joining and fiscal morning, for call. our you thank earnings XXXX first Good quarter
Before areas to it like that a highlight. we are few I'd up to questions, open there
a have pleased our instituted adjustments we year, impact the believe business would of Last results. we a and that with have number quite on significant been
economic discussed we inflation and uncertainty concerns as about during were ago As prior years earnings underwriting calls, tightened X.X increasing. we
previously this and period to on after several we months. delinquency We well Today, adjustments, a our extraordinary many as weathered see This fiscal and and we as of have rates is discussed. focus most a expect growth trend continue to for due to of portfolio more quality as heightened throughout our last as continue operations delinquency including yields period primarily normalization delinquency as lower losses of credit increasing yields portfolio in and well higher-than-expected a normalizing year.
potential customers see of to environment to the we impact consciously this also in as our rates the economic very increasing approval customers still new We're uncertain year. coming
than both relative base customer During the years, more quarter, nominal our and grew prior the three first terms. in
New base. returning a year quarter loan are normal quarter, the originations -- way to and excuse over over of prior around previous by a dramatically me, Return focus the XX% customer increased customer as and increased also year well, quarter operations by over the percentage prior number thanks the dramatically to the of originations first by quarter and XX% our as increased teams. an marketing exceeded last
several of both year the are as great accomplishment, rates delinquency an across industries these increasing the All especially credit the team during XXXX. half of reports well outcomes we calendar first as and consider XXXX of
credit still a of exists, tiers continues yields improved conditions. long-term share $XX.XX, to plan due with quality, per to economic management While much $XX.XX operating incentive and vesting accrue $XX.XX and uncertainty for
first tier our and as position performance anticipate unemployment of credit early and begin assuming year a We vesting to as remains capital quality and of the remains We're pleased the end low. from strength. year portfolio this XXXX fiscal fiscal stable
would I Johnny Calmes, Financial have. up Chief At and and to Officer, any like you questions this time, our open Strategy to
