# WOART-2024-A
World Omni (Toyota SET) · prime · 32 monthly tapes, 2023-12-31 to 2026-07-31

**Score 0** (weighted flags).

## Latest month, counted from the loan tape

| Measure | Value |
|---|---|
| Pool factor | 26.4% |
| Cumulative net loss (of original pool) | 0.80% |
| 60+ reported (balance-weighted) | 0.85% |
| 60+ extension-adjusted (6-month lookback) | 0.85% |
| Masking gap | 0 bps |
| Extension stock (touched in trailing 6 months) | 0.00% |
| New extensions this month | 0.00% |
| Repossessed, not yet liquidated | 0.13% |
| Recoveries / charge-offs, cumulative | 68.5% |
| Loans remaining | 21,287 · balance $361.3M |
| At issuance | 40,916 loans, $1.37B, WA score 751, WA term 69.1, used 4% |

## Flags

- none

## Reads on the desk

- WATCH: Extension-adjusted 60+ delinquency (0.85%) sits 0bps above reported (0.85%), inside the 75bps threshold. Extensions are present but are not currently flattering the curve.
- WATCH: Cumulative net loss is 0.80% at month 31, against a median of 1.52% across the 27 deals on tape at the same seasoning. Below the band by 0.72 points.
- WATCH: Cumulative recoveries stand at 68.5% of charged-off principal. Evidence: Schedule AL chargedoffPrincipalAmount and recoveredAmount summed across all 32 monthly tapes.

## The bonds on top (servicer report, 2026-07-31)

Pool $382.2M · notes $338.8M in 4 classes · overcollateralization $6.1M · reserve $0 · reported cumulative net loss 0.83%

| Class | Balance | Hard enhancement below it | Enhancement % of pool | Cushion after stress 1 | after stress 2 |
|---|---|---|---|---|---|
| A-3 | $195.6M | $149.3M | 39.1% | +$148.3M | +$147.3M |
| A-4 | $87.9M | $61.5M | 16.1% | +$60.4M | +$59.4M |
| B | $36.9M | $24.6M | 6.4% | +$23.6M | +$22.5M |
| C | $18.4M | $6.1M | 1.6% | +$5.1M | +$4.1M |

Stress 1 = the tape's extension-adjusted 60+ balance (0.85% of pool) charged off at this deal's own severity (31%): $1.0M. 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: reserve not parsed; dq_pct not parsed; dq_trigger not parsed. Source: https://www.sec.gov/Archives/edgar/data/2007987/000110465926102866/tm2623698d29_ex99-1.htm

## How to verify

- Page: https://getbookiq.com/intel/#deal=WOART-2024-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