Portfolio Performance - MX Documentation

The Portfolio Performance category is an overview of portfolio trends across account types, primacy scores across customer bases, and financial health insight on your customers.

Portfolio trends

This dashboard captures data for multiple account types including checking, savings, mortgage and home equity line of credit (HELOC), and personal loan. Checking Checking charts describe trends across your users’ checking account data.

Chart	Description
Checking account balances	The monthly sum of the 30-day, average balance in each internally held account. The chart displays the past 6 months.
Checking users	The total number of users per month who hold internal accounts.
Median checking account balances	The monthly median of the 30-day, average balance in each internally held account. The chart displays the past 6 months.

Savings Savings charts describe trends across your users’ savings account data.

Chart	Description
Savings account balances	The monthly sum of the 30-day, average balance in each internally held account. The chart displays the past 6 months.
Savings users	The total number of users per month who hold internal accounts.
Median Savings account balances	The monthly median of the 30-day, average balance in each internally held account. The chart displays the past 6 months.

Mortgage This dashboard describes trends across your users’ mortgage, HELOC, and home equity loans. Each bar chart is also categorized by HELOC, Home Equity, and Mortgage. Hover over each category to highlight it.

Chart	Description
Mortgage & HELOC account balances	The monthly sum of the 30-day, average balance in each internally held account. The chart displays the past 6 months.
Mortgage & HELOC users	The total number of users per month who hold internal accounts.
Median Mortgage & HELOC account balances	The monthly median of the 30-day, average balance in each internally held account. The chart displays the past 6 months.

Personal Loan This dashboard describes trends across your users’ personal loans. Select Personal Loan in the Account type section to display charts only for mortgage and loan data. Each bar chart is also categorized by Auto, Boat, Line of Credit, Loan, Personal, Personal with Collateral, Powersports, RV, and Small Business. Hover over each category to highlight it.

Chart	Description
Personal loan account balances	The monthly sum of the 30-day, average balance in each internally held account. The chart displays the past 6 months.
Personal loan users	The total number of users per month who hold internal accounts.
Personal loan account balances	The monthly median of the 30-day, average balance in each internally held account. The chart displays the past 6 months.

Primacy

This dashboard provides insight on how consumers are engaged with your products and services. Use the primacy score to make determinations on the value you are providing your clients and determine the need to cross-sell products. As mentioned on the page, the primacy score calculation is based on 1 point each for the following:

Has checking product
Has savings product
Has direct deposit
Has logged in the last 30 days
Has a mortgage or HELOC product
Has used Zelle in the last 30 days
Has 16 or more debit card transaction in the last 30 days

Data	Description
Total enrolled users	The total number of users that enrolled in any of your products or services. These are users that have at least one internal account.
Enrolled users by primacy score	The percent of enrolled users displayed by primacy score.
Primacy score per user	The average primacy score per user based on the total enrolled.
Average primacy score trend	The number of enrolled users for each primacy score.
Median deposits held by primacy score	The median balance in internal deposit (checking and savings) accounts for each Primacy Score.
Most common account type bundles	The number of enrolled users displayed by product bundle.
Export List	An exportable list of user data including the Primacy Score for each user and some supporting details.

Financial Health

This dashboard provides information to help you understand the financial health of your customers. The charts and graphs in this dashboard are interconnected. If you hover over a specific month, that month will be highlighted on all other graphs to help you identify trends in your data.

Data	Description
Vulnerable users	The number of users that have a financial health score under 25.
Building users	The number of users that have a financial health score at or exceeding 25, but under 50.
Stable users	The number of users that have a financial health score at or exceeding 50, but under 75.
Strong users	The number of users that have a financial health score at or exceeding 75.
User financial health	The number of Vulnerable Users, Building Users, Stable Users, and Strong Users by month for the past year.
Users by their spend income ratio	The number of users in each spending range. The ranges include, greater than 90%, 75% – 95%, and Less than 75%. The chart displays data by each month in the past year.
Users by their debt to income ratio	The number of users in each debt-to-income range. The ranges include Greater than 46%, 31%-46%, 16% – 30%, and Less than 16%. The chart displays data by each month in the past year.
Users by their late and overdraft fees	The number of users in each late or overdraft fees category. The categories are 0 and 1 or more. The chart displays data by each month in the past year.
Users by their total savings balance	The number of users in each savings strength categories. Strong Savings are savings accounts with over $1,000. Weak Savings are savings accounts with under $1,000. The chart displays data by each month in the past year.
Users by their emergency savings resiliency	The number of users in each emergency savings category. The ranges include Less than 1 month, Greater than 3 months, and 1 to 3 months. The chart displays data by each month in the past year.

Account Churn

This dashboard provides insights that can help you catch possible decreases in checking and savings activity within your financial products.

Checking

This dashboard includes two sections: Beginning snapshot 12 months ago and Evolution of checking accounts that were active 12 months ago. Beginning snapshot 12 months ago The section groups together the data from 12 months ago and may be used as a baseline when evaluating trends.

