More Subprime Borrowers and Expected Interest Rate Hikes to Drive up 2017 Auto Loan and Credit Card Delinquency Rates

2017 TransUnion credit performance forecast finds delinquency levels still far below recession levels

Ratio of Mortgage Borrowers

60 Days or More Past Due

Q4 2016 to Q4 2017 Include Projections

Ratio of Credit Card Borrowers

90 Days or More Past Due

Q4 2016 to Q4 2017 Include Projections

Ratio of Auto Borrowers

60 Days or More Past Due

Q4 2016 to Q4 2017 Include Projections

Ratio of Personal Loan Borrowers

60 Days or More Past Due

Q4 2016 to Q4 2017 Include Projections

Q3 2016 Industry Insights Report - Mortgage

The mortgage delinquency rate declined 8.4% from 2.50% in Q3 2015 to 2.29% in Q3 2016, the lowest level since Q3 2009.

Mortgage - Delinquency Rates

Mortgage - Average Balance per Consumer

Q3 2016 Industry Insights Report - Auto

Auto loan delinquency reached 1.33% in Q3 2016, up from 1.19% in the third quarter of 2015.

Auto - Delinquency Rates

Auto - Average Balance per Consumer

Q3 2016 Industry Insights Report - Credit

The credit card delinquency rate remained relatively low at 1.53% in Q3 2016, an increase of nine basis points from a Q3 2015 reading of 1.44%.

Credit Cards - Delinquency Rates

Credit Cards - Average Balance per Consumer

Q3 2016 Industry Insights Report - Personal loans

The unsecured personal loan delinquency rate remained stable at 3.30% in Q3 2016, compared to 3.32% in Q3 2015.

Personal Loans- Delinquency Rates

Personal Loans - Average Balance per Consumer