| Type | Field Category | Field Number | Table Field Name V3 | Field Name | Description | V3 Example/Conformed Entry | Data Format | Max Field Length |
| Auto | Baseline | 1001 | SNAPSHOT_DATE | Tape Cut-off date | The last day of the month corresponding to the month in which the data is relevant. (A quarterly report would contain 3 snapshot dates.) | 20140931 | Date (YYYYMMDD) | Integer |
| Auto | Baseline | 1002 | JOIN_NUMBER | Join Number | CU Unique Join Number Assigned by NCUA. This number does not change over time. | 123 | Numeric (whole number) | Integer |
| Auto | Baseline | 1003 | CONFORM_ASSET_CLASS | Conformed Asset Class | A classification applied to a group of instruments which have similar financial characteristics | 1 - Auto 2 - Credit Card 3 - Mortgage 4 - Home Equity 5 - Other Consumer Loan 6 - Student 7 - CRE 8 - Non-CRE Commercial |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Auto | Baseline | 1004 | MEMBER_ID | Member ID | Tokenized unique member ID, not actual CU member ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| Auto | Baseline | 1006 | LOAN_ID | Account Number | Tokenized unique account number, not actual CU loan ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| Auto | Member | 2002 | BORROWER_AGE | Borrower Age | The age (in years) of the borrower in years as of the loan origination date. | 12 | Numeric (whole number) | Integer |
| Auto | Member | 2003 | BORROWER_OCCUP | Borrower Occupation | The job or profession of the person who is the primary borrower at the time of origination | Teacher | Text | varchar(60) |
| Auto | Member | 2004 | BORROWER_STATE_CODE | State | The two letter state code representing the state in which the primary borrower resides at the time of loan origination. | NY | Text | Char(2) |
| Auto | Member | 2008 | MEMBER_INCOME | Member Income | Member monthly income used in credit union’s underwriting of the loan at origination | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Auto | General | 3004 | BUSINESS_ACCOUNT_FLAG | Member Business Account Flag | Flag to indicate if the account belongs to a business customer. | Y | Text (Y or N) | Char(1) |
| Auto | General | 3006 | CO_BORROWER_FLAG | Co-borrower/Co-signor Flag | A flag that indicates whether or not any additional borrower(s) name(s) whose income and credit history are used to qualify for the loan appear on loan documents | Y | Text (Y or N) | Char(1) |
| Auto | General | 3010 | CONFORM_LOAN_PURPOSE | Conformed Loan Purpose | A comment describing the use of loan proceeds | 1 - Purchase 2 - Refinance 3 - Title Loan 4 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Auto | General | 3011 | CONFORM_LOAN_SOURCE | Conformed Account Source / Channel | Specifies the source or channel where the account originated. | 1 - Originated In House 2 - Indirect Origination (Dealer, Broker, etc.) 3 - Purchase from traditional financial entity 4 - Purchase from fintech 5 - Syndication Purchase 6 - Participation 7 - M&A 8 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Auto | General | 3013 | CONFORM_PARTICIPATION_AGENT | Conformed Participation Agent | The lead agent entity type during the participation loan underwriting | 1 - Bank 2 - Credit Union 3 - Fintech 4 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Auto | General | 3015 | CONFORM_SERVICER | Conformed Servicer | The loan servicer is the entity that handles the billing and other services on the loan (e.g. collecting interest, principal and escrow payments from a borrower). | 1 - In House 2 - External |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Auto | General | 3016 | CONFORM_UNDERWRITING_TYPE | Conformed Automated or Manual approval | Indicates whether or not the loan was approved via a person or an automatic process | 1 - Automated 2 - Manual 3 - Hybrid |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Auto | General | 3018 | CREDIT_UNION_PRODUCT_TYPE | Credit Union Specific Product Type | The credit union product name. May be used to help differentiate between various tiers of standardized product types or non standard products. | Credit Union Specific depending upon presentation of type code or description | Text | varchar(60) |
| Auto | General | 3021 | DTI_BACK_ORIG | Back-End DTI (Original) | Debt to Income ratio: monthly debt payments divided by gross monthly income (at origination) | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Auto | General | 3022 | DTI_FRONT_ORIG | Front-End DTI (Original) | Debt to Income ratio: monthly expenses (such as mortgage payments, mortgage insurance, etc.) divided by gross income (at origination) | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Auto | General | 3023 | ESTIMATE_RESIDUAL_VALUE | Estimated residual value | The estimated residual value at the end of an auto lease or a balloon term (e.g. ALG base residual value) | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Auto | General | 3024 | HELD_FOR_SALE_FLAG | Held for Sale Flag | Specify if the loan is designated as held for sale | Y | Text (Y or N) | Char(1) |
| Auto | General | 3025 | INCOME_VERIFICATION | Income Verification | Specify if member income has been verified at loan origination | Y | Text (Y or N) | Char(1) |
| Auto | General | 3027 | LEASE_FLAG | Auto Lease Flag | Flat that indicates whether this is a lease | Y | Text (Y or N) | Char(1) |
| Auto | General | 3029 | LOAN_DESC | Loan Description | A comment describing the nature or use of the loan | Refinance existing loan | Text | varchar(60) |
| Auto | General | 3030 | LOAN_SOURCE | Loan Source | Specifies the detailed source or channel where the account originated. | Purchased from Bank ABC | Text | varchar(60) |
| Auto | General | 3035 | ORIG_CREDIT_GRADE | Original Internal Credit Grade | The original letter grade applied by the Credit Union to describe the borrower's credit health. | C | Text (A, B, C, D etc.) | Char(1) |
| Auto | General | 3036 | ORIG_CREDIT_SCORE_MODEL | Credit Score Model at Loan Origination | The credit score model in use at loan origination. Must specify and in the order of : 1. the type of credit model at loan origination 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| Auto | General | 3038 | ORIG_FICO | Original FICO Score | Borrower credit score at the origination. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Orig_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| Auto | General | 3043 | PARTICIPATION_RATIO | Participation Ratio | CU Loan participation amount as the percentage of the total loan amount. Leave NULL if the loan is not a participation loan. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Auto | General | 3044 | PRODUCT_TYPE | Product Type | The type of account or product according to a standard list of product types defined internally by Credit Unions | EV auto | Text | varchar(60) |
| Auto | General | 3046 | PTI | Payment to Income | The ratio of the monthly payment of the loan divided by the borrower monthly income | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Auto | General | 3047 | RECOURSE_FLAG | Recourse Flag | A flag indicating that the lender may seek financial damages if the borrower fails to pay the liability, and if the value of the underlying asset is not enough to cover it (a recourse loan allows the lender to go after the debtor's assets that were not used as loan collateral in case of default) | Y | Text (Y or N) | Char(1) |
| Auto | General | 3049 | SERVICER | Servicer | The name of the loan servicer which is the entity that handles the billing and other services on the loan (e.g. collecting interest, principal and escrow payments from a borrower). | ABC company | Text | varchar(60) |
| Auto | Dates / Term | 4001 | AMORT_TERM | Amortization Term in Months | Loan Amortization Term in Months | 120 | Numeric (whole number) | Integer |
| Auto | Dates / Term | 4002 | BALLOON_FLAG | Balloon Flag | Flag that indicates if the loan is a Balloon loan (i.e. Amort Term differs from Loan Term) | Y | Text (Y or N) | Char(1) |
| Auto | Dates / Term | 4009 | CONFORM_INT_RATE_INDEX | Conformed interest rate Index | The name of the index from which the interest rate resets. If the loan is a fixed rate loan, please leave NULL. | 1 - PRIME 2 - LIBOR 3 - TREASURY 4 - 11TH COFI 5 - SOFR 6 - INTERNAL COST OF FUNDS 7 - OTHER INTERNAL PRICING MODEL 8 - CODI 9 - FHLB 10 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Auto | Dates / Term | 4010 | CONFORM_INT_RATE_TYPE | Conformed Interest Rate Type | The type of interest rate associated with the loan (e.g. Fixed, Variable, etc.) | 1 - FIXED 2 - Variable 3 - Hybrid 4 - Step |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Auto | Dates / Term | 4011 | CONFORM_PAYMNT_FREQNCY | Conformed Frequency of Payment | The interval of time (quarterly, monthly, bi-monthly, etc.) indicating how frequently the payment is due | 1 - WEEKLY 2 - BI-WEEKLY/Semi-Monthly 3 - MONTHLY 4 - BI-MONTHLY 5 - QUARTERLY 6 - Semi-annually 7 - ANNUALLY 8 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Auto | Dates / Term | 4012 | CONTRACT_RES_VALUE | Contract residual value | With regard to an auto lease loan, this is the amount of money for which the auto can be purchased at the end of the lease | 19500 | Numeric (to two decimal places) | Decimal(19,2) |
| Auto | Dates / Term | 4013 | CURR_FICO_DATE | Date of Current FICO Score | Date of updated FICO score | 20140931 | Date (YYYYMMDD) | Integer |
| Auto | Dates / Term | 4014 | CURR_INT_RATE | Current interest Rate | The current period's interest rate in percentage | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Auto | Dates / Term | 4015 | CURRENT_P&I_AMOUNT_OWED | Current P&I Amount Owed | For Auto/CC/EQ (HEIL)/Mort, thesis the current amount owed monthly on the loan based on Principal and Interest. For CC or HELOC, this is the minimum monthly payment due. For commercial loans, this is the monthly payment due in the loan agreement. This entry is for performing loans only and does not include past due amounts. | 123.44 | Numeric (to two decimal places) | Decimal(19,2) |
| Auto | Dates / Term | 4018 | FIRST_PAY_DATE | First Payment Date | The date that the first payment of the account is/was due | 20140931 | Date (YYYYMMDD) | Integer |
| Auto | Dates / Term | 4022 | INT_GROSS_MARGIN | Gross Margin | The fixed rate added to an index value to determine the fully indexed interest rate | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Auto | Dates / Term | 4029 | MATURITY_DATE | Maturity Date | The final payment date of a loan or other financial instrument, at which point the principal (and all remaining interest) is due to be paid | 20140931 | Date (YYYYMMDD) | Integer |
| Auto | Dates / Term | 4034 | ORIG_DATE | Origination Date | The actual date the account was initiated | 20140931 | Date (YYYYMMDD) | Integer |
| Auto | Dates / Term | 4035 | ORIG_INT_RATE | Original Interest Rate | The loan's interest rate at the time of origination | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Auto | Dates / Term | 4036 | ORIG_LOAN_TERM | Stated Original Term | Original period in months over which a loan agreement is in force, and before or at the end of which the loan should be repaid. For Balloon loans it is the amortization term. For open end line of credit, leave this as null | 10 | Numeric in months | Integer |
| Auto | Dates / Term | 4037 | PAID_THRU_DATE | Paid Through Date | Indicates the end term date of the last fully paid term | 20140931 | Date (YYYYMMDD) | Integer |
| Auto | Dates / Term | 4044 | RATE_LIFE_CAP | Maximum Rate (Lifetime Cap) | The maximum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Auto | Dates / Term | 4045 | RATE_LIFE_FLOOR | Minimum Rate (Lifetime Floor) | The minimum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Auto | Collateral | 5002 | COLLATERAL_MAKE | Collateral Make | The make of the auto used for collateral of the loan. | Ford | Text | varchar(60) |
| Auto | Collateral | 5003 | COLLATERAL_MODEL | Collateral Model | The model of the auto used for collateralizing the loan. | F150 | Text | varchar(60) |
| Auto | Collateral | 5004 | COLLATERAL_TYPE | Collateral Type | The detailed collateral information used to secure the loan | In house deposit balance | Text | varchar(60) |
| Auto | Collateral | 5005 | COLLATERAL_YEAR | Model Year | The model year of the auto to which the loan applies | 2014 | Numeric (whole number) | Integer |
| Auto | Collateral | 5006 | CONFORM_COLLATERAL_TYPE | Conformed Collateral Type | The type of collateral used to secure the loan | 1 - CAR 2 - Truck/SUV 3 - MOTORCYCLE 4 - RV 5 - BOAT 6 - Deficiency Insurance Balance 7 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Auto | Collateral | 5012 | EV_FLAG | EV Flag | Flag that indicates if the automobile is an electric vehicle | Y | Text (Y or N) | Char(1) |
| Auto | Collateral | 5013 | FLAG_USED | Flag Used Car | For auto loans, a flag that indicates if the auto is used at the time of origination. | Y | Text (Y or N) | Char(1) |
| Auto | Collateral | 5017 | ORIG_COLLATERAL_VAL | Original Collateral Value | The sum value of all collateral securing the loan at origination. | 30000 | Numeric (to two decimal places) | Decimal(19,2) |
| Auto | Collateral | 5018 | ORIG_LTV | Original Loan to Value | Used to express the ratio of the loan to the value of the asset purchased | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Auto | Balance | 6003 | CURR_BAL | Current Principal Balance | Amount due and owing to satisfy the payoff of the underlying obligation, less interest or other charges for the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Auto | Balance | 6012 | ORIG_BAL | Original Principal Balance | Amount due and owing to satisfy the payoff of the underlying obligation, less interest or other charges at the start of the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Auto | Performance | 7001 | ACCRUAL_STATUS_FLAG | Accrual Status Flag | A flag to identify if the loan accrues interest on the outstanding balance. | Y | Text (Y or N) | Char(1) |
| Auto | Performance | 7002 | ACT_PNI_PAID | Actual P&I Amount Paid | The actual amount paid toward the principal (the amount borrowed) and the interest (what the lender charges for lending the money) in the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Auto | Performance | 7003 | BKRPT_CHAPTER | Bankruptcy Chapter | The type of bankruptcy used for the loan | 13 | Numeric (whole number) | Integer |
| Auto | Performance | 7004 | BKRPT_FLAG | Bankruptcy Flag | A flag that indicates whether or not the borrower of the loan is bankrupt. | Y | Text (Y or N) | Char(1) |
| Auto | Performance | 7005 | CHARGE_OFF_AMT | Monthly Charge Off Amount | The charge off amount incrementally taken in the current month against the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Auto | Performance | 7008 | CONFORM_CURR_LOAN_STATUS | Conformed Current Status | One of the standard values applied to describe the condition of the loan. Some status may not apply to all loan types. | 1. Active 2. Inactive 3. Paid-off 4. Frozen 5. Closed 6. Charged-off 7. Foreclosed 8. Repossession/REO 9. Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Auto | Performance | 7009 | CONFORM_EXIT_TYPE | Conformed Exit Type | Indicates the type of loan exit. Report this status in the last month of the loan's history. Must be one of the numeric values in the example. If the loan is active, please leave NULL. |
1 - Paid-off 2 - Sale to Other Institution 3 - Sale into Securitization 4 - Rep/REO/Charged-off |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Auto | Performance | 7011 | CONFORM_MOD_TYPE | Conformed Modification Type | Types of any short term loan workout plan and long term modification. Choose one of the conformed entries that best describes the action. 1 - Including payment pause or temporary lower payment, but borrower pays back later 2 - including payment reduction due to lower interest rate and/or term extension 3 - Including reduction of principal, accrued interest, and/or fees 4 - Including change from variable rate to fixed rate, and other loan type changes |
1 - Forbearance/Deferment/Extension 2 - Payment Reduction 3 - Principal Reduction 4 - Loan Type Change |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Auto | Performance | 7016 | CURR_CREDIT_GRADE | Current Internal Credit Grade | The current grade applied by the Credit Union to describe the borrower's credit health. | B | Text (A, B, C, D etc.) | Char(1) |
| Auto | Performance | 7017 | CURR_CREDIT_SCORE_MODEL | Current Credit Score Model | The credit score model in current reporting month. Must specify and in the order of : 1. the type of credit model in current use 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| Auto | Performance | 7018 | CURR_FICO | Current FICO Score | Borrower credit score in the current period. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Curr_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| Auto | Performance | 7021 | DPD | Days Past Due | The number of days the loan payment is beyond its due date | 12 | Numeric (whole number) | Integer |
| Auto | Performance | 7028 | MOD_FLAG | Modification Flag | A flag indicating whether the loan has ever been modified | Y | Text (Y or N) | Char(1) |
| Auto | Performance | 7039 | TDR_FLAG | TDR Flag | A flag indicating whether a loan is currently undergoing troubled debt restructuring (TDR) | Y | Text (Y or N) | Char(1) |
| Auto | Performance | 7040 | TDR_HIST_FLAG | TDR Flag (previously classified as TDR) | An indicator that denotes if the loan has ever been classified as a TDR | Y | Text (Y or N) | Char(1) |
| Type | Field Category | Field Number | Table Field Name V3 | Field Name | Description | V3 Example/Conformed Entry | Data Format | Max Field Length |
| CC | Baseline | 1001 | SNAPSHOT_DATE | Tape Cut-off date | The last day of the month corresponding to the month in which the data is relevant. (A quarterly report would contain 3 snapshot dates.) | 20140931 | Date (YYYYMMDD) | Integer |
| CC | Baseline | 1002 | JOIN_NUMBER | Join Number | CU Unique Join Number Assigned by NCUA. This number does not change over time. | 123 | Numeric (whole number) | Integer |
| CC | Baseline | 1003 | CONFORM_ASSET_CLASS | Conformed Asset Class | A classification applied to a group of instruments which have similar financial characteristics | 1 - Auto 2 - Credit Card 3 - Mortgage 4 - Home Equity 5 - Other Consumer Loan 6 - Student 7 - CRE 8 - Non-CRE Commercial |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CC | Baseline | 1004 | MEMBER_ID | Member ID | Tokenized unique member ID, not actual CU member ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| CC | Baseline | 1006 | LOAN_ID | Account Number | Tokenized unique account number, not actual CU loan ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| CC | Member | 2001 | ACCT_ACTIVE_DATE | Card Activation Date | The date on which the card was activated. If there is more than one card tied to the account, or the card has been re-issued, please use the first activation date available. | 20140931 | Date (YYYYMMDD) | Integer |
| CC | Member | 2002 | BORROWER_AGE | Borrower Age | The age (in years) of the borrower in years as of the loan origination date. | 12 | Numeric (whole number) | Integer |
| CC | Member | 2003 | BORROWER_OCCUP | Borrower Occupation | The job or profession of the person who is the primary borrower at the time of origination | Teacher | Text | varchar(60) |
| CC | Member | 2004 | BORROWER_STATE_CODE | State | The two letter state code representing the state in which the primary borrower resides at the time of loan origination. | NY | Text | Char(2) |
| CC | Member | 2008 | MEMBER_INCOME | Member Income | Member monthly income used in credit union’s underwriting of the loan at origination | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| CC | General | 3004 | BUSINESS_ACCOUNT_FLAG | Member Business Account Flag | Flag to indicate if the account belongs to a business customer. | Y | Text (Y or N) | Char(1) |
| CC | General | 3006 | CO_BORROWER_FLAG | Co-borrower/Co-signor Flag | A flag that indicates whether or not any additional borrower(s) name(s) whose income and credit history are used to qualify for the loan appear on loan documents | Y | Text (Y or N) | Char(1) |
| CC | General | 3008 | CONFORM_BEHAVIOR_TYPE | Conformed Customer Behavior Type | The type of customer behaviors whether to pay off credit card bills in full every month (Transactors) or carry a balance from month to month regularly or occasionally (Revolvers), or by credit union internal classification | 1 - Revolvers 2 - Transactors 3 - Mix |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CC | General | 3010 | CONFORM_LOAN_PURPOSE | Conformed Loan Purpose | A comment describing the use of loan proceeds | 1 - Purchase 2 - Balance Transfer |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CC | General | 3011 | CONFORM_LOAN_SOURCE | Conformed Account Source / Channel | Specifies the source or channel where the account originated. | 1 - Originated In House 2 - Indirect Origination (Dealer, Broker, etc.) 3 - Purchase from traditional financial entity 4 - Purchase from fintech 5 - Syndication Purchase 6 - Participation 7 - M&A 8 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CC | General | 3013 | CONFORM_PARTICIPATION_AGENT | Conformed Participation Agent | The lead agent entity type during the participation loan underwriting | 1 - Bank 2 - Credit Union 3 - Fintech 4 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CC | General | 3015 | CONFORM_SERVICER | Conformed Servicer | The loan servicer is the entity that handles the billing and other services on the loan (e.g. collecting interest, principal and escrow payments from a borrower). | 1 - In House 2 - External |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CC | General | 3016 | CONFORM_UNDERWRITING_TYPE | Conformed Automated or Manual approval | Indicates whether or not the loan was approved via a person or an automatic process | 1 - Automated 2 - Manual 3 - Hybrid |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CC | General | 3018 | CREDIT_UNION_PRODUCT_TYPE | Credit Union Specific Product Type | The credit union product name. May be used to help differentiate between various tiers of standardized product types or non standard products. | Credit Union Specific depending upon presentation of type code or description | Text | varchar(60) |
| CC | General | 3021 | DTI_BACK_ORIG | Back-End DTI (Original) | Debt to Income ratio: monthly debt payments divided by gross monthly income (at origination) | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CC | General | 3022 | DTI_FRONT_ORIG | Front-End DTI (Original) | Debt to Income ratio: monthly expenses (such as mortgage payments, mortgage insurance, etc.) divided by gross income (at origination) | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CC | General | 3024 | HELD_FOR_SALE_FLAG | Held for Sale Flag | Specify if the loan is designated as held for sale | Y | Text (Y or N) | Char(1) |
| CC | General | 3025 | INCOME_VERIFICATION | Income Verification | Specify if member income has been verified at loan origination | Y | Text (Y or N) | Char(1) |
| CC | General | 3029 | LOAN_DESC | Loan Description | A comment describing the nature or use of the loan | Secured by deposit balance | Text | varchar(60) |
| CC | General | 3030 | LOAN_SOURCE | Loan Source | Specifies the detailed source or channel where the account originated. | Purchased from Bank ABC | Text | varchar(60) |
| CC | General | 3034 | ORIG_CRED_LIMIT | Original Credit Limit | The original amount that represents the most a borrower can incur on a revolving loan, such as a credit card. This is for revolving lines of credit. If the loan is a closed-end loan, leave NULL. | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| CC | General | 3035 | ORIG_CREDIT_GRADE | Original Internal Credit Grade | The original letter grade applied by the Credit Union to describe the borrower's credit health. | C | Text (A, B, C, D etc.) | Char(1) |
| CC | General | 3036 | ORIG_CREDIT_SCORE_MODEL | Credit Score Model at Loan Origination | The credit score model in use at loan origination. Must specify and in the order of : 1. the type of credit model at loan origination 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| CC | General | 3038 | ORIG_FICO | Original FICO Score | Borrower credit score at the origination. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Orig_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| CC | General | 3043 | PARTICIPATION_RATIO | Participation Ratio | CU Loan participation amount as the percentage of the total loan amount. Leave NULL if the loan is not a participation loan. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CC | General | 3044 | PRODUCT_TYPE | Product Type | The type of account or product according to a standard list of product types defined internally by Credit Unions | Fixed rate card | Text | varchar(60) |
| CC | General | 3047 | RECOURSE_FLAG | Recourse Flag | A flag indicating that the lender may seek financial damages if the borrower fails to pay the liability, and if the value of the underlying asset is not enough to cover it (a recourse loan allows the lender to go after the debtor's assets that were not used as loan collateral in case of default) | Y | Text (Y or N) | Char(1) |
| CC | General | 3049 | SERVICER | Servicer | The name of the loan servicer which is the entity that handles the billing and other services on the loan (e.g. collecting interest, principal and escrow payments from a borrower). | ABC company | Text | varchar(60) |
| CC | Dates / Term | 4009 | CONFORM_INT_RATE_INDEX | Conformed interest rate Index | The name of the index from which the interest rate resets. If the loan is a fixed rate loan, please leave NULL. | 1 - PRIME 2 - LIBOR 3 - TREASURY 4 - 11TH COFI 5 - SOFR 6 - INTERNAL COST OF FUNDS 7 - OTHER INTERNAL PRICING MODEL 8 - CODI 9 - FHLB 10 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CC | Dates / Term | 4010 | CONFORM_INT_RATE_TYPE | Conformed Interest Rate Type | The type of interest rate associated with the loan (e.g. Fixed, Variable, etc.) | 1 - FIXED 2 - Variable 3 - Hybrid 4 - Step |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CC | Dates / Term | 4011 | CONFORM_PAYMNT_FREQNCY | Conformed Frequency of Payment | The interval of time (quarterly, monthly, bi-monthly, etc.) indicating how frequently the payment is due | 1 - WEEKLY 2 - BI-WEEKLY/Semi-Monthly 3 - MONTHLY 4 - BI-MONTHLY 5 - QUARTERLY 6 - Semi-annually 7 - ANNUALLY 8 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CC | Dates / Term | 4013 | CURR_FICO_DATE | Date of Current FICO Score | Date of updated FICO score | 20140931 | Date (YYYYMMDD) | Integer |
| CC | Dates / Term | 4014 | CURR_INT_RATE | Current interest Rate | The current period's interest rate in percentage | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CC | Dates / Term | 4015 | CURRENT_P&I_AMOUNT_OWED | Current P&I Amount Owed | For Auto/CC/EQ (HEIL)/Mort, thesis the current amount owed monthly on the loan based on Principal and Interest. For CC or HELOC, this is the minimum monthly payment due. For commercial loans, this is the monthly payment due in the loan agreement. This entry is for performing loans only and does not include past due amounts. | 123.44 | Numeric (to two decimal places) | Decimal(19,2) |
| CC | Dates / Term | 4016 | DATE_LINE_CLOSED | Date line of credit is closed | The date on which the line of credit was closed, if it is applicable | 20140931 | Date (YYYYMMDD) | Integer |
| CC | Dates / Term | 4018 | FIRST_PAY_DATE | First Payment Date | The date that the first payment of the account is/was due | 20140931 | Date (YYYYMMDD) | Integer |
| CC | Dates / Term | 4022 | INT_GROSS_MARGIN | Gross Margin | The fixed rate added to an index value to determine the fully indexed interest rate | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CC | Dates / Term | 4026 | LAST_LIMIT_CHANGE_DATE | Date of last credit limit change | The date on which the credit limit was last changed | 20140931 | Date (YYYYMMDD) | Integer |
| CC | Dates / Term | 4034 | ORIG_DATE | Origination Date | The actual date the account was initiated. For credit cards, this is the date the account was opened, not the date the card was activated. | 20140931 | Date (YYYYMMDD) | Integer |
| CC | Dates / Term | 4035 | ORIG_INT_RATE | Original Interest Rate | The loan's interest rate at the time of origination | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CC | Dates / Term | 4037 | PAID_THRU_DATE | Paid Through Date | Indicates the end term date of the last fully paid term | 20140931 | Date (YYYYMMDD) | Integer |
| CC | Dates / Term | 4044 | RATE_LIFE_CAP | Maximum Rate (Lifetime Cap) | The maximum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CC | Dates / Term | 4045 | RATE_LIFE_FLOOR | Minimum Rate (Lifetime Floor) | The minimum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CC | Collateral | 5004 | COLLATERAL_TYPE | Collateral Type | The detailed collateral information used to secure the loan | In house deposit balance | Text | varchar(60) |
| CC | Collateral | 5027 | SECURED_FLAG | Secured or Unsecured | A flag indicating whether a loan is secured with collateral | Y | Text (Y or N) | Char(1) |
| CC | Balance | 6002 | CASH_ADVANCE_AMT | Cash Advance Amount | Cash advanced amount cycle end | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| CC | Balance | 6003 | CURR_BAL | Current Principal Balance | Amount due and owing to satisfy the payoff of the underlying obligation, less interest or other charges for the current period. For Credit Card, this is the balance as of the month end. | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| CC | Balance | 6004 | CURR_CRED_LIMIT | Current Credit Limit | The current amount that represents the most a borrower can incur on a revolving loan. This is for revolving lines of credit. | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| CC | Balance | 6007 | CYCLE_ENDING_BAL | Cycle Ending Balance | Most recent billing cycle ending balance | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| CC | Performance | 7001 | ACCRUAL_STATUS_FLAG | Accrual Status Flag | A flag to identify if the loan accrues interest on the outstanding balance. | Y | Text (Y or N) | Char(1) |
| CC | Performance | 7002 | ACT_PNI_PAID | Actual P&I Amount Paid | The actual amount paid toward the principal (the amount borrowed) and the interest (what the lender charges for lending the money) in the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| CC | Performance | 7004 | BKRPT_FLAG | Bankruptcy Flag | A flag that indicates whether or not the borrower of the loan is bankrupt. | Y | Text (Y or N) | Char(1) |
| CC | Performance | 7005 | CHARGE_OFF_AMT | Monthly Charge Off Amount | The charge off amount incrementally taken in the current month against the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| CC | Performance | 7007 | CONFORM_CREDIT_LIMIT_CHANGE_ACTION | Conformed Action of last credit limit change | The action taken (increase, decrease or freeze) the last time the credit limit was changed. If there is no change, leave it blank | 1 - Increase 2 - Decrease 3 - Freeze |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CC | Performance | 7008 | CONFORM_CURR_LOAN_STATUS | Conformed Current Status | One of the standard values applied to describe the condition of the loan. Some status may not apply to all loan types. | 1. Active 2. Inactive 3. Paid-off 4. Frozen 5. Closed 6. Charged-off 7. Foreclosed 8. Repossession/REO 9. Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CC | Performance | 7009 | CONFORM_EXIT_TYPE | Conformed Exit Type | Indicates the type of loan exit. Report this status in the last month of the loan's history. Must be one of the numeric values in the example. If the loan is active, please leave NULL. |
1 - Paid-off 2 - Sale to Other Institution 3 - Sale into Securitization 4 - Rep/REO/Charged-off |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CC | Performance | 7011 | CONFORM_MOD_TYPE | Conformed Modification Type | Types of any short term loan workout plan and long term modification. Choose one of the conformed entries that best describes the action. 1 - Including payment pause or temporary lower payment, but borrower pays back later 2 - including payment reduction due to lower interest rate and/or term extension 3 - Including reduction of principal, accrued interest, and/or fees 4 - Including change from variable rate to fixed rate, and other loan type changes |
1 - Forbearance/Deferment/Extension 2 - Payment Reduction 3 - Principal Reduction 4 - Loan Type Change |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CC | Performance | 7012 | CREDIT_CLOSED_FLAG | Credit Line Closed Flag | A flag that indicates no further draws are allowed because the draw period has expired. | Y | Text (Y or N) | Char(1) |
| CC | Performance | 7013 | CREDIT_FROZEN_FLAG | Credit Line Frozen Flag | A flag that indicates the bank has frozen the line of credit against further draws while still in the draw period (e.g. b/c borrower missed a payment) | Y | Text (Y or N) | Char(1) |
| CC | Performance | 7016 | CURR_CREDIT_GRADE | Current Internal Credit Grade | The current grade applied by the Credit Union to describe the borrower's credit health. | B | Text (A, B, C, D etc.) | Char(1) |
| CC | Performance | 7017 | CURR_CREDIT_SCORE_MODEL | Current Credit Score Model | The credit score model in current reporting month. Must specify and in the order of : 1. the type of credit model in current use 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| CC | Performance | 7018 | CURR_FICO | Current FICO Score | Borrower credit score in the current period. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Curr_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| CC | Performance | 7021 | DPD | Days Past Due | The number of days the loan payment is beyond its due date | 12 | Numeric (whole number) | Integer |
| CC | Performance | 7028 | MOD_FLAG | Modification Flag | A flag indicating whether the loan has ever been modified | Y | Text (Y or N) | Char(1) |
| CC | Performance | 7039 | TDR_FLAG | TDR Flag | A flag indicating whether a loan is currently undergoing troubled debt restructuring (TDR) | Y | Text (Y or N) | Char(1) |
| CC | Performance | 7040 | TDR_HIST_FLAG | TDR Flag (previously classified as TDR) | An indicator that denotes if the loan has ever been classified as a TDR | Y | Text (Y or N) | Char(1) |
| Type | Field Category | Field Number | Table Field Name V3 | Field Name | Description | V3 Example/Conformed Entry | Data Format | Max Field Length |
| EQ | Baseline | 1001 | SNAPSHOT_DATE | Tape Cut-off date | The last day of the month corresponding to the month in which the data is relevant. (A quarterly report would contain 3 snapshot dates.) | 20140931 | Date (YYYYMMDD) | Integer |
| EQ | Baseline | 1002 | JOIN_NUMBER | Join Number | CU Unique Join Number Assigned by NCUA. This number does not change over time. | 123 | Numeric (whole number) | Integer |
| EQ | Baseline | 1003 | CONFORM_ASSET_CLASS | Conformed Asset Class | A classification applied to a group of instruments which have similar financial characteristics | 1 - Auto 2 - Credit Card 3 - Mortgage 4 - Home Equity 5 - Other Consumer Loan 6 - Student 7 - CRE 8 - Non-CRE Commercial |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | Baseline | 1004 | MEMBER_ID | Member ID | Tokenized unique member ID, not actual CU member ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| EQ | Baseline | 1006 | LOAN_ID | Account Number | Tokenized unique account number, not actual CU loan ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| EQ | Member | 2003 | BORROWER_OCCUP | Primary Borrower Occupation | The job or profession of the person who is the primary borrower at the time of origination | Teacher | Text | varchar(60) |
| EQ | Member | 2004 | BORROWER_STATE_CODE | State | The two letter state code representing the state in which the primary borrower resides at the time of loan origination. | NY | Text | Char(2) |
| EQ | Member | 2008 | MEMBER_INCOME | Member Income | Member monthly income used in credit union’s underwriting of the loan at origination | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| EQ | General | 3004 | BUSINESS_ACCOUNT_FLAG | Member Business Account Flag | Flag to indicate if the account belongs to a business customer. | Y | Text (Y or N) | Char(1) |
| EQ | General | 3006 | CO_BORROWER_FLAG | Co-borrower/Co-signor Flag | A flag that indicates whether or not any additional borrower(s) name(s) whose income and credit history are used to qualify for the loan appear on loan documents | Y | Text (Y or N) | Char(1) |
| EQ | General | 3009 | CONFORM_DOC_TYPE | Conformed Documentation Type | Type of verification information used to receive the loan (e.g. Full, No Documentation) | 1 - Full Documentation 2 - Low Documentation 3 - No Documentation |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | General | 3010 | CONFORM_LOAN_PURPOSE | Conformed Loan Purpose | A comment describing the use of loan proceeds | 1 - House Related Purchase 2 - Refinance 3 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | General | 3011 | CONFORM_LOAN_SOURCE | Conformed Account Source / Channel | Specifies the source or channel where the account originated. | 1 - Originated In House 2 - Indirect Origination (Dealer, Broker, etc.) 3 - Purchase from traditional financial entity 4 - Purchase from fintech 5 - Syndication Purchase 6 - Participation 7 - M&A 8 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | General | 3012 | CONFORM_OCC_TYPE | Conformed Occupancy Type | The property's occupancy status by the borrower (such as, primary, second-home, investment, etc.…) | 1 - Primary Residence 2 - Second Home 3 - Investment 4 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | General | 3013 | CONFORM_PARTICIPATION_AGENT | Conformed Participation Agent | The lead agent entity type during the participation loan underwriting | 1 - Bank 2 - Credit Union 3 - Fintech 4 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | General | 3014 | CONFORM_PRODUCT_TYPE | Conformed Product Type | The type of account or product according to a standard list of product types. | 1 - HEIL 2 - HELOC 3 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | General | 3015 | CONFORM_SERVICER | Conformed Servicer | The loan servicer is the entity that handles the billing and other services on the loan (e.g. collecting interest, principal and escrow payments from a borrower). | 1 - In House 2 - External |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | General | 3016 | CONFORM_UNDERWRITING_TYPE | Conformed Automated or Manual approval | Indicates whether or not the loan was approved via a person or an automatic process | 1 - Automated 2 - Manual 3 - Hybrid |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | General | 3018 | CREDIT_UNION_PRODUCT_TYPE | Credit Union Specific Product Type | The credit union product name. May be used to help differentiate between various tiers of standardized product types or non standard products. | Credit Union Specific depending upon presentation of type code or description | Text | varchar(60) |
| EQ | General | 3021 | DTI_BACK_ORIG | Back-End DTI (Original) | Debt to Income ratio: monthly debt payments divided by gross monthly income (at origination) | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | General | 3022 | DTI_FRONT_ORIG | Front-End DTI (Original) | Debt to Income ratio: monthly housing expenses (such as mortgage payments, mortgage insurance, etc.) divided by gross income (at origination) | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | General | 3024 | HELD_FOR_SALE_FLAG | Held for Sale Flag | Specify if the loan is designated as held for sale | Y | Text (Y or N) | Char(1) |
| EQ | General | 3025 | INCOME_VERIFICATION | Income Verification | Specify if member income has been verified at loan origination | Y | Text (Y or N) | Char(1) |
| EQ | General | 3034 | ORIG_CRED_LIMIT | Original Credit Limit | The original amount that represents the most a borrower can incur on a revolving loan, such as a credit card. This is for revolving lines of credit. If the loan is a closed-end loan, leave NULL. | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| EQ | General | 3035 | ORIG_CREDIT_GRADE | Original Internal Credit Grade | The original letter grade applied by the Credit Union to describe the borrower's credit health. | C | Text (A, B, C, D etc.) | Char(1) |
| EQ | General | 3036 | ORIG_CREDIT_SCORE_MODEL | Credit Score Model at Loan Origination | The credit score model in use at loan origination. Must specify and in the order of : 1. the type of credit model at loan origination 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| EQ | General | 3038 | ORIG_FICO | Original FICO Score | Borrower credit score at the origination. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Orig_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| EQ | General | 3043 | PARTICIPATION_RATIO | Participation Ratio | CU Loan participation amount as the percentage of the total loan amount. Leave NULL if the loan is not a participation loan. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | General | 3044 | PRODUCT_TYPE | Product Type | The type of account or product according to a standard list of product types defined internally by Credit Unions | Second home equity | Text | varchar(60) |
| EQ | Dates / Term | 4001 | AMORT_TERM | Amortization Term in Months | Loan Amortization Term in Months | 120 | Numeric (whole number) | Integer |
| EQ | Dates / Term | 4002 | BALLOON_FLAG | Balloon Flag | A flag that indicates if the loan is a Balloon loan (i.e. Amort Term differs from Loan Term) | Y | Text (Y or N) | Char(1) |
