Key Takeaways OPFI's Q1 net charge-off rate fell 700 bps sequentially and 1300 bps year over year to 35%. Model 6 helps OPFI better assess long-term credit risks and target higher-quality borrowers. Adjusted net income surged 285.1% year over year to $33.8M, aided by improved credit quality.OppFi’s (OPFI) net charge-offs as a percentage of total revenues indicate the proportion of the company's top line that has been offset by uncollectible loans after accounting for any recoveries. A lower percentage sig ...