Loss curves chart cumulative credit losses on a cohort of loans over time, typically by months since origination. Comparing a cohort’s loss curve with historical loss curves shows whether losses are running ahead of or behind expectations. Loss curves are an invaluable tool for comparing changes in macro-economic conditions as well as changes in underwriting policies to see how different policies or credit attributes perform under different conditions. LoanStreet Analytics charts loss curves for any cohort of loans with its loan loss analytics.