EX-99.1 2 d45950dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

CONFIDENTIAL

AmeriCredit Automobile Receivables Trust 2015-4

Final Pool as of the Cutoff Date

11/4/2015

Composition of the Auto Loan Contracts

as of the Cutoff Date

 

     New     Used     Total  

Aggregate Principal Balance (1)

    $ 541,533,562.32      $ 516,966,105.26      $ 1,058,499,667.58   

Number of Automobile Loan Contracts

      22,841        31,763        54,604   

Percent of Aggregate Principal Balance

      51.16 %      48.84 %      100.00 % 

Average Principal Balance

    $ 23,708.84      $ 16,275.73      $ 19,385.02   

Range of Principal Balances

    ($ 294.44 to $84,036.44 )    ($ 251.71 to $77,340.91 )    ($ 251.71 to $84,036.44 ) 

Weighted Average APR (1)

      10.55 %      14.79 %      12.62 % 

Range of APRs

      (2.00% to 25.00% )      (2.00% to 28.00% )      (2.00% to 28.00% ) 

Weighted Average Remaining Term

      66        63        65   

Range of Remaining Terms

      (3 to 71 months )      (3 to 71 months )      (3 to 71 months ) 

Weighted Average Original Term

      72        70        71   

Range of Original Terms

      (24 to 72 months )      (24 to 72 months )      (24 to 72 months ) 

 

(1) Aggregate Principal Balance includes some portion of accrued interest. As a result, the Weighted Average APR of the automobile loan contracts may not be equivalent to the automobile loan contracts’ aggregate yield on the Aggregate Principal Balance.

Score Distribution of the Automobile Loan Contracts

as of the Cutoff Date

 

     AmeriCredit Score (1)    % of Aggregate
Principal Balance (2)		   Credit Bureau Score (3)    % of Aggregate
Principal Balance (2)
   Less than 215    10.56%     
   215-224    11.33%   Less than 540    26.57%
   225-244    31.97%   540-599    51.29%
   245-259    22.39%   600-659    21.00%
   260 and greater    23.75%   660 and greater    1.14%
  

 

   

 

  

 

   

 

Weighted Average Score

    244      567   

 

(1) Proprietary credit score developed and utilized by AmeriCredit to support the credit approval and pricing process. The scale of the proprietary score is not comparable to a credit bureau score. An AmeriCredit score may not be available for a small portion of accounts originated under discontinued origination platforms and those accounts will not be included in the AmeriCredit score table above. Since these accounts are not included in the percentages above, the Aggregate Principal Balance of the accounts based on the AmeriCredit score may be less than the total pool.
(2) Percentages may not add to 100% because of rounding.
(3) A statistically based score (sometimes referred to as FICO score) generated by credit reporting agencies. AmeriCredit utilizes TransUnion, Equifax or Experian credit reports depending on the location of the obligor. Credit Bureau Scores are unavailable for some accounts and those accounts are not included in the Credit Bureau Score table above. Since these accounts are not included in the percentages above, the Aggregate Principal Balance of the accounts based on Credit Bureau Score may be less than the total pool.

CONFIDENTIAL

 

AmeriCredit Automobile Receivables Trust 2015-4

Final Pool as of the Cutoff Date

11/4/2015

Distribution of the Automobile Loan Contracts by APR

as of the Cutoff Date

 

Distribution by APR

    Aggregate Principal
Balance (1)		      % of Aggregate
Principal Balance (2)		     Number of Automobile
Loan Contracts		      % of Total Number
of Automobile
Loan Contracts (2)		  

