Cohort analysis
Who sits in each decision cohort
Cohort composition on Aug 01, 2026 for working version v4. Geography is available for analysis only — it is deliberately absent from policy logic, so it can be reviewed for concentration without becoming a pricing input.
Accounts in view
8,713
100.0% of the eligible population
Balance in view
$846.46M
of $846.46M eligible
Distinct groups
3
Legacy A/B/C Segment
Weighted APY in view
1.40%
Current rate before any action
Legacy A/B/C Segment × decision cohort
Each row is a population slice; each cohort column shows how that slice was decided. Rows sum across cohorts to the row account count.
| Legacy A/B/C Segment | Accounts | Households | Balance | Avg balance | Avg APY | No Action | Relationship Hold | Small Cut | Medium Cut | Large Cut | Hold |
|---|---|---|---|---|---|---|---|---|---|---|---|
| B | 3,558 | 3,367 | $336.88M | $94,683 | 1.34% | 95527% | 2126% | 69319% | 91526% | 48814% | 2958% |
| A | 2,924 | 2,788 | $284.69M | $97,364 | 1.86% | 82328% | 1856% | 56019% | 68123% | 38713% | 28810% |
| C | 2,231 | 2,167 | $224.88M | $100,800 | 0.90% | 59327% | 1567% | 41319% | 57026% | 30814% | 1919% |
| Total in view | 8,713 | — | $846.46M | — | — | 2,371 | 553 | 1,666 | 2,166 | 1,183 | 774 |
Concentration review
Slices where a single cohort dominates warrant explanation before approval.
- No slice of 50 accounts or more is dominated by a single cohort at 60% or above on this dimension.
Reading these numbers
Cohort composition is evidence, not an action.
Concentration in a legacy segment or relationship tier is expected: those attributes correlate with balance and rate sensitivity, which the policy uses directly. Concentration by geography is not expected, because no rule references state. If a geographic slice does concentrate, that is a finding to explain in Execution & Controls before any rate movement is published.
To understand a single account rather than a slice, use Account Trace, which shows the eligibility path, every predicate evaluated and the rule that produced the decision.