Adjusted Average Cardmember Loans (AACML) is a financial metric that measures the average balance of credit card loans held by cardholders, adjusted for factors such as cardholder creditworthiness, credit limit changes, and delinquency rates. This metric is widely used in the financial industry to track credit card performance and is often reported by credit card issuers as part of their financial statements.

The AACML metric is calculated by dividing the total outstanding balance of credit card loans held by cardholders by the number of active credit card accounts. This number is then adjusted for factors such as changes in credit limits and delinquency rates to give a more accurate representation of the average credit card balance held by cardholders.

Financial institutions use the AACML metric to monitor credit card performance and identify trends in cardholder behavior. For example, if the AACML is increasing, it may indicate that consumers are taking on more credit card debt, which could be a risk for the institution. Conversely, a decrease in the AACML could indicate that consumers are paying down their credit card debt, which could be a positive sign for the institution.

Overall, the Adjusted Average Cardmember Loans metric is a valuable tool for financial institutions to manage credit card portfolios and assess the performance of their lending strategies.