Sample portfolio report
2026-09-06T10:28:12+00:00 (treecf 0.3.2)
- ir: 16a5ae796d499e0b39b702c299df82ad4c002bf4b90059e13d3020f977cb2dc8
- constraints: 61ff92aa2da2eb0d04d0023740f2b304cd47d515ee645cc7e61635a2025c5ee4
Population and proofs
- rows: 20
- records: 20
- with recourse: 20
- certified no recourse: 0
- unproven no recourse: 0
Recourse burden by segment
| group | n | recourse share | certified no | unproven no | median burden | mean burden | p90 burden | small |
|---|
| established | 11 | 1 | 0 | 0 | 2.86 | 3 | 5.03 | no |
| thin-file | 9 | 1 | 0 | 0 | 4.24 | 4.08 | 4.95 | no |
Burden compares costs under one declared cost model and constraint set; a difference between segments is a finding to investigate, not a verdict.
Dominant levers
segment established
| lever | plans | share | kind | move (median |Δ|/σ) or targets |
|---|
| income | 9 | 0.818 | numeric | 2.08 |
| dpd_12m | 6 | 0.545 | numeric | 0.833 |
| occupation | 4 | 0.364 | categorical | manager ×4 |
| utilization | 4 | 0.364 | numeric | 1.12 |
segment thin-file
| lever | plans | share | kind | move (median |Δ|/σ) or targets |
|---|
| income | 9 | 1 | numeric | 2.88 |
| dpd_12m | 3 | 0.333 | numeric | 2.17 |
| occupation | 3 | 0.333 | categorical | manager ×3 |
| utilization | 2 | 0.222 | numeric | 0.461 |
| tenure_months | 1 | 0.111 | numeric | 1.08 |
