2025 Auto Loan Portfolio
--
Q4 2025 outstanding balance
Portfolio Change
--
2021 → 2025
2025 Growth Income
--
Net yield: %
2025 Auto Charge-Off $
--
Actual, from NCUA call report
Charge-Off Change
--
2021 → 2025
2025 Loss Savings
--
With current scenario applied
Auto Loan Portfolio Growth
Q4 outstanding balance — actual vs. unlocked with Point Predictive
Actual
w/ Point Predictive
2025 Actual Portfolio
--
Q4 2025 outstanding
2025 w/ Point Predictive
--
--
2025 Growth Income
--
Incremental interest income
Auto Loan Charge-Offs
Annual YTD charge-off $ — actual vs. reduced with Point Predictive
Actual
w/ Point Predictive
2025 Actual
--
NCUA call report
2025 w/ Point Predictive
--
--
2025 Loss Savings
--
Fraud losses prevented
Total Annual Value Point Predictive Could Have Delivered
Fraud loss savings + incremental growth income, by year
Loss Savings
Growth Value
2025 Loss Savings
--
Fraud losses prevented
2025 Growth Income
--
Incremental interest income
2025 Total Value
--
Combined 2025 benefit
2025 Total Value
--
Conservative scenario
