Draft performance on the servicing book: what was attempted, what cleared, what came back, and what actually landed in the account. Return rate is the metric this report exists for, because it is the earliest place a processor problem becomes visible.
Draft attempts
6,875
-2.36% vs 20 day mean 7,041 · -0.57σ
Settlement rate
62.55%
-1.25pp vs 20 day mean 63.80% · -1.28σ
Return rate
3.93%
+0.48pp vs 20 day mean 3.46% · +3.41σ
Cash collected
$1,149,197
-7.66% vs 20 day mean $1,244,583 · -1.29σ
Average draft
$178.89
+1.12% vs 20 day mean $176.91 · +0.43σ
Control viewthe primary metric against its own trailing band
Daily readingTrailing mean2 sigma3 sigma
Settlement rate
Band summarywhat the sentinel reads at 06:40 ET
| Metric | Latest | Mean | Sigma | 2 sigma band | Z | vs mean |
|---|---|---|---|---|---|---|
| Draft attempts | 6,875 | 7,041 | 292 | 6,457 to 7,625 | -0.57σ | -2.36% |
| Settlement rate | 62.55% | 63.80% | 0.98% | 61.84% to 65.76% | -1.28σ | -1.25pp |
| Return rate | 3.93% | 3.46% | 0.14% | 3.18% to 3.74% | +3.41σ | +0.48pp |
| Cash collected | $1,149,197 | $1,244,583 | $74,153 | $1,096,277 to $1,392,889 | -1.29σ | -7.66% |
| Average draft | $178.89 | $176.91 | $4.60 | $167.70 to $186.12 | +0.43σ | +1.12% |
Daily registerthe grain underneath the cards
| Date | Draft attempts | Settlement rate | Return rate | Cash collected | Average draft |
|---|---|---|---|---|---|
| 2026-07-13 Mon | 6,827 | 61.38% | 3.52% | $1,434,021 | $180.77 |
| 2026-07-14 Tue | 7,054 | 64.78% | 3.55% | $1,236,921 | $178.99 |
| 2026-07-15 Wed | 7,307 | 64.36% | 3.47% | $1,148,303 | $187.01 |
| 2026-07-16 Thu | 7,426 | 63.38% | 3.62% | $1,298,701 | $169.89 |
| 2026-07-17 Fri | 6,818 | 63.77% | 3.38% | $1,233,586 | $172.06 |
| 2026-07-20 Mon | 7,140 | 63.83% | 3.42% | $1,286,322 | $177.64 |
| 2026-07-21 Tue | 7,083 | 64.63% | 3.79% | $1,205,886 | $176.02 |
| 2026-07-22 Wed | 7,324 | 63.83% | 3.49% | $1,344,695 | $177.99 |
| 2026-07-23 Thu | 6,935 | 63.47% | 3.14% | $1,292,736 | $167.93 |
| 2026-07-24 Fri | 6,796 | 64.88% | 3.18% | $1,180,939 | $174.89 |
| 2026-07-27 Mon | 7,195 | 65.40% | 3.56% | $1,224,062 | $179.30 |
| 2026-07-28 Tue | 7,601 | 62.87% | 3.48% | $1,215,134 | $180.74 |
| 2026-07-29 Wed | 6,895 | 63.74% | 3.69% | $1,088,107 | $177.59 |
| 2026-07-30 Thu | 7,105 | 62.56% | 3.44% | $1,225,827 | $181.69 |
| 2026-07-31 Fri | 6,875 | 62.55% | 3.93% | $1,149,197 | $178.89 |
Measurement contract. Returns are recorded on the day the return posts, not the day the draft was attempted, so a single processing incident shows as one spike rather than a spread. Cash collected is gross of reversals.
What the bands claim. The shaded band is the trailing 20 business day mean of this series plus or minus two sigma, with sigma estimated from the average moving range. It describes how much this series normally moves. It is not a target, not a forecast, and not a statement that an out of band day was caused by anything in particular.
What the bands claim. The shaded band is the trailing 20 business day mean of this series plus or minus two sigma, with sigma estimated from the average moving range. It describes how much this series normally moves. It is not a target, not a forecast, and not a statement that an out of band day was caused by anything in particular.