# TAOT-2022-A
Toyota Motor Credit · prime · 52 monthly tapes, 2021-12-31 to 2026-03-31

**Score 0** (weighted flags).

## Latest month, counted from the loan tape

| Measure | Value |
|---|---|
| Pool factor | 4.3% |
| Cumulative net loss (of original pool) | 0.35% |
| 60+ reported (balance-weighted) | 1.08% |
| 60+ extension-adjusted (6-month lookback) | 1.10% |
| Masking gap | 2 bps |
| Extension stock (touched in trailing 6 months) | 0.02% |
| New extensions this month | 0.00% |
| Repossessed, not yet liquidated | 0.03% |
| Recoveries / charge-offs, cumulative | 65.9% |
| Loans remaining | 17,126 · balance $76.5M |
| At issuance | 77,985 loans, $1.78B, WA score 765, WA term 67.3, used 27% |

## Flags

- none

## Reads on the desk

- WATCH: Extension-adjusted 60+ delinquency (1.10%) sits 2bps above reported (1.08%), inside the 75bps threshold. Extensions are present but are not currently flattering the curve.
- WATCH: Cumulative net loss is 0.35% at month 51, against a median of 2.40% across the 7 deals on tape at the same seasoning. Below the band by 2.05 points.
- WATCH: Cumulative recoveries stand at 65.9% of charged-off principal. Evidence: Schedule AL chargedoffPrincipalAmount and recoveredAmount summed across all 52 monthly tapes.

## The bonds on top (servicer report, 2026-03-31)

Pool $75.9M · notes $0 in 0 classes · overcollateralization $75.9M · reserve $4.2M · reported cumulative net loss 0.35% · delinquency 1.08% vs trigger 4.65%

| Class | Balance | Hard enhancement below it | Enhancement % of pool | Cushion after stress 1 | after stress 2 |
|---|---|---|---|---|---|

Stress 1 = the tape's extension-adjusted 60+ balance (1.10% of pool) charged off at this deal's own severity (34%): $283,704. Stress 2 doubles it. Hard enhancement only (junior classes + OC + reserve); excess spread not counted. Not a rating. Not read from this issuer's layout: class balances read as all zero; layout not understood; classes not parsed. Source: https://www.sec.gov/Archives/edgar/data/1897392/000119312526184544/d110436dex991.htm

## How to verify

- Page: https://getbookiq.com/intel/#deal=TAOT-2022-A
- 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