Prama Benchmarking

Competitive Insights for Your Industry and Peers

Grow your business with credit market insights

Compare Your Portfolio Performance

Monitor the health of your loan, lease or card portfolio against the industry, or by geography or defined competitive set.

Improve Your Risk Underwriting Strategy

Understand originations by risk tier, compare your average loan amount financed by risk and price and determine if your pricing strategy is aligned to the market.

Uncover Opportunities to Expand Your Business

Grow your portfolio by leveraging competitive insight into regional market share, originations in specific risk tiers and account distribution by product line.

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Harness Actionable Competitive Insight

Data for all Credit Active Consumers

On-demand access to TransUnion’s depersonalized national credit data file with 60 months of account history updated monthly. Key performance metrics, including:

Number of accounts
Average and total balances
Total spend
Average amount financed
Inactive-to-active rate
Average Estimated APR%

On-us/Off-us Comparison

Directly compare your portfolio to your peer group or the industry. Filters and interactive maps enable dynamic drill-down to valuable insight, including:

Credit tier
Account type and status
Peer group
Consumer age
Credit limit
Origination Credit Tier

MSA-level geographic analysis

Analyze your competitive position against the industry for all 350+ Metropolitan Statistical Areas (MSA) using five key dashboards:

Portfolio characteristics
Delinquency metrics
60-month trends
Roll rate
Score migration

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Competitive Insights for Your Industry and Peers