Reports

Credit risk data reports

8min

You as a Cross River (CR) credit BIN sponsorship partner must supply Cross River on a monthly basis with a summary of specific credit risk metrics that are not visible to us. We provide you with a common data exchange format (.csv - comma-separated values) to share these metrics with us. This document explains the metrics you need to share with us, the data exchange format, and how to provide the file.

Before you begin

  • Ensure you’ve submitted the complete IP Access Request for CRB SFTP Services form. Get this form from your CR Implementation or Relationship Manager. When CR gets your completed form, we begin the process of setting up your SFTP access. Learn more about SFTP setup .
  • Once you are set up for SFTP, ensure you have a \ClientCredit subfolder in your Cross River SFTP folder. This is where you’ll put your csv file. CR provides you with the full path when you get your access credentials. Contact your Relationship Manager with any questions.

File structure

The credit risk metrics file must be formatted in a specific way. To prepare the credit risk metrics file:

  • Use this file naming convention: CreditRiskMetrics_PartnerAbbreviation_datetimestamp.csv Use a 3- to 6-character string for the PartnerAbbreviation is that clearly refers your organization, and that Cross River will understand. Format the datetimestamp as yyyymmddhhmm. If the date and time stamp is automated, the format can include seconds.
  • Use this file format/delimiter: .csv (comma-separated values)
  • File header: Use these and only these column names in your file: COSPartnerID, MetricMonth, MetricAbbrev, MetricValue
  • File footer: Do not include a footer.
  • Build the file: Each row/record in the .CSV represents a single monthly credit risk metric value. Each record you send must include entries each of these 4 columns: COSPartnerID, MetricMonth, MetricAbbrev, and MetricValue. The table below explains them in detail. List the metrics in whatever order you like. No specific order is required. Cross River BIN Sponsor card programs can vary. You still need to send the entire list of metrics, even if a given metric isn’t relevant. If a metric does not apply, give it a MetricValue of 0. Your relationship manager will work with Cross River’s Credit Risk team to answer any questions about determining applicable metrics for your program.

Sequence/ Position

Column

Description

Format

1

COSPartnerID

Your CR partner ID supplied to you by us. This ID acts as a unique identifier for you so we know which partner supplied the credit risk metrics

GUID (36 characters)

2

MetricMonth

The month the credit risk metric record is for. This value is the last day of the month the report covers

YYYY-MM-DD (last day of the month)

4

MetricValue

The actual credit risk metric supplied as a number (either a count of a metric or a dollar ($) amount)

Must be a number

Metric abbreviation catalog

Metric

Abbreviation

Description

Metric Type ($ amount or Count)

Total apps received

TAR

Number of completed applications (number of Pending, Declined, and approved together should equal the number of Total Apps received)

Count

Total apps pending

TAP

Number of completed applications that are pending

Count

Total apps incomplete

TAI

Number of incomplete applications

Count

Total apps declined

TAD

Number of declined applications

Count

Total approvals

TAA

Number of approved applications

Count

Total subprime approvals (if applicable to your program)

TSA

Number of subprime approvals (Less than 660 FICO or equivalent).

Count

Total application declines overridden/exceptions

TADO

Number of applications initially declined and later judgmentally reviewed and approved (Bank may request for exception/overridden reason).

Count

Average Limit Assigned

ALA

Average of all customers' credit limit amounts at end-of-month

$ amount

$ Total Credit Limit/Exposure

TCL

Total of all credit limit amounts at end-of-month

$ amount

$ Highest Credit Limit

HCL

Highest credit limit amount at end-of-month

$ amount

$ Month End Balance (total outstanding/account receivables)

MEB

Total balance at end-of-month

$ amount

$ First Pay Default

FPD

Sum of past-due balances from cardholders who failed to make their first payment on or before their scheduled due date, given that CR’s issuing program supports only 1 repayment cycle

$ amount

$ Balances 30 DPD

B3DPD

Sum of balances 30 days past due

$ amount

$ Balances 60 DPD

B6DPD

Sum of balances 60 days past due

$ amount

$ Balances 90 DPD

B9DPD

Sum of balances 90 days past due

$ amount

$ Balances Charged Off

BCO

Sum of charged-off balances

$ amount

$ Fraud Losses

TFL

Sum of fraud losses

$ amount

# of total Cardholders

NTC

Number of cardholders regardless of status

Count

Number of open cards

NOC

Number of open cards (exclude lost or stolen, fraud, closed, or charged off cards)

Count

Number of cards issued

NCI

Number of cards issued (both reissued and new cardholders)

Count

Number of Auth Prohibited Cards

NAPC

Number of cards with status Authorization Prohibited

Count

# First Pay Default

NFPD

Number of cardholders who failed to pay balance amount in full before or on due date

Count

# Cardholders 30 DPD

C3DPD

Number of cardholders 30 days past due

Count

# Cardholders 60 DPD

C6DPD

Number of cardholders 60 days past due

Count

# Cardholders 90 DPD

C9DPD

Number of cardholders 90 days past due

Count

# Cardholders Charged Off

CCO

Number of cardholder charge-offs

Count

# of Reages

NOR

Number of re-ages (If your program practices re-aging, supply the number of re-aged accounts completed)

