EX-99.1 2 copar2022-2exx991xoctober2.htm EX-99.1 Document

Exhibit 99.1

CAPITAL ONE PRIME AUTO RECEIVABLES TRUST 2022-2
Statement to Securityholders
Determination Date: November 12, 2025
Payment Date11/17/2025
Collection Period Start10/1/2025
Collection Period End10/31/2025
Interest Period Start10/15/2025
Interest Period End11/16/2025
Cut-Off Date Net Pool Balance$2,066,663,591.84 
Cut-Off Date Adjusted Pool Balance$1,899,113,714.12 


I. DEAL SUMMARY
Beginning Note
Balance		Principal PaymentEnding Note BalanceNote FactorFinal Scheduled Payment Date
Class A-1 Notes$— $— $— —Aug-23
Class A-2a Notes$— $— $— —Sep-25
Class A-2b Notes$— $— $— —Sep-25
Class A-3 Notes$134,634,155.86 $25,301,346.89 $109,332,808.97 0.173050May-27
Class A-4 Notes$160,110,000.00 $— $160,110,000.00 1.000000Dec-27
Class B Notes$19,000,000.00 $— $19,000,000.00 1.000000Jan-28
Class C Notes$19,000,000.00 $— $19,000,000.00 1.000000Feb-28
Class D Notes$19,000,000.00 $— $19,000,000.00 1.000000Nov-28
Total Notes$351,744,155.86 $25,301,346.89 $326,442,808.97 
Beginning BalanceEnding BalancePool Factor
Net Pool Balance$380,970,437.54 $353,671,248.83 0.171132
YSOC Amount$24,478,497.39 $22,480,655.57 
Adjusted Pool Balance$356,491,940.15 $331,190,593.26 
Overcollateralization Amount (Adjusted Pool Balance - Note Balance)$4,747,784.29 $4,747,784.29 
Reserve Account Balance$4,747,784.29 $4,747,784.29 
Beginning Note
Balance		Interest RateAccrual MethodologyInterest Payment
Class A-1 Notes$— 2.87200%ACT/360$— 
Class A-2a Notes$— 3.74000%30/360$— 
Class A-2b Notes$— 4.88367%ACT/360$— 
Class A-3 Notes$134,634,155.86 3.66000%30/360$410,634.18 
Class A-4 Notes$160,110,000.00 3.69000%30/360$492,338.25 
Class B Notes$19,000,000.00 4.27000%30/360$67,608.33 
Class C Notes$19,000,000.00 4.67000%30/360$73,941.67 
Class D Notes$19,000,000.00 5.40000%30/360$85,500.00 
Total Notes$351,744,155.86 $1,130,022.43 








II. COLLATERAL POOL BALANCE
Beginning of PeriodEnd of Period
Net Pool Balance$380,970,437.54 $353,671,248.83 
Adjusted Pool Balance (Net Pool Balance - YSOC Amount)$356,491,940.15 $331,190,593.26 
Number of Receivables Outstanding43,469 42,161 
Weighted Average Contract Rate3.59 %3.59 %
Weighted Average Remaining Term (months)23.4 22.5 


III. FUNDS AVAILABLE FOR DISTRIBUTION
Available Funds:
a. Collections
Interest Collections$1,141,512.74 
Principal Collections$27,087,996.33 
Liquidation Proceeds$284,515.79 
b. Repurchase Price$— 
c. Optional Purchase Price$— 
d. Reserve Account Excess Amount$— 
Total Available Funds$28,514,024.86 
Reserve Account Draw Amount$— 
Total Funds Available for Distribution$28,514,024.86 


IV. DISTRIBUTION
Calculated AmountAmount PaidShortfallCarryover ShortfallRemaining Available Funds
Servicing Fee$317,475.36 $317,475.36 $— $— $28,196,549.50 
Interest - Class A-1 Notes$— $— $— $— $28,196,549.50 
Interest - Class A-2a Notes$— $— $— $— $28,196,549.50 
Interest - Class A-2b Notes$— $— $— $— $28,196,549.50 
Interest - Class A-3 Notes$410,634.18 $410,634.18 $— $— $27,785,915.32 
Interest - Class A-4 Notes$492,338.25 $492,338.25 $— $— $27,293,577.07 
First Allocation of Principal$— $— $— $— $27,293,577.07 
Interest - Class B Notes$67,608.33 $67,608.33 $— $— $27,225,968.74 
Second Allocation of Principal$— $— $— $— $27,225,968.74 
Interest - Class C Notes$73,941.67 $73,941.67 $— $— $27,152,027.07 
Third Allocation of Principal$1,553,562.60 $1,553,562.60 $— $— $25,598,464.47 
Interest - Class D Notes$85,500.00 $85,500.00 $— $— $25,512,964.47 
Fourth Allocation of Principal$19,000,000.00 $19,000,000.00 $— $— $6,512,964.47 
Reserve Account Deposit Amount$— $— $— $— $6,512,964.47 
Regular Principal Distribution Amount$4,747,784.29 $4,747,784.29 $— $— $1,765,180.18 
Owner Trustee, Indenture Trustee, and ARR Fees & Expenses$— $— $— $— $1,765,180.18 
Remaining Funds to Certificates$1,765,180.18 $1,765,180.18 $— $— $— 
Total$28,514,024.86 $28,514,024.86 $— $— 





V. OVERCOLLATERALIZATION INFORMATION
Yield Supplement Overcollateralization Amount:
Beginning Period YSOC Amount$24,478,497.39 
Increase/(Decrease)$(1,997,841.82)
Ending YSOC Amount$22,480,655.57 
Overcollateralization:Beginning of PeriodEnd of Period
Adjusted Pool Balance$356,491,940.15 $331,190,593.26 
Note Balance$351,744,155.86 $326,442,808.97 
Overcollateralization (Adjusted Pool Balance - Note Balance)$4,747,784.29 $4,747,784.29 
Target Overcollateralization Amount$4,747,784.29 $4,747,784.29 
Overcollateralization Shortfall$— $— 


VI. RESERVE ACCOUNT
Specified Reserve Account Balance$4,747,784.29 
Beginning Reserve Account Balance$4,747,784.29 
Reserve Account Deposit Amount$— 
Reserve Account Draw Amount$— 
Reserve Account Excess Amount$— 
Ending Reserve Account Balance$4,747,784.29 





VII. NET LOSS AND DELINQUENT RECEIVABLES
Net Loss:% of EOP Net Pool Balance# of ReceivablesAmount
Defaulted Receivables during Collection Period (Principal Balance)1
0.06%27$211,192.38 
Liquidation Proceeds of Defaulted Receivables2
0.08%284$284,515.79 
Monthly Net Losses (Liquidation Proceeds)$(73,323.41)
Net Losses as % of Average Pool Balance (annualized)
        Third Preceding Collection Period0.03 %
        Second Preceding Collection Period0.43 %
        Preceding Collection Period(0.35)%
        Current Collection Period(0.24)%
        Four-Month Average Net Loss Ratio(0.03)%
Cumulative Net Losses for All Periods$5,948,979.50 
Cumulative Net Loss Ratio0.29 %
1 The # of Receivables reported as Defaulted does not include any Receivables that have been paid off or have matured and were either paid in full or had a remaining balance of $10.00 or less following the final payment.
2 Liquidation Proceeds include all proceeds on a receivable after it has been charged-off.
Delinquent Receivables:% of EOP Net Pool Balance# of ReceivablesPrincipal Balance
30-59 Days Delinquent0.55%166$1,952,536.99 
60-89 Days Delinquent0.24%67$835,146.08 
90-119 Days Delinquent0.08%21$286,100.62 
120+ Days Delinquent0.00%0$— 
Total Delinquent Receivables0.87%254$3,073,783.69 
Repossession Inventory:# of ReceivablesPrincipal Balance
Repossessed in the Current Collection Period9$118,333.89 
Total Repossessed Inventory16$255,604.08 
60+ Delinquency Percentage:# of ReceivablesAmount
60+ Day Delinquent Receivables88$1,121,246.70 
60+ Delinquencies as % of EOP Net Pool Balance
        Third Preceding Collection Period0.27 %
        Second Preceding Collection Period0.25 %
        Preceding Collection Period0.33 %
        Current Collection Period0.32 %
Delinquency Trigger4.50 %
Current Delinquency Percentage Exceeds Delinquency Trigger? (Yes/No)No


VIII. TEMPORARY FORBEARANCE
The table below presents accounts which received a short-term payment extension in the month of October 2025.
Month-End Balance# of Receivables
($MM)(%)(#)(%)
Total Extensions0.980.28%790.19%