2.000% to 2.999%

      8,216,791.41         0.78 %      287         0.53 % 

3.000% to 3.999%

      25,210,615.18         2.38 %      924         1.69 % 

4.000% to 4.999%

      30,773,100.63         2.91 %      1,130         2.07 % 

5.000% to 5.999%

      18,373,820.42         1.74 %      694         1.27 % 

6.000% to 6.999%

      54,615,452.85         5.16 %      2,016         3.69 % 

7.000% to 7.999%

      57,935,221.19         5.47 %      2,278         4.17 % 

8.000% to 8.999%

      51,145,874.64         4.83 %      2,198         4.03 % 

9.000% to 9.999%

      73,034,837.42         6.90 %      3,425         6.27 % 

10.000% to 10.999%

      77,920,780.43         7.36 %      3,686         6.75 % 

11.000% to 11.999%

      111,639,125.14         10.55 %      5,383         9.86 % 

12.000% to 12.999%

      78,272,996.56         7.39 %      4,099         7.51 % 

13.000% to 13.999%

      75,999,034.11         7.18 %      4,072         7.46 % 

14.000% to 14.999%

      73,224,041.43         6.92 %      4,123         7.55 % 

15.000% to 15.999%

      66,079,729.25         6.24 %      3,744         6.86 % 

16.000% to 16.999%

      62,189,933.64         5.88 %      3,625         6.64 % 

17.000% to 17.999%

      58,530,950.14         5.53 %      3,500         6.41 % 

18.000% to 18.999%

      59,526,891.73         5.62 %      3,738         6.85 % 

19.000% to 19.999%

      26,850,289.42         2.54 %      1,861         3.41 % 

20.000% to 20.999%

      20,559,964.21         1.94 %      1,500         2.75 % 

21.000% to 21.999%

      13,488,717.65         1.27 %      1,067         1.95 % 

22.000% to 22.999%

      6,737,827.07         0.64 %      541         0.99 % 

23.000% to 23.999%

      4,928,598.65         0.47 %      410         0.75 % 

24.000% to 24.999%

      2,658,388.67         0.25 %      246         0.45 % 

25.000% to 25.999%

      418,870.60         0.04 %      38         0.07 % 

26.000% to 26.999%

      138,969.34         0.01 %      16         0.03 % 

27.000% to 27.999%

      15,496.05         0.00 %      2         0.00 % 

28.000% to 28.999%

      13,349.75         0.00 %      1         0.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

TOTAL

    $ 1,058,499,667.58         100.00 %      54,604         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

 

(1) Aggregate Principal Balances include some portion of accrued interest. Indicated APRs represent APRs on principal balance net of such accrued interest.
(2) Percentages may not add to 100% because of rounding.

CONFIDENTIAL

 

AmeriCredit Automobile Receivables Trust 2015-4

Final Pool as of the Cutoff Date

11/4/2015

Distribution of the Automobile Loan Contracts by Geographic Location

of Obligor as of the Cutoff Date

 

Geographic Location

    Aggregate
Principal
Balance (1)		      % of Aggregate
Principal Balance (2)		     Number of
Automobile
Loan Contracts		      % of Total Number
of Automobile
Loan Contracts (2)		  

Alabama

    $ 21,327,945.32         2.01 %      1,033         1.89 % 

Alaska

      1,626,444.58         0.15 %      73         0.13 % 

Arizona

      24,634,149.44         2.33 %      1,177         2.16 % 

Arkansas

      12,837,928.40         1.21 %      632         1.16 % 

California

      69,960,394.46         6.61 %      3,726         6.82 % 

Colorado

      19,262,991.95         1.82 %      984         1.80 % 

Connecticut

      6,519,900.78         0.62 %      373         0.68 % 

Delaware

      3,276,076.31         0.31 %      205         0.38 % 

District of Columbia

      2,936,712.25         0.28 %      151         0.28 % 

Florida

      75,692,117.22         7.15 %      4,239         7.76 % 

Georgia

      46,828,058.15         4.42 %      2,185         4.00 % 

Hawaii

      2,923,571.78         0.28 %      163         0.30 % 

Idaho

      1,677,586.16         0.16 %      95         0.17 % 

Illinois

      39,651,201.92         3.75 %      2,102         3.85 % 

Indiana

      24,259,902.94         2.29 %      1,322         2.42 % 

Iowa

      4,392,481.79         0.41 %      254         0.47 % 

Kansas

      4,851,716.33         0.46 %      255         0.47 % 

Kentucky

      19,897,342.58         1.88 %      1,067         1.95 % 

Louisiana

      33,618,967.41         3.18 %      1,461         2.68 % 

Maine

      3,817,958.79         0.36 %      229         0.42 % 

Maryland

      26,071,277.27         2.46 %      1,342         2.46 % 

Massachusetts

      17,224,976.88         1.63 %      1,003         1.84 % 

Michigan

      20,196,433.93         1.91 %      1,326         2.43 % 

Minnesota

      7,747,530.04         0.73 %      487         0.89 % 

Mississippi

      18,230,422.42         1.72 %      822         1.51 % 

Missouri

      20,972,646.09         1.98 %      1,147         2.10 % 

Montana

      2,535,180.26         0.24 %      110         0.20 % 

Nebraska

      2,756,170.14         0.26 %      158         0.29 % 

Nevada

      7,983,618.86         0.75 %      358         0.66 % 

New Hampshire

      3,789,933.68         0.36 %      235         0.43 % 

New Jersey

      19,289,624.91         1.82 %      1,144         2.10 % 

New Mexico

      18,182,376.95         1.72 %      796         1.46 % 

New York

      32,501,158.20         3.07 %      1,780         3.26 % 

North Carolina

      34,237,710.10         3.23 %      1,745         3.20 % 

North Dakota

      1,666,097.59         0.16 %      82         0.15 % 

Ohio

      37,935,149.01         3.58 %      2,307         4.22 % 

Oklahoma

      19,544,864.25         1.85 %      930         1.70 % 

Oregon

      6,527,272.50         0.62 %      365         0.67 % 

Pennsylvania

      40,358,350.36         3.81 %      2,423         4.44 % 

Rhode Island

      2,323,513.10         0.22 %      139         0.25 % 

South Carolina

      16,526,199.76         1.56 %      856         1.57 % 

South Dakota

      2,277,302.63         0.22 %      142         0.26 % 

Tennessee

      25,073,969.72         2.37 %      1,243         2.28 % 

Texas

      188,424,471.71         17.80 %      8,470         15.51 % 

Utah

      5,111,397.59         0.48 %      233         0.43 % 

Vermont

      1,479,731.21         0.14 %      80         0.15 % 

Virginia

      21,612,010.15         2.04 %      1,128         2.07 % 

Washington

      12,219,213.37         1.15 %      650         1.19 % 

West Virginia

      10,482,185.11         0.99 %      519         0.95 % 

Wisconsin

      12,880,557.73         1.22 %      746         1.37 % 

Wyoming

      2,131,899.25         0.20 %      99         0.18 % 

Other (3)

      212,974.25         0.02 %      13         0.02 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

TOTAL

    $ 1,058,499,667.58         100.00 %      54,604         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

 

(1) Aggregate Principal Balances include some portion of accrued interest.
(2) Percentages may not add to 100% because of rounding.
(3) States and Territories with Aggregate Principal Balances less than $1,000,000 each.

CONFIDENTIAL

 

AmeriCredit Automobile Receivables Trust 2015-4

Final Pool as of the Cutoff Date

11/4/2015

Distribution of the Automobile Loan Contracts by Wholesale LTV

as of the Cutoff Date

 

     Wholesale LTV (1) Range     % of Aggregate
Principal Balance (2)(3)		  
     Less than 100 %      24.19 % 
     100-109        22.42 % 
     110-119        24.30 % 
     120-129        18.94 % 
     130-139        8.73 % 
     140-149        1.27 % 
     150 and greater        0.14 % 
  

 

 

    

 

 

  

Weighted Average Wholesale LTV

      111 %   

 

(1) Wholesale LTV is calculated using the total amount financed, which may include taxes, title fees and ancillary products over the wholesale auction value of the financed vehicle at the time the vehicle is financed. The vehicle value at origination is determined by using NADA or “Kelley Blue Book Trade-in” prices for used vehicles or dealer invoice/dealer wholesale price for new vehicles.
(2) Wholesale LTV was not available or could not be calculated on certain accounts and these accounts are not included in the table above. Since these accounts are not included in the Wholesale LTV table, the Aggregate Principal Balance may be less than the total pool.
(3) Percentages may not add up to 100% because of rounding.

CONFIDENTIAL

 

AmeriCredit Automobile Receivables Trust 2015-4

Final Pool as of the Cutoff Date

11/4/2015

Distribution of the Automobile Loan Contracts by Vehicle Make

as of the Cutoff Date

 

Vehicle Make

    Aggregate
Principal
Balance (1)		      % of Aggregate
Principal Balance (2)		     Number of
Automobile
Loan Contracts		      % of Total Number
of Automobile
Loan Contracts (2)		  

Buick(3)

    $ 24,706,887.40         2.33 %      1,115         2.04 % 

Cadillac(3)

      20,732,298.76         1.96 %      816         1.49 % 

Chevrolet(3)

      401,466,587.68         37.93 %      18,531         33.94 % 

Chrysler

      25,505,414.70         2.41 %      1,590         2.91 % 

Dodge

      73,062,327.54         6.90 %      3,865         7.08 % 

Ford

      85,447,527.85         8.07 %      4,836         8.86 % 

GMC(3)

      54,136,620.41         5.11 %      2,089         3.83 % 

Honda

      28,626,442.82         2.70 %      1,712         3.14 % 

Hyundai

      44,018,112.59         4.16 %      2,606         4.77 % 

Jeep

      31,985,780.18         3.02 %      1,631         2.99 % 

Kia

      52,801,232.59         4.99 %      3,146         5.76 % 

Mercedes

      13,428,110.99         1.27 %      588         1.08 % 

Mitsubishi

      12,503,494.89         1.18 %      758         1.39 % 

Nissan

      74,520,385.18         7.04 %      4,308         7.89 % 

Toyota

      43,347,867.54         4.10 %      2,491         4.56 % 

Volkswagen

      13,849,791.71         1.31 %      880         1.61 % 

Other (4)

      58,360,784.75         5.51 %      3,642         6.67 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 1,058,499,667.58         100.00 %      54,604         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

 

(1) Aggregate Principal Balances include some portion of accrued interest.
(2) Percentages may not add to 100% because of rounding.
(3) The total Aggregate Principal Balance of all new GM vehicles is $356,330,127.95, or approximately 34% of the final pool.
(4) Aggregate Principal Balance of less than 1% of Total Aggregate Principal Balance per vehicle make.