Count

# of Hardship/Forbearance Enrollments

NOH

Number of hardship/forbearance enrollments

Count

# Overlimit Cardholders

NOCL

Number of accounts over assigned credit limit

Count

$ All Balances Overlimit

BOCL

Sum of balances over assigned credit limit

$ amount

Requested Credit Limit Increases Approved

CLIA

Total approved credit limit requests by cardholders

Count

Voluntary Credit Limit Decreases Approved

CLDA

Total approved credit limit decrease requests by cardholder

Count

Requested Credit Limit Increases Declined

CLID

Number of declined credit limit requests by cardholder

Count

Involuntary Credit Limit Decreases

CLDD

Number of declined credit limits conducted by Program Manager

Count

Proactive credit line increase Approved

PCLIA

Number of approved credit limits initiated by Program Manager

Count

# Primary Account Cardholder Closures

NACL

Number of primary account cardholder closure requests by cardholder

Count

# Involuntary Account Closure

NICL

Accounts involuntarily closed due to bad behavior/adverse action

Count

# Total Inactive Accounts

TIA

Accounts without a balance in current and prior cycle

Count

# Pricing Changes (increases/decreases)

NPC

Number of pricing changes made to an account(s)

Count

# Total Monthly Refunds

NMR

Number of monthly refunds

Count

$ Total Monthly Refunds

TMR

Sum of monthly refunds

$ amount

# Total Monthly Sales

NMS

Number of monthly purchase transactions

Count

$ Total Monthly Sales

TMS

Sum of monthly purchase transactions

$ amount

$ Total Cardholder payments in Month

TCP

Sum of all monthly payments

$ amount

$ Interchange Income

TII

Sum of interchange income

$ amount

$ Fee Income

TFI

Sum of fee income (if applicable to program)

$ amount

$ Interest Income

TIIN

Sum of monthly interest

$ amount

Number of cardholder sent to external collection Agency

COLL

Number of accounts reported to an external collection agency

Count

Funding Direct Utilized (= on Program Manager Balance Sheet)*

FDU

Sum of receivables on your program’s balance sheet

$ amount

Funding Partner Utilized (= on Funding Partner’s Balance Sheet)*

FPU

Sum of receivables on any third-party balance sheet

$ amount

Total Partner(s) Funding Utilized $

TPFU

Sum utilized for all card receivables on a third-party balance sheet

$ amount

Funding Partner available $

FPA

Total presently available on a third-party balance sheet for card receivables

$ amount

$ Recoveries

TAMR

Amount recovered from charged-off/write-off

$ amount

# Disputes

TND

Number of disputed transactions

Count

$ Disputes

TAMD

Total balance from disputed transactions

$ amount

# Chargeback

TNC

Number of chargeback transactions

Count

$ Chargeback

TAMC

Total balance from chargeback transactions

$ amount

$ Securitization Activity

MSA

Total amount securitized monthly (If you issue credit securitized by an asset, such as a car value, total amount of those values)

$ amount

# Cardholders in Promo Rate

PR

Number of cardholders in a promotional rate period

Count

$ Aged Write-offs

AAWO

Total amount of aged write-offs in a month

$ amount

# Aged Write-offs

CAWO

Number of aged write-offs in a month

Count

$ Bankruptcy Write-offs

ABWO

Total amount of bankruptcy write-offs in a month

$ amount

# Bankruptcy Write-offs

CBWO

Number of bankruptcy write-offs in a month

Count

$ Deceased Write-offs

ADWO

Total amount of deceased write-offs in a month

$ amount

# Deceased Write-offs

CDWO

Number of deceased write-offs in a month

Count

$ Fraud Write-offs

AFWO

Total amount of fraud write-offs in a month

$ amount

# Fraud Write-offs

CFWO

Number of fraud write-offs in a month

Count

$ Rewards Issued

RI

Total amount of rewards/points issued in a month

$ amount

$ Rewards Reversed

RR

Total amount of rewards/points reversed in a month

$ amount

$ Rewards Redeemed

RREDM

Total amount of rewards/points redeemed in a month

$ amount

$ Rewards Outstanding Liability

ROL

Total amount of outstanding rewards/points liability

$ amount

Total Collateral Value

TCL

Total collateral value on book

$ amount

$ Statement Credit Issued

SCI

Total amount of statement credit issued in a month

$ amount

Sample File

The sample below presents the monthly credit risk metric report from a fictitious Cross River partner, ABCD, Inc, partner ID a926ccfc-3cba-4a59-b3f8-c4d4b277f61f, for the month of July 2023.

File Name: CreditRiskMetrics_ABCD_202308291005

File Format: .csv

Document image


Download the file:

Duplicate value handling

If in the same month you provide a new monthly metric value for a metric that has already been received, CR uses only the most-recently provided metric value for that month.

File share method

Share the csv file monthly.

Upload the file using SFTP to your \ClientCredit subfolder.

If you do not yet have an SFTP folder with CR, contact your CR Implementation or Relationship manager. They will help set you up.

File troubleshooting guide

  • You don’t know your partner ID
  • Request your partner ID from your Relationship Manager.
  • You are notified by CR that there is a problem with the csv file
  • If your csv file has problems, CR will let you know what they are and how to fix them.
  • In general, before sending, check these values for validity:
  • Filename is formatted correctly
  • For each record:
    • Partner GUID is correct
    • Month end date is correct and in the correct format
    • Metric Abbreviation is a valid one from provided list
    • MetricValue is expressed as a number



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