Portfolio Analytics Deep Dive

LTV Distribution

The LTV distribution chart shows a histogram of loan-to-value ratios across your client base. This is one of the most useful views in portfolio analytics because it shows the shape of your practice's capital utilization pattern.

How to read it:

• The X-axis shows LTV in 10% bands (0–10%, 10–20%, etc.)
• The Y-axis shows count of clients in each band
• The distribution tells you whether your practice skews toward clients who are early in capitalization, actively deploying capital, or maintaining high utilization

Common patterns:

Capital Velocity Analysis

Capital velocity measures how many times clients have cycled their capital — deployed it, received a return, and redeployed. The Portfolio Analytics view shows velocity distribution across your practice:

• Mean velocity — average velocity score across clients with active assets
• Velocity histogram — distribution of velocity scores
• Trend — whether mean velocity is rising or falling over the selected period

A rising mean velocity across your practice suggests clients are becoming more active in using their banking systems. A declining mean may reflect clients who are in a capitalization phase with fewer active assets — this is normal for practices that are growing their client base with newer clients.

Snapshot Freshness

The data freshness panel shows how current your clients' data is:

High counts in the 91+ day bands are the most actionable signal from this view. Each client with stale data is both a data quality issue and a potential touchpoint opportunity — they haven't logged in to update their snapshot, which often means they haven't been thinking about their banking system.

Exporting Portfolio Data

The Portfolio Analytics view exports as a CSV that includes one row per client with their current aggregate metrics. This is useful for offline analysis or for sharing a practice snapshot in a report format.

Go to Analytics → Portfolio → Export CSV.

The export reflects the current snapshot data for each client — it is not a historical time series. For historical trend data, use the individual client detail views.

Policy Stack is a tracking and visualization tool. It does not provide financial advice, recommendations, or opinions on what you should do with your banking system.

Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute.