Credit risk data reports

Credit risk data reports intro

As a Cross River credit BIN sponsorship partner, we need you to send us a monthly summary of specific credit risk metrics that are not visible to us. To make things easy, we’ve got a common data exchange format (.csv - comma-separated values) for you to use. This page will walk you through the metrics you need to share with us, the data exchange format, and how to send the file our way.

Before you begin

Ensure you’ve submitted the complete IP Access Request for CRB SFTP Services form. Get this form from your Cross River Implementation or Relationship Manager. When Cross River gets your completed form, we begin the process of setting up your SFTP access. Learn more about SFTP setup.

Once you are set up for SFTP, ensure you have a /ClientCredit subfolder in your Cross River SFTP folder. This is where you’ll put your csv file. Cross River provides you with the full path when you get your access credentials. Contact your Relationship Manager with any questions.

File structure

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

Use this file naming convention: CreditRiskMetrics_PartnerAbbreviation_datetimestamp.csv Use a 3- to 6-character string for the PartnerAbbreviation that clearly refers your organization, and that Cross River will understand.

File names should be unique. Use the date time stamp from when the file is created. This does not need to match the date of the records within the file.

Format the datetimestamp as yyyymmddhhmm. If the date and time stamp is automated, the format can include seconds.

For file renaming, update the datetimestamp or append 'Update' or ' V2' after the datetimestamp to avoid duplicate names of previous files sent.

Use this file format/delimiter: .csv (comma-separated values)

File header: Use these and only these column names in your file: COSPartnerID, MetricMonth, MetricAbbrev, MetricValue, SubPartnerID

File footer: Do not include a footer.

Build the file:

Each row/record in the .CSV represents a single monthly credit risk metric value. Each record you send must include entries each of these 4 columns: COSPartnerID, MetricMonth, MetricAbbrev, MetricValue, and SubPartnerID. The table below explains the expected column records in further detail.

Note: The only optional field is SubPartnerIDas this might not apply to your program.

No specific order is required for the metric records submitted.

If, on a row, the MetricMonth, MetricAbbrev, MetricValue, and SubPartnerIDis not unique within the file, the first MetricValuelisted in the file will persist as the metric of record.

Required metrics

The required metrics for Cross River BIN sponsor card programs may vary depending on your specific program. Include only the applicable metrics in your file submission and omit any that are not required. If you have questions about which metrics apply, please contact your relationship manager.

Sequence/ Position	Column	Description	Format
1	COSPartnerID	Your Cross River partner ID supplied to you by us. This ID acts as a unique identifier for your program	GUID (36 characters)
2	MetricMonth	The month the credit risk metric record is for. This value must be entered as the last day of the month the report covers. Failing to use the last day of the month might require a resubmission.	YYYY-MM-DD (last day of the month)
4	MetricValue	The actual credit risk metric supplied as a number (either a count of a metric or a dollar ($) amount)	Must be a number
5	SubPartnerID(optional)	Identifier for partners who aggregate mulitple programs under them. Program-specific.	String

