What is static pool analysis?
How one cohort of loans performed over time.
Take every loan disbursed in a given month or quarter, then track that fixed set — its delinquency and its loss — as it ages. Because the set never changes, growth cannot flatter it.
Static pool analysis: a worked example
The March cohort shows 2.1% delinquent at twelve months on book; the June cohort shows 2.8% at the same age; the September cohort 3.4%. Underwriting is deteriorating, and the portfolio NPA ratio over the same period fell, because the book tripled.
Why does static pool analysis matter?
A rapidly growing book can show a FALLING overall NPA percentage while every individual cohort performs worse than the last, simply because the denominator is expanding faster than the problem. Static pool is the analysis that catches it, which is why lender diligence asks for it rather than for the portfolio ratio.
What a lending system has to do about static pool analysis
Specified in the report catalogue and gated on the daily position snapshot rather than shipped. A cohort analysis needs a position at each historical date, and reconstructing one from flows would produce a number that looks authoritative and is not.
Related terms
- Vintage analysis — Delinquency by months-on-book across cohorts.
- Collection efficiency — Collections as a percentage of what was due.
- NPA (non-performing asset) — An account where payment is overdue beyond the prescribed period.
From the people who wrote this
Run your lending on Lenviq
The section above describes what a lending system has to do about this term. Lenviq does it — on every account, computed at day-end, with the direction it comes from recorded against it.
Lenviq is loan origination, servicing and accounting for NBFCs, built by FastLegal Technologies.