...
        // Accrue interest
        extraAmount =
            (uint256(_totalBorrow.elastic) *
                _accrueInfo.interestPerSecond *
                elapsedTime) /
            1e18;
        _totalBorrow.elastic += uint128(extraAmount);
        
    +    uint256 fullAssetAmount = yieldBox.toAmount(    
    +        assetId,
    +        _totalAsset.elastic,
    +        false
    +    ) + _totalBorrow.elastic;
        //@audit utilization factors in accrual
    +    utilization = fullAssetAmount == 0
    +   ? 0
    +        : (uint256(_totalBorrow.elastic) * UTILIZATION_PRECISION) /
    +        fullAssetAmount;
...
