Ally Auto Receivables Trust 2022-3

09/19/2024 | Press release | Distributed by Public on 09/19/2024 13:35

Asset Backed Issuer Distribution Report Form 10 D


Statement to Securityholder
Ally Auto Receivables Trust 2022-3
Distribution Information Deal Information
1. Distribution Summary Deal: Ally Auto Receivables Trust 2022-3
2. Factor Summary Asset Type: Consumer Retail
3. Interest Summary Closing Date: 12/14/2022
4. Collections and Distributions Bloomberg Ticker: ALLYA 2022-3
5. Collateral Summary Collection Period, Begin: 8/1/2024
Collection Period, End: 8/31/2024
6. Charge-Off and Delinquency Rates Determination Date: 9/10/2024
Distribution Date: 9/16/2024
7. Credit Instruments
ABS Investor Relations - Ally Bank as Servicer:
8. Performance Tests
Telephone:
(866) 710-4623
E-Mail:
[email protected]
9. Asset Representations Delinquency Triggers
10. Supplemental Disclosures
The Class A-1 Notes, Class B Notes, Class C Notes, and Class D Notes have not been registered under the United States Securities Act of 1933, as amended (the "Securities Act"), or the securities laws of any other jurisdiction. The Class A-1 Notes, Class B Notes, Class C Notes, and the Class D Notes are not transferable, other than to a qualified institutional buyer (as defined in Rule 144A) or pursuant to another exemption under the Securities Act, and subject to satisfaction of certain other provisions of the Indenture.

Page 1 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-3
1. Distribution Summary
Class CUSIP/ Initial Note Beginning Note Note Rate Principal Interest Pass Through Total Principal Interest Ending Note
CUSIP-RegS Principal Balance Principal Balance Distribution Distribution Distribution Distribution Carryover Shortfall Carryover Shortfall Principal Balance
(3) + (4) + (5) = (6) (1) - (3) - (7) = (9)
(1) (2) (3) (4) (5) (6) (7) (8) (9)
A-1 02008DAA7 216,000,000.00 0.00 4.55700000 0.00 0.00 N/A 0.00 0.00 0.00 0.00
A-2 02008DAB5 323,000,000.00 0.00 5.29000000 0.00 0.00 N/A 0.00 0.00 0.00 0.00
A-3 02008DAC3 323,000,000.00 269,131,159.10 5.07000000 20,307,636.92 1,137,079.15 N/A 21,444,716.07 0.00 0.00 248,823,522.18
A-4 02008DAD1 71,120,000.00 71,120,000.00 5.07000000 0.00 300,482.00 N/A 300,482.00 0.00 0.00 71,120,000.00
B 02008DAE9 20,760,000.00 20,760,000.00 5.88000000 0.00 101,724.00 N/A 101,724.00 0.00 0.00 20,760,000.00
C 02008DAF6 17,300,000.00 17,300,000.00 6.37000000 0.00 91,834.17 N/A 91,834.17 0.00 0.00 17,300,000.00
D 02008DAG4 12,850,000.00 12,850,000.00 7.54000000 0.00 80,740.83 N/A 80,740.83 0.00 0.00 12,850,000.00
Certificates N/A N/A N/A N/A N/A 847,369.32 847,369.32 N/A N/A N/A
Deal Totals 984,030,000.00 391,161,159.10 20,307,636.92 1,711,860.15 847,369.32 22,866,866.39 0.00 0.00 370,853,522.18

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Statement to Securityholder
Ally Auto Receivables Trust 2022-3
2. Factor Summary
(Amount per $1,000 of Original Principal)
Class Beginning Note Pool Factor Principal Distribution Factor Interest Distribution Factor Total Distribution Factor Interest Carryover Shortfall Factor Ending Note Pool Factor
A-1 0.0000000 0.0000000 0.0000000 0.0000000 0.0000000 0.0000000
A-2 0.0000000 0.0000000 0.0000000 0.0000000 0.0000000 0.0000000
A-3 833.2234028 62.8719409 3.5203689 66.3923098 0.0000000 770.3514619
A-4 1,000.0000000 0.0000000 4.2250000 4.2250000 0.0000000 1,000.0000000
B 1,000.0000000 0.0000000 4.9000000 4.9000000 0.0000000 1,000.0000000
C 1,000.0000000 0.0000000 5.3083335 5.3083335 0.0000000 1,000.0000000
D 1,000.0000000 0.0000000 6.2833331 6.2833331 0.0000000 1,000.0000000

Beginning Aggregate Note Pool Factor: 397.5093840
Ending Aggregate Note Pool Factor: 376.8721707
Beginning Reserve Account Balance Factor: 1,000.0000000
Reserve Account Draw, distributed to Noteholders, Factor: 0.0000000
Reserve Account Draw, distributed to Certificateholders, Factor: 0.0000000
Ending Reserve Account Balance Factor: 1,000.0000000