Distribution of the Automobile Loan Contracts by Vehicle Segment

as of the Cutoff Date

 

Vehicle Segment (1)

    Aggregate
Principal
Balance (2)		      % of Aggregate
Principal Balance (3)		     Number of
Automobile
Loan Contracts		      % of Total Number
of Automobile
Loan Contracts (3)		  

Full-Size Car

    $ 3,178,966.75         0.30 %      182         0.33 % 

Full-Size Van/Truck

      161,897,817.67         15.30 %      6,016         11.02 % 

Full-Size SUV

      54,131,616.37         5.11 %      2,054         3.76 % 

Mid-Size Car

      287,190,533.87         27.13 %      15,632         28.63 % 

Mid-Size SUV

      246,015,041.78         23.24 %      12,455         22.81 % 

Economy/Compact Car

      205,421,303.82         19.41 %      12,827         23.49 % 

Compact Van/Truck

      37,145,006.13         3.51 %      2,166         3.97 % 

Sports Car

      63,353,734.80         5.99 %      3,265         5.98 % 

Segment Unavailable(4)

      165,646.39         0.02 %      7         0.01 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 1,058,499,667.58         100.00 %      54,604         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

 

(1) Categories reflect consolidated categories based on J.D. Power defined segments.
(2) Aggregate Principal Balances include some portion of accrued interest.
(3) Percentages may not add up to 100% because of rounding.
(4) Vehicle segmentation was not available for certain accounts at the time the pool was selected.

CONFIDENTIAL

 

AmeriCredit Automobile Receivables Trust 2015-4

Final Pool as of the Cutoff Date

11/4/2015

Historical Delinquency Experience of the Automobile Loan Contracts

as of the Cutoff Date

 

Number of Times

Ever 31 to 60 Days

Delinquent

        Aggregate Principal
Balance (1)		      % of Aggregate
Principal Balance (2)		     Number of
Automobile
Loan Contracts		      % of Total Number of
Automobile Loan
Contracts (2)		  

0

      $ 924,804,371.69         87.37 %      43,700         80.03 % 

1

        52,375,850.26         4.95 %      2,752         5.04 % 

2+

        81,319,445.63         7.68 %      8,152         14.93 % 
    

 

 

     

 

 

    

 

 

     

 

 

  

Total

      $ 1,058,499,667.58         100.00 %      54,604         100.00 % 
    

 

 

     

 

 

    

 

 

     

 

 

  

 

(1) Aggregate Principal Balances include some portion of accrued interest.
(2) Percentages may not add to 100% because of rounding.

 

Number of Times

Ever 61 to 90 Days

Delinquent

        Aggregate Principal
Balance (1)		      % of Aggregate
Principal Balance (2)		     Number of
Automobile
Loan Contracts		      % of Total Number of
Automobile Loan
Contracts  (2)		  

0

      $ 1,013,975,404.04         95.79 %      50,054         91.67 % 

1

        15,390,743.59         1.45 %      1,407         2.58 % 

2+

        29,133,519.95         2.75 %      3,143         5.76 % 
    

 

 

     

 

 

    

 

 

     

 

 

  

Total

      $ 1,058,499,667.58         100.00 %      54,604         100.00 % 
    

 

 

     

 

 

    

 

 

     

 

 

  

 

(1) Aggregate Principal Balances include some portion of accrued interest.
(2) Percentages may not add to 100% because of rounding.

 

Number of Times

Ever Greater Than

90 Days Delinquent

        Aggregate Principal
Balance (1)		      % of Aggregate
Principal Balance (2)		     Number of
Automobile
Loan Contracts		      % of Total Number of
Automobile Loan
Contracts (2)		  

0

      $ 1,050,278,679.35         99.22 %      53,675         98.30 % 

1

        5,838,889.62         0.55 %      649         1.19 % 

2+

        2,382,098.61         0.23 %      280         0.51 % 
    

 

 

     

 

 

    

 

 

     

 

 

  

Total

      $ 1,058,499,667.58         100.00 %      54,604         100.00 % 
    

 

 

     

 

 

    

 

 

     

 

 

  

 

(1) Aggregate Principal Balances include some portion of accrued interest.
(2) Percentages may not add to 100% because of rounding.