EX-99.1 2 d221439dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

AmeriCredit Automobile Receivables Trust 2016-3

Final Pool as of the Cutoff Date

8/3/2016

Composition of the Auto Loan Contracts

as of the Cutoff Date

 

     New     Used     Total  

Aggregate Principal Balance (1)

    $ 803,408,776.80      $ 611,173,206.34      $ 1,414,581,983.14   

Number of Automobile Loan Contracts

      30,524        34,174        64,698   

Percent of Aggregate Principal Balance

      56.79 %      43.21 %      100.00 % 

Average Principal Balance

    $ 26,320.56      $ 17,884.16      $ 21,864.39   

Range of Principal Balances

    ($ 272.99 to $84,904.05 )    ($ 258.89 to $83,074.51 )    ($ 258.89 to $84,904.05 ) 

Weighted Average APR (1)

      10.09 %      14.04 %      11.80 % 

Range of APRs

      (2.50% to 26.00% )      (2.60% to 28.99% )      (2.50% to 28.99% ) 

Weighted Average Remaining Term

      67        65        66   

Range of Remaining Terms

      (3 to 75 months )      (3 to 74 months )      (3 to 75 months ) 

Weighted Average Original Term

      72        70        71   

Range of Original Terms

      (24 to 75 months )      (24 to 75 months )      (24 to 75 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

 

     Custom Score (1)      % of Aggregate
Principal Balance (2)		     Credit Bureau Score (3)      % of Aggregate
Principal Balance (2)		  
     Less than 215         11.06 %      
     215-224         10.81 %      Less than 540         22.27 % 
     225-244         31.14 %      540-599         44.68 % 
     245-259         21.81 %      600-659         30.32 % 
     260 and greater         25.18 %      660 and greater         2.73 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Weighted Average Score

      245           577      

 

 

(1) Proprietary credit score developed and utilized by the sponsor to support the credit approval and pricing process. The scale of the proprietary score is not comparable to a credit bureau score. A custom 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 Custom Score table above. Since these accounts are not included in the percentages above, the Aggregate Principal Balance of the accounts based on the custom 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. The sponsor 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.

AmeriCredit Automobile Receivables Trust 2016-3

Final Pool as of the Cutoff Date

8/3/2016

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%

      2,832,665.60         0.20 %      107         0.17 % 

  3.000% to 3.999%

      14,951,973.42         1.06 %      575         0.89 % 

  4.000% to 4.999%

      23,233,761.41         1.64 %      842         1.30 % 

  5.000% to 5.999%

      51,371,348.02         3.63 %      1,745         2.70 % 

  6.000% to 6.999%

      121,384,882.24         8.58 %      4,106         6.35 % 

  7.000% to 7.999%

      143,514,174.57         10.15 %      4,982         7.70 % 

  8.000% to 8.999%

      108,482,114.91         7.67 %      4,157         6.43 % 

  9.000% to 9.999%

      122,598,320.86         8.67 %      5,138         7.94 % 

10.000% to 10.999%

      107,646,897.08         7.61 %      4,578         7.08 % 

11.000% to 11.999%

      106,135,163.69         7.50 %      5,063         7.83 % 

12.000% to 12.999%

      101,641,891.16         7.19 %      4,814         7.44 % 

13.000% to 13.999%

      84,628,146.53         5.98 %      4,225         6.53 % 

14.000% to 14.999%

      91,069,683.95         6.44 %      4,643         7.18 % 

15.000% to 15.999%

      71,971,433.64         5.09 %      3,888         6.01 % 

16.000% to 16.999%

      66,897,356.80         4.73 %      3,746         5.79 % 

17.000% to 17.999%

      60,820,880.51         4.30 %      3,454         5.34 % 

18.000% to 18.999%

      57,408,287.87         4.06 %      3,401         5.26 % 

19.000% to 19.999%

      28,367,054.63         2.01 %      1,792         2.77 % 

20.000% to 20.999%

      21,871,383.14         1.55 %      1,451         2.24 % 

21.000% to 21.999%

      12,609,313.10         0.89 %      893         1.38 % 

22.000% to 22.999%

      6,310,842.40         0.45 %      442         0.68 % 

23.000% to 23.999%

      5,325,111.68         0.38 %      377         0.58 % 

24.000% to 24.999%

      2,652,487.09         0.19 %      206         0.32 % 

25.000% to 25.999%

      468,119.91         0.03 %      39         0.06 % 

26.000% to 26.999%

      307,836.01         0.02 %      27         0.04 % 

27.000% to 27.999%

      23,473.98         0.00 %      2         0.00 % 

28.000% to 28.999%

      57,378.94         0.00 %      5         0.01 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

TOTAL

    $ 1,414,581,983.14         100.00 %      64,698         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.