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Statement to Securityholder
Ally Auto Receivables Trust 2022-3

3. Interest Summary

A. Target Interest Summary
Class Beginning Note Principal Balance Interest Accrual Period, Start Interest Accrual Period, End Accrual Methodology Applicable Index Margin Fixed Note Rate Target Interest Distribution
A-1 0.00 8/15/2024 9/15/2024 Actual/360 N/A N/A 4.55700000 4.55700000 0.00
A-2 0.00 8/15/2024 9/15/2024 30/360 N/A N/A 5.29000000 5.29000000 0.00
A-3 269,131,159.10 8/15/2024 9/15/2024 30/360 N/A N/A 5.07000000 5.07000000 1,137,079.15
A-4 71,120,000.00 8/15/2024 9/15/2024 30/360 N/A N/A 5.07000000 5.07000000 300,482.00
B 20,760,000.00 8/15/2024 9/15/2024 30/360 N/A N/A 5.88000000 5.88000000 101,724.00
C 17,300,000.00 8/15/2024 9/15/2024 30/360 N/A N/A 6.37000000 6.37000000 91,834.17
D 12,850,000.00 8/15/2024 9/15/2024 30/360 N/A N/A 7.54000000 7.54000000 80,740.83

B. Interest Payment Amount Summary
Class Beginning Unpaid Interest Carryover Shortfall Target Interest Distribution Interest Shortfall Amount Allocated/(Repaid) Actual Interest Distribution

(2) - (3) = (4)
(1) (2) (3) (4) (5)
A-1 0.00 0.00 0.00 0.00 0.00
A-2 0.00 0.00 0.00 0.00 0.00
A-3 0.00 1,137,079.15 0.00 1,137,079.15 0.00
A-4 0.00 300,482.00 0.00 300,482.00 0.00
B 0.00 101,724.00 0.00 101,724.00 0.00
C 0.00 91,834.17 0.00 91,834.17 0.00
D 0.00 80,740.83 0.00 80,740.83 0.00
Deal Totals 0.00 1,711,860.15 0.00 1,711,860.15 0.00

Page 4 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-3
4. Collections and Distributions
Collections
Receipts During the Period 22,618,031.81
Administrative Purchase Payments 318,133.58
Warranty Payments 0.00
Liquidation Proceeds Including Recoveries (Net of Liquidation Expenses) 278,419.45
Other Fees or Expenses Paid 0.00
Total Collections 23,214,584.84
Beginning Reserve Account Balance 2,471,181.60
Total Available Amount 25,685,766.44
Distributions
Total Available Amount 25,685,766.44
Basic Servicing Fee 346,218.45
Amounts owing to the Asset Representations Reviewer, Indenture Trustee, and Vote Tabulation Agent in connection with an Asset Representations Review 0.00
Aggregate Class A Interest Distributable Amount 1,437,561.15
First Priority Principal Distributable Amount 0.00
Aggregate Class B Interest Distributable Amount 101,724.00
Second Priority Principal Distributable Amount 0.00
Aggregate Class C Interest Distributable Amount 91,834.17
Third Priority Principal Distributable Amount 0.00
Aggregate Class D Interest Distributable Amount 80,740.83
Fourth Priority Principal Distributable Amount 7,457,492.61
Reserve Account Deposit 2,471,181.60
Noteholders' Regular Principal Distributable Amount 12,850,144.31
Indenture Trustee expenses 0.00
Unpaid Fees due to Owner Trustee, Indenture Trustee, Administrator and Asset Representations Reviewer 1,500.00
Excess Total Available Amount to the Certificateholders 847,369.32
Supplemental Servicing Fees 44,372.75
Other Fees or Expenses Accrued 0.00
Liquidation Expenses 18,700.00

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Statement to Securityholder
Ally Auto Receivables Trust 2022-3
5. Collateral Summary
A. Balances
Original Balance Beginning Balance Ending Balance
Deal Totals Number of Receivables 61,982 35,770 34,651
Aggregate Receivables Principal Balance 988,472,639.22 404,011,303.41 383,703,666.49
Aggregate Amount Financed 1,028,968,867.29 415,462,140.50 394,373,048.94

There have been no receivables with respect to which material breaches of pool asset representations or warranties or transaction covenants have occurred.