Data	Description
Open checking accounts	The number of open checking accounts as of 12 months ago.
Active checking accounts	The number of active checking accounts as of 12 months ago. Active accounts either have a daily average balance of greater than $50 for the month or have had at least one user-initiated transaction in the last 3 months.
Active checking accounts (Percentage)	The percentage of active checking accounts as of 12 months ago of all open checking accounts. Active accounts either have a daily average balance of greater than $50 for the month or have had at least one user-initiated transaction in the last 3 months.
Users with open checking accounts	The number of users with an open checking account as of 12 months ago.
Users with active checking accounts	The number of distinct users who had an active checking account as of 12 months ago.
Users with active checking accounts (Percentage)	The percentage of users with open checking accounts whose accounts are active as of 12 months ago.

Evolution of checking accounts that were active 12 months ago This section groups together checking account data fields to represent data from 12 months ago. This data can be used as a baseline when evaluating trends.

Data	Description
Active checking accounts (at beginning)	The number of active accounts as of 12 months ago. This is the same number as Active Checking accounts. Active accounts either have a daily average balance of greater than $50 for the month or have had at least one user-initiated transaction in the last 3 months.
Current account status	The current status of accounts that were active 12 months ago. Options are either active or lost.
Runoff accounts	A visual breakdown of the runoff accounts by whether they are closed or inactive. Inactive accounts have a daily average balance of less than $50 over the month and no user-initiated transactions over the past 3 months.
Runoff accounts	Accounts that were active 12 months ago that are now either closed or inactive. Inactive accounts have a daily average balance less than $50 over the month and no user-initiated transactions over the past 3 months.
Annualized attrition rate	The percent of active checking accounts from 12 months ago that are closed or inactive currently.
Attrition trend	The monthly trend of account attrition through either closure or account inactivity.
Runoff trend by account age at beginning of period	The number of accounts lost to attrition each month. Displayed by the age of the account as of 12 months ago.
Runoff accounts by product	The number of accounts that have run off by product, either closed or inactive.
Export list	Use this to export the list of accounts that have become inactive or closed in the past 12 months.

Savings

INFOThis product and its documentation are under active beta development; details and functionality may change at any time.

This dashboard provides insights that can help you catch possible decreases in savings activity within your financial products. This dashboard includes two sections: Beginning snapshot 12 months ago and Evolution of checking accounts that were active 12 months ago. Beginning snapshot 12 months ago The section groups together the data from 12 months ago. The following table describes each data field available in the dashboard. This data can be used as a baseline when evaluating trends.

Data	Description
Open savings accounts	The number of open savings accounts as of 12 months ago.
Active savings accounts	The number of active savings accounts as of 12 months ago. Active accounts either have a daily average balance of greater than $50 for the month or have had at least one user-initiated transaction in the last 3 months.
Active savings accounts (Percentage)	The percentage of active savings accounts as of 12 months ago of all open savings accounts. Active accounts either have a daily average balance of greater than $50 for the month or have had at least one user-initiated transaction in the last 3 months.
Users with open savings accounts	The number of users with an open savings account as of 12 months ago.
Users with active savings accounts	The number of distinct users who had an active savings account as of 12 months ago.
Users with active savings accounts (Percentage)	The percentage of users with open savings accounts whose accounts are active as of 12 months ago.
Savings account by product	A table that displays the number of open savings account organized by financial product.

Evolution of savings accounts that were active 12 months ago This section groups together savings account data fields to represent data from 12 months ago. This data can be used as a baseline when evaluating trends.

Data	Description
Active savings accounts (at beginning)	The number of active accounts as of 12 months ago. This is the same number as Active savings accounts. Active accounts either have a daily average balance of greater than $50 for the month or have had at least one user-initiated transaction in the last 3 months.
Current account status	The current status of accounts that were active 12 months ago. Options are either active or lost.
Runoff accounts	A visual breakdown of the runoff accounts by whether they are closed or inactive. Inactive accounts have a daily average balance of less than $50 over the month and no user-initiated transactions over the past 3 months.
Runoff accounts	Accounts that were active 12 months ago that are now either closed or inactive. Inactive accounts have a daily average balance less than $50 over the month and no user-initiated transactions over the past 3 months.
Annualized attrition rate	The percent of active savings accounts from 12 months ago that are closed or inactive currently.
Attrition trend	The monthly trend of account attrition through either closure or account inactivity.
Runoff trend by account age at beginning of period	The number of accounts lost to attrition each month. Displayed by the age of the account as of 12 months ago.
Runoff accounts by product	The number of accounts that have run off by product, either closed or inactive.
Export list	Use this to export the list of accounts that have become inactive or closed in the past 12 months.

​Portfolio trends

​Primacy

​Financial Health

​Account Churn

​Checking

​Savings

Portfolio trends

Primacy

Financial Health

Account Churn

Checking

Savings