| EQ | Dates / Term | 4009 | CONFORM_INT_RATE_INDEX | Conformed interest rate Index | The name of the index from which the interest rate resets. If the loan is a fixed rate loan, please leave NULL. | 1 - PRIME 2 - LIBOR 3 - TREASURY 4 - 11TH COFI 5 - SOFR 6 - INTERNAL COST OF FUNDS 7 - OTHER INTERNAL PRICING MODEL 8 - CODI 9 - FHLB 10 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | Dates / Term | 4010 | CONFORM_INT_RATE_TYPE | Conformed Interest Rate Type | The type of interest rate associated with the loan (e.g. Fixed, Variable, etc.) | 1 - FIXED 2 - Variable 3 - Hybrid 4 - Step |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | Dates / Term | 4011 | CONFORM_PAYMNT_FREQNCY | Conformed Frequency of Payment | The interval of time (quarterly, monthly, bi-monthly, etc.) indicating how frequently the payment is due | 1 - WEEKLY 2 - BI-WEEKLY/Semi-Monthly 3 - MONTHLY 4 - BI-MONTHLY 5 - QUARTERLY 6 - Semi-annually 7 - ANNUALLY 8 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | Dates / Term | 4013 | CURR_FICO_DATE | Date of Current FICO Score | Date of updated FICO score | 20140931 | Date (YYYYMMDD) | Integer |
| EQ | Dates / Term | 4014 | CURR_INT_RATE | Current interest Rate | The current period's interest rate in percentage | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | Dates / Term | 4015 | CURRENT_P&I_AMOUNT_OWED | Current P&I Amount Owed | For Auto/CC/EQ (HEIL)/Mort, thesis the current amount owed monthly on the loan based on Principal and Interest. For CC or HELOC, this is the minimum monthly payment due. For commercial loans, this is the monthly payment due in the loan agreement. This entry is for performing loans only and does not include past due amounts. | 123.44 | Numeric (to two decimal places) | Decimal(19,2) |
| EQ | Dates / Term | 4016 | DATE_LINE_CLOSED | Date line of credit is closed | The date on which the line of credit was closed, if it is applicable | 20140931 | Date (YYYYMMDD) | Integer |
| EQ | Dates / Term | 4017 | DRAW_PERIOD | HELOC Draw Period | For HELOCs, the amount of time (in months) that the loan's funds are available for withdrawal | 10 | Numeric in months | Integer |
| EQ | Dates / Term | 4018 | FIRST_PAY_DATE | First Payment Date | The date that the first payment of the account is/was due | 20140931 | Date (YYYYMMDD) | Integer |
| EQ | Dates / Term | 4019 | FIRST_RATE_ADJ_DATE | First Rate Adjustment Date | The initial date in which the account's interest rate will adjust. | 20140931 | Date (YYYYMMDD) | Integer |
| EQ | Dates / Term | 4020 | FIRST_RESET_FREQ | First Rate Reset Frequency | The amount of time until the interest rate changes for the first time (in months) | 10 | Numeric in months | Integer |
| EQ | Dates / Term | 4022 | INT_GROSS_MARGIN | Gross Margin | The fixed rate added to an index value to determine the fully indexed interest rate | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | Dates / Term | 4024 | IO_FLAG | Interest Only Flag | A flag indicating whether or not the borrower pays only the interest on the principal balance for a set period of time, with the principal balance unchanged | Y | Text (Y or N) | Char(1) |
| EQ | Dates / Term | 4025 | IO_TERM | Interest Only Term at Origination | The length of time (in months) during which the borrower pays only the interest on the principal balance | 36 | Numeric in months | Integer |
| EQ | Dates / Term | 4026 | LAST_LIMIT_CHANGE_DATE | Date of last credit limit change | The date on which the credit limit was last changed | 20140931 | Date (YYYYMMDD) | Integer |
| EQ | Dates / Term | 4029 | MATURITY_DATE | Maturity Date | The final payment date of a loan or other financial instrument, at which point the principal (and all remaining interest) is due to be paid | 20140931 | Date (YYYYMMDD) | Integer |
| EQ | Dates / Term | 4033 | NEXT_RATE_ADJ_DATE | Next Rate Adjustment Date | The next future date in which the account's interest rate will adjust. | 20140931 | Date (YYYYMMDD) | Integer |
| EQ | Dates / Term | 4034 | ORIG_DATE | Origination Date | The actual date the account was initiated | 20140931 | Date (YYYYMMDD) | Integer |
| EQ | Dates / Term | 4035 | ORIG_INT_RATE | Original Interest Rate | The loan's interest rate at the time of origination | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | Dates / Term | 4036 | ORIG_LOAN_TERM | Stated Original Term | Original period in months over which a loan agreement is in force, and before or at the end of which the loan should be repaid. For Balloon loans it is the amortization term. For open end line of credit, leave this as null | 10 | Numeric in months | Integer |
| EQ | Dates / Term | 4037 | PAID_THRU_DATE | Paid Through Date | Indicates the end term date of the last fully paid term | 20140931 | Date (YYYYMMDD) | Integer |
| EQ | Dates / Term | 4042 | RATE_FIRST_CAP | First Periodic Rate Cap | Cap on the amount the interest rate can increase the first time it resets after the fixed-rate period expires | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | Dates / Term | 4043 | RATE_FIRST_FLOOR | First Periodic Rate Floor | The lowest rate the account can have the first time it resets after the fixed-rate period expires | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | Dates / Term | 4044 | RATE_LIFE_CAP | Maximum Rate (Lifetime Cap) | The maximum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | Dates / Term | 4045 | RATE_LIFE_FLOOR | Minimum Rate (Lifetime Floor) | The minimum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | Dates / Term | 4046 | RATE_SUBSEQ_CAP | Subsequent Periodic Rate Cap | Cap on the amount the interest rate can increase in the adjustment periods after the first reset | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | Dates / Term | 4047 | RATE_SUBSEQ_FLOOR | Subsequent Periodic Rate Floor | The lowest rate the account can have in any adjustment period after the first reset | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | Dates / Term | 4048 | REPAY_PERIOD | HELOC Repayment Period | For HELOCs, the length of the repayment period in months after the end of the draw period | 10 | Numeric in months | Integer |
| EQ | Dates / Term | 4051 | SUBSEQ_RESET_FREQ | Subsequent Rate Reset Frequency | The number of months between interest rate changes after the first interest rate reset | 12 | Numeric (whole number) | Integer |
| EQ | Collateral | 5001 | CLTV_ORIG | Combined Original LTV | The loan-to-value ratio of all liens on the property at loan origination. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | Collateral | 5007 | CONFORM_ORIG_APPR_TYPE | Original Appraisal Method | The method used to establish the value of real property securing the loan at origination. | 1 - Full Appraisal 2 - BPO 3 - AVM 4 - Limit Appraisal |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | Collateral | 5008 | CONFORM_PROPERTY_TYPE | Conformed Property Type | Description of the type of property securing the loan (such as, single, multi, condo, co-op, etc.…) | 1 - Single Family 2 - Townhouse 3 - Condo 4 - Co-op 5 - Multi Family 6 - Manufactured/Mobile 7 - Land 8 - Farm 9 - Commercial 10 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | Collateral | 5009 | CONFORM_REFRESH_APPR_TYPE | Refreshed Appraisal Method | The method used to establish the updated value of real property securing the loan. | 1 - Full Appraisal 2 - BPO 3 - AVM 4 - Limit Appraisal |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | Collateral | 5010 | CURR_CLTV | Combined Current LTV | The loan-to-value ratio of all liens on the property in the current reporting period. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | Collateral | 5011 | CURR_LTV | Current LTV | The loan-to-value ratio of the first lien on the property in the current reporting period | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | Collateral | 5014 | LIEN_TYPE | Lien Type | The priority position associated with the lien as it relates to the collateral (1, 2, etc.) | 1 | Numeric (whole number) | Integer |
| EQ | Collateral | 5015 | ORIG_APPR_DATE | Original Appraisal Date | The date that the original appraisal value was assessed | 20140931 | Date (YYYYMMDD) | Integer |
| EQ | Collateral | 5016 | ORIG_APPR_VALUE | Original Appraisal Amount | Appraised property value at the time of loan origination | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| EQ | Collateral | 5019 | ORIG_LTV_FIRST | Original LTV of First Lien | Used to represent the ratio of the first mortgage lien as a percentage of the total appraised value of real property at the origination of the loan | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| EQ | Collateral | 5022 | PROP_STATE | Property State | The two-letter state code that represents the state in which the property exists | NY | Text | Char(2) |
| EQ | Collateral | 5023 | PROP_ZIP_CODE | Property Zip Code | 10 digit zip code of the property | 01234-1234 | Text | varchar(10) |
| EQ | Collateral | 5024 | REFRESH_APPR_DATE | Refreshed Appraisal Date | The date in which the updated opinion of value is assessed | 20140931 | Date (YYYYMMDD) | Integer |
| EQ | Collateral | 5025 | REFRESH_APPR_VALUE | Refreshed Appraisal Value | The value of the asset securing the loan as assessed in the subsequent opinion of value | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| EQ | Collateral | 5026 | SALES_PRICE | Sales/Purchase Price | The amount of money used to acquire the real property securing the loan. | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| EQ | Balance | 6003 | CURR_BAL | Current Principal Balance | Amount due and owing to satisfy the payoff of the underlying obligation, less interest or other charges for the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| EQ | Balance | 6004 | CURR_CRED_LIMIT | Current Credit Limit | The current amount that represents the most a borrower can incur on a revolving loan. This is for revolving lines of credit. | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| EQ | Balance | 6006 | CURR_SEN_BAL | Current Senior Balance | Amount of balance senior to subordinated debt in the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| EQ | Balance | 6012 | ORIG_BAL | Original Principal Balance | Amount due and owing to satisfy the payoff of the underlying obligation, less interest or other charges at the start of the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| EQ | Balance | 6014 | ORIG_SEN_BAL | Original Senior Balance | Amount of balance senior to subordinated debt at the beginning of the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| EQ | Performance | 7001 | ACCRUAL_STATUS_FLAG | Accrual Status Flag | A flag to identify if the loan accrues interest on the outstanding balance. | Y | Text (Y or N) | Char(1) |
| EQ | Performance | 7002 | ACT_PNI_PAID | Actual P&I Amount Paid | The actual amount paid toward the principal (the amount borrowed) and the interest (what the lender charges for lending the money) in the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| EQ | Performance | 7003 | BKRPT_CHAPTER | Bankruptcy Chapter | The type of bankruptcy used for the loan | 13 | Numeric (whole number) | Integer |
| EQ | Performance | 7004 | BKRPT_FLAG | Bankruptcy Flag | A flag that indicates whether or not the borrower of the loan is bankrupt. | Y | Text (Y or N) | Char(1) |
| EQ | Performance | 7005 | CHARGE_OFF_AMT | Monthly Charge Off Amount | The charge off amount incrementally taken in the current month against the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| EQ | Performance | 7007 | CONFORM_CREDIT_LIMIT_CHANGE_ACTION | Conformed Action of last credit limit change | The action taken (increase, decrease or freeze) the last time the credit limit was changed. If there is no change, leave it blank | 1 - Increase 2 - Decrease 3 - Freeze |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | Performance | 7008 | CONFORM_CURR_LOAN_STATUS | Conformed Current Status | One of the standard values applied to describe the condition of the loan. Some status may not apply to all loan types. | 1. Active 2. Inactive 3. Paid-off 4. Frozen 5. Closed 6. Charged-off 7. Foreclosed 8. Repossession/REO 9. Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | Performance | 7009 | CONFORM_EXIT_TYPE | Conformed Exit Type | Indicates the type of loan exit. Report this status in the last month of the loan's history. Must be one of the numeric values in the example. If the loan is active, please leave NULL. |
1 - Paid-off 2 - Sale to Other Institution 3 - Sale into Securitization 4 - Rep/REO/Charged-off |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | Performance | 7011 | CONFORM_MOD_TYPE | Conformed Modification Type | Types of any short term loan workout plan and long term modification. Choose one of the conformed entries that best describes the action. 1 - Including payment pause or temporary lower payment, but borrower pays back later 2 - including payment reduction due to lower interest rate and/or term extension 3 - Including reduction of principal, accrued interest, and/or fees 4 - Including change from variable rate to fixed rate, and other loan type changes |
1 - Forbearance/Deferment/Extension 2 - Payment Reduction 3 - Principal Reduction 4 - Loan Type Change |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| EQ | Performance | 7012 | CREDIT_CLOSED_FLAG | Credit Line Closed Flag | A flag that indicates no further draws are allowed because the draw period has expired. | Y | Text (Y or N) | Char(1) |
| EQ | Performance | 7013 | CREDIT_FROZEN_FLAG | Credit Line Frozen Flag | A flag that indicates the bank has frozen the line of credit against further draws while still in the draw period (e.g. b/c borrower missed a payment) | Y | Text (Y or N) | Char(1) |
| EQ | Performance | 7016 | CURR_CREDIT_GRADE | Current Internal Credit Grade | The current grade applied by the Credit Union to describe the borrower's credit health. | B | Text (A, B, C, D etc.) | Char(1) |
| EQ | Performance | 7017 | CURR_CREDIT_SCORE_MODEL | Current Credit Score Model | The credit score model in current reporting month. Must specify and in the order of : 1. the type of credit model in current use 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| EQ | Performance | 7018 | CURR_FICO | Current FICO Score | Borrower credit score in the current period. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Curr_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| EQ | Performance | 7021 | DPD | Days Past Due | The number of days the loan payment is beyond its due date | 12 | Numeric (whole number) | Integer |
| EQ | Performance | 7027 | LATEST_MOD_DATE | Date of Last Modification | The date of the most recent loan restructuring | 20140931 | Date (YYYYMMDD) | Integer |
| EQ | Performance | 7028 | MOD_FLAG | Modification Flag | A flag indicating whether the loan has ever been modified | Y | Text (Y or N) | Char(1) |
| EQ | Performance | 7035 | NBR_TIMES_MOD | Number of times modified life of loan | The total number of times the loan went through a restructuring process throughout its life | 4 | Numeric (whole number) | Integer |
| EQ | Performance | 7039 | TDR_FLAG | TDR Flag | A flag indicating whether a loan is currently undergoing troubled debt restructuring (TDR) | Y | Text (Y or N) | Char(1) |
| EQ | Performance | 7040 | TDR_HIST_FLAG | TDR Flag (previously classified as TDR) | An indicator that denotes if the loan has ever been classified as a TDR | Y | Text (Y or N) | Char(1) |
| Type | Field Category | Field Number | Table Field Name V3 | Field Name | Description | V3 Example/Conformed Entry | Data Format | Max Field Length |
| MORT | Baseline | 1001 | SNAPSHOT_DATE | Tape Cut-off date | The last day of the month corresponding to the month in which the data is relevant. (A quarterly report would contain 3 snapshot dates.) | 20140931 | Date (YYYYMMDD) | Integer |
| MORT | Baseline | 1002 | JOIN_NUMBER | Join Number | CU Unique Join Number Assigned by NCUA. This number does not change over time. | 123 | Numeric (whole number) | Integer |
| MORT | Baseline | 1003 | CONFORM_ASSET_CLASS | Conformed Asset Class | A classification applied to a group of instruments which have similar financial characteristics | 1 - Auto 2 - Credit Card 3 - Mortgage 4 - Home Equity 5 - Other Consumer Loan 6 - Student 7 - CRE 8 - Non-CRE Commercial |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | Baseline | 1004 | MEMBER_ID | Member ID | Tokenized unique member ID, not actual CU member ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| MORT | Baseline | 1006 | LOAN_ID | Account Number | Tokenized unique account number, not actual CU loan ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| MORT | Member | 2003 | BORROWER_OCCUP | Primary Borrower Occupation | The job or profession of the person who is the primary borrower at the time of origination | Teacher | Text | varchar(60) |
| MORT | Member | 2004 | BORROWER_STATE_CODE | State | The two letter state code representing the state in which the primary borrower resides at the time of loan origination. | NY | Text | Char(2) |
| MORT | Member | 2008 | MEMBER_INCOME | Member Income | Member monthly income used in credit union’s underwriting of the loan at origination | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| MORT | General | 3004 | BUSINESS_ACCOUNT_FLAG | Member Business Account Flag | Flag to indicate if the account belongs to a business customer. | Y | Text (Y or N) | Char(1) |
| MORT | General | 3006 | CO_BORROWER_FLAG | Co-borrower/Co-signor Flag | A flag that indicates whether or not any additional borrower(s) name(s) whose income and credit history are used to qualify for the loan appear on loan documents | Y | Text (Y or N) | Char(1) |
| MORT | General | 3009 | CONFORM_DOC_TYPE | Conformed Documentation Type | Type of verification information used to receive the loan (e.g. Full, No Documentation) | 1 - Full Documentation 2 - Low Documentation 3 - No Documentation |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | General | 3010 | CONFORM_LOAN_PURPOSE | Conformed Loan Purpose | A comment describing the use of loan proceeds | 1 - Purchase 2 - Refi - No Cashout 3 - Refi with Cashout 4 - Refi (Cashout Unknown) |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | General | 3011 | CONFORM_LOAN_SOURCE | Conformed Account Source / Channel | Specifies the source or channel where the account originated. | 1 - Originated In House 2 - Indirect Origination (Dealer, Broker, etc.) 3 - Purchase from traditional financial entity 4 - Purchase from fintech 5 - Syndication Purchase 6 - Participation 7 - M&A 8 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | General | 3012 | CONFORM_OCC_TYPE | Conformed Occupancy Type | The property's occupancy status by the borrower (such as, primary, second-home, investment, etc.…) | 1 - Primary Residence 2 - Second Home 3 - Investment 4 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | General | 3013 | CONFORM_PARTICIPATION_AGENT | Conformed Participation Agent | The lead agent entity type during the participation loan underwriting | 1 - Bank 2 - Credit Union 3 - Fintech 4 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | General | 3014 | CONFORM_PRODUCT_TYPE | Conformed Product Type | The type of account or product according to a standard list of product types. | 1 - Conventional 2 - FHA 3 - VA 4 - Military 5 - Commercial 6 - Construction 7 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | General | 3015 | CONFORM_SERVICER | Conformed Servicer | The loan servicer is the entity that handles the billing and other services on the loan (e.g. collecting interest, principal and escrow payments from a borrower). | 1 - In House 2 - External |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | General | 3016 | CONFORM_UNDERWRITING_TYPE | Conformed Automated or Manual approval | Indicates whether or not the loan was approved via a person or an automatic process | 1 - Automated 2 - Manual 3 - Hybrid |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | General | 3018 | CREDIT_UNION_PRODUCT_TYPE | Credit Union Specific Product Type | The credit union product name. May be used to help differentiate between various tiers of standardized product types or non standard products. | Credit Union Specific depending upon presentation of type code or description | Text | varchar(60) |
| MORT | General | 3021 | DTI_BACK_ORIG | Back-End DTI (Original) | Debt to Income ratio: monthly debt payments divided by gross monthly income (at origination) | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | General | 3022 | DTI_FRONT_ORIG | Front-End DTI (Original) | Debt to Income ratio: monthly housing expenses (such as mortgage payments, mortgage insurance, etc.) divided by gross income (at origination) | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | General | 3024 | HELD_FOR_SALE_FLAG | Held for Sale Flag | Specify if the loan is designated as held for sale | Y | Text (Y or N) | Char(1) |
| MORT | General | 3025 | INCOME_VERIFICATION | Income Verification | Specify if member income has been verified at loan origination | Y | Text (Y or N) | Char(1) |
| MORT | General | 3033 | OPTION_ARM_FLAG | Option Arm Flag | A flag that indicates whether the loan is an Option Arm loan (loan where the borrower has several options as to which type of payment to make) | Y | Text (Y or N) | Char(1) |
