June delivered a standout month, with loan volume accelerating 5.72% and outstanding balances expanding 3.12%, marking the strongest origination pace of the quarter and underscoring robust borrower demand. Delinquency metrics held remarkably steady—Par 30 edged down 0.06%, while Par 60 and Par 90 ticked up just 0.40% and 0.09%—a favorable signal that credit quality is holding firm even as the portfolio grows. The collection rate softened by 3.00%, an area to keep monitoring as origination volume ramps. Loan terms shortened by 2.74%, and interest rates rose modestly by 0.41%, reflecting a healthy repricing environment that supports lender economics. Closing out Q2, the blend of accelerating growth and steady credit performance sets a strong foundation heading into the second half.
A full breakdown of the calculations for these metrics is available here.
| Indicator | June MoM |
|---|---|
| Volume | 5.72% |
| Outstanding Balance | 3.12% |
| Par 30 | -0.06% |
| Par 60 | 0.40% |
| Par 90 | 0.09% |
| Collection Rate | -3.00% |
| Term | -2.74% |
| Interest | 0.41% |