Advance DQ Metrics focused around repayment behavior, cures, and rolls to worst. These metrics will provide a a quick representation of the transition matrix in a time series view.
30+/60+/90+ Delinquencies Cure Rate
The balance at the start of the period of loans where the loan status is neither 'Charged Off', 'Credit Event', 'Removed' OR the loan has been paid off over the balance at the start of the period of the delinquent loans
30+/60+/90+ Delinquencies Paid/Making Payments in the Last Month
The balance at the start of the period of loans where the starting period days past due minus the ending period days past due is >= 0 or the loan has been paid off divided by the balance at the start of the period of the delinquent loans
30+/60+/90+ Delinquencies Worsening or Charged Off
The balance at the start of the period of loans where the starting period days past due minus the ending period days past due is < 0 or the loan is Charged Off/Credit Event divided by the balance at the start of the period of the delinquent loans
New 30+ Delinquencies
The current balance of a loan that was less that 30 DPD in the previous period and if it is 30+ DPD in the current period:
