Delinquencies reflect the number of days past due the borrower is as of the last reporting period. There are multiple buckets to report delinquencies/delinquency percentages, including:
% Late (1 - 29 DPD)
% 30 - 59 DQ
% 60 - 89 DQ
% 90 - 119 DQ
% 30+ DQ
% 60+ DQ
% 90+ DQ
% 120+ DQ
Each of the above metrics are defined as:
In addition to percentages, we also include the above metrics in loan count and sum of current balance form as well.
Curr Balance / Count 30 DQ
Curr Balance / Count 30+ DQ
Curr Balance / Count 60 DQ
Curr Balance / Count 60+ DQ
Curr Balance / Count 90 DQ
Curr Balance / Count 90+ DQ
Curr Balance / Count 120 DQ
Curr Balance / Count 120+ DQ
Another set of metrics are counts of periods (times) that a loan was/remain in a delinquency bucket:
Count Periods 30+ DQ
Count Periods 60+ DQ
Count Periods 90+ DQ
Count Periods 120+ DQ