B. Pool Composition - Weighted Averages
Inception Beginning Ending Inception Beginning Ending Inception Beginning Ending
Weighted Weighted Weighted Weighted Weighted Weighted Weighted Weighted Weighted
Average Average Average Average Average Average Average Average Average
Coupon Coupon Coupon Original Original Original Remaining Remaining Remaining
Maturity Maturity Maturity Maturity Maturity Maturity
Deal Totals 6.77000000 6.86734592 6.87402058 70.07 70.98 71.04 50.40 35.61 34.89

C. Pool Composition - Prepayments
Month 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Monthly 1.07% 1.24% 1.15% 1.05% 1.24% 1.12% 1.21% 1.14% 1.09% 1.17% 1.03% 1.14% 0.99% 0.98% 1.04% 1.04% 1.05% 1.10% 1.14% 0.97%
Month 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40
Monthly 1.08 1.12
Month 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
Monthly

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Statement to Securityholder
Ally Auto Receivables Trust 2022-3

6. Charge-Off and Delinquency Rates
A. Current
Charge-Off Rate Delinquency Rate
Average Aggregate
Amount Financed
Number of Units Charged-Off Net Charge-Offs Average Net Charge-Offs Loss Rate Total Accounts Accounts over 60 Percent Delinquent
Current 404,917,594.72 34 243,055.79 7,148.70 0.7203 % 34,651 232 0.6695 %
Preceding 426,182,035.35 27 92,782.48 3,436.39 0.2612 % 35,770 204 0.5703 %
Next Preceding 447,321,097.36 44 353,208.93 8,027.48 0.9475 % 36,864 207 0.5615 %
Third Preceding 469,429,343.83 35 199,495.29 5,699.87 0.5100 % Three Month Average 0.6004 %
Four Month Average 0.6098 %
B. Cumulative
Aggregate Amount Cumulative Net Cumulative Loss Rate Delinquency Total Total Balance Percent
Financed Charge-Offs Stratification Accounts Delinquent
Totals 1,028,968,867.29 5,281,917.18 0.5133 % 31 - 60 days 471 6,750,785.91 1.7118 %
The information contained in this report is defined or determined in a manner consistent with the prospectus for Ally Auto Receivables 61 - 90 days 187 2,943,518.01 0.7464 %
Trust 2022-3 related to delinquencies, charge-offs or uncollectible accounts. 91 - 120 days 43 547,376.30 0.1388 %
> 120 days 2 2,919.98 0.0007 %
There have been no material changes in determining delinquencies, charge-offs or uncollectible amounts.
Bankruptcies Total Accounts Total Balance
Prior Period1
165 2,244,444.28
Additions 17 214,178.93
1. Total Balance for Prior Period reflects the aggregate balance as of the last day of the related Collection Period.
Removals2
11 99,389.96
2. Removals include bankruptcies returned to active status, bankruptcies paid-in-full, and charge-offs on prior period bankruptcies. Ending Inventory 171 2,359,233.25
7. Credit Instruments
A. Reserve Accounts
Account Initial Balance Beginning Balance ADDITIONS REDUCTIONS Ending Balance Specified Reserve
Account Balance
Draws Releases
Cash Reserve 2,471,181.60 2,471,181.60 0.00 0.00 0.00 2,471,181.60 2,471,181.60
Page 7 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-3
8. Performance Tests
Event of Default All Tests Passed
Servicer Default All Tests Passed
Asset Representations Review Delinquency Trigger PASS
Overcollateralization Target reached? YES
Initial Overcollateralization 4,442,639.22
Current Overcollateralization 12,850,144.31
Overcollateralization Target 12,850,144.31
9. Asset Representations Delinquency Triggers
Period 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Trigger Level 1.70% 1.70% 1.70% 1.70% 1.70% 1.70% 1.70% 1.70% 1.70% 1.70% 1.70% 1.70% 2.60% 2.60% 2.60% 2.60% 2.60% 2.60% 2.60% 2.60%
61+ Delinquencies 0.01% 0.13% 0.24% 0.24% 0.20% 0.27% 0.32% 0.32% 0.38% 0.44% 0.48% 0.47% 0.58% 0.59% 0.64% 0.56% 0.51% 0.52% 0.66% 0.73%
Period 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40
Trigger Level 2.60% 2.60% 2.60% 2.60% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10% 3.10% 4.10% 4.10% 4.10% 4.10%
61+ Delinquencies 0.76% 0.89%
Period 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
Trigger Level 4.10% 4.10% 4.10% 4.10% 4.10% 4.10% 4.10% 4.10% 4.10% 4.10% 4.10% 4.10% 4.10% 4.10% 4.10% 4.10% 4.10% 4.10% 4.10% 4.10%
61+ Delinquencies

10. Supplemental Disclosures
Number of Receivables extended during the current Collection Period 187
Other than as disclosed above in Section 10 of this Statement to Securityholder, there have been no material modifications, extensions, or waivers relating to the terms of or fees, penalties or payments on, pool assets during the distribution period or that, cumulatively, have become material over time.

This Servicer Certificate relates only to AART 2022-3. This Servicer Certificate should not be relied upon with respect to any other security. The information contained herein is only an indication of past performance and does not predict how AART 2022-3 will perform in the future.

AART 2022-3 has not been structured with the objective of ensuring compliance with the requirements of the EU Securitization Regulation or the UK Securitization Regulation by any person. Prospective investors are responsible for analyzing their own regulatory position and should consult with their own investment and legal advisors regarding the application of the EU Securitization Regulation, the UK Securitization Regulation or other applicable regulations and the suitability of the notes for investment.

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