| MORT | General | 3035 | ORIG_CREDIT_GRADE | Original Internal Credit Grade | The original letter grade applied by the Credit Union to describe the borrower's credit health. | C | Text (A, B, C, D etc.) | Char(1) |
| MORT | General | 3036 | ORIG_CREDIT_SCORE_MODEL | Credit Score Model at Loan Origination | The credit score model in use at loan origination. Must specify and in the order of : 1. the type of credit model at loan origination 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| MORT | General | 3038 | ORIG_FICO | Original FICO Score | Borrower credit score at the origination. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Orig_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| MORT | General | 3043 | PARTICIPATION_RATIO | Participation Ratio | CU Loan participation amount as the percentage of the total loan amount. Leave NULL if the loan is not a participation loan. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | General | 3044 | PRODUCT_TYPE | Product Type | The type of account or product according to a standard list of product types defined internally by Credit Unions | First time program | Text | varchar(60) |
| MORT | Dates / Term | 4001 | AMORT_TERM | Amortization Term in Months | Loan Amortization Term in Months | 120 | Numeric (whole number) | Integer |
| MORT | Dates / Term | 4002 | BALLOON_FLAG | Balloon Flag | A flag that indicates if the loan is a Balloon loan (i.e. Amort Term differs from Loan Term) | Y | Text (Y or N) | Char(1) |
| MORT | Dates / Term | 4009 | CONFORM_INT_RATE_INDEX | Conformed interest rate Index | The name of the index from which the interest rate resets. If the loan is a fixed rate loan, please leave NULL. | 1 - PRIME 2 - LIBOR 3 - TREASURY 4 - 11TH COFI 5 - SOFR 6 - INTERNAL COST OF FUNDS 7 - OTHER INTERNAL PRICING MODEL 8 - CODI 9 - FHLB 10 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | Dates / Term | 4010 | CONFORM_INT_RATE_TYPE | Conformed Interest Rate Type | The type of interest rate associated with the loan (e.g. Fixed, Variable, etc.) | 1 - FIXED 2 - Variable 3 - Hybrid 4 - Step |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | Dates / Term | 4011 | CONFORM_PAYMNT_FREQNCY | Conformed Frequency of Payment | The interval of time (quarterly, monthly, bi-monthly, etc.) indicating how frequently the payment is due | 1 - WEEKLY 2 - BI-WEEKLY/Semi-Monthly 3 - MONTHLY 4 - BI-MONTHLY 5 - QUARTERLY 6 - Semi-annually 7 - ANNUALLY 8 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | Dates / Term | 4013 | CURR_FICO_DATE | Date of Current FICO Score | Date of updated FICO score | 20140931 | Date (YYYYMMDD) | Integer |
| MORT | Dates / Term | 4014 | CURR_INT_RATE | Current interest Rate | The current period's interest rate in percentage | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | Dates / Term | 4015 | CURRENT_P&I_AMOUNT_OWED | Current P&I Amount Owed | For Auto/CC/EQ (HEIL)/Mort, thesis the current amount owed monthly on the loan based on Principal and Interest. For CC or HELOC, this is the minimum monthly payment due. For commercial loans, this is the monthly payment due in the loan agreement. This entry is for performing loans only and does not include past due amounts. | 123.44 | Numeric (to two decimal places) | Decimal(19,2) |
| MORT | Dates / Term | 4018 | FIRST_PAY_DATE | First Payment Date | The date that the first payment of the account is/was due | 20140931 | Date (YYYYMMDD) | Integer |
| MORT | Dates / Term | 4019 | FIRST_RATE_ADJ_DATE | First Rate Adjustment Date | The initial date in which the account's interest rate will adjust. | 20140931 | Date (YYYYMMDD) | Integer |
| MORT | Dates / Term | 4020 | FIRST_RESET_FREQ | First Rate Reset Frequency | The amount of time until the interest rate changes for the first time (in months) | 10 | Numeric in months | Integer |
| MORT | Dates / Term | 4022 | INT_GROSS_MARGIN | Gross Margin | The fixed rate added to an index value to determine the fully indexed interest rate | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | Dates / Term | 4024 | IO_FLAG | Interest Only Flag | A flag indicating whether or not the borrower pays only the interest on the principal balance for a set period of time, with the principal balance unchanged | Y | Text (Y or N) | Char(1) |
| MORT | Dates / Term | 4025 | IO_TERM | Interest Only Term at Origination | The length of time (in months) during which the borrower pays only the interest on the principal balance | 10 | Numeric in months | Integer |
| MORT | Dates / Term | 4029 | MATURITY_DATE | Maturity Date | The final payment date of a loan or other financial instrument, at which point the principal (and all remaining interest) is due to be paid | 20140931 | Date (YYYYMMDD) | Integer |
| MORT | Dates / Term | 4032 | NEG_AM_FLAG | Negative Amortization Potential Flag | A flag that indicates whether the principal balance of a loan increases due to payments that fail to cover the interest due | Y | Text (Y or N) | Char(1) |
| MORT | Dates / Term | 4033 | NEXT_RATE_ADJ_DATE | Next Rate Adjustment Date | The next future date in which the account's interest rate will adjust. | 20140931 | Date (YYYYMMDD) | Integer |
| MORT | Dates / Term | 4034 | ORIG_DATE | Origination Date | The actual date the account was initiated | 20140931 | Date (YYYYMMDD) | Integer |
| MORT | Dates / Term | 4035 | ORIG_INT_RATE | Original Interest Rate | The loan's interest rate at the time of origination | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | Dates / Term | 4036 | ORIG_LOAN_TERM | Stated Original Term | Original period in months over which a loan agreement is in force, and before or at the end of which the loan should be repaid. For Balloon loans it is the amortization term. For open end line of credit, leave this as null | 10 | Numeric in months | Integer |
| MORT | Dates / Term | 4037 | PAID_THRU_DATE | Paid Through Date | Indicates the end term date of the last fully paid term | 20140931 | Date (YYYYMMDD) | Integer |
| MORT | Dates / Term | 4039 | PPAY_PNLTY_FLAG | Has Prepayment Penalties Flag | A flag indicating whether or not the loan has penalties if the mortgage is prepaid within a certain time period | Y | Text (Y or N) | Char(1) |
| MORT | Dates / Term | 4040 | PPAY_PNLTY_TERM | Term for Prepayment Penalty | The duration in months for which the loan is subject to a Prepayment Penalty | 10 | Numeric in months | Integer |
| MORT | Dates / Term | 4042 | RATE_FIRST_CAP | First Periodic Rate Cap | Cap on the amount the interest rate can increase the first time it resets after the fixed-rate period expires | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | Dates / Term | 4043 | RATE_FIRST_FLOOR | First Periodic Rate Floor | The lowest rate the account can have the first time it resets after the fixed-rate period expires | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | Dates / Term | 4044 | RATE_LIFE_CAP | Maximum Rate (Lifetime Cap) | The maximum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | Dates / Term | 4045 | RATE_LIFE_FLOOR | Minimum Rate (Lifetime Floor) | The minimum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | Dates / Term | 4046 | RATE_SUBSEQ_CAP | Subsequent Periodic Rate Cap | Cap on the amount the interest rate can increase in the adjustment periods after the first reset | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | Dates / Term | 4047 | RATE_SUBSEQ_FLOOR | Subsequent Periodic Rate Floor | The lowest rate the account can have in any adjustment period after the first reset | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | Dates / Term | 4051 | SUBSEQ_RESET_FREQ | Subsequent Rate Reset Frequency | The number of months between interest rate changes after the first interest rate reset | 12 | Numeric (whole number) | Integer |
| MORT | Collateral | 5001 | CLTV_ORIG | Combined Original LTV | The loan-to-value ratio of all liens on the property at loan origination. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | Collateral | 5007 | CONFORM_ORIG_APPR_TYPE | Original Appraisal Method | The method used to establish the value of real property securing the loan at origination. | 1 - Full Appraisal 2 - BPO 3 - AVM 4 - Limit Appraisal |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | Collateral | 5008 | CONFORM_PROPERTY_TYPE | Conformed Property Type | Description of the type of property securing the loan (such as, single, multi, condo, co-op, etc.…) | 1 - Single Family 2 - Townhouse 3 - Condo 4 - Co-op 5 - Multi Family 6 - Manufactured/Mobile 7 - Land 8 - Farm 9 - Commercial 10 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | Collateral | 5009 | CONFORM_REFRESH_APPR_TYPE | Refreshed Appraisal Method | The method used to establish the updated value of real property securing the loan. | 1 - Full Appraisal 2 - BPO 3 - AVM 4 - Limit Appraisal |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | Collateral | 5010 | CURR_CLTV | Combined Current LTV | The loan-to-value ratio of all liens on the property in the current reporting period. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | Collateral | 5011 | CURR_LTV | Current LTV | The loan-to-value ratio of the first lien on the property in the current reporting period | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | Collateral | 5014 | LIEN_TYPE | Lien Type | The priority position associated with the lien as it relates to the collateral (1, 2, etc.) | 1 | Numeric (whole number) | Integer |
| MORT | Collateral | 5015 | ORIG_APPR_DATE | Original Appraisal Date | The date that the original appraisal value was assessed | 20140931 | Date (YYYYMMDD) | Integer |
| MORT | Collateral | 5016 | ORIG_APPR_VALUE | Original Appraisal Amount | Appraised property value at the time of loan origination | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| MORT | Collateral | 5019 | ORIG_LTV_FIRST | Original LTV of First Lien | Used to represent the ratio of the first mortgage lien as a percentage of the total appraised value of real property at the origination of the loan | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | Collateral | 5020 | ORIG_MI_COVERAGE | MI Coverage Percentage (Original) | The percentage of the loan's principle balanced covered by mortgage insurance at origination. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| MORT | Collateral | 5022 | PROP_STATE | Property State | The two-letter state code that represents the state in which the property exists | NY | Text | Char(2) |
| MORT | Collateral | 5023 | PROP_ZIP_CODE | Property Zip Code | 10 digit zip code of the property | 01234-1234 | Text | varchar(10) |
| MORT | Collateral | 5024 | REFRESH_APPR_DATE | Refreshed Appraisal Date | The date in which the updated opinion of value is assessed | 20140931 | Date (YYYYMMDD) | Integer |
| MORT | Collateral | 5025 | REFRESH_APPR_VALUE | Refreshed Appraisal Value | The value of the asset securing the loan as assessed in the subsequent opinion of value | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| MORT | Collateral | 5026 | SALES_PRICE | Sales/Purchase Price | The amount of money used to acquire the real property securing the loan. | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| MORT | Balance | 6003 | CURR_BAL | Current Principal Balance | Amount due and owing to satisfy the payoff of the underlying obligation, less interest or other charges for the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| MORT | Balance | 6005 | CURR_JUN_BAL | Current Junior Balance | Amount of balance subordinated to senior debt in the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| MORT | Balance | 6012 | ORIG_BAL | Original Principal Balance | Amount due and owing to satisfy the payoff of the underlying obligation, less interest or other charges at the start of the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| MORT | Balance | 6013 | ORIG_JUN_BAL | Original Junior Balance | Amount of balance subordinated to senior debt at the beginning of the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| MORT | Performance | 7001 | ACCRUAL_STATUS_FLAG | Accrual Status Flag | A flag to identify if the loan accrues interest on the outstanding balance. | Y | Text (Y or N) | Char(1) |
| MORT | Performance | 7002 | ACT_PNI_PAID | Actual P&I Amount Paid | The actual amount paid toward the principal (the amount borrowed) and the interest (what the lender charges for lending the money) in the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| MORT | Performance | 7003 | BKRPT_CHAPTER | Bankruptcy Chapter | The type of bankruptcy used for the loan | 13 | Numeric (whole number) | Integer |
| MORT | Performance | 7004 | BKRPT_FLAG | Bankruptcy Flag | A flag that indicates whether or not the borrower of the loan is bankrupt. | Y | Text (Y or N) | Char(1) |
| MORT | Performance | 7005 | CHARGE_OFF_AMT | Monthly Charge Off Amount | The charge off amount incrementally taken in the current month against the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| MORT | Performance | 7008 | CONFORM_CURR_LOAN_STATUS | Conformed Current Status | One of the standard values applied to describe the condition of the loan. Some status may not apply to all loan types. | 1. Active 2. Inactive 3. Paid-off 4. Frozen 5. Closed 6. Charged-off 7. Foreclosed 8. Repossession/REO 9. Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | Performance | 7009 | CONFORM_EXIT_TYPE | Conformed Exit Type | Indicates the type of loan exit. Report this status in the last month of the loan's history. Must be one of the numeric values in the example. If the loan is active, please leave NULL. |
1 - Paid-off 2 - Sale to Other Institution 3 - Sale into Securitization 4 - Rep/REO/Charged-off |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | Performance | 7011 | CONFORM_MOD_TYPE | Conformed Modification Type | Types of any short term loan workout plan and long term modification. Choose one of the conformed entries that best describes the action. 1 - Including payment pause or temporary lower payment, but borrower pays back later 2 - including payment reduction due to lower interest rate and/or term extension 3 - Including reduction of principal, accrued interest, and/or fees 4 - Including change from variable rate to fixed rate, and other loan type changes |
1 - Forbearance/Deferment/Extension 2 - Payment Reduction 3 - Principal Reduction 4 - Loan Type Change |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| MORT | Performance | 7016 | CURR_CREDIT_GRADE | Current Internal Credit Grade | The current grade applied by the Credit Union to describe the borrower's credit health. | B | Text (A, B, C, D etc.) | Char(1) |
| MORT | Performance | 7017 | CURR_CREDIT_SCORE_MODEL | Current Credit Score Model | The credit score model in current reporting month. Must specify and in the order of : 1. the type of credit model in current use 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| MORT | Performance | 7018 | CURR_FICO | Current FICO Score | Borrower credit score in the current period. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Curr_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| MORT | Performance | 7021 | DPD | Days Past Due | The number of days the loan payment is beyond its due date | 12 | Numeric (whole number) | Integer |
| MORT | Performance | 7027 | LATEST_MOD_DATE | Date of Last Modification | The date of the most recent loan restructuring | 20140931 | Date (YYYYMMDD) | Integer |
| MORT | Performance | 7028 | MOD_FLAG | Modification Flag | A flag indicating whether the loan has ever been modified | Y | Text (Y or N) | Char(1) |
| MORT | Performance | 7035 | NBR_TIMES_MOD | Number of times modified life of loan | The total number of times the loan went through a restructuring process throughout its life | 4 | Numeric (whole number) | Integer |
| MORT | Performance | 7039 | TDR_FLAG | TDR Flag | A flag indicating whether a loan is currently undergoing troubled debt restructuring (TDR) | Y | Text (Y or N) | Char(1) |
| MORT | Performance | 7040 | TDR_HIST_FLAG | TDR Flag (previously classified as TDR) | An indicator that denotes if the loan has ever been classified as a TDR | Y | Text (Y or N) | Char(1) |
| Type | Field Category | Field Number | Table Field Name V3 | Field Name | Description | V3 Example/Conformed Entry | Data Format | Max Field Length |
| Other | Baseline | 1001 | SNAPSHOT_DATE | Tape Cut-off date | The last day of the month corresponding to the month in which the data is relevant. (A quarterly report would contain 3 snapshot dates.) | 20140931 | Date (YYYYMMDD) | Integer |
| Other | Baseline | 1002 | JOIN_NUMBER | Join Number | CU Unique Join Number Assigned by NCUA. This number does not change over time. | 123 | Numeric (whole number) | Integer |
| Other | Baseline | 1003 | CONFORM_ASSET_CLASS | Conformed Asset Class | A classification applied to a group of instruments which have similar financial characteristics | 1 - Auto 2 - Credit Card 3 - Mortgage 4 - Home Equity 5 - Other Consumer Loan 6 - Student 7 - CRE 8 - Non-CRE Commercial |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | Baseline | 1004 | MEMBER_ID | Member ID | Tokenized unique member ID, not actual CU member ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| Other | Baseline | 1006 | LOAN_ID | Account Number | Tokenized unique account number, not actual CU loan ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| Other | Member | 2002 | BORROWER_AGE | Borrower Age | The age (in years) of the borrower in years as of the loan origination date. | 12 | Numeric (whole number) | Integer |
| Other | Member | 2003 | BORROWER_OCCUP | Borrower Occupation | The job or profession of the person who is the primary borrower at the time of origination | Teacher | Text | varchar(60) |
| Other | Member | 2004 | BORROWER_STATE_CODE | State | The two letter state code representing the state in which the primary borrower resides at the time of loan origination. | NY | Text | Char(2) |
| Other | Member | 2008 | MEMBER_INCOME | Member Income | Member monthly income used in credit union’s underwriting of the loan at origination | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Other | General | 3004 | BUSINESS_ACCOUNT_FLAG | Member Business Account Flag | Flag to indicate if the account belongs to a business customer. | Y | Text (Y or N) | Char(1) |
| Other | General | 3006 | CO_BORROWER_FLAG | Co-borrower/Co-signor Flag | A flag that indicates whether or not any additional borrower(s) name(s) whose income and credit history are used to qualify for the loan appear on loan documents | Y | Text (Y or N) | Char(1) |
| Other | General | 3010 | CONFORM_LOAN_PURPOSE | Conformed Loan Purpose | A comment describing the use of loan proceeds | 1 - Purchase 2 - Debt Consolidation |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | General | 3011 | CONFORM_LOAN_SOURCE | Conformed Account Source / Channel | Specifies the source or channel where the account originated. | 1 - Originated In House 2 - Indirect Origination (Dealer, Broker, etc.) 3 - Purchase from traditional financial entity 4 - Purchase from fintech 5 - Syndication Purchase 6 - Participation 7 - M&A 8 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | General | 3013 | CONFORM_PARTICIPATION_AGENT | Conformed Participation Agent | The lead agent entity type during the participation loan underwriting | 1 - Bank 2 - Credit Union 3 - Fintech 4 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | General | 3014 | CONFORM_PRODUCT_TYPE | Conformed Product Type | The type of account or product according to a standard list of product types. | 1 - Closed End Loan 2 - Line of Credit 3 - Hybrid |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | General | 3015 | CONFORM_SERVICER | Conformed Servicer | The loan servicer is the entity that handles the billing and other services on the loan (e.g. collecting interest, principal and escrow payments from a borrower). | 1 - In House 2 - External |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | General | 3016 | CONFORM_UNDERWRITING_TYPE | Conformed Automated or Manual approval | Indicates whether or not the loan was approved via a person or an automatic process | 1 - Automated 2 - Manual 3 - Hybrid |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | General | 3018 | CREDIT_UNION_PRODUCT_TYPE | Credit Union Specific Product Type | The credit union product name. May be used to help differentiate between various tiers of standardized product types or non standard products. | Credit Union Specific depending upon presentation of type code or description | Text | varchar(60) |
| Other | General | 3021 | DTI_BACK_ORIG | Back-End DTI (Original) | Debt to Income ratio: monthly debt payments divided by gross monthly income (at origination) | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Other | General | 3022 | DTI_FRONT_ORIG | Front-End DTI (Original) | Debt to Income ratio: monthly expenses (such as mortgage payments, mortgage insurance, etc.) divided by gross income (at origination) | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Other | General | 3024 | HELD_FOR_SALE_FLAG | Held for Sale Flag | Specify if the loan is designated as held for sale | Y | Text (Y or N) | Char(1) |
