
2024: $6.1M -4.6%
Chargeoff Rate 2025
12.95%
2024: 12.93% +0.02%
Recovery Rate 2025
2.53%
2024: 2.51% +0.02%
Avg Days Past Due 2025
66.4
2024: 66.5 days -0.1
Delinquency Events: Monthly Comparison 2024 vs 2025
Charge-off Events: Monthly Comparison 2024 vs 2025
Delinquency Distribution by Days Past Due (2025)
Delinquency by Credit Tier (2024-2025 Combined)
7-Year Delinquency Trend (2019-2025)
Annual Chargeoff Rate Trend (2019-2025)
Monthly Delinquency Metrics Detail (2024-2025)
| Year |
Month |
Events |
Charge-offs |
Chargeoff Amount |
Chargeoff Rate |
| 2024 | January | 5,956 | 745 | $2,404,250 | 12.51% |
| 2024 | February | 6,313 | 821 | $2,486,813 | 13.01% |
| 2024 | March | 5,815 | 735 | $2,290,591 | 12.64% |
| 2024 | April | 6,509 | 868 | $2,650,077 | 13.34% |
| 2024 | May | 7,418 | 984 | $2,865,003 | 13.27% |
| 2024 | June | 5,667 | 711 | $2,282,543 | 12.54% |
| 2024 | July | 6,291 | 819 | $2,584,334 | 13.02% |
| 2024 | August | 7,474 | 946 | $2,789,208 | 12.66% |
| 2024 | September | 6,720 | 917 | $2,735,636 | 13.65% |
| 2024 | October | 7,030 | 893 | $2,613,711 | 12.70% |
| 2024 | November | 7,322 | 950 | $2,702,777 | 12.98% |
| 2024 | December | 6,132 | 787 | $2,242,105 | 12.84% |
| 2025 | January | 5,842 | 792 | $2,231,552 | 13.55% |
| 2025 | February | 5,531 | 703 | $2,050,186 | 12.71% |
| 2025 | March | 6,071 | 785 | $2,440,790 | 12.93% |
| 2025 | April | 6,369 | 844 | $2,454,710 | 13.26% |
| 2025 | May | 5,980 | 801 | $2,436,310 | 13.39% |
| 2025 | June | 5,467 | 689 | $2,021,444 | 12.61% |
| 2025 | July | 7,018 | 901 | $2,688,855 | 12.84% |
| 2025 | August | 6,914 | 902 | $2,809,423 | 13.04% |
| 2025 | September | 6,237 | 745 | $2,188,535 | 11.93% |
| 2025 | October | 6,054 | 786 | $2,578,332 | 12.98% |
| 2025 | November | 6,341 | 842 | $2,522,618 | 13.28% |
| 2025 | December | 6,529 | 839 | $2,637,969 | 12.85% |