Metric abbreviation catalog

Metric	Abbreviation	Description	Metric Type ($ amount or Count)	Calculation Method
Total apps received	TAR	Number of completed applications (number of Pending, Declined, and approved together should equal the number of Total Apps received)	Count	Monthly total
Total apps pending	TAP	Number of completed applications that are pending	Count	Monthly total
Total apps incomplete	TAI	Number of incomplete applications	Count	Monthly total
Total apps declined	TAD	Number of declined applications	Count	Monthly total
Total approvals	TAA	Number of approved applications	Count	Monthly total
Total subprime approvals (if applicable to your program)	TSA	Number of subprime approvals (Less than 660 FICO or equivalent).	Count	Monthly total
Total application declines overridden/exceptions	TADO	Number of applications initially declined and later judgmentally reviewed and approved (Bank may request for exception/overridden reason).	Count	Monthly total
Average Limit Assigned	ALA	Average of all customers' credit limit amounts at end-of-month	$ amount	Monthly total
$ Total Credit Limit/Exposure	TCL	Total of all credit limit amounts at end-of-month	$ amount	Monthly total
$ Highest Credit Limit	HCL	Highest credit limit amount at end-of-month	$ amount	Monthly total
$ Month End Balance (total outstanding/account receivables)	MEB	Total balance at end-of-month	$ amount	Monthly total
$ First Pay Default	FPD	Sum of past-due balances from cardholders who failed to make their first payment on or before their scheduled due date and continues to miss that payment (straight roller).	$ amount	Cumulative rolling outstanding value
$ Balances 30 DPD	B3DPD	Sum of balances 30+ days past due	$ amount	Monthly total
$ Balances 60 DPD	B6DPD	Sum of balances 60+ days past due	$ amount	Monthly total
$ Balances 90 DPD	B9DPD	Sum of balances 90+ days past due	$ amount	Monthly total
$ Balances Charged Off	BCO	Sum of charged-off balances	$ amount	Monthly total
$ Fraud Losses	TFL	Sum of fraud losses	$ amount	Monthly total
# of total Cardholders	NTC	Number of cardholders regardless of status	Count	Monthly total
Number of open cards	NOC	Number of open cards (exclude lost or stolen, fraud, closed, or charged off cards)	Count	Monthly total
Number of cards issued	NCI	Number of cards issued (both reissued and new cardholders)	Count	Monthly total
Number of Auth Prohibited Cards	NAPC	Number of cards with status Authorization Prohibited	Count	Monthly total
# First Pay Default	NFPD	Number of cardholders who failed to make their first payment on or before their scheduled due date and continues to miss that payment (straight roller)	Count	Cumulative rolling outstanding value
# Cardholders 30 DPD	C3DPD	Number of cardholders 30+ days past due	Count	Monthly total
# Cardholders 60 DPD	C6DPD	Number of cardholders 60+ days past due	Count	Monthly total
# Cardholders 90 DPD	C9DPD	Number of cardholders 90+ days past due	Count	Monthly total
# Cardholders Charged Off	CCO	Number of cardholder charge-offs	Count	Monthly total
# of Reages	NOR	Number of re-ages (If your program practices re-aging, supply the number of re-aged accounts completed)	Count	Monthly total
# of Hardship/Forbearance Enrollments	NOH	Number of hardship/forbearance enrollments	Count	Monthly total
# Overlimit Cardholders	NOCL	Number of accounts over assigned credit limit	Count	Monthly total
$ All Balances Overlimit	BOCL	Sum of balances over assigned credit limit	$ amount	Monthly total
Requested Credit Limit Increases Approved	CLIA	Total approved credit limit requests by cardholders	Count	Monthly total
Voluntary Credit Limit Decreases Approved	CLDA	Total approved credit limit decrease requests by cardholder	Count	Monthly total
Requested Credit Limit Increases Declined	CLID	Number of declined credit limit requests by cardholder	Count	Monthly total
Involuntary Credit Limit Decreases	CLDD	Number of declined credit limits conducted by Program Manager	Count	Monthly total
Proactive credit line increase Approved	PCLIA	Number of approved credit limits initiated by Program Manager	Count	Monthly total
# Primary Account Cardholder Closures	NACL	Number of primary account cardholder closure requests by cardholder	Count	Monthly total
# Involuntary Account Closure	NICL	Accounts involuntarily closed due to bad behavior/adverse action	Count	Monthly total
# Total Inactive Accounts	TIA	Accounts without a balance in current and prior cycle	Count	Monthly total
# Pricing Changes (increases/decreases)	NPC	Number of pricing changes made to an account(s)	Count	Monthly total
# Total Monthly Refunds	NMR	Number of monthly refunds	Count	Monthly total
$ Total Monthly Refunds	TMR	Sum of monthly refunds	$ amount	Monthly total
# Total Monthly Sales	NMS	Number of monthly purchase transactions	Count	Monthly total
$ Total Monthly Sales	TMS	Sum of monthly purchase transactions	$ amount	Monthly total
$ Total Cardholder payments in Month	TCP	Sum of all monthly payments	$ amount	Monthly total
$ Interchange Income	TII	Sum of interchange income	$ amount	Monthly total
$ Fee Income	TFI	Sum of fee income (if applicable to program)	$ amount	Monthly total
$ Interest Income	TIIN	Sum of monthly interest	$ amount	Monthly total
Number of cardholder sent to external collection Agency	COLL	Number of accounts reported to an external collection agency	Count	Monthly total
Funding Direct Utilized (= on Program Manager Balance Sheet)*	FDU	Sum of receivables on your program’s balance sheet	$ amount	Monthly total
Funding Partner Utilized (= on Funding Partner’s Balance Sheet)*	FPU	Sum of receivables on any third-party balance sheet	$ amount	Monthly total
Total Partner(s) Funding Utilized $	TPFU	Sum utilized for all card receivables on a third-party balance sheet	$ amount	Monthly total
Funding Partner available $	FPA	Total presently available on a third-party balance sheet for card receivables	$ amount	Monthly total
$ Recoveries	TAMR	Amount recovered from charged-off/write-off	$ amount	Monthly total
# Disputes	TND	Number of disputed transactions	Count	Monthly total
$ Disputes	TAMD	Total balance from disputed transactions	$ amount	Monthly total
# Chargeback	TNC	Number of chargeback transactions	Count	Monthly total
$ Chargeback	TAMC	Total balance from chargeback transactions	$ amount	Monthly total