| Other | General | 3025 | INCOME_VERIFICATION | Income Verification | Specify if member income has been verified at loan origination | Y | Text (Y or N) | Char(1) |
| Other | General | 3029 | LOAN_DESC | Loan Description | A comment describing the nature or use of the loan | Line of credit to pay off other debt | Text | varchar(60) |
| Other | General | 3030 | LOAN_SOURCE | Loan Source | Specifies the detailed source or channel where the account originated. | Purchased from Bank ABC | Text | varchar(60) |
| Other | General | 3034 | ORIG_CRED_LIMIT | Original Credit Limit | The original amount that represents the most a borrower can incur on a revolving loan, such as a credit card. This is for revolving lines of credit. If the loan is a closed-end loan, leave NULL. | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Other | General | 3035 | ORIG_CREDIT_GRADE | Original Internal Credit Grade | The original letter grade applied by the Credit Union to describe the borrower's credit health. | C | Text (A, B, C, D etc.) | Char(1) |
| Other | General | 3036 | ORIG_CREDIT_SCORE_MODEL | Credit Score Model at Loan Origination | The credit score model in use at loan origination. Must specify and in the order of : 1. the type of credit model at loan origination 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| Other | General | 3038 | ORIG_FICO | Original FICO Score | Borrower credit score at the origination. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Orig_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| Other | General | 3043 | PARTICIPATION_RATIO | Participation Ratio | CU Loan participation amount as the percentage of the total loan amount. Leave NULL if the loan is not a participation loan. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Other | General | 3044 | PRODUCT_TYPE | Product Type | The type of account or product according to a standard list of product types defined internally by Credit Unions | Solar backed by federal tax credit | Text | varchar(60) |
| Other | General | 3047 | RECOURSE_FLAG | Recourse Flag | A flag indicating that the lender may seek financial damages if the borrower fails to pay the liability, and if the value of the underlying asset is not enough to cover it (a recourse loan allows the lender to go after the debtor's assets that were not used as loan collateral in case of default) | Y | Text (Y or N) | Char(1) |
| Other | General | 3049 | SERVICER | Servicer | The name of the loan servicer which is the entity that handles the billing and other services on the loan (e.g. collecting interest, principal and escrow payments from a borrower). | ABC company | Text | varchar(60) |
| Other | Dates / Term | 4009 | CONFORM_INT_RATE_INDEX | Conformed interest rate Index | The name of the index from which the interest rate resets. If the loan is a fixed rate loan, please leave NULL. | 1 - PRIME 2 - LIBOR 3 - TREASURY 4 - 11TH COFI 5 - SOFR 6 - INTERNAL COST OF FUNDS 7 - OTHER INTERNAL PRICING MODEL 8 - CODI 9 - FHLB 10 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | Dates / Term | 4010 | CONFORM_INT_RATE_TYPE | Conformed Interest Rate Type | The type of interest rate associated with the loan (e.g. Fixed, Variable, etc.) | 1 - FIXED 2 - Variable 3 - Hybrid 4 - Step |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | Dates / Term | 4011 | CONFORM_PAYMNT_FREQNCY | Conformed Frequency of Payment | The interval of time (quarterly, monthly, bi-monthly, etc.) indicating how frequently the payment is due | 1 - WEEKLY 2 - BI-WEEKLY/Semi-Monthly 3 - MONTHLY 4 - BI-MONTHLY 5 - QUARTERLY 6 - Semi-annually 7 - ANNUALLY 8 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | Dates / Term | 4013 | CURR_FICO_DATE | Date of Current FICO Score | Date of updated FICO score | 20140931 | Date (YYYYMMDD) | Integer |
| Other | Dates / Term | 4014 | CURR_INT_RATE | Current interest Rate | The current period's interest rate in percentage | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Other | Dates / Term | 4015 | CURRENT_P&I_AMOUNT_OWED | Current P&I Amount Owed | For Auto/CC/EQ (HEIL)/Mort, thesis the current amount owed monthly on the loan based on Principal and Interest. For CC or HELOC, this is the minimum monthly payment due. For commercial loans, this is the monthly payment due in the loan agreement. This entry is for performing loans only and does not include past due amounts. | 123.44 | Numeric (to two decimal places) | Decimal(19,2) |
| Other | Dates / Term | 4016 | DATE_LINE_CLOSED | Date line of credit is closed | The date on which the line of credit was closed, if it is applicable | 20140931 | Date (YYYYMMDD) | Integer |
| Other | Dates / Term | 4018 | FIRST_PAY_DATE | First Payment Date | The date that the first payment of the account is/was due | 20140931 | Date (YYYYMMDD) | Integer |
| Other | Dates / Term | 4022 | INT_GROSS_MARGIN | Gross Margin | The fixed rate added to an index value to determine the fully indexed interest rate | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Other | Dates / Term | 4026 | LAST_LIMIT_CHANGE_DATE | Date of last credit limit change | The date on which the credit limit was last changed | 20140931 | Date (YYYYMMDD) | Integer |
| Other | Dates / Term | 4029 | MATURITY_DATE | Maturity Date | The final payment date of a loan or other financial instrument, at which point the principal (and all remaining interest) is due to be paid | 20140931 | Date (YYYYMMDD) | Integer |
| Other | Dates / Term | 4034 | ORIG_DATE | Origination Date | The actual date the account was initiated | 20140931 | Date (YYYYMMDD) | Integer |
| Other | Dates / Term | 4035 | ORIG_INT_RATE | Original Interest Rate | The loan's interest rate at the time of origination | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Other | Dates / Term | 4036 | ORIG_LOAN_TERM | Stated Original Term | Original period in months over which a loan agreement is in force, and before or at the end of which the loan should be repaid. For Balloon loans it is the amortization term. For open end line of credit, leave this as null | 10 | Numeric in months | Integer |
| Other | Dates / Term | 4037 | PAID_THRU_DATE | Paid Through Date | Indicates the end term date of the last fully paid term | 20140931 | Date (YYYYMMDD) | Integer |
| Other | Dates / Term | 4044 | RATE_LIFE_CAP | Maximum Rate (Lifetime Cap) | The maximum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Other | Dates / Term | 4045 | RATE_LIFE_FLOOR | Minimum Rate (Lifetime Floor) | The minimum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Other | Collateral | 5004 | COLLATERAL_TYPE | Collateral Type | The detailed collateral information used to secure the loan | In house deposit balance | Text | varchar(60) |
| Other | Collateral | 5006 | CONFORM_COLLATERAL_TYPE | Conformed Collateral Type | The type of collateral used to secure the loan | 1 - CAR 2 - Truck/SUV 3 - MOTORCYCLE 4 - RV 5 - BOAT 6 - Real Estate 7 - Deposits 8 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | Collateral | 5018 | ORIG_LTV | Original Loan to Value | Used to express the ratio of the loan to the value of the asset purchased | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Other | Collateral | 5027 | SECURED_FLAG | Secured or Unsecured | A flag indicating whether a loan is secured with collateral | Y | Text (Y or N) | Char(1) |
| Other | Balance | 6003 | CURR_BAL | Current Principal Balance | Amount due and owing to satisfy the payoff of the underlying obligation, less interest or other charges for the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Other | Balance | 6004 | CURR_CRED_LIMIT | Current Credit Limit | The current amount that represents the most a borrower can incur on a revolving loan. This is for revolving lines of credit. | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Other | Balance | 6012 | ORIG_BAL | Original Principal Balance | Amount due and owing to satisfy the payoff of the underlying obligation, less interest or other charges at the start of the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Other | Performance | 7001 | ACCRUAL_STATUS_FLAG | Accrual Status Flag | A flag to identify if the loan accrues interest on the outstanding balance. | Y | Text (Y or N) | Char(1) |
| Other | Performance | 7002 | ACT_PNI_PAID | Actual P&I Amount Paid | The actual amount paid toward the principal (the amount borrowed) and the interest (what the lender charges for lending the money) in the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Other | Performance | 7003 | BKRPT_CHAPTER | Bankruptcy Chapter | The type of bankruptcy used for the loan | 13 | Numeric (whole number) | Integer |
| Other | Performance | 7004 | BKRPT_FLAG | Bankruptcy Flag | A flag that indicates whether or not the borrower of the loan is bankrupt. | Y | Text (Y or N) | Char(1) |
| Other | Performance | 7005 | CHARGE_OFF_AMT | Monthly Charge Off Amount | The charge off amount incrementally taken in the current month against the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Other | Performance | 7007 | CONFORM_CREDIT_LIMIT_CHANGE_ACTION | Conformed Action of last credit limit change | The action taken (increase, decrease or freeze) the last time the credit limit was changed. If there is no change, leave it blank | 1 - Increase 2 - Decrease 3 - Freeze |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | Performance | 7008 | CONFORM_CURR_LOAN_STATUS | Conformed Current Status | One of the standard values applied to describe the condition of the loan. Some status may not apply to all loan types. | 1. Active 2. Inactive 3. Paid-off 4. Frozen 5. Closed 6. Charged-off 7. Foreclosed 8. Repossession/REO 9. Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | Performance | 7009 | CONFORM_EXIT_TYPE | Conformed Exit Type | Indicates the type of loan exit. Report this status in the last month of the loan's history. Must be one of the numeric values in the example. If the loan is active, please leave NULL. |
1 - Paid-off 2 - Sale to Other Institution 3 - Sale into Securitization 4 - Rep/REO/Charged-off |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | Performance | 7011 | CONFORM_MOD_TYPE | Conformed Modification Type | Types of any short term loan workout plan and long term modification. Choose one of the conformed entries that best describes the action. 1 - Including payment pause or temporary lower payment, but borrower pays back later 2 - including payment reduction due to lower interest rate and/or term extension 3 - Including reduction of principal, accrued interest, and/or fees 4 - Including change from variable rate to fixed rate, and other loan type changes |
1 - Forbearance/Deferment/Extension 2 - Payment Reduction 3 - Principal Reduction 4 - Loan Type Change |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Other | Performance | 7016 | CURR_CREDIT_GRADE | Current Internal Credit Grade | The current grade applied by the Credit Union to describe the borrower's credit health. | B | Text (A, B, C, D etc.) | Char(1) |
| Other | Performance | 7017 | CURR_CREDIT_SCORE_MODEL | Current Credit Score Model | The credit score model in current reporting month. Must specify and in the order of : 1. the type of credit model in current use 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| Other | Performance | 7018 | CURR_FICO | Current FICO Score | Borrower credit score in the current period. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Curr_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| Other | Performance | 7021 | DPD | Days Past Due | The number of days the loan payment is beyond its due date | 12 | Numeric (whole number) | Integer |
| Other | Performance | 7028 | MOD_FLAG | Modification Flag | A flag indicating whether the loan has ever been modified | Y | Text (Y or N) | Char(1) |
| Other | Performance | 7039 | TDR_FLAG | TDR Flag | A flag indicating whether a loan is currently undergoing troubled debt restructuring (TDR) | Y | Text (Y or N) | Char(1) |
| Other | Performance | 7040 | TDR_HIST_FLAG | TDR Flag (previously classified as TDR) | An indicator that denotes if the loan has ever been classified as a TDR | Y | Text (Y or N) | Char(1) |
| Type | Field Category | Field Number | Table Field Name V3 | Field Name | Description | V3 Example/Conformed Entry | Data Format | Max Field Length |
| Student | Baseline | 1001 | SNAPSHOT_DATE | Tape Cut-off date | The last day of the month corresponding to the month in which the data is relevant. (A quarterly report would contain 3 snapshot dates.) | 20140931 | Date (YYYYMMDD) | Integer |
| Student | Baseline | 1002 | JOIN_NUMBER | Join Number | CU Unique Join Number Assigned by NCUA. This number does not change over time. | 123 | Numeric (whole number) | Integer |
| Student | Baseline | 1003 | CONFORM_ASSET_CLASS | Conformed Asset Class | A classification applied to a group of instruments which have similar financial characteristics | 1 - Auto 2 - Credit Card 3 - Mortgage 4 - Home Equity 5 - Other Consumer Loan 6 - Student 7 - CRE 8 - Non-CRE Commercial |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Student | Baseline | 1004 | MEMBER_ID | Member ID | Tokenized unique member ID, not actual CU member ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| Student | Baseline | 1006 | LOAN_ID | Account Number | Tokenized unique account number, not actual CU loan ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| Student | Member | 2002 | BORROWER_AGE | Borrower Age | The age (in years) of the borrower in years as of the loan origination date. | 12 | Numeric (whole number) | Integer |
| Student | Member | 2003 | BORROWER_OCCUP | Borrower Occupation | The job or profession of the person who is the primary borrower at the time of origination | Teacher | Text | varchar(60) |
| Student | Member | 2004 | BORROWER_STATE_CODE | State | The two letter state code representing the state in which the primary borrower resides at the time of loan origination. | NY | Text | Char(2) |
| Student | Member | 2008 | MEMBER_INCOME | Member Income | Member monthly income used in credit union’s underwriting of the loan at origination | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Student | General | 3006 | CO_BORROWER_FLAG | Co-borrower/Co-signor Flag | A flag that indicates whether or not any additional borrower(s) name(s) whose income and credit history are used to qualify for the loan appear on loan documents | Y | Text (Y or N) | Char(1) |
| Student | General | 3010 | CONFORM_LOAN_PURPOSE | Conformed Loan Purpose | A comment describing the use of loan proceeds | 1 - New Loan 2 - Refinance |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Student | General | 3011 | CONFORM_LOAN_SOURCE | Conformed Account Source / Channel | Specifies the source or channel where the account originated. | 1 - Originated In House 2 - Indirect Origination (Dealer, Broker, etc.) 3 - Purchase from traditional financial entity 4 - Purchase from fintech 5 - Syndication Purchase 6 - Participation 7 - M&A 8 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Student | General | 3013 | CONFORM_PARTICIPATION_AGENT | Conformed Participation Agent | The lead agent entity type during the participation loan underwriting | 1 - Bank 2 - Credit Union 3 - Fintech 4 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Student | General | 3014 | CONFORM_PRODUCT_TYPE | Conformed Property Type | The type of account or product according to a standard list of product types. | 1 - Federal Loan 2 - Private Loan 3 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Student | General | 3015 | CONFORM_SERVICER | Conformed Servicer | The loan servicer is the entity that handles the billing and other services on the loan (e.g. collecting interest, principal and escrow payments from a borrower). | 1 - In House 2 - External |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Student | General | 3016 | CONFORM_UNDERWRITING_TYPE | Conformed Automated or Manual approval | Indicates whether or not the loan was approved via a person or an automatic process | 1 - Automated 2 - Manual 3 - Hybrid |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Student | General | 3018 | CREDIT_UNION_PRODUCT_TYPE | Credit Union Specific Product Type | The credit union product name. May be used to help differentiate between various tiers of standardized product types or non standard products. | Credit Union Specific depending upon presentation of type code or description | Text | varchar(60) |
| Student | General | 3019 | DIRECT_CONS_FLAG | Direct To Consumer Flag | For student loans, a flag that indicates whether the funds are transferred directly to the borrower and not the school | Y | Text (Y or N) | Char(1) |
| Student | General | 3021 | DTI_BACK_ORIG | Back-End DTI (Original) | Debt to Income ratio: monthly debt payments divided by gross monthly income (at origination) | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Student | General | 3022 | DTI_FRONT_ORIG | Front-End DTI (Original) | Debt to Income ratio: monthly expenses (such as mortgage payments, mortgage insurance, etc.) divided by gross income (at origination) | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Student | General | 3024 | HELD_FOR_SALE_FLAG | Held for Sale Flag | Specify if the loan is designated as held for sale | Y | Text (Y or N) | Char(1) |
| Student | General | 3025 | INCOME_VERIFICATION | Income Verification | Specify if member income has been verified at loan origination | Y | Text (Y or N) | Char(1) |
| Student | General | 3029 | LOAN_DESC | Loan Description | A comment describing the nature or use of the loan | New loan for graduate school | Text | varchar(60) |
| Student | General | 3030 | LOAN_SOURCE | Loan Source | Specifies the detailed source or channel where the account originated. | Purchased from Bank ABC | Text | varchar(60) |
| Student | General | 3035 | ORIG_CREDIT_GRADE | Original Internal Credit Grade | The original letter grade applied by the Credit Union to describe the borrower's credit health. | C | Text (A, B, C, D etc.) | Char(1) |
| Student | General | 3036 | ORIG_CREDIT_SCORE_MODEL | Credit Score Model at Loan Origination | The credit score model in use at loan origination. Must specify and in the order of : 1. the type of credit model at loan origination 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| Student | General | 3038 | ORIG_FICO | Original FICO Score | Borrower credit score at the origination. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Orig_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| Student | General | 3043 | PARTICIPATION_RATIO | Participation Ratio | CU Loan participation amount as the percentage of the total loan amount. Leave NULL if the loan is not a participation loan. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Student | General | 3044 | PRODUCT_TYPE | Product Type | The type of account or product according to a standard list of product types defined internally by Credit Unions | Government backed student loan | Text | varchar(60) |
| Student | General | 3049 | SERVICER | Servicer | The name of the loan servicer which is the entity that handles the billing and other services on the loan (e.g. collecting interest, principal and escrow payments from a borrower). | ABC company | Text | varchar(60) |
| Student | Dates / Term | 4009 | CONFORM_INT_RATE_INDEX | Conformed interest rate Index | The name of the index from which the interest rate resets. If the loan is a fixed rate loan, please leave NULL. | 1 - PRIME 2 - LIBOR 3 - TREASURY 4 - 11TH COFI 5 - SOFR 6 - INTERNAL COST OF FUNDS 7 - OTHER INTERNAL PRICING MODEL 8 - CODI 9 - FHLB 10 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Student | Dates / Term | 4010 | CONFORM_INT_RATE_TYPE | Conformed Interest Rate Type | The type of interest rate associated with the loan (e.g. Fixed, Variable, etc.) | 1 - FIXED 2 - Variable 3 - Hybrid 4 - Step |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Student | Dates / Term | 4011 | CONFORM_PAYMNT_FREQNCY | Conformed Frequency of Payment | The interval of time (quarterly, monthly, bi-monthly, etc.) indicating how frequently the payment is due | 1 - WEEKLY 2 - BI-WEEKLY/Semi-Monthly 3 - MONTHLY 4 - BI-MONTHLY 5 - QUARTERLY 6 - Semi-annually 7 - ANNUALLY 8 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Student | Dates / Term | 4013 | CURR_FICO_DATE | Date of Current FICO Score | Date of updated FICO score | 20140931 | Date (YYYYMMDD) | Integer |
| Student | Dates / Term | 4014 | CURR_INT_RATE | Current interest Rate | The current period's interest rate in percentage | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Student | Dates / Term | 4015 | CURRENT_P&I_AMOUNT_OWED | Current P&I Amount Owed | For Auto/CC/EQ (HEIL)/Mort, thesis the current amount owed monthly on the loan based on Principal and Interest. For CC or HELOC, this is the minimum monthly payment due. For commercial loans, this is the monthly payment due in the loan agreement. This entry is for performing loans only and does not include past due amounts. | 123.44 | Numeric (to two decimal places) | Decimal(19,2) |