AmeriCredit Automobile Receivables Trust 2016-3

Final Pool as of the Cutoff Date

8/3/2016

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

    $ 26,317,088.04         1.86 %      1,160         1.79 % 

Alaska

      2,325,520.11         0.16 %      106         0.16 % 

Arizona

      30,810,604.11         2.18 %      1,333         2.06 % 

Arkansas

      19,389,872.15         1.37 %      833         1.29 % 

California

      98,837,300.47         6.99 %      4,585         7.09 % 

Colorado

      20,198,483.44         1.43 %      935         1.45 % 

Connecticut

      8,995,404.58         0.64 %      481         0.74 % 

Delaware

      4,914,485.24         0.35 %      244         0.38 % 

District of Columbia

      3,565,324.38         0.25 %      162         0.25 % 

Florida

      102,881,127.44         7.27 %      4,924         7.61 % 

Georgia

      65,469,274.07         4.63 %      2,757         4.26 % 

Hawaii

      3,982,014.60         0.28 %      188         0.29 % 

Idaho

      2,003,632.81         0.14 %      95         0.15 % 

Illinois

      52,307,466.08         3.70 %      2,502         3.87 % 

Indiana

      27,303,343.06         1.93 %      1,412         2.18 % 

Iowa

      6,308,830.55         0.45 %      328         0.51 % 

Kansas

      7,162,034.88         0.51 %      327         0.51 % 

Kentucky

      23,129,440.17         1.64 %      1,134         1.75 % 

Louisiana

      44,347,081.82         3.13 %      1,794         2.77 % 

Maine

      4,412,260.63         0.31 %      244         0.38 % 

Maryland

      37,862,369.92         2.68 %      1,707         2.64 % 

Massachusetts

      18,908,679.64         1.34 %      1,016         1.57 % 

Michigan

      22,926,792.22         1.62 %      1,290         1.99 % 

Minnesota

      9,945,571.87         0.70 %      519         0.80 % 

Mississippi

      23,180,234.13         1.64 %      980         1.51 % 

Missouri

      28,057,254.37         1.98 %      1,340         2.07 % 

Montana

      3,664,326.79         0.26 %      156         0.24 % 

Nebraska

      4,584,669.19         0.32 %      231         0.36 % 

Nevada

      11,538,470.10         0.82 %      476         0.74 % 

New Hampshire

      4,466,096.33         0.32 %      238         0.37 % 

New Jersey

      23,871,982.44         1.69 %      1,242         1.92 % 

New Mexico

      21,240,081.35         1.50 %      893         1.38 % 

New York

      44,646,888.06         3.16 %      2,216         3.43 % 

North Carolina

      42,156,864.43         2.98 %      1,904         2.94 % 

North Dakota

      1,482,548.57         0.10 %      65         0.10 % 

Ohio

      46,921,312.51         3.32 %      2,576         3.98 % 

Oklahoma

      28,618,081.80         2.02 %      1,217         1.88 % 

Oregon

      6,774,842.91         0.48 %      361         0.56 % 

Pennsylvania

      53,094,415.98         3.75 %      2,839         4.39 % 

Rhode Island

      2,318,665.40         0.16 %      128         0.20 % 

South Carolina

      24,328,413.56         1.72 %      1,097         1.70 % 

South Dakota

      1,424,842.36         0.10 %      78         0.12 % 

Tennessee

      35,126,828.35         2.48 %      1,600         2.47 % 

Texas

      279,018,153.94         19.72 %      11,041         17.07 % 

Utah

      5,347,613.61         0.38 %      231         0.36 % 

Vermont

      2,436,467.33         0.17 %      117         0.18 % 

Virginia

      26,924,254.10         1.90 %      1,245         1.92 % 

Washington

      14,588,696.49         1.03 %      703         1.09 % 

West Virginia

      16,337,485.36         1.15 %      726         1.12 % 

Wisconsin

      14,742,683.92         1.04 %      783         1.21 % 

Wyoming

      2,501,218.38         0.18 %      97         0.15 % 

Other (3)

      884,589.10         0.06 %      42         0.06 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

TOTAL

    $ 1,414,581,983.14         100.00 %      64,698         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.

