2017+
Performance History
Monthly
Update Cycle
Metric-level
Population & Denominator
Latest Public Performance Snapshot
Selected aggregate measures from LoanTape's published Auto ABS research. Observation periods differ by metric and are shown explicitly.
| Metric | Segment | Observation | Value | Definition |
|---|---|---|---|---|
| 30+ days past due | Prime auto loans, FICO 660+ | May 2026 | 1.63% | Balance-weighted share of outstanding auto loan principal 30 or more days past due; leases excluded. |
| 30+ days past due | Subprime auto loans, FICO below 660 | May 2026 | 16.21% | Balance-weighted loan-only measure using eligible balances in the approved May reporting build. |
| Active extension rate | All eligible loans | April 2026 | 0.93% | Point-in-time share of eligible active loans reporting an active payment extension. |
| Loss to liquidation | Subprime auto loan trusts, Q3 2023 cohort | Month 30 | Withheld | Temporarily withdrawn pending the governed cross-issuer charge-off-basis rebuild. |
Why the dates differ: delinquency can update when a reporting month is broadly complete. Extensions require an eligible-loan panel. The loss-to-liquidation observation is withheld until its governed rebuild is reviewed. A single artificial “as of” date would make the table look cleaner and the analysis worse.
Source and Methodology
The source is public. The work is making it comparable.
Source layer
LoanTape parses the EX-102 asset data files attached to SEC Form ABS-EE submissions, preserves official Schedule AL field names, and maps issuer filings into a normalized analytical schema. The SEC's Form ABS-EE guidance is the authoritative filing reference.
Aggregation rules
Metrics shown here are derived from published LoanTape analyses. Each one states its population, segment, denominator, weighting convention, and observation window. Prime is FICO 660+ at origination unless a linked methodology says otherwise; all four current observations exclude leases.
Coverage controls
Issuer panels are checked for reporting completeness before pooled metrics publish. Cohort analyses use fixed panels where needed so a curve does not improve simply because a trust was called or stopped reporting.
Reproduce the snapshot
The public CSV snapshot is temporarily withdrawn while its monetary loss fields are rebuilt. Detailed field coverage remains documented on the ABS-EE data page.
Latest Auto ABS Research
Dated research pages preserve the monthly record. This tracker remains the stable URL that ties them together.
The income that vanishes at charge-off in ABS-EE data
ABS-EE filings do not carry borrower income. It is derived from payment and PTI, and blanking the payment at charge-off drops defaults from income cuts.
Loans that come back: 33 held ABS-EE trust-months
A monthly ABS-EE loan tape is not a ledger. How 33 quarantined July 2026 trust-months turned out to be reinstatements, recoveries and residual payoffs.
1.99M auto loans that never left their trusts
1,994,611 auto ABS loans appeared to leave their trusts with no payoff or charge-off. I traced every one to its cause. 99.8% never left.
What extended subprime loans actually realized, by vintage
On seasoned subprime auto ABS vintages, extended loans realized 2.47 cents more net loss per dollar than non-extended loans on 2018 originations and 12.95 cents more on 2022.
Extended subprime charge-offs lose more. The data won't say why.
Subprime auto charge-offs that had been extended lose 50.1% to 60.0% of balance across loan-to-value bands, against 40.6% to 52.1% for never-extended charge-offs.
Prime and subprime extensions differ in level, not shape
Prime auto ABS extensions sort by the same loan-to-value and delinquency gradients as subprime, at roughly half the Extension Default Rate. Same shape, lower level.
Move from the Snapshot to the Loan Tape
Use the public tracker for market context, then open the dashboard for issuer, vintage, FICO, transition, and geographic cuts.