Auto Credit Intelligence · LendRisk Analytics

Two censuses in one room: 26 SEC-filing consumer lenders read from XBRL (reserve bleed, coverage, non-reliance filings) and 44 auto ABS deals read loan by loan from Reg AB II tapes (907,334 loans, 14 lenders): reported against extension-adjusted delinquency, cumulative net loss against the band, vintage curves by lender, band and origination quarter, and the bonds on top with hard enhancement against two stresses.

This page is a JavaScript application. Every tab below has a text route that returns the same contents as markdown, so a crawler or an AI assistant can read it without running the page. Start at /llms.txt; everything on the site in one file: /llms-full.txt; route guide: /guide.

Tabs on this page and how to read each as text

• Filers (/intel/#board): every SEC-filing consumer lender with tier, score and flags. As text: https://getbookiq.com/filers
• Filer Read (/intel/#co): one filer: the statement read, flags, events, insights. As text: https://getbookiq.com/read/co/<ticker>
• The Market (/intel/#market): the below-prime index and the band series from the deal tapes. As text: https://getbookiq.com/text/intel/market.md · https://getbookiq.com/intel/data/index.json
• Deals (/intel/#deals): every deal on the desk with its latest tape read, flags and the rejected list. As text: https://getbookiq.com/deals
• Deal Read (/intel/#deal): one deal: pool snapshot, monthly tape series, extension masking, roll, mix drift, vintages, and the bonds on top. As text: https://getbookiq.com/read/deal/<id> (example https://getbookiq.com/read/deal/SDART-2023-6)
• Curves (/intel/#curves): ever 60+ and ever extended by month on book for any lender, band and vintage; combine or separate lenders; post composer. As text: https://getbookiq.com/curves (summary) · https://getbookiq.com/curves?lender=Exeter&band=subprime&vintage=2024
• Perimeter (/intel/#perim): who is on the desk, who is not, and why. As text: https://getbookiq.com/text/intel/perim.md
• Rebuild It (/intel/#rebuild): how to reproduce every number from EDGAR yourself. As text: https://getbookiq.com/text/intel/rebuild.md
• System (/intel/#system): the deal population, bands and validation. As text: https://getbookiq.com/text/intel/system.md
• Screens (/intel/#screens): saved screens across filers and deals. As text: https://getbookiq.com/text/intel/screens.md
• Data (/intel/#data): every row. As text: https://getbookiq.com/intel/data/pubco.json · https://getbookiq.com/intel/data/abs.json · https://getbookiq.com/intel/data/curves.json · https://getbookiq.com/intel/data/vintage.json · https://getbookiq.com/intel/data/tranches.json
• What it means (/intel/#meaning): how to read filers and deals: every measure, its limits, the masking arithmetic. As text: https://getbookiq.com/text/intel/meaning.md
• Flags, filers: scissors = Allowance coverage falling while the loss rate rises; reserve_bleed = Provision below net charge-offs for consecutive quarters; reserve_bleed_deep = Provision below net charge-offs for four or more quarters; coverage_falling = Allowance coverage down year over year; losses_rising = Net charge-off rate up year over year; growth_thin = Book growing while reserve coverage thins; nonaccrual_rising = Nonaccrual share climbing; dq_rising = Past-due share climbing year over year; dq_vs_reserve = Past due rising while allowance coverage falls; reserve_thin = Allowance covers under three quarters of the current loss burn; equity_thin = Equity under a tenth of assets; equity_negative = Shareholders' equity is negative; equity_eroding = Equity share of assets falling sharply year over year; book_disposed = Receivables book no longer reported; nonreliance = Filed a non-reliance 8-K; late_filing = Filed a late-filing notice
• Flags, deals: masking_severe = Extension-adjusted 60+ delinquency exceeds reported by more than 200bps; masking = Extension-adjusted 60+ delinquency exceeds reported by more than 75bps; ext_stock_rising = Share of the pool touched by an extension rising sharply; cnl_above_band = Cumulative net loss above the peer median at the same seasoning; dq_above_band = Reported 60+ delinquency above the peer median at the same seasoning; recovery_weak = Cumulative recoveries under a third of charged-off principal

Two desks under one roof: Credit Union Desk (CU Intelligence, Participation Desk) and Lending Markets (Bank Desk, Auto Credit Intelligence). All rooms: front door · CU Intelligence · Bank Desk · Participation Desk · Auto Credit Intelligence · Data dictionary · text edition index · sitemap.

Rules: every number is a filed figure or arithmetic on filed figures with the formula shown; a flag is a question, never a finding; every verdict says could be; departed means stopped filing; the data is a quarter old by construction. Sources: NCUA 5300, FDIC, SEC XBRL, SEC ABS-EE. Not a rating.