| Student | Dates / Term | 4018 | FIRST_PAY_DATE | First Payment Date | The date that the first payment of the account is/was due | 20140931 | Date (YYYYMMDD) | Integer |
| Student | Dates / Term | 4022 | INT_GROSS_MARGIN | Gross Margin | The fixed rate added to an index value to determine the fully indexed interest rate | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Student | Dates / Term | 4029 | MATURITY_DATE | Maturity Date | The final payment date of a loan or other financial instrument, at which point the principal (and all remaining interest) is due to be paid | 20140931 | Date (YYYYMMDD) | Integer |
| Student | Dates / Term | 4034 | ORIG_DATE | Origination Date | The actual date the loan was initiated | 20140931 | Date (YYYYMMDD) | Integer |
| Student | Dates / Term | 4035 | ORIG_INT_RATE | Original Interest Rate | The loan's interest rate at the time of origination | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Student | Dates / Term | 4036 | ORIG_LOAN_TERM | Stated Original Term | Original period in months over which a loan agreement is in force, and before or at the end of which the loan should be repaid. For Balloon loans it is the amortization term. For open end line of credit, leave this as null | 10 | Numeric in months | Integer |
| Student | Dates / Term | 4037 | PAID_THRU_DATE | Paid Through Date | Indicates the end term date of the last fully paid term | 20140931 | Date (YYYYMMDD) | Integer |
| Student | Dates / Term | 4044 | RATE_LIFE_CAP | Maximum Rate (Lifetime Cap) | The maximum interest rate to which the loan may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Student | Dates / Term | 4045 | RATE_LIFE_FLOOR | Minimum Rate (Lifetime Floor) | The minimum interest rate to which the loan may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Student | Dates / Term | 4060 | TIME_IN_REPAYMENT | Time In Repayment | Applies to Student Loans - the number of months the loan has been in repayment period | 4 | Numeric (whole number) | Integer |
| Student | Dates / Term | 4061 | TIME_TO_REPAYMENT | Time To Repayment | Applies to Student Loans - the amount of time, in months, until inception of repayment period | 4 | Numeric (whole number) | Integer |
| Student | Collateral | 5004 | COLLATERAL_TYPE | Collateral Type | The detailed collateral information used to secure the loan | In house deposit balance | Text | varchar(60) |
| Student | Balance | 6003 | CURR_BAL | Current Principal Balance | Amount due and owing to satisfy the payoff of the underlying obligation, less interest or other charges for the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Student | Balance | 6012 | ORIG_BAL | Original Principal Balance | Amount due and owing to satisfy the payoff of the underlying obligation, less interest or other charges at the start of the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Student | Performance | 7001 | ACCRUAL_STATUS_FLAG | Accrual Status Flag | A flag to identify if the loan accrues interest on the outstanding balance. | Y | Text (Y or N) | Char(1) |
| Student | Performance | 7002 | ACT_PNI_PAID | Actual P&I Amount Paid | The actual amount paid toward the principal (the amount borrowed) and the interest (what the lender charges for lending the money) in the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Student | Performance | 7004 | BKRPT_FLAG | Bankruptcy Flag | A flag that indicates whether or not the borrower of the loan is bankrupt. | Y | Text (Y or N) | Char(1) |
| Student | Performance | 7005 | CHARGE_OFF_AMT | Monthly Charge Off Amount | The charge off amount incrementally taken in the current month against the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Student | Performance | 7008 | CONFORM_CURR_LOAN_STATUS | Conformed Current Status | One of the standard values applied to describe the condition of the loan. Some status may not apply to all loan types. | 1. Active 2. Inactive 3. Paid-off 4. Frozen 5. Closed 6. Charged-off 7. Foreclosed 8. Repossession/REO 9. Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Student | Performance | 7009 | CONFORM_EXIT_TYPE | Conformed Exit Type | Indicates the type of loan exit. Report this status in the last month of the loan's history. Must be one of the numeric values in the example. If the loan is active, please leave NULL. |
1 - Paid-off 2 - Sale to Other Institution 3 - Sale into Securitization 4 - Rep/REO/Charged-off |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Student | Performance | 7011 | CONFORM_MOD_TYPE | Conformed Modification Type | Types of any short term loan workout plan and long term modification. Choose one of the conformed entries that best describes the action. 1 - Including payment pause or temporary lower payment, but borrower pays back later 2 - including payment reduction due to lower interest rate and/or term extension 3 - Including reduction of principal, accrued interest, and/or fees 4 - Including change from variable rate to fixed rate, and other loan type changes |
1 - Forbearance/Deferment/Extension 2 - Payment Reduction 3 - Principal Reduction 4 - Loan Type Change |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Student | Performance | 7016 | CURR_CREDIT_GRADE | Current Internal Credit Grade | The current grade applied by the Credit Union to describe the borrower's credit health. | B | Text (A, B, C, D etc.) | Char(1) |
| Student | Performance | 7017 | CURR_CREDIT_SCORE_MODEL | Current Credit Score Model | The credit score model in current reporting month. Must specify and in the order of : 1. the type of credit model in current use 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| Student | Performance | 7018 | CURR_FICO | Current FICO Score | Borrower credit score in the current period. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Curr_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| Student | Performance | 7021 | DPD | Days Past Due | The number of days the loan payment is beyond its due date | 12 | Numeric (whole number) | Integer |
| Student | Performance | 7022 | IN_DEFERMENT_FLAG | In Deferment Flag | For student loans, a flag that indicates whether or not the loan is currently in a status where principal and interest of the loan is temporarily delayed | Y | Text (Y or N) | Char(1) |
| Student | Performance | 7023 | IN_GRACE_FLAG | In Grace Flag | For student loans, a flag that indicates whether or not the loan is currently in the grace period where no payments are due | Y | Text (Y or N) | Char(1) |
| Student | Performance | 7024 | IN_SCHOOL_FLAG | In School Flag | For student loans, a flag that indicates whether or not the borrower is currently in school | Y | Text (Y or N) | Char(1) |
| Student | Performance | 7028 | MOD_FLAG | Modification Flag | A flag indicating whether the loan has ever been modified | Y | Text (Y or N) | Char(1) |
| Student | Performance | 7039 | TDR_FLAG | TDR Flag | A flag indicating whether a loan is currently undergoing troubled debt restructuring (TDR) | Y | Text (Y or N) | Char(1) |
| Student | Performance | 7040 | TDR_HIST_FLAG | TDR Flag (previously classified as TDR) | An indicator that denotes if the loan has ever been classified as a TDR | Y | Text (Y or N) | Char(1) |
| Type | Field Category | Field Number | Table Field Name V3 | Field Name | Description | V3 Example/Conformed Entry | Data Format | Max Field Length |
| CRE | Baseline | 1001 | SNAPSHOT_DATE | Snapshot Date | The last day of the month corresponding to the month in which the data is relevant. | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Baseline | 1002 | JOIN_NUMBER | Join Number | CU Unique Join Number Assigned by NCUA. This number does not change over time. | 123 | Numeric (whole number) | Integer |
| CRE | Baseline | 1003 | CONFORM_ASSET_CLASS | Conformed Asset Class | A classification applied to a group of instruments which have similar financial characteristics | 1 - Auto 2 - Credit Card 3 - Mortgage 4 - Home Equity 5 - Other Consumer Loan 6 - Student 7 - CRE 8 - Non-CRE Commercial |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | Baseline | 1004 | MEMBER_ID | Member ID | Tokenized unique member ID, not actual CU member ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| CRE | Baseline | 1006 | LOAN_ID | Account Number | Tokenized unique account number, not actual CU loan ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| CRE | General | 3003 | BORROWER_INFO_FLAG | Borrower and principal holder information used for underwriting | A flag to identify if information available for Borrower and principal: Certified/Audited operating statements, synopsis of principals' current real estate holdings, credit reports, records searches such as judgments and liens, etc. | N | Text (Y or N) | Char(1) |
| CRE | General | 3011 | CONFORM_LOAN_SOURCE | Conformed Account Source / Channel | Specifies the source or channel where the account originated. | 1 - Originated In House 2 - Indirect Origination (Dealer, Broker, etc.) 3 - Purchase from traditional financial entity 4 - Purchase from fintech 5 - Syndication Purchase 6 - Participation 7 - M&A 8 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | General | 3012 | CONFORM_OCC_TYPE | Conformed Occupancy Type | The property's occupancy status by the borrower (the borrower occupies the collateral property or lease/rent out the property to others with no borrower presence ) | 1 - Borrower Occupied (fully or partially) 2 - Borrower Not Occupied |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | General | 3013 | CONFORM_PARTICIPATION_AGENT | Conformed Participation Agent | The lead agent entity type during the participation loan underwriting | 1 - Bank 2 - Credit Union 3 - Fintech 4 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | General | 3014 | CONFORM_PRODUCT_TYPE | Conformed Product Type | The type of account or product according to a standard list of product types. | 1 - Closed End Loan 2 - Line of Credit |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | General | 3015 | CONFORM_SERVICER | Conformed Servicer | The loan servicer is the entity that handles the billing and other services on the loan (e.g. collecting interest, principal and escrow payments from a borrower). | 1 - In House 2 - External |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | General | 3016 | CONFORM_UNDERWRITING_TYPE | Underwriting types | Identify the underwriting approach | 1 - Full Underwriting 2 - Pro Forma 3 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | General | 3017 | CONSTR_LOAN_FLAG | Construction CRE loan (Y/N) | Flag indicating if this is a construction CRE loan | Y | Text (Y or N) | Char(1) |
| CRE | General | 3018 | CREDIT_UNION_PRODUCT_TYPE | Credit Union Specific Product Type | The credit union product name. May be used to help differentiate between various tiers of standardized product types or non standard products. | Credit Union Specific depending upon presentation of type code or description | Text | varchar(60) |
| CRE | General | 3024 | HELD_FOR_SALE_FLAG | Held for Sale Flag | Specify if the loan is designated as held for sale | Y | Text (Y or N) | Char(1) |
| CRE | General | 3031 | LTC | Loan to cost ratio | Original Loan to Cost ratio of the construction loan | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CRE | General | 3035 | ORIG_CREDIT_GRADE | Original Internal Credit Grade | The original letter grade applied by the Credit Union to describe the borrower's credit health. | C | Text (A, B, C, D etc.) | Char(1) |
| CRE | General | 3036 | ORIG_CREDIT_SCORE_MODEL | Credit Score Model at Loan Origination | The credit score model in use at loan origination. Must specify and in the order of : 1. the type of credit model at loan origination 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| CRE | General | 3037 | ORIG_DSCR | DSCR at origination | The Debt Service Coverage Ratio (DSCR) is calculated by dividing the NOI by the required Debt Service payments. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CRE | General | 3038 | ORIG_FICO | Original FICO Score | Borrower credit score at the origination. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Orig_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| CRE | General | 3039 | ORIG_FINAN_INFO_DATE | Contribution Financials As Of Date | The date of the underwritten operating statements for the property. If available, use most recent ending financial date provided, else should equal transaction closing date. If multiple properties and all the same, print the date. If missing any, leave empty. | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | General | 3040 | ORIG_FINAN_INFO_FLAG | Property financial information used for underwriting | Availability of property financial information used for underwriting including: Certified/Audited operating statements, annual occupancy and rate statements, summary of delinquency and credit loss, summary of capital expenditures, property tax bills etc. | Y | Text (Y or N) | Char(1) |
| CRE | General | 3041 | ORIG_NOI | NOI at origination | Net Operating Income (Annual) used for underwriting the loan | 100000 | Numeric (to two decimal places) | Decimal(19,2) |
| CRE | General | 3043 | PARTICIPATION_RATIO | Percentage of total loan amount | CU Loan participation amount as the percentage of the total loan amount. Leave NULL if the loan is not a participation loan. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CRE | General | 3045 | PROFIT_RATIO | Construction profit ratio | Initial expected return on construction costs | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CRE | Dates / Term | 4001 | AMORT_TERM | Amortization Term in Months | Loan Amortization Term in Months | 120 | Numeric (whole number) | Integer |
| CRE | Dates / Term | 4002 | BALLOON_FLAG | Balloon (Y/N) | Indicator = Y if the loan documents require a lump-sum payment of principal at maturity. If not required = N. If data not yet available, then leave NULL | N | Text (Y or N) | Char(1) |
| CRE | Dates / Term | 4009 | CONFORM_INT_RATE_INDEX | Conformed interest rate Index | The name of the index from which the interest rate resets. If the loan is a fixed rate loan, please leave NULL. | 1 - PRIME 2 - LIBOR 3 - TREASURY 4 - 11TH COFI 5 - SOFR 6 - INTERNAL COST OF FUNDS 7 - OTHER INTERNAL PRICING MODEL 8 - CODI 9 - FHLB 10 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | Dates / Term | 4010 | CONFORM_INT_RATE_TYPE | Conformed Interest Rate Type | The type of interest rate associated with the loan (e.g. Fixed, Variable, etc.) | 1 - FIXED 2 - Variable 3 - Hybrid 4 - Step |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | Dates / Term | 4013 | CURR_FICO_DATE | Date of Current FICO Score | Date of updated FICO score | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Dates / Term | 4014 | CURR_INT_RATE | Current interest Rate | The current period's interest rate in percentage | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CRE | Dates / Term | 4015 | CURRENT_P&I_AMOUNT_OWED | Current P&I Amount Owed | For Auto/CC/EQ (HEIL)/Mort, thesis the current amount owed monthly on the loan based on Principal and Interest. For CC or HELOC, this is the minimum monthly payment due. For commercial loans, this is the monthly payment due in the loan agreement. This entry is for performing loans only and does not include past due amounts. | 123.44 | Numeric (to two decimal places) | Decimal(19,2) |
| CRE | Dates / Term | 4018 | FIRST_PAY_DATE | First Payment Date | The date that the first payment of the account is/was due | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Dates / Term | 4019 | FIRST_RATE_ADJ_DATE | First Rate Adjustment Date | The initial date in which the account's interest rate will adjust. | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Dates / Term | 4020 | FIRST_RESET_FREQ | First Rate Reset Frequency | The amount of time until the interest rate changes for the first time (in months) | 12 | Numeric (whole number) | Integer |
| CRE | Dates / Term | 4022 | INT_GROSS_MARGIN | Gross Margin | The fixed rate added to an index value to determine the fully indexed interest rate | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CRE | Dates / Term | 4024 | IO_FLAG | Interest Only (Y/N) | Flag indicating if this is a loan for which scheduled interest only is payable, whether for a temporary basis or until the full loan balance is due. | Y | Text (Y or N) | Char(1) |
| CRE | Dates / Term | 4025 | IO_TERM | Original Interest Only Term in Months | The length of time (in months) during which the borrower pays only the interest on the principal balance | 120 | Numeric (whole number) | Integer |
| CRE | Dates / Term | 4027 | LEASE_INFO_FLAG | Tenant/lease information used for underwriting | A flag to identify if information available for detailed rent roll, all major leases, etc. | Y | Text (Y or N) | Char(1) |
| CRE | Dates / Term | 4029 | MATURITY_DATE | Maturity Date | The final payment date of a loan or other financial instrument, at which point the principal (and all remaining interest) is due to be paid | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Dates / Term | 4030 | MOD_INT_RATE | Modified interest rate | The interest rate after loan modification. If the loan is not modified, leave NULL. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CRE | Dates / Term | 4031 | MOST_RECENT_FINAN_DATE | Most recent financial statement as of end date | Most recent financial statement as of snapshot date | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Dates / Term | 4034 | ORIG_DATE | Origination Date | The actual date the account was initiated | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Dates / Term | 4035 | ORIG_INT_RATE | Original Interest Rate | The loan's interest rate at the time of origination | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CRE | Dates / Term | 4036 | ORIG_LOAN_TERM | Stated Original Term | Original period in months over which a loan agreement is in force, and before or at the end of which the loan should be repaid. For Balloon loans it is the amortization term. For open end line of credit, leave this as null | 240 | Numeric (whole number) | Integer |
| CRE | Dates / Term | 4037 | PAID_THRU_DATE | Paid Through Date | Indicates the end term date of the last fully paid term | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Dates / Term | 4038 | POST_MOD_MAT_DATE | Post modification maturity date | New maturity date after loan modification. If the loan is not modified, leave NULL. | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Dates / Term | 4041 | PREPAY_LOCKOUT_END_DATE | Prepayment Lock-out End Date | Prepayment Lock-out end date | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Dates / Term | 4044 | RATE_LIFE_CAP | Maximum Rate (Lifetime Cap) | The maximum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CRE | Dates / Term | 4045 | RATE_LIFE_FLOOR | Minimum Rate (Lifetime Floor) | The minimum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CRE | Dates / Term | 4062 | WATCHLIST_DATE | Date added to servicer watchlist | The most recent determination date that a loan was placed on the Servicer Watchlist. If a loan is not on the Servicer Watchlist or comes off the Servicer Watchlist, the field should be empty. If a loan subsequently comes back on the Servicer Watchlist, input the new determination date. | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Dates / Term | 4063 | YIELD_MAINT_END_DATE | Yield Maintenance End Date | The date after which yield maintenance prepayment penalties are no longer effective. | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Collateral | 5007 | CONFORM_ORIG_APPR_TYPE | Original Appraisal Method | The method used to establish the value of real property securing the loan at origination. | 1 - Broker's Price Opinion 2 - Certified MAI Appraisal 3 - Non-Certified MAI Appraisal 4 - Servicer Estimate 5 - AVM 6 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | Collateral | 5008 | CONFORM_PROPERTY_TYPE | Property Type | Specify the property type | 1 - Multifamily 2 - Office 3 - Retail 4 - Hotel 5 - Industrial 6 - Warehouse and Storage 7 - Mixed use 8 - Health Care 9 - Single family 10 - Restaurant 11 - Religious 12 - Other |
Numeric | Integer |
| CRE | Collateral | 5009 | CONFORM_REFRESH_APPR_TYPE | Refreshed Appraisal Method | The method used to establish the value of real property securing the loan during ongoing loan appraisal/review. | 1 - Broker's Price Opinion 2 - Certified MAI Appraisal 3 - Non-Certified MAI Appraisal 4 - Servicer Estimate 5 - AVM 6 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | Collateral | 5011 | CURR_LTV | Current loan to value | Current loan to value ratio | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CRE | Collateral | 5015 | ORIG_APPR_DATE | Original Appraisal Date | The date that the original appraisal value was assessed | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Collateral | 5016 | ORIG_APPR_VALUE | Appraisal Valuation Amount at origination | Appraised property value at the time of loan origination | 1000000 | Numeric (to two decimal places) | Decimal(19,2) |
