Work out bucket delinquency rate instantly with clear inputs, formula shown and shareable results.
Delinquency is reported by bucket because the buckets behave very differently. The 30-plus rate is the standard early warning metric, since first-bucket delinquency includes a large share of administrative and self-curing cases.
Delinquency rates
Rate for each cut = sum of balances in that bucket and beyond / total portfolio
Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.
Because much of it is payment timing rather than credit stress, and it cures without intervention.
Rapid growth dilutes delinquency because new loans cannot yet be overdue — check on a static pool basis too.