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The Contributor Count field indicates how many banks contributed a PD estimate for a given entity. It drives both the publication threshold and the CCRSource classification.

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Publication Thresholds

True Contributor CountCCRSourcePublished Count
1—Not published
2ImpliedMIN
3–4ConsensusMIN
5+Consensus5+
Any count below 5 is published as MIN rather than the actual number. This prevents users from inferring individual bank contributions when the pool is small.

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Implied Ratings

When exactly 2 banks contribute a PD for an entity, Credit Benchmark introduces a third obfuscation point before publishing. This synthetic point is added to prevent reverse engineering of individual bank views from the published average — a concern that is more acute when the contributor pool is very small. The obfuscation point is designed not to move the average, so the published rating still accurately reflects the views of the contributing banks. It adds protection without distorting the signal. The CCRSource field is set to Implied in this case to signal that the published rating is derived from a protected pool rather than a full Consensus.

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When to use CCRSource

Filter on CCRSource = "Consensus" when you want to work only with ratings backed by 3 or more independent bank views. Implied ratings are valid credit signals but carry more uncertainty and a degree of obfuscation by design.