skip title
The Federal Reserve Board eagle logo links to home page

Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit


Submitted to the Congress pursuant to section 215 of the Fair and Accurate Credit Transactions Act of 2003
August 2007

printable Print (1.84 MB PDF)

Tables for Figures 6.A.-6.E.

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group

Note. For definition of characteristics, refer to notes to table 9.



Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group

Race or ethnicity (SSA data)
Percent bad
Score Non-
Hispanic
white
Black Hispanic Asian
0 98.54 99.67 99.05 94.77
0.5 97.95 99.23 98.49 94.48
1 97.36 98.80 97.93 94.19
1.5 96.77 98.36 97.38 93.90
2 96.18 97.93 96.82 93.61
2.5 95.58 97.49 96.26 93.32
3 94.99 97.06 95.71 93.03
3.5 94.40 96.62 95.15 92.74
4 93.81 96.18 94.60 92.45
4.5 93.22 95.75 94.04 92.15
5 92.63 95.31 93.48 91.86
5.5 92.04 94.88 92.93 91.57
6 91.45 94.44 92.37 91.28
6.5 90.86 94.01 91.82 90.99
7 90.27 93.57 91.26 90.70
7.5 89.68 93.14 90.70 90.41
8 89.09 92.70 90.15 90.12
8.5 88.50 92.27 89.59 89.83
9 87.91 91.83 89.04 89.54
9.5 87.32 91.39 88.48 89.25
10 86.73 90.96 87.92 88.96
10.5 86.05 90.71 87.42 87.46
11 85.37 90.46 86.92 85.96
11.5 84.69 90.21 86.41 84.46
12 84.01 89.96 85.91 82.96
12.5 83.33 89.70 85.41 81.46
13 82.65 89.45 84.90 79.96
13.5 81.97 89.20 84.40 78.45
14 81.30 88.95 83.89 76.95
14.5 80.62 88.70 83.39 75.45
15 79.94 88.45 82.89 73.95
15.5 79.26 88.20 82.38 72.45
16 78.58 87.95 81.88 70.95
16.5 77.90 87.70 81.38 69.45
17 77.22 87.45 80.87 67.95
17.5 76.54 87.20 80.37 66.45
18 75.86 86.94 79.87 64.95
18.5 75.18 86.69 79.36 63.45
19 74.50 86.44 78.86 61.95
19.5 73.82 86.19 78.35 60.45
20 73.14 85.94 77.85 58.95
20.5 71.27 84.17 75.88 57.78
21 69.41 82.39 73.91 56.60
21.5 67.54 80.62 71.95 55.43
22 65.68 78.84 69.98 54.26
22.5 63.81 77.07 68.01 53.09
23 61.95 75.29 66.04 51.91
23.5 60.08 73.52 64.08 50.74
24 58.22 71.75 62.11 49.57
24.5 56.35 69.97 60.14 48.40
25 54.49 68.20 58.17 47.22
25.5 52.62 66.42 56.20 46.05
26 50.76 64.65 54.24 44.88
26.5 48.89 62.87 52.27 43.71
27 47.03 61.10 50.30 42.53
27.5 45.16 59.33 48.33 41.36
28 43.30 57.55 46.36 40.19
28.5 41.43 55.78 44.40 39.02
29 39.57 54.00 42.43 37.84
29.5 37.70 52.23 40.46 36.67
30 35.84 50.45 38.49 35.50
30.5 34.91 49.37 37.74 34.37
31 33.99 48.29 36.99 33.24
31.5 33.07 47.21 36.24 32.11
32 32.15 46.12 35.49 30.98
32.5 31.23 45.04 34.74 29.85
33 30.31 43.96 33.99 28.72
33.5 29.39 42.88 33.24 27.59
34 28.47 41.80 32.49 26.46
34.5 27.55 40.71 31.74 25.33
35 26.63 39.63 30.99 24.20
35.5 25.71 38.55 30.24 23.08
36 24.79 37.47 29.49 21.95
