1. Loan Delinquency Rate
2. Loan Default Rate
3. Loan Charge-off Rate
4. Non-performing Loan (NPL) Ratio
5. Recovery Rate on Charged-off Loans
6. Net Interest Margin (NIM)
7. Average Loan Size
8. Average Loan Term
9. Average Interest Rate on Loans
10. Average FICO Score of Borrowers
11. Debt-to-Income (DTI) Ratio of Borrowers
12. Loan Origination Volume
13. Loan Application Approval Rate
14. Loan Application Rejection Rate
15. Loan Approval Turnaround Time
16. Loan Disbursement Turnaround Time
17. Loan-to-Value (LTV) Ratio
18. Debt Service Coverage Ratio (DSCR)
19. Early Repayment Rate
20. Prepayment Penalty Rate
21. Collection Efficiency Ratio
22. Recovery Efficiency Ratio
23. Collection Costs as a Percentage of Outstanding Debt
24. Recovery Costs as a Percentage of Recovered Debt
25. Recovery Rate of Repossessed Collateral
26. Customer Retention Rate
27. Customer Churn Rate
28. Customer Lifetime Value (CLV)
29. Net Promoter Score (NPS)
30. Customer Complaint Resolution Time
31. Customer Complaint Rate
32. Customer Engagement Rate
33. Customer Satisfaction Rate
34. Cost of Customer Acquisition
35. Cost of Loan Servicing
36. Cost of Loan Origination
37. Cost of Collections
38. Cost of Recoveries
39. Cost of Compliance
40. Cost of Credit Reporting
41. Net Operating Income (NOI)
42. Return on Assets (ROA)
43. Return on Equity (ROE)
44. Return on Investment (ROI)
45. Net Income Margin
46. Gross Profit Margin
47. Bad Debt Expense as a Percentage of Total Revenue
48. Provision for Loan Losses as a Percentage of Total Revenue
49. Capital Adequacy Ratio
50. Efficiency Ratio
51. Operating Expense Ratio
52. Return on Average Assets (ROAA)
53. Return on Average Equity (ROAE)
54. Loan Portfolio Diversification Ratio
55. Average Age of Loan Portfolio
56. Vintage Analysis by Loan Cohorts
57. Geographic Concentration of Loans
58. Industry Concentration of Loans
59. Loan Performance by Credit Tier
60. Loan Performance by Loan Purpose
61. Loan Performance by Loan Product
62. Loan Performance by Loan Term
63. Loan Performance by Loan Vintage
64. Loan Performance by Seasonality
65. Loss Severity Rate
66. Recovery Lag Time
67. Net Promoter Score of Collections Process
68. Customer Effort Score of Collections Process
69. Loan Origination Cost per Loan
70. Cost of Capital for Funding Loans

By closely monitoring these critical KPIs, subprime lenders can gain valuable insights into their loan portfolio’s health, identify areas of improvement, and implement strategies to maximize performance while reducing risks and defaults, ultimately leading to higher ROI on their balance sheet capital.