CCM Mapping Credit Scores To Default Probabilities
Think about commercial credit risk from a macro perspective. Our Credit Table enables you to visualize risk by industry sector, and company size. As a risk manager, that's where you want to start. When you see the variances between industry sectors and you see the magnitude of risk associated with smaller businesses, you can then drill down for more detailed decisioning data within our CCM.
The data points provided by our Credit Table:
- Commercial Credit Score - expressed as a numerical value, ranging from 1 to 100, with 100 being the highest score
- Default Probability Value - expressed on a % basis, with the value being an estimated probability of default within the next 12 months
- Owners' Corresponding FICO - a Commercial Credit Score is not always available. In those instances, the primary owners' FICO score becomes the proxy
Click through any cell on the Credit Table to use our CCM.
| Row Labels | Construction | Education and Health Service | Financial Activities | Information | Leisure and Hospitality | Manufacturing | Natural Resource and Mining | Prof. and Bus. Services | Retail Trade | Total Private | Trans. and Warehousing | Wholesale Trade |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Less than $100,000 | 61.1 | 62.7 | 63.9 | 60 | 50.9 | 59.9 | 62.8 | 61.8 | 61.1 | 61.1 | 60.4 | 62.5 |
| $100,000 to $500,000 | 70.9 | 68.2 | 68.5 | 66.5 | 65.4 | 68 | 70.3 | 67.7 | 70.6 | 68 | 67 | 69.5 |
| $500,000 to $1,000,000 | 82.4 | 76.4 | 73.7 | 67.9 | 74.5 | 78.6 | 79.2 | 72.4 | 82.2 | 77.1 | 69.1 | 79.2 |
| $1,000,000 to $2,500,000 | 85.6 | 80.6 | 76 | 70 | 83.5 | 83.4 | 82.3 | 76.2 | 85.6 | 81.4 | 74.6 | 82.8 |
| $2,5000,000 to $10,000,000 | 91 | 90.6 | 86.1 | 86.2 | 90.6 | 92.3 | 89.6 | 87.3 | 91.2 | 89.9 | 88.5 | 90.6 |
| $10,000,000 to $100,000,000 | 94.6 | 94.7 | 93.1 | 93.8 | 94.1 | 95.5 | 94.4 | 93.9 | 94.3 | 94.3 | 94.4 | 94.7 |
| Over $100 Million | 96 | 96 | 96 | 96 | 96 | 96 | 96 | 96 | 96 | 96 | 96 | 96 |