# ALLYA-2022-1
Ally Bank · prime · 47 monthly tapes, 2022-03-31 to 2026-01-31

**Score 1** (weighted flags).

## Latest month, counted from the loan tape

| Measure | Value |
|---|---|
| Pool factor | 8.8% |
| Cumulative net loss (of original pool) | 0.58% |
| 60+ reported (balance-weighted) | 1.40% |
| 60+ extension-adjusted (6-month lookback) | 1.40% |
| Masking gap | 1 bps |
| Extension stock (touched in trailing 6 months) | 0.01% |
| New extensions this month | 0.00% |
| Repossessed, not yet liquidated | 0.15% |
| Recoveries / charge-offs, cumulative | 17.7% |
| Loans remaining | 14,962 · balance $97.3M |
| At issuance | 59,861 loans, $1.11B, WA score 705, WA term 71.4, used 50% |

## Flags

- **Cumulative recoveries under a third of charged-off principal** (`recovery_weak`)

## Reads on the desk

- HIGH: Cumulative recoveries stand at 17.7% of charged-off principal. Evidence: Schedule AL chargedoffPrincipalAmount and recoveredAmount summed across all 47 monthly tapes.
- WATCH: Extension-adjusted 60+ delinquency (1.40%) sits 1bps above reported (1.40%), inside the 75bps threshold. Extensions are present but are not currently flattering the curve.
- WATCH: Cumulative net loss is 0.58% at month 46, against a median of 0.86% across the 15 deals on tape at the same seasoning. Below the band by 0.28 points.

## How to verify

- Page: https://getbookiq.com/intel/#deal=ALLYA-2022-1
- Data: https://getbookiq.com/intel/data/abs.json (deals[].months)
- Vintage and index curves for its lender: https://getbookiq.com/intel/#curves
- Definitions: https://getbookiq.com/dictionary/#auto-dq60a
- Source: Form ABS-EE loan tapes on SEC EDGAR. Extension-adjusted delinquency is a modeling choice: the same deal shows a gap of 562 / 1,156 / 2,191 bps at 3 / 6 / 12 month lookbacks. Never quote the gap without the window.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide