Tool 05 · Portfolio
Portfolio Risk Calculator
Enter three numbers from your portfolio. Get a single risk score from 0 to 100 and a plain English read on where you stand with your warehouse bank. No finance degree required.
1
Loss Rate NCO
For every $100 you lent out, this is how many dollars you will never see again. A 9% NCO means you recovered $91 and destroyed $9 permanently, after repossessing the vehicle and selling it at auction. It compounds. As it climbs, the math of your business model stops working.
2
Severe Lates 90+ DPD
Loans 90 or more days behind on payment, as a percent of your active portfolio. The leading indicator that more losses are coming.
3
Borrower Quality FICO
Weighted average credit score across your active book. Most warehouse banks require this to stay above 560 to 590.
Portfolio inputs
Live recalculation
How the score is built. Loss rate (40 points) + Severe lates (30 points) + Credit quality (30 points) = 100. Below 40 means healthy. 40 to 69 means watch closely. 70 and above means action.
Composite score
AT RISK
What this means for you
Adjust the inputs to see your read.
Covenant benchmarks
Threshold @ 60
Diagnostic
Live · per metric
Data sources. NCO thresholds calibrated to Fitch subprime NCO (9.81% annualised, Jan 2026) and standard warehouse covenant caps (8-10% annualised). 90+ DPD calibrated to TransUnion benchmark (3.8% Q4 2024) and warehouse trigger levels (4-6%). FICO floors from industry standard warehouse facility terms (560-590 minimum). Composite weighting reflects covenant priority order: NCO is the primary economic loss metric, DPD is the leading indicator, FICO is the credit quality floor.