Static pool
Draft definition. Technical and editorial approval pending.
A cohort of receivables grouped by origination period and tracked over time without adding later originations. Static pool analysis shows how each vintage actually performed at each month of age, which reveals trends that portfolio-level ratios conceal when a growing book keeps diluting the denominator with newer, unseasoned assets.
In practice
A fictional analysis shows your 2024 cohorts reaching 2 percent cumulative losses by month twelve while 2025 cohorts reach 2.8 percent at the same age. Portfolio-level loss rates looked flat throughout, because rapid growth kept adding unseasoned receivables to the denominator.
Read this in context: What You Need.