AmeriCredit Automobile Receivables Trust 2016-3

Final Pool as of the Cutoff Date

8/3/2016

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 %      29.66 % 
     100-109        22.71 % 
     110-119        22.18 % 
     120-129        17.00 % 
     130-139        7.33 % 
     140-149        1.01 % 
     150 and greater        0.10 % 
  

 

 

    

 

 

  

Weighted Average Wholesale LTV

      108 %   

 

(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.

AmeriCredit Automobile Receivables Trust 2016-3

Final Pool as of the Cutoff Date

8/3/2016

Distribution of the Automobile Loan Contracts by Original Term

as of the Cutoff Date

 

Original Term to Scheduled Maturity

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

1 - 24 months

    $ 138,028.11         0.01 %      15         0.02 % 

25 - 36 months

      1,749,104.87         0.12 %      185         0.29 % 

37 - 48 months

      8,327,667.97         0.59 %      691         1.07 % 

49 - 60 months

      82,186,722.79         5.81 %      5,662         8.75 % 

61 - 72 months

      1,276,793,796.85         90.26 %      56,720         87.67 % 

73 - 75 months

      45,386,662.55         3.21 %      1,425         2.20 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

TOTAL

    $ 1,414,581,983.14         100.00 %      64,698         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

 

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

AmeriCredit Automobile Receivables Trust 2016-3

Final Pool as of the Cutoff Date

8/3/2016

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)

    $ 44,531,149.14         3.15 %      1,919         2.97 % 

Cadillac (3)

      40,812,875.86         2.89 %      1,371         2.12 % 

Chevrolet (3)

      625,074,166.08         44.19 %      25,716         39.75 % 

Chrysler

      29,271,419.75         2.07 %      1,646         2.54 % 

Dodge

      79,862,561.43         5.65 %      3,899         6.03 % 

Ford

      92,788,214.85         6.56 %      4,717         7.29 % 

GMC (3)

      101,855,032.35         7.20 %      3,278         5.07 % 

Honda

      27,063,711.45         1.91 %      1,524         2.36 % 

Hyundai

      45,522,264.67         3.22 %      2,763         4.27 % 

Jeep

      43,798,588.99         3.10 %      2,051         3.17 % 

Kia

      57,338,955.55         4.05 %      3,260         5.04 % 

Nissan

      79,087,929.99         5.59 %      4,472         6.91 % 

Toyota

      47,241,771.70         3.34 %      2,610         4.03 % 

Other (4)

      100,333,341.33         7.09 %      5,472         8.46 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 1,414,581,983.14         100.00 %      64,698         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 $594,045,891.88, or approximately 42% of the total pool. The total Aggregate Principal Balance of all new GM vehicles originated under subvention programs accounts for approximately 30% of the total 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

    $ 4,750,481.76         0.34 %      195         0.30 % 

Full-Size Van/Truck

      276,110,357.50         19.52 %      8,744         13.52 % 

Full-Size SUV

      94,287,270.69         6.67 %      2,778         4.29 % 

Mid-Size Car

      335,823,221.88         23.74 %      17,142         26.50 % 

Mid-Size SUV

      305,816,305.49         21.62 %      14,351         22.18 % 

Economy/Compact Car

      250,937,786.94         17.74 %      14,940         23.09 % 

Compact Van/Truck

      45,152,436.58         3.19 %      2,185         3.38 % 

Sports Car

      99,030,035.00         7.00 %      4,246         6.56 % 

Segment Unavailable (4)

      2,674,087.30         0.19 %      117         0.18 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 1,414,581,983.14         100.00 %      64,698         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.

AmeriCredit Automobile Receivables Trust 2016-3

Final Pool as of the Cutoff Date

8/3/2016

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

    $ 1,285,625,550.93         90.88 %      55,836         86.30 % 

1

      56,528,735.25         4.00 %      2,675         4.13 % 

2+

      72,427,696.96         5.12 %      6,187         9.56 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 1,414,581,983.14         100.00 %      64,698         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

    $ 1,372,374,700.00         97.02 %      61,060         94.38 % 

1

      14,479,428.62         1.02 %      1,075         1.66 % 

2+

      27,727,854.52         1.96 %      2,563         3.96 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 1,414,581,983.14         100.00 %      64,698         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

    $ 1,407,639,803.53         99.51 %      64,012         98.94 % 

1

      4,214,420.67         0.30 %      433         0.67 % 

2+

      2,727,758.94         0.19 %      253         0.39 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 1,414,581,983.14         100.00 %      64,698         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

 

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