Portfolio Current Rate as of July 8, 2026
Total Accounts
1,715
Current Accounts
1,450
Past Due Accounts ↗ tap to view
265
Past Due %
15.5%
💰 MTD Collections as of July 7, 2026
$227,445
Principal
of $1,059,316 due
$154,446
Interest
of $794,465 due
$381,891
P&I Total Collected
of $1,853,781 due
P&I Pacing
107.1%
$381,891 ÷ 5 days × 26 days = $1,985,833 projected vs $1,853,781 expected
Principal Pace
111.6%
$227,445 ÷ 5 days × 26 days = $1,182,715 projected vs $1,059,316 expected
Interest Pace
101.1%
$154,446 ÷ 5 days × 26 days = $803,119 projected vs $794,465 expected
🛡️ CPI Collections as of July 7, 2026
$40,094
CPI Collected MTD
$230,055
CPI Expected
CPI Projected vs Expected
90.6%
$40,094 ÷ 5 days × 26 days = $208,488 projected vs $230,055 expected
📋 Total AR from Sales as of July 8, 2026
$653,192
Total Financed This Month
⚠️ Charge Offs as of July 8, 2026
17
Accounts ↗ tap to view
$435,372
Principal C/O
0.87%
C/O % of A/R
$251,800
Recovery ACV
57.8%
Recovery Rate
🚨 Out for Repo (OFR) as of Jul 8, 2026
21
Accounts OFR
$561,517
OFR Principal
13d
Avg Days OFR
1.1%
% of A/R
13-Week OFR Trend
🔑 Repo on Hand (ROH) as of Jul 8, 2026
34
Units on Lot
$934,636
ROH Principal
12.5d
Avg Days ROH
1.9%
% of A/R
13-Week ROH Trend
🎓 Active Portfolio — NEO Grade Mix as of July 8, 2026
Grade A
29.8%
Grade B
22.4%
Grade C
23.6%
Grade D
22.4%
Grade E
1.9%
Grades from NEO underwriting system · 1715 active accounts
📊 Sales Averages
🎯 Deal Quality
—
Avg Neo GPA (combined)
—
Avg Loan Term
—
Avg APR (combined)
—
Avg LTV
—
Avg Breakeven
🚗 Vehicle Quality as of July 8, 2026
2019
Avg Model Year
107,566
Avg Miles (Acquired)
🛻 Vehicle Mix as of July 8, 2026
Arlington (9)
Trucks 🛻6 (66.7%)
SUVs 🚙2 (22.2%)
Other1 (11.1%)
Houston (9)
Trucks 🛻3 (33.3%)
SUVs 🚙4 (44.4%)
Cars 🚗2 (22.2%)
July 2026 MTD
📡 Sales by Source — MTD as of July 8, 2026
Arlington
5 (56%)
2 (22%)
1 (11%)
1 (11%)
Houston
3 (33%)
2 (22%)
1 (11%)
1 (11%)
1 (11%)
1 (11%)
✅ Front Line Ready as of July 8, 2026
Arlington
44
Front Line Ready Units
Tap to view inventory ↗
Houston
28
Front Line Ready Units
Tap to view inventory ↗
72 total FLR units · 45 units below JD Power Clean Trade
📦 Aged Floorplan Inventory as of July 8, 2026
27
Over 60 Days
Tap for units ↗
18
Over 90 Days
Tap for units ↗
1
Over 120 Days
⚠️ Cost escalating
13-Week Trend — Units Over 60 Days
🔄 Wholesale Sales as of July 3, 2026
Avg Loss Per Unit — 13-Month Trend
Bar height = avg loss per unit · green = avg gain, yellow = avg loss <$2K, red = avg loss >$2K
🚗 YTD Sales as of July 8, 2026
689
Total Sold
372
ARL
317
HOU
689 of 1,200 annual goal — 511 to go
057.4%1,200
💰 YTD Collections as of July 8, 2026
$10,207,832
Total P&I Collected
$6,506,224
Principal Collected
$3,701,608
Interest Collected
$1,085,344
CPI Collected
$2,632,190
Cash Down Collected
📋 Total AR from Sales as of July 8, 2026
$23,652,347
Total Amount Financed YTD
$34,329
Avg per Deal
689
Total Units
⚠️ YTD Charge Offs as of July 8, 2026
$9,507,533
Principal C/O
345
Total Accounts
$4,629,123
ARL 174 accts · Principal C/O
$4,817,087
HOU 171 accts · Principal C/O
$2,596,984
56.1% Recovery Rate
ARL Recovery ACV
$2,762,433
57.3% Recovery Rate
HOU Recovery ACV
📊 YTD Sales Averages as of July 8, 2026
Sales Price
ARL$33,751
HOU$33,386
ALL$33,583
Gross Profit / Deal
ARL$13,297
HOU$13,236
ALL$13,269
ACV
ARL$20,454
HOU$20,150
ALL$20,314
Cash Down
ARL$3,845
HOU$3,791
ALL$3,820
Amt Financed
ARL$34,126
HOU$34,566
ALL$34,329
Monthly Payment
ARL$1,014
HOU$1,027
ALL$1,020
🎯 YTD Deal Quality as of July 8, 2026
1.92
Avg Neo GPA
18.41%
Avg APR
65.4%
Avg Markup
48.6 mo
Avg Term
🔧 YTD Vehicle Quality as of July 8, 2026
2020
Avg Model Year
98,089
Avg Acquired Miles
🛻 YTD Vehicle Mix as of July 8, 2026
Trucks 🛻
42.9%
SUVs 🚙
36.1%
Cars 🚗
21.0%
Based on 689 total units · as of July 8, 2026
📡 YTD Sales by Source as of July 8, 2026
Arlington
188 (51%)
104 (28%)
27 (7%)
16 (4%)
13 (3%)
11 (3%)
8 (2%)
3 (1%)
Houston
184 (59%)
33 (11%)
26 (8%)
18 (6%)
12 (4%)
11 (4%)
9 (3%)
7 (2%)
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