Delinquency is calculated during end-of-day processing and loans appear delinquent at beginning-of-day processing for the next day.  When the grace on a non-credit card loan ends on a Sunday, delinquency will be more accurately shown to the member in online banking with 7-day processing. 
 
Here is an example to explain why this is the case:

• Without 7-day back office processing, end-of-day processing on Sunday and beginning-of-day processing for Monday are both run late Saturday/early Sunday morning. A member logging on to online banking during the day on Sunday would see a loan showing as delinquent on Sunday, even if the due date isn’t until Monday.

• With 7-day back office processing, the processing is run more real time, which means that during the day on Sunday, the member whose loan is due on Monday would not see the account appearing as delinquent.  Once end-of-day processing for Sunday and beginning-of-day processing for Monday is done early on Monday morning, the account will appear to the member as delinquent, in sync with the actual due date.