| CRE | Collateral | 5018 | ORIG_LTV | Original loan to value | Used to represent the ratio of the mortgage lien as a percentage of the total appraised value of real property at the origination of the loan | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CRE | Collateral | 5021 | PROP_CITY | Property City | The textual description (i.e. name) of the city in which the property exists | Seattle | Text | varchar(60) |
| CRE | Collateral | 5022 | PROP_STATE | Property State | The two-letter state code that represents the state in which the property exists | WA | Text | Char(2) |
| CRE | Collateral | 5023 | PROP_ZIP_CODE | Property Zip Code | 10 digit zip code of the property | 01234-1234 | Text | varchar(10) |
| CRE | Collateral | 5024 | REFRESH_APPR_DATE | Refreshed Appraisal Date | The date in which the updated opinion of value is assessed | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Collateral | 5025 | REFRESH_APPR_VALUE | Most recent appraisal value | Most recent appraisal value | 10000000 | Numeric (to two decimal places) | Decimal(19,2) |
| CRE | Balance | 6003 | CURR_BAL | Actual Balance | Outstanding actual balance of the loan as of the snapshot date. This figure represents the legal remaining outstanding principal balance related to the borrower’s mortgage note. | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| CRE | Balance | 6012 | ORIG_BAL | Original Note Amount | Amount due and owing to satisfy the payoff of the underlying obligation, less interest or other charges at the start of the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| CRE | Performance | 7001 | ACCRUAL_STATUS_FLAG | Accrual Status Flag | A flag to identify if the loan accrues interest on the outstanding balance. | Y | Text (Y or N) | Char(1) |
| CRE | Performance | 7002 | ACT_PNI_PAID | Actual P&I Amount Paid | The actual amount paid toward the principal (the amount borrowed) and the interest (what the lender charges for lending the money) in the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| CRE | Performance | 7004 | BKRPT_FLAG | In Bankruptcy (Y/N) | A flag that indicates whether or not the borrower of the loan is bankrupt or has filed for bankruptcy. | N | Text (Y or N) | Char(1) |
| CRE | Performance | 7005 | CHARGE_OFF_AMT | Monthly Charge Off Amount | The charge off amount incrementally taken in the current month against the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| CRE | Performance | 7008 | CONFORM_CURR_LOAN_STATUS | Conformed Current Status | One of the standard values applied to describe the condition of the loan. Some status may not apply to all loan types. | 1. Active 2. Inactive 3. Paid-off 4. Frozen 5. Closed 6. Charged-off 7. Foreclosed 8. Repossession/REO 9. Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | Performance | 7009 | CONFORM_EXIT_TYPE | Liquidation/Prepayment Code | Indicates the type of loan exit. Report this status in the last month of the loan's history. Must be one of the numeric values in the example. If the loan is active, please leave NULL. |
1 - Paid-off 2 - Sale to Other Institution 3 - Sale into Securitization 4 - Rep/REO/Charged-off |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | Performance | 7010 | CONFORM_LOAN_CLASSIFICATION | Current loan classification | Standardized credit union internal risk grade | 1 - Pass 2 - Special Mention 3 - Substandard 4 - Doubtful 5 - Loss |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | Performance | 7011 | CONFORM_MOD_TYPE | Conformed Modification Type | Types of any short term loan workout plan and long term modification. Choose one of the conformed entries that best describes the action. 1 - Including payment pause or temporary lower payment, but borrower pays back later 2 - including payment reduction due to lower interest rate and/or term extension 3 - Including reduction of principal, accrued interest, and/or fees 4 - Including change from variable rate to fixed rate, and other loan type changes |
1 - Forbearance/Deferment/Extension 2 - Payment Reduction 3 - Principal Reduction 4 - Loan Type Change |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| CRE | Performance | 7016 | CURR_CREDIT_GRADE | Current Internal Credit Grade | The current grade applied by the Credit Union to describe the borrower's credit health. | B | Text (A, B, C, D etc.) | Char(1) |
| CRE | Performance | 7017 | CURR_CREDIT_SCORE_MODEL | Current Credit Score Model | The credit score model in current reporting month. Must specify and in the order of : 1. the type of credit model in current use 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| CRE | Performance | 7018 | CURR_FICO | Current FICO Score | Borrower credit score in the current period. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Curr_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| CRE | Performance | 7021 | DPD | Days Past Due | The number of days the loan payment is beyond its due date | 0 | Numeric (whole number) | Integer |
| CRE | Performance | 7027 | LATEST_MOD_DATE | Date of Last Modification | The date of the most recent loan restructuring | 20140931 | Date (YYYYMMDD) | Integer |
| CRE | Performance | 7028 | MOD_FLAG | Modification Indicator | If the loan has been modified or subject to a forbearance, this field should have a Y, otherwise an N should be populated. | N | Text (Y or N) | Char(1) |
| CRE | Performance | 7032 | MOST _RECENT_NOI | Most recent reported NOI | Net Operating Income (Annual) | 100000 | Numeric (to two decimal places) | Decimal(19,2) |
| CRE | Performance | 7033 | MOST_RECENT_DSCR | Most recent reported DSCR | Debt Service Coverage Ratio | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CRE | Performance | 7034 | MOST_RECENT_OCCUPANCY | Most recent reported occupancy rate | Most recent reported occupancy rate | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| CRE | Performance | 7035 | NBR_TIMES_MOD | Number of times modified life of loan | The total number of times the loan went through a restructuring process throughout its life | 4 | Numeric (whole number) | Integer |
| CRE | Performance | 7039 | TDR_FLAG | TDR flag | A flag indicating whether a loan has undergone troubled debt restructuring (TDR) | N | Text (Y or N) | Char(1) |
| CRE | Performance | 7040 | TDR_HIST_FLAG | TDR flag (previously classified as TDR) | An indicator that denotes if the loan has ever been classified as a TDR | N | Text (Y or N) | Char(1) |
| Type | Field Category | Field Number | Table Field Name V3 | Field Name | Description | V3 Example/Conformed Entry | Data Format | Max Field Length |
| Non-CRE Commercial | Baseline | 1001 | SNAPSHOT_DATE | Snapshot Date | The last day of the month corresponding to the month in which the data is relevant. | 20140931 | Date (YYYYMMDD) | Integer |
| Non-CRE Commercial | Baseline | 1002 | JOIN_NUMBER | Join Number | CU Unique Join Number Assigned by NCUA. This number does not change over time. | 123 | Numeric (whole number) | Integer |
| Non-CRE Commercial | Baseline | 1003 | CONFORM_ASSET_CLASS | Conformed Asset Class | A classification applied to a group of instruments which have similar financial characteristics | 1 - Auto 2 - Credit Card 3 - Mortgage 4 - Home Equity 5 - Other Consumer Loan 6 - Student 7 - CRE 8 - Non-CRE Commercial |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Non-CRE Commercial | Baseline | 1004 | MEMBER_ID | Member ID | Tokenized unique member ID, not actual CU member ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| Non-CRE Commercial | Baseline | 1006 | LOAN_ID | Account Number | Tokenized unique account number, not actual CU loan ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| Non-CRE Commercial | General | 3003 | BORROWER_INFO_FLAG | Borrower and principal holder information used for underwriting | A flag to identify if information available for Borrower and principal: Certified/Audited operating statements, synopsis of principals' current real estate holdings, credit reports, records searches such as judgments and liens, etc. | N | Text (Y or N) | Char(1) |
| Non-CRE Commercial | General | 3005 | BUSINESS_ZIP_CODE | Operating business Zip Code | Operating business Zip Code | 01234-1234 | Text | varchar(10) |
| Non-CRE Commercial | General | 3011 | CONFORM_LOAN_SOURCE | Conformed Account Source / Channel | Specifies the source or channel where the account originated. | 1 - Originated In House 2 - Indirect Origination (Dealer, Broker, etc.) 3 - Purchase from traditional financial entity 4 - Purchase from fintech 5 - Syndication Purchase 6 - Participation 7 - M&A 8 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Non-CRE Commercial | General | 3013 | CONFORM_PARTICIPATION_AGENT | Conformed Participation Agent | The lead agent entity type during the participation loan underwriting | 1 - Bank 2 - Credit Union 3 - Fintech 4 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Non-CRE Commercial | General | 3014 | CONFORM_PRODUCT_TYPE | Conformed Product Type | The type of account or product according to a standard list of product types. | 1 - Loans to finance agricultural production and other loans to farmers 2 - Commercial and Industrial Loans 3 - Unsecured Commercial Loans 4 - Unsecured Revolving Lines of Credit for Commercial Purposes 5 - Business auto 6 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Non-CRE Commercial | General | 3015 | CONFORM_SERVICER | Conformed Servicer | The loan servicer is the entity that handles the billing and other services on the loan (e.g. collecting interest, principal and escrow payments from a borrower). | 1 - In House 2 - External |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Non-CRE Commercial | General | 3016 | CONFORM_UNDERWRITING_TYPE | Underwriting types | Identify the underwriting approach | 1 - Full Underwriting 2 - Pro Forma 3 - Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Non-CRE Commercial | General | 3018 | CREDIT_UNION_PRODUCT_TYPE | Credit Union Specific Product Type | The credit union product name. May be used to help differentiate between various tiers of standardized product types or non standard products. | Credit Union Specific depending upon presentation of type code or description | Text | varchar(60) |
| Non-CRE Commercial | General | 3024 | HELD_FOR_SALE_FLAG | Held for Sale Flag | Specify only when the loan has changed held for investment designation to held for sale | Y | Text (Y or N) | Char(1) |
| Non-CRE Commercial | General | 3034 | ORIG_CRED_LIMIT | Original credit limit | The original amount that represents the most a borrower can incur on a revolving loan, such as a credit card. This is for revolving lines of credit. If the loan is a closed-end loan, leave NULL. | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Non-CRE Commercial | General | 3035 | ORIG_CREDIT_GRADE | Original Internal Credit Grade | The original letter grade applied by the Credit Union to describe the borrower's credit health. | C | Text (A, B, C, D etc.) | Char(1) |
| Non-CRE Commercial | General | 3036 | ORIG_CREDIT_SCORE_MODEL | Credit Score Model at Loan Origination | The credit score model in use at loan origination. Must specify and in the order of : 1. the type of credit model at loan origination 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| Non-CRE Commercial | General | 3037 | ORIG_DSCR | DSCR at origination | The Debt Service Coverage Ratio (DSCR) is calculated by dividing the NOI by the required Debt Service payments. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Non-CRE Commercial | General | 3038 | ORIG_FICO | Original FICO Score | Borrower credit score at the origination. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Orig_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| Non-CRE Commercial | General | 3039 | ORIG_FINAN_INFO_DATE | Contribution Financials As Of Date | The date of the underwritten operating statements for the property. If available, use most recent ending financial date provided, else should equal transaction closing date. If multiple properties and all the same, print the date. If missing any, leave empty. | 20140931 | Date (YYYYMMDD) | Integer |
| Non-CRE Commercial | General | 3040 | ORIG_FINAN_INFO_FLAG | Financial information used for underwriting | A flag to identify if information available of financial information used for underwriting including: Certified/Audited operating statements, balance sheet, summary of delinquency and credit loss, summary of capital expenditures, property tax bills etc. | Y | Text (Y or N) | Char(1) |
| Non-CRE Commercial | General | 3041 | ORIG_NOI | NOI at origination | Net Operating Income (Annual) used for underwriting the loan | 100000 | Numeric (to two decimal places) | Decimal(19,2) |
| Non-CRE Commercial | General | 3043 | PARTICIPATION_RATIO | Percentage of total loan amount | CU Loan participation amount as the percentage of the total loan amount. Leave NULL if the loan is not a participation loan. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Non-CRE Commercial | General | 3047 | RECOURSE_FLAG | Recourse Flag | A flag indicating that the lender may seek financial damages if the borrower fails to pay the liability, and if the value of the underlying asset is not enough to cover it (a recourse loan allows the lender to go after the debtor's assets that were not used as loan collateral in case of default) | N | Text (Y or N) | Char(1) |
| Non-CRE Commercial | General | 3048 | SBA_GUARANTEE_FLAG | SBA Guarantee | A flag indicating whether a loan is guaranteed by SBA. Guaranteed = Y, Not Guaranteed = N. If unknown, leave NULL. | N | Text (Y or N) | Char(1) |
| Non-CRE Commercial | Dates / Term | 4001 | AMORT_TERM | Amortization Term in Months | Loan Amortization Term in Months | 120 | Numeric (whole number) | Integer |
| Non-CRE Commercial | Dates / Term | 4009 | CONFORM_INT_RATE_INDEX | Conformed interest rate Index | The name of the index from which the interest rate resets. If the loan is a fixed rate loan, please leave NULL. | 1 - PRIME 2 - LIBOR 3 - TREASURY 4 - 11TH COFI 5 - SOFR 6 - INTERNAL COST OF FUNDS 7 - OTHER INTERNAL PRICING MODEL 8 - CODI 9 - FHLB 10 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Non-CRE Commercial | Dates / Term | 4010 | CONFORM_INT_RATE_TYPE | Conformed Interest Rate Type | The type of interest rate associated with the loan (e.g. Fixed, Variable, etc.) | 1 - FIXED 2 - Variable 3 - Hybrid 4 - Step |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Non-CRE Commercial | Dates / Term | 4013 | CURR_FICO_DATE | Date of Current FICO Score | Date of updated FICO score | 20140931 | Date (YYYYMMDD) | Integer |
| Non-CRE Commercial | Dates / Term | 4014 | CURR_INT_RATE | Current interest Rate | The current period's interest rate in percentage | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Non-CRE Commercial | Dates / Term | 4015 | CURRENT_P&I_AMOUNT_OWED | Current P&I Amount Owed | For Auto/CC/EQ (HEIL)/Mort, thesis the current amount owed monthly on the loan based on Principal and Interest. For CC or HELOC, this is the minimum monthly payment due. For commercial loans, this is the monthly payment due in the loan agreement. This entry is for performing loans only and does not include past due amounts. | 123.44 | Numeric (to two decimal places) | Decimal(19,2) |
| Non-CRE Commercial | Dates / Term | 4016 | DATE_LINE_CLOSED | Date line of credit is closed | The date on which the line of credit was closed, if it is applicable | 20140931 | Date (YYYYMMDD) | Integer |
| Non-CRE Commercial | Dates / Term | 4018 | FIRST_PAY_DATE | First Payment Date | The date that the first payment of the account is/was due | 20140931 | Date (YYYYMMDD) | Integer |
| Non-CRE Commercial | Dates / Term | 4019 | FIRST_RATE_ADJ_DATE | First Rate Adjustment Date | The initial date in which the account's interest rate will adjust. | 20140931 | Date (YYYYMMDD) | Integer |
| Non-CRE Commercial | Dates / Term | 4022 | INT_GROSS_MARGIN | Gross Margin | The fixed rate added to an index value to determine the fully indexed interest rate | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Non-CRE Commercial | Dates / Term | 4026 | LAST_LIMIT_CHANGE_DATE | Date of last credit limit change | The date on which the credit limit was last changed | 20140931 | Date (YYYYMMDD) | Integer |
| Non-CRE Commercial | Dates / Term | 4029 | MATURITY_DATE | Maturity Date | The final payment date of a loan or other financial instrument, at which point the principal (and all remaining interest) is due to be paid | 20140931 | Date (YYYYMMDD) | Integer |
| Non-CRE Commercial | Dates / Term | 4031 | MOST_RECENT_FINAN_DATE | Most Recent Financial Statement As of End Date | Most recent financial statement as of snapshot date | 20140931 | Date (YYYYMMDD) | Integer |
| Non-CRE Commercial | Dates / Term | 4034 | ORIG_DATE | Origination Date | If loan or line of credit has been renewed, do not report the most recent renewal date. | 20140931 | Date (YYYYMMDD) | Integer |
| Non-CRE Commercial | Dates / Term | 4035 | ORIG_INT_RATE | Original Interest Rate | The loan's interest rate at the time of origination | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Non-CRE Commercial | Dates / Term | 4036 | ORIG_LOAN_TERM | Stated Original Term | Original period in months over which a loan agreement is in force, and before or at the end of which the loan should be repaid. For Balloon loans it is the amortization term. For open end line of credit, leave this as null | 240 | Numeric (whole number) | Integer |
| Non-CRE Commercial | Dates / Term | 4037 | PAID_THRU_DATE | Paid Through Date | Indicates the end term date of the last fully paid term | 20140931 | Date (YYYYMMDD) | Integer |
| Non-CRE Commercial | Dates / Term | 4044 | RATE_LIFE_CAP | Maximum Rate (Lifetime Cap) | The maximum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Non-CRE Commercial | Dates / Term | 4045 | RATE_LIFE_FLOOR | Minimum Rate (Lifetime Floor) | The minimum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Non-CRE Commercial | Dates / Term | 4062 | WATCHLIST_DATE | Date added to servicer watchlist | The most recent determination date that a loan was placed on the Servicer Watchlist. If a loan is not on the Servicer Watchlist or comes off the Servicer Watchlist, the field should be empty. If a loan subsequently comes back on the Servicer Watchlist, input the new determination date. | 20140931 | Date (YYYYMMDD) | Integer |
| Non-CRE Commercial | Collateral | 5006 | CONFORM_COLLATERAL_TYPE | Conformed Collateral Type | Specify the underlying collateral type | 1 - Real Estate/Land 2 - Other Physical Assets 3 - Financial Assets 4 - Intangible Assets/Royalty/Copyright 5 - Mix of above |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Non-CRE Commercial | Collateral | 5011 | CURR_LTV | Current loan to value | Current loan to value ratio | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Non-CRE Commercial | Collateral | 5018 | ORIG_LTV | Original loan to value | if Secured | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Non-CRE Commercial | Collateral | 5027 | SECURED_FLAG | Secured or Unsecured | A flag indicating whether a loan is secured with collateral. Secured = Y Unsecured = N. If unknown, leave NULL. | N | Text (Y or N) | Char(1) |
| Non-CRE Commercial | Balance | 6003 | CURR_BAL | Actual Balance | Outstanding actual balance of the loan as of the determination date. This figure represents the legal remaining outstanding principal balance related to the borrower’s loan note. | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Non-CRE Commercial | Balance | 6004 | CURR_CRED_LIMIT | Current Credit Limit | The current amount that represents the most a borrower can incur on a revolving loan. This is for revolving lines of credit. | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Non-CRE Commercial | Balance | 6012 | ORIG_BAL | Original Note Amount | Amount due and owing to satisfy the payoff of the underlying obligation, less interest or other charges at the start of the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Non-CRE Commercial | Performance | 7001 | ACCRUAL_STATUS_FLAG | Accrual Status Flag | A flag to identify if the loan accrues interest on the outstanding balance. | Y | Text (Y or N) | Char(1) |
| Non-CRE Commercial | Performance | 7002 | ACT_PNI_PAID | Actual P&I Amount Paid | The actual amount paid toward the principal (the amount borrowed) and the interest (what the lender charges for lending the money) in the current period | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Non-CRE Commercial | Performance | 7004 | BKRPT_FLAG | In Bankruptcy (Y/N) | A flag that indicates whether or not the borrower of the loan is bankrupt or has filed for bankruptcy. | N | Text (Y or N) | Char(1) |
| Non-CRE Commercial | Performance | 7005 | CHARGE_OFF_AMT | Monthly Charge Off Amount | The charge off amount incrementally taken in the current month against the loan | 123.45 | Numeric (to two decimal places) | Decimal(19,2) |
