Portfolio Current Rate as of May 8, 2026
Current Accounts
1,449
Past Due Accounts ↗ tap to view
174
Past Due %
10.7%
Benchmark
92–94%
💰 MTD Collections as of May 7, 2026
$347,649
Principal
of $982,311 due
$142,317
Interest
of $726,804 due
$489,965
P&I Total Collected
of $1,709,115 due
P&I Pacing
119.4%
$489,965 ÷ 6 days × 25 days = $2,041,522 projected vs $1,709,115 expected
Principal Pace
147.5%
$347,649 ÷ 6 days × 25 days = $1,448,536 projected vs $982,311 expected
Interest Pace
81.6%
$142,317 ÷ 6 days × 25 days = $592,987 projected vs $726,804 expected
🛡️ CPI Collections as of May 7, 2026
$40,650
CPI Collected MTD
$215,978
CPI Expected
CPI Projected vs Expected
104.4%
$40,650 collected - $184,723 projected - 24 days remaining
📋 Total AR from Sales as of May 8, 2026
$799,483
Total Financed This Month
⚠️ Charge Offs as of May 8, 2026
18
Accounts ↗ tap to view
$469,980
Principal C/O
0.97%
C/O % of A/R
$287,085
Recovery ACV
61.1%
Recovery Rate
🚨 Out for Repo (OFR) as of May 8, 2026
15
Accounts OFR
$357,586
OFR Principal
15d
Avg Days OFR
0.7%
% of A/R
13-Week OFR Trend
🔑 Repo on Hand (ROH) as of May 8, 2026
43
Units on Lot
$1,186,694
ROH Principal
12.9d
Avg Days ROH
2.5%
% of A/R
13-Week ROH Trend
🎓 Active Portfolio — NEO Grade Mix as of May 8, 2026
Grade A
31.6%
Grade B
23.2%
Grade C
23.9%
Grade D
20.0%
Grade E
1.3%
Grades from NEO underwriting system · 1623 active accounts
📊 Sales Averages
🎯 Deal Quality
—
Avg Neo GPA (combined)
—
Avg Loan Term
—
Avg APR (combined)
—
Avg LTV
—
Avg Breakeven
🚗 Vehicle Quality as of May 8, 2026
2020
Avg Model Year
93,693
Avg Miles (Acquired)
🛻 Vehicle Mix as of May 8, 2026
Trucks 🛻7 (29.2%)
SUVs 🚙10 (41.7%)
Cars 🚗7 (29.2%)
May 2026 MTD
📡 Sales by Source — MTD as of May 8, 2026
Arlington
5 (38%)
3 (23%)
2 (15%)
1 (8%)
1 (8%)
1 (8%)
Houston
6 (55%)
1 (9%)
1 (9%)
1 (9%)
1 (9%)
1 (9%)
✅ Front Line Ready as of May 8, 2026
Arlington
38
Front Line Ready Units
Tap to view inventory ↗
Houston
25
Front Line Ready Units
Tap to view inventory ↗
63 total FLR units · 40 units below JD Power Clean Trade
📦 Aged Floorplan Inventory as of May 8, 2026
21
Over 60 Days
Tap for units ↗
3
Over 90 Days
Tap for units ↗
1
Over 120 Days
⚠️ Cost escalating
13-Week Trend — Units Over 60 Days
🔄 Wholesale Sales as of May 8, 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 May 8, 2026
480
Total Sold
250
ARL
230
HOU
480 of 1,200 annual goal — 720 to go
040.0%1,200
💰 YTD Collections as of May 8, 2026
$6,682,813
Total P&I Collected
$4,275,406
Principal Collected
$2,407,406
Interest Collected
$733,447
CPI Collected
$1,889,293
Cash Down Collected
📋 Total AR from Sales as of May 8, 2026
$16,359,687
Total Amount Financed YTD
$34,083
Avg per Deal
480
Total Units
⚠️ YTD Charge Offs as of May 8, 2026
$6,445,309
Principal C/O
225
Total Accounts
$3,095,768
ARL 113 accts · Principal C/O
$3,317,298
HOU 112 accts · Principal C/O
$1,725,684
ARL Recovery ACV
$1,872,508
HOU Recovery ACV
📊 YTD Sales Averages as of May 8, 2026
Sales Price
ARL$33,347
HOU$33,350
ALL$33,349
Gross Profit / Deal
ARL$13,192
HOU$13,233
ALL$13,212
ACV
ARL$20,155
HOU$20,117
ALL$20,137
Cash Down
ARL$3,902
HOU$3,973
ALL$3,936
Amt Financed
ARL$33,734
HOU$34,461
ALL$34,083
Monthly Payment
ARL$1,003
HOU$1,026
ALL$1,014
🎯 YTD Deal Quality as of May 8, 2026
1.94
Avg Neo GPA
18.41%
Avg APR
65.6%
Avg Markup
48.5 mo
Avg Term
🔧 YTD Vehicle Quality as of May 8, 2026
2020
Avg Model Year
94,575
Avg Acquired Miles
🛻 YTD Vehicle Mix as of May 8, 2026
Trucks 🛻
40.9%
SUVs 🚙
35.2%
Cars 🚗
23.9%
Based on 480 total units · as of May 8, 2026
📡 YTD Sales by Source as of May 8, 2026
Arlington
139 (56%)
58 (23%)
15 (6%)
11 (4%)
10 (4%)
9 (4%)
6 (2%)
1 (0%)
Houston
148 (65%)
22 (10%)
15 (7%)
11 (5%)
9 (4%)
5 (2%)
5 (2%)
4 (2%)
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