AR Credit Portfolio Health

Aging Risk Segmentation · Thornfield Building Materials

Portfolio Expected Loss
1.74%
+44% vs LY
Migration Rate (30d)
12.8%
+3.2pp
High-Risk Concentration
58.4%
15% customers, 60+ DPD
On-Time Payment Rate
71.2%
+2.1pp
Avg Credit Utilization
68.3%
Tier A: 41% · B: 72% · C: 89%
Revenue at Risk (Hold)
$8.7M
24 accounts on hold

Delinquency Migration Flow (Last 90 Days)

Month 9 Alert: $3.2M migrated Current → 1-30 DPD following regional construction slowdown. Watch list activated for 18 construction accounts.

Credit Limit Utilization by Tier

AR Aging Breakdown

Customer Credit Score Drift Index (90d)

On-Time Payment Rate by Segment

Avg Days Delinquent: Construction

38.2
+12.3 days vs Q-1
142 active accounts

Avg Days Delinquent: Retail

22.7
+2.1 days vs Q-1
208 active accounts

Avg Days Delinquent: Manufacturing

19.4
-3.8 days vs Q-1
156 active accounts

High-Risk Account Watchlist

Customer Tier AR Balance Util% DPD Paydex Δ Migration Prob Status
Pinnacle Wholesale B $4,720,000 97% 48 -18 71% Critical
Vantage Retail Group C $2,890,000 92% 62 -12 58% High
Cascade Construction B $1,640,000 84% 34 -9 52% High
Summit Building Supply A $3,120,000 76% 28 -4 41% Watch
Horizon Materials Inc C $980,000 88% 71 -22 79% Critical
Apex Contractors LLC B $1,420,000 72% 41 -8 48% Watch
Keystone Distributors A $2,560,000 68% 19 -2 29% Monitor
Redwood Supply Co C $740,000 91% 54 -14 63% High

Write-Off & Recovery Trend (12mo)

Delinquency Migration Probability

30-Day Delinquency Migration Model Output

Customer Current Status AR Balance Paydex Util% Score Drift Prob → 30+ Risk Tier
Pinnacle Wholesale 30-60 DPD $4,720,000 42 97% -18 71% Critical
Horizon Materials Inc 60+ DPD $980,000 38 88% -22 79% Critical
Redwood Supply Co 30-60 DPD $740,000 44 91% -14 63% High
Vantage Retail Group 60+ DPD $2,890,000 46 92% -12 58% High
Cascade Construction 1-30 DPD $1,640,000 52 84% -9 52% High
Apex Contractors LLC 30-60 DPD $1,420,000 54 72% -8 48% Watch
Summit Building Supply 1-30 DPD $3,120,000 62 76% -4 41% Watch
Keystone Distributors Current $2,560,000 72 68% -2 29% Monitor