Sample files

Partner ABCD, Inc. (No Sub-Partners)

The sample below presents the monthly credit risk metric report from a fictitious Cross River partner, ABCD, Inc, partner ID 7632bce6-5602-4e2b-b7e1-78b6017dc4b2, for the month of January 2025.

File Name: CreditRiskMetrics_ABCD_202503101750

File Format: .csv

File name includes partner abbreviation ABCD to identify which partner the files belongs to.

Date time stamp 202503101750 refers to the time the file was generated, in this case, March 10th at 17:50, irrespective of the date of the data included (January 2025).

This partner has no need to report Sub-Partner data, therefore that optional column is not included.

Partner WXYZ, Inc. (Reporting data with Sub-Partners)

The sample below presents the monthly credit risk metric report from a fictitious Cross River partner, WXYZ, Inc. partner ID 65faef45-5602-4e2b-b7e1-ae75017dc4b2, for the month of January 2025. WXYZ, Inc. has two unique sub-partners to report data for: SubP01 and SubP02

File Name: CreditRiskMetrics_WXYZ_202503101750

File Format: .csv

File name includes partner abbreviation WXYZ to identify which partner the files belongs to.

Date time stamp 202503101750 refers to the time the file was generated, in this case, March 10th at 17:50, irrespective of the date of the data included (January 2025).

This partner needs to report Sub-Partner data, so they must include the SubPartnerID for each record.

The SubPartnerID is a text string. The value used must be unique and consistent.

Duplicate value handling

If a new metric file is submitted for a reporting month that has already been received for that month, Cross River will rely on the most recently provided version.

Share the .csv file monthly.

Upload the file using SFTP to your /ClientCredit subfolder in the SFTP site assigned to you.

If you do not yet have an SFTP folder with Cross River, contact your Cross River, refer to the Before you begin section of this page.

Troubleshooting

Issue	Resolution
You don't know your Partner ID	Request your Partner ID form your
You are notified by Cross River that there's a problem with the .csv file	If your .csv file has problems, Cross River will let you know what they are and how to fix them.

In general, before sending, check these values for validity:

Filename is formatted correctly

For each record:

COSPartnerID is correct

MetricMonth (Month end date) is correct and in the correct format

MetricAbbreviation is a valid one from provided list

MetricValue is expressed as a number

SubPartnerID, when applicable, contains a header and value expressed as strings

Credit risk data reports