| Non-CRE Commercial | Performance | 7007 | CONFORM_CREDIT_LIMIT_CHANGE_ACTION | Conformed Action of last credit limit change | The action taken (increase, decrease or freeze) the last time the credit limit was changed. If there is no change, leave it blank | 1 - Increase 2 - Decrease 3 - Freeze |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Non-CRE Commercial | Performance | 7008 | CONFORM_CURR_LOAN_STATUS | Status of Loan | One of the standard values applied to describe the condition of the loan. Some status may not apply to all loan types. | 1. Active 2. Inactive 3. Paid-off 4. Frozen 5. Closed 6. Charged-off 7. Foreclosed 8. Repossession/REO 9. Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Non-CRE Commercial | Performance | 7009 | CONFORM_EXIT_TYPE | Liquidation/Prepayment Code | Indicates the type of loan exit. Report this status in the last month of the loan's history. Must be one of the numeric values in the example. If the loan is active, please leave NULL. |
1 - Paid-off 2 - Sale to Other Institution 3 - Sale into Securitization 4 - Rep/REO/Charged-off |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Non-CRE Commercial | Performance | 7010 | CONFORM_LOAN_CLASSIFICATION | Current loan classification | Standardized credit union internal risk grade | 1 - Pass 2 - Special Mention 3 - Substandard 4 - Doubtful 5 - Loss |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Non-CRE Commercial | Performance | 7011 | CONFORM_MOD_TYPE | Conformed Modification Type | Types of any short term loan workout plan and long term modification. Choose one of the conformed entries that best describes the action. 1 - Including payment pause or temporary lower payment, but borrower pays back later 2 - including payment reduction due to lower interest rate and/or term extension 3 - Including reduction of principal, accrued interest, and/or fees 4 - Including change from variable rate to fixed rate, and other loan type changes |
1 - Forbearance/Deferment/Extension 2 - Payment Reduction 3 - Principal Reduction 4 - Loan Type Change |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Non-CRE Commercial | Performance | 7016 | CURR_CREDIT_GRADE | Current Internal Credit Grade | The current grade applied by the Credit Union to describe the borrower's credit health. | B | Text (A, B, C, D etc.) | Char(1) |
| Non-CRE Commercial | Performance | 7017 | CURR_CREDIT_SCORE_MODEL | Current Credit Score Model | The credit score model in current reporting month. Must specify and in the order of : 1. the type of credit model in current use 2. model version 3. credit score range |
Example 1 - FICO 8 Range 300-850 Example 2 - FICO 8 Auto Range 250-900 Example 3 - FICO 8 Bankcard Range 250-900 Example 4 - Vantage 4.0 Range 300-850 Example 5 - Internal Model 5.2 Range 300-850 |
Text | varchar(60) |
| Non-CRE Commercial | Performance | 7018 | CURR_FICO | Current FICO Score | Borrower credit score in the current period. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Curr_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| Non-CRE Commercial | Performance | 7021 | DPD | Days Past Due | The number of days the loan payment is beyond its due date | 60 | Numeric (whole number) | Integer |
| Non-CRE Commercial | Performance | 7028 | MOD_FLAG | Modification Indicator | If the loan has been modified or subject to a forbearance, this field should have a Y, otherwise an N should be populated. | N | Text (Y or N) | Char(1) |
| Non-CRE Commercial | Performance | 7032 | MOST _RECENT_NOI | Most recent reported NOI | Net Operating Income (Annual) | 100000 | Numeric (to two decimal places) | Decimal(19,2) |
| Non-CRE Commercial | Performance | 7033 | MOST_RECENT_DSCR | Most recent reported DSCR | Debt Service Coverage Ratio | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Non-CRE Commercial | Performance | 7039 | TDR_FLAG | Trouble debt flag | A flag indicating whether a loan has undergone troubled debt restructuring (TDR) | N | Text (Y or N) | Char(1) |
| Non-CRE Commercial | Performance | 7040 | TDR_HIST_FLAG | TDR flag (previously classified as TDR) | An indicator that denotes if the loan has ever been classified as a TDR | N | Text (Y or N) | Char(1) |
| Type | Field Category | Field Number | Table Field Name V3 | Field Name | Description | V3 Example/Conformed Entry | Data Format | Max Field Length |
| Deposit | Baseline | 1001 | SNAPSHOT_DATE | Tape Cut-off date | The last day of the month corresponding to the month in which the data is relevant. (A quarterly report would contain 3 snapshot dates.) | 20140931 | Date (YYYYMMDD) | Integer |
| Deposit | Baseline | 1002 | JOIN_NUMBER | Join Number | CU Unique Join Number Assigned by NCUA. This number does not change over time. | 123 | Numeric (whole number) | Integer |
| Deposit | Baseline | 1004 | MEMBER_ID | Member ID | Tokenized unique member ID, not actual CU member ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| Deposit | Baseline | 1005 | ACCOUNT_ID | Account Number | Tokenized unique account number, not actual CU loan ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| Deposit | Member | 2006 | CUSTOMER_AGE | Customer Age | The age (in years) of the customer in years as of the account open date | 35 | Numeric in years | Integer |
| Deposit | Member | 2011 | NON_MEMBER_FLAG | Non Member Flag | Flag to indicate if the account belongs to a non member | Y | Text (Y or N) | Char(1) |
| Deposit | Member | 2012 | RELATION_HISTORY | Relationship History | Number of years of membership | 10 | Numeric (whole number) | Integer |
| Deposit | Member | 2013 | STATE | Customer Home Address State | Customer Home Address State | AL | Text | Char(2) |
| Deposit | Member | 2014 | ZIP | Member Zip Code | 10 digit zip code of the member | 01234-1234 | Text | varchar(10) |
| Deposit | General | 3001 | ACCOUNT_TYPE | Deposit Product Type | Specifies deposit types (Checking, Savings, CD, MM, etc.) | 1. Checking 2. Savings 3. Money Market 4. CD 5. IRA 6. Brokered CD 7. Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Deposit | General | 3002 | BILL_PAY_FLAG | Bill Pay or Online Banking Flag | Flag to indicate if the account is used for online bill payment or other online banking functions. | Y | Text (Y or N) | Char(1) |
| Deposit | General | 3004 | BUSINESS_ACCOUNT_FLAG | Member Business Account Flag | Flag to indicate if the account belongs to a business customer. | Y | Text (Y or N) | Char(1) |
| Deposit | General | 3007 | COLLATERAL_ACCT_FLAG | Collateral Account Flag | Flag to indicate if shares used as collateral | Y | Text (Y or N) | Char(1) |
| Deposit | General | 3018 | CREDIT_UNION_PRODUCT_TYPE | Credit Union Specific Product Type | The credit union product name. May be used to help differentiate between various tiers of standardized product types or non standard products. | Credit Union Specific depending upon presentation of type code or description | Text | varchar(60) |
| Deposit | General | 3020 | DIRECT_DEPOSIT_FLAG | Direct Deposit Flag | Flag to indicate if the account has funds directly deposited from payroll or other sources on a regular basis | Y | Text (Y or N) | Char(1) |
| Deposit | General | 3026 | JOINT_ACCT_FLAG | Joint Account Flag | Flag to indicate if this is a Joint Account | Y | Text (Y or N) | Char(1) |
| Deposit | General | 3028 | LENDING_RELATION_FLAG | Lending Relationship Flag | Flag to indicate if this customer has lending relationship within CU | Y | Text (Y or N) | Char(1) |
| Deposit | General | 3032 | MONTH_SERVICE_FEE_FLAG | Monthly Service Fee Flag | Flag to indicate if Service fee is charged when conditions not met | Y | Text (Y or N) | Char(1) |
| Deposit | General | 3042 | OVERDRAFT_FLAG | Overdraft Flag | Flag to indicate if the account provides overdraft protection (regardless the borrower opts in or not) | Y | Text (Y or N) | Char(1) |
| Deposit | General | 3044 | PRODUCT_TYPE | Overall Product Type | The type of account or product according to a standard list of product types defined across Credit Unions (Term or Non-maturity) | 1. Non-maturity 2. Term |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Deposit | General | 3050 | TRUST_ACCT_FLAG | Trust Account Flag | Flag to indicate if this is a trust account | Y | Text (Y or N) | Char(1) |
| Deposit | General | 3051 | TRUST_ACCT_TYPE | Trust Account Type | Specifies Trust account type (revocable or irrevocable) | 1. Revocable Trust 2. Irrevocable Trust |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Deposit | Dates / Term | 4003 | CD_AUTO_RENEW_FLAG | CD Automatic Renewal Flag | Flag to indicate if CD will be automatically reviewed at maturity | Y | Text (Y or N) | Char(1) |
| Deposit | Dates / Term | 4004 | CD_CALLABLE_FLAG | CD Callable Flag | Flag to indicate if CD has callable feature | Y | Text (Y or N) | Char(1) |
| Deposit | Dates / Term | 4005 | CD_DRAW_FLAG | CD Early Withdrawal Flag | Flag to indicate if the account is subject to a penalty if funds are withdrawn before a specified term. | Y | Text (Y or N) | Char(1) |
| Deposit | Dates / Term | 4006 | CD_DRAW_PENALTY | CD Early Withdrawal Penalty | Indicate the penalty incurred by the customer if funds are withdrawn before a specified term. | Minimum $25, 3 months interest | Text | varchar(60) |
| Deposit | Dates / Term | 4007 | CD_RENEW_DATE | CD Renewal Date | CD Last Renewal Date | 20140931 | Date (YYYYMMDD) | Integer |
| Deposit | Dates / Term | 4008 | CD_TERM | CD Term | Length of time required for deposits in months | 12 | Numeric in months | Integer |
| Deposit | Dates / Term | 4009 | CONFORM_INT_RATE_INDEX | Conformed interest rate Index | The name of the index from which the interest rate resets. If the loan is a fixed rate loan, please leave NULL. | 1 - PRIME 2 - LIBOR 3 - TREASURY 4 - 11TH COFI 5 - SOFR 6 - INTERNAL COST OF FUNDS 7 - OTHER INTERNAL PRICING MODEL 8 - CODI 9 - FHLB 10 - OTHER |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Deposit | Dates / Term | 4014 | CURR_INT_RATE | Current interest Rate | The current period's interest rate in percentage | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Deposit | Dates / Term | 4021 | INT_COMP_FREQ | Interest Compounding Frequency | How often interests compound, monthly, quarterly, etc. | 1. Daily 2. Weekly 3. Bi-weekly 4. Monthly 5. Semi-annually 6. Annually 7. Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Deposit | Dates / Term | 4022 | INT_GROSS_MARGIN | Gross Margin | The fixed rate added to an index value to determine the fully indexed interest rate | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Deposit | Dates / Term | 4023 | INT_TIER_FLAG | Tiered Rate Flag | Flag to indicate if interest rates are tiered based on balances | Y | Text (Y or N) | Char(1) |
| Deposit | Dates / Term | 4029 | MATURITY_DATE | Maturity Date | Maturity date of term deposit. For non-maturity deposit account, use null | 20140931 | Date (YYYYMMDD) | Integer |
| Deposit | Dates / Term | 4033 | NEXT_RATE_ADJ_DATE | Next Rate Adjustment Date | The next future date in which the account's interest rate will adjust. | 20140931 | Date (YYYYMMDD) | Integer |
| Deposit | Dates / Term | 4034 | ORIG_DATE | Origination Date | The actual date the account was initiated | 20140931 | Date (YYYYMMDD) | Integer |
| Deposit | Dates / Term | 4044 | RATE_LIFE_CAP | Maximum Rate (Lifetime Cap) | The maximum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Deposit | Dates / Term | 4045 | RATE_LIFE_FLOOR | Minimum Rate (Lifetime Floor) | The minimum interest rate to which the account may adjust. | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Deposit | Dates / Term | 4049 | STEP_UP_DATE | Step UP CD Date | The date when the share certificate product has a term that allows the customer to "step-up" or "bump-up" the interest rate. | 20140931 | Date (YYYYMMDD) | Integer |
| Deposit | Dates / Term | 4050 | STEP_UP_RATE | Step UP CD Rate | The rate index or rate step up rule | Prevailing 12M CD rate | Text | varchar(60) |
| Deposit | Dates / Term | 4052 | TIER_1_BAL | Tier 1 Balance | Minimum Account Balance Required for This Tier Rate | 100.00 | Numeric (to two decimal places) | Decimal(19,2) |
| Deposit | Dates / Term | 4053 | TIER_1_RATE | Tier 1 Rate | Interest Rate Paid for This Tier | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Deposit | Dates / Term | 4054 | TIER_2_BAL | Tier 2 Balance | Minimum Account Balance Required for This Tier Rate | 500.00 | Numeric (to two decimal places) | Decimal(19,2) |
| Deposit | Dates / Term | 4055 | TIER_2_RATE | Tier 2 Rate | Interest Rate Paid for This Tier | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Deposit | Dates / Term | 4056 | TIER_3_BAL | Tier 3 Balance | Minimum Account Balance Required for This Tier Rate | 1000.00 | Numeric (to two decimal places) | Decimal(19,2) |
| Deposit | Dates / Term | 4057 | TIER_3_RATE | Tier 3 Rate | Interest Rate Paid for This Tier | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Deposit | Dates / Term | 4058 | TIER_4_BAL | Tier 4 Balance | Minimum Account Balance Required for This Tier Rate | 1000.00 | Numeric (to two decimal places) | Decimal(19,2) |
| Deposit | Dates / Term | 4059 | TIER_4_RATE | Tier 4 Rate | Interest Rate Paid for This Tier | Use 12.3456 for 12.3456%, do not use %, do not enter 0.123456 | Numeric in Percentage (to four decimal places) | Decimal(8,4) |
| Deposit | Balance | 6003 | CURR_BAL | Current Account Balance | Current period resulting balance | 10000 | Numeric (to two decimal places) | Decimal(19,2) |
| Deposit | Balance | 6008 | MAX_BAL_REQ | Maximum Balance Requirement | The maximum balance allowed for this product | 10000 | Numeric (to two decimal places) | Decimal(19,2) |
| Deposit | Balance | 6009 | MIN_BAL_REQ_FEE_WAIVE | Minimum Balance Requirement Fee Waiver | The minimum balance required to waive monthly service fee | 100 | Numeric (to two decimal places) | Decimal(19,2) |
| Deposit | Balance | 6010 | MIN_BAL_REQ_OPEN | Minimum Account Open Balance Requirement | The minimum balance required to open account | 100 | Numeric (to two decimal places) | Decimal(19,2) |
| Deposit | Balance | 6011 | OPEN_BAL | Account Open Balance | Balance at Account Opening | 100 | Numeric (to two decimal places) | Decimal(19,2) |
| Deposit | Performance | 7018 | CURR_FICO | Current FICO Score | Borrower credit score in the current period. Credit union must specify the credit score model in use (FICO, Beacon, etc.) in the field of Curr_Credit_Score_Model. Credit union must convert credit scores that do not conform to FICO scoring to the FICO equivalent. Acceptable value range is 300 - 850. | 740 | Numeric (whole number) | Integer |
| Deposit | Performance | 7019 | CURR_STATUS | Current Status | One of four standard values to best describe the condition of the account. Inactive is defined as no depositor initiated activities for 3 months or more, excluding interest or fees | 1. Active 2. Inactive 3. Closed 4. Frozen 5. Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Deposit | Performance | 7025 | LAST_ACT_CODE | Last Activity Code | The most recent depositor initiated activity on the account (Deposit, Withdrawal, Transfer In, Transfer Out) | 1. Deposit 2. Withdrawal 3. Transfer In 4. Transfer Out 5. Interest Earned 6. New Account 7. Dormant/Inactive 8. Other |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Deposit | Performance | 7026 | LAST_ACT_DATE | Last Activity Date | Date of the most recent depositor initiated activity. | 20140931 | Date (YYYYMMDD) | Integer |
| Deposit | Performance | 7029 | MONTHLY_CHECK_CLEAR | Monthly Checks Cleared | Number of Checks Cleared in the Month | 8 | Numeric (whole number) | Integer |
| Deposit | Performance | 7030 | MONTHLY_DEBIT_CARD_USAGE | Monthly Debit Card Transaction | Number of Debit Card Transactions in the Month | 20 | Numeric (whole number) | Integer |
| Deposit | Performance | 7031 | MONTHLY_TRANSACTION_COUNT | Monthly Total Transaction Count | Number of Total Transactions in the month, including all depositor initiated transactions and excluding interest paid or fees charged | 10 | Numeric (whole number) | Integer |
| Deposit | Performance | 7036 | OVERDRAFT_FREQ | Overdraft Frequency | The number of overdraft occurrence during the current month | 100 | Numeric (whole number) | Integer |
| Deposit | Performance | 7038 | SHARE_AMOUNT_FROZEN | Share Amount Frozen | Dollar amount of the account the customer cannot access | 100 | Numeric (to two decimal places) | Decimal(19,2) |
| Deposit | Performance | 7041 | TOTAL_DEBIT_AMOUNT | Total Debit Amount | The total debit dollar amount in this account in current month, including all debit types (checks, ACH, etc.), but do not include fees charged by credit union | 100 | Numeric (to two decimal places) | Decimal(19,2) |
| Deposit | Performance | 7042 | TOTAL_DEPOSIT_AMOUNT | Total Deposit Amount | The total deposit dollar amount for this account in current month, including all deposits types (checks, ACH, etc.), but do not include interest | 100 | Numeric (to two decimal places) | Decimal(19,2) |
| Deposit | Performance | 7043 | TOTAL_FEE_AMOUNT | Total Fee Amount | The total fees (overdraft, cash deposit, etc.) that CU charges in this account current month | 100 | Numeric (to two decimal places) | Decimal(19,2) |
| Type | Field Category | Field Number | Table Field Name V3 | Field Name | Description | V3 Example/Conformed Entry | Data Format | Max Field Length |
| Member | Baseline | 1001 | SNAPSHOT_DATE | Snapshot Date | The last day of the month corresponding to the month in which the data is relevant. | 20140931 | Date (YYYYMMDD) | Integer |
| Member | Baseline | 1002 | JOIN_NUMBER | Join Number | CU Unique Join Number Assigned by NCUA. This number does not change over time. | 123 | Numeric (whole number) | Integer |
| Member | Baseline | 1004 | MEMBER_ID | Member ID | Tokenized unique member ID, not actual CU member ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| Member | Member | 2007 | MEMBER_AGE | Member Age | The age at which the membership started. | 35 | Numeric (whole number) | Integer |
| Member | Member | 2009 | MEMBER_START_DATE | Membership Start Date | The date when the membership started | 20140931 | Date (YYYYMMDD) | Integer |
| Member | Member | 2010 | MEMBER_ZIP_CODE | Member Zip Code | 10 digit zip code of the member | 01234-1234 | Text | varchar(10) |
| Member | Member | 2020 | ACTIVE_MEMBER_FLAG | Active Member Flag | Flag that indicates if the customer is an active member during any part of the reporting period. A "N" response indicates nonmember customers. | Y | Text (Y or N) | Char(1) |
| Type | Field Category | Field Number | Table Field Name V3 | Field Name | Description | V3 Example/Conformed Entry | Data Format | Max Field Length |
| Loss | Baseline | 1001 | SNAPSHOT_DATE | Snapshot Date | The last day of the month corresponding to the month in which the data is relevant. (A quarterly report would contain 3 snapshot dates.) | 20130531 | Date (YYYYMMDD) | Integer |
| Loss | Baseline | 1002 | JOIN_NUMBER | Join Number | CU Unique Join Number Assigned by NCUA. This number does not change over time. | 123 | Numeric (whole number) | Integer |
| Loss | Baseline | 1003 | CONFORM_ASSET_CLASS | Asset Class | A classification applied to a group of instruments which have similar financial characteristics. | 1 - Auto 2 - Credit Card 3 - Mortgage 4 - Home Equity 5 - Other Consumer Loan 6 - Student 7 - CRE 8 - Non-CRE Commercial |
Numeric - Must be one of the whole number in the conformed entries | Integer |
| Loss | Baseline | 1004 | MEMBER_ID | Member ID | Tokenized unique member ID, not actual CU member ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| Loss | Baseline | 1006 | LOAN_ID | Account Number | Tokenized unique account number, not actual CU loan ID. Remain the same across reporting periods | ABC123456 | Text | varchar(150) |
| Loss | Dates / Term | 4028 | LIQ_DATE | Liquidation Date | Date on which the collateral was liquidated | 20150331 | Date (YYYYMMDD) | Integer |
| Loss | Balance | 6001 | BALANCE_AT_DEFAULT | Balance at Default | Unpaid loan balance at time of default | 10000 | Numeric (to two decimal places) | Decimal(19,2) |
| Loss | Performance | 7006 | CLOSE_BOOK_FLAG | Close Book Flag | A flag to identify that CU expects no further charge-off or recovery. | Y | Text (Y or N) | Char(1) |
| Loss | Performance | 7014 | CUMUL_CHARGE_OFF_AMT | Cumulative Charge off Amount | The cumulative amount recognized as loss prior to recovery. | 50000 | Numeric (to two decimal places) | Decimal(19,2) |
| Loss | Performance | 7015 | CUMUL_COLLECTION_CHARGE | Cumulative Collection Charge | Cumulative Collection Related Charge as of reporting month | 10000 | Numeric (to two decimal places) | Decimal(19,2) |
| Loss | Performance | 7037 | CUMUL_RECOVERY_AMT | Cumulative Recovery Amount | Cumulative amount of balance recovered (cured) for loan as of reporting month; applies only to charged-off loans, less any expenses | 10000 | Numeric (to two decimal places) | Decimal(19,2) |
| Loss | Performance | 7080 | DEFAULT_DATE | Default Date | The date when the loan defaults, is charged-off, or becomes repossessed/REO | 20150331 | Date (YYYYMMDD) | Integer |
| File Type | application/vnd.openxmlformats-officedocument.spreadsheetml.sheet |
| File Modified | 0000-00-00 |
| File Created | 0000-00-00 |