> For the complete documentation index, see [llms.txt](https://docs.aimstrong.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.aimstrong.ai/technical-overview/omni-lending-protocol/users-position.md).

# User’s position

## Net Supply

The **Net Supply** represents the total value of a user’s supplied (collateral) assets, denominated in USD.

## Net Borrowed

The **Net Borrowed** represents the total value of a user’s outstanding borrowings, denominated in USD.

## Net APR

The **Net APR** reflects the user’s effective yield, taking into account both the assets supplied and the assets borrowed. It is calculated using the following formula:

$$
netAPR=\frac{\sum\_{asset}\[(supply(asset)\*supplyAPY(asset) - borrow(asset)\*borrowAPY(asset))\*assetPrice]}{netSupply}
$$

Where:

* **supply(asset)** = The amount of a specific asset supplied to the pool by the user.
* **borrow(asset)** = The amount of the same asset borrowed by the user.
* **supplyAPY(asset)** and **borrowAPY(asset)** = The current annual percentage yield for supplying or borrowing that asset.
* **assetPrice** = The asset’s price in USD.

This metric gives users a clear view of their net earning (or cost) rate across all their supplied and borrowed positions.

* #### Health Factor

The Health Factor indicates the overall safety of a user’s position. It measures how close the account is to liquidation.

* **A Health Factor below 1** means the position is undercollateralized and can be liquidated.

A **Health Factor above 1** means the position is considered healthy.

It is calculated using the formula:

$$
HealthFactor=\frac{\sum\_{asset}\[(supply(asset)\*assetLTV)\*assetPrice]}{netBorrowed}
$$

Where:

* **supply(asset)** = Amount of each asset supplied by the user.
* **assetLTV** = The loan-to-value ratio assigned to that asset.
* **assetPrice** = The price of the asset in USD.
* **NetBorrowed** = Total borrowed value in USD.