1\begin{tabular}{lrrrrrrrr}2\toprule3Target & Family & N & Base rate & AUC B2 & AUC B5 & $\Delta$ log loss & 95\% CI & GW $p$ \\4\midrule5y adverse netinc & logistic & 53,663 & 0.331 & 0.708 & 0.709 & -0.0005 & [-0.0014, +0.0004] & 0.828 \\6y adverse netinc & lightgbm & 53,663 & 0.331 & 0.758 & 0.757 & +0.0013 & [+0.0000, +0.0023] & 0.081 \\7\addlinespace[2pt]\midrule8y roa decline & logistic & 53,662 & 0.277 & 0.688 & 0.688 & -0.0014 & [-0.0030, -0.0001] & 0.334 \\9y roa decline & lightgbm & 53,662 & 0.277 & 0.722 & 0.724 & +0.0002 & [-0.0010, +0.0015] & 0.484 \\10\addlinespace[2pt]\midrule11y ocf negative & logistic & 52,999 & 0.243 & 0.704 & 0.702 & +0.0078 & [+0.0035, +0.0131] & 0.016 \\12y ocf negative & lightgbm & 52,999 & 0.243 & 0.745 & 0.745 & +0.0022 & [+0.0005, +0.0039] & 0.019 \\13\addlinespace[2pt]\midrule14y liquidity deterioration & logistic & 40,376 & 0.447 & 0.642 & 0.639 & +0.0006 & [-0.0007, +0.0017] & 0.335 \\15y liquidity deterioration & lightgbm & 40,376 & 0.447 & 0.694 & 0.695 & -0.0005 & [-0.0015, +0.0005] & 0.593 \\16\addlinespace[2pt]\midrule17y abs surprise & logistic & 53,667 & 0.628 & 0.783 & 0.785 & +0.0015 & [-0.0003, +0.0037] & 0.067 \\18y abs surprise & lightgbm & 53,667 & 0.628 & 0.836 & 0.835 & +0.0008 & [+0.0002, +0.0013] & 0.008 \\19\addlinespace[2pt]\midrule20y adverse opinc & logistic & 53,667 & 0.315 & 0.738 & 0.738 & +0.0013 & [-0.0013, +0.0041] & 0.518 \\21y adverse opinc & lightgbm & 53,667 & 0.315 & 0.803 & 0.801 & +0.0016 & [+0.0010, +0.0023] & 0.001 \\22\bottomrule23\end{tabular}24