. we have elected not to pursue non-prime auto lending as evidenced by an average new loan origination fico score over the last twelve months of 758 for indirect auto loans and 773 for direct auto loans . as of december 31 , 2015 , 0.3% ( 0.3 % ) of the portfolio was nonperforming and 0.5% ( 0.5 % ) of our auto loan portfolio was accruing past due . we offer both new and used automobile financing to customers through our various channels