. the portfolio comprised 60% ( 60 % ) new vehicle loans and 40% ( 40 % ) used vehicle loans at december 31 , 2015 . the auto loan portfolio 2019s performance is measured monthly , including updated collateral values that are obtained monthly and updated fico scores that are obtained at least quarterly . for internal reporting and risk management , we analyze the portfolio by product channel and product type , and regularly evaluate default and delinquency experience