36.5 23.86 36.38 28.74 20.82
37 22.94 35.30 27.99 19.69
37.5 22.02 34.22 27.24 18.56
38 21.10 33.14 26.49 17.43
38.5 20.18 32.06 25.74 16.30
39 19.26 30.97 24.99 15.17
39.5 18.34 29.89 24.24 14.04
40 17.42 28.81 23.49 12.91
40.5 16.96 28.11 22.99 12.73
41 16.51 27.40 22.48 12.54
41.5 16.05 26.70 21.97 12.36
42 15.59 25.99 21.46 12.17
42.5 15.14 25.29 20.95 11.99
43 14.68 24.59 20.44 11.80
43.5 14.23 23.88 19.93 11.62
44 13.77 23.18 19.42 11.44
44.5 13.31 22.47 18.91 11.25
45 12.86 21.77 18.40 11.07
45.5 12.40 21.07 17.89 10.88
46 11.94 20.36 17.38 10.70
46.5 11.49 19.66 16.87 10.51
47 11.03 18.96 16.36 10.33
47.5 10.58 18.25 15.85 10.15
48 10.12 17.55 15.34 9.96
48.5 9.66 16.84 14.84 9.78
49 9.21 16.14 14.33 9.59
49.5 8.75 15.44 13.82 9.41
50 8.30 14.73 13.31 9.22
50.5 8.11 14.60 13.09 8.94
51 7.93 14.46 12.86 8.66
51.5 7.75 14.33 12.64 8.38
52 7.57 14.19 12.42 8.10
52.5 7.39 14.06 12.20 7.82
53 7.21 13.92 11.98 7.54
53.5 7.03 13.79 11.76 7.26
54 6.85 13.65 11.54 6.98
54.5 6.66 13.52 11.32 6.70
55 6.48 13.38 11.09 6.42
55.5 6.30 13.24 10.87 6.14
56 6.12 13.11 10.65 5.86
56.5 5.94 12.97 10.43 5.58
57 5.76 12.84 10.21 5.30
57.5 5.58 12.70 9.99 5.02
58 5.40 12.57 9.77 4.74
58.5 5.22 12.43 9.55 4.46
59 5.03 12.30 9.32 4.18
59.5 4.85 12.16 9.10 3.90
60 4.67 12.03 8.88 3.62
60.5 4.58 11.81 8.75 3.69
61 4.49 11.59 8.62 3.75
61.5 4.39 11.38 8.50 3.81
62 4.30 11.16 8.37 3.87
62.5 4.21 10.94 8.24 3.93
63 4.12 10.72 8.11 3.99
63.5 4.03 10.51 7.98 4.05
64 3.93 10.29 7.85 4.11
64.5 3.84 10.07 7.72 4.17
65 3.75 9.85 7.59 4.23
65.5 3.66 9.64 7.46 4.30
66 3.56 9.42 7.33 4.36
66.5 3.47 9.20 7.20 4.42
67 3.38 8.99 7.08 4.48
67.5 3.29 8.77 6.95 4.54
68 3.20 8.55 6.82 4.60
68.5 3.10 8.33 6.69 4.66
69 3.01 8.12 6.56 4.72
69.5 2.92 7.90 6.43 4.78
70 2.83 7.68 6.30 4.84
70.5 2.77 7.51 6.15 4.71
71 2.71 7.34 5.99 4.58
71.5 2.66 7.16 5.84 4.45
72 2.60 6.99 5.69 4.32
73 2.49 6.64 5.38 4.05
73.5 2.43 6.47 5.22 3.92
74 2.37 6.30 5.07 3.79
74.5 2.32 6.12 4.92 3.66
75 2.26 5.95 4.76 3.52
75.5 2.21 5.78 4.61 3.39
76 2.15 5.60 4.46 3.26
76.5 2.09 5.43 4.30 3.13
77 2.04 5.26 4.15 3.00
78 1.92 4.91 3.84 2.73
78.5 1.87 4.74 3.69 2.60
79 1.81 4.57 3.53 2.47
79.5 1.75 4.39 3.38 2.34
80 1.70 4.22 3.22 2.20
80.5 1.69 4.27 3.16 2.15
81 1.68 4.32 3.10 2.09
81.5 1.66 4.37 3.04 2.03
82 1.65 4.42 2.97 1.98
82.5 1.64 4.47 2.91 1.92
83 1.63 4.52 2.85 1.86
83.5 1.62 4.57 2.79 1.80
84 1.61 4.62 2.72 1.75
84.5 1.60 4.67 2.66 1.69
85 1.58 4.72 2.60 1.63
85.5 1.57 4.77 2.53 1.58
86 1.56 4.82 2.47 1.52
86.5 1.55 4.87 2.41 1.46
87 1.54 4.92 2.35 1.41
87.5 1.53 4.97 2.28 1.35
88 1.52 5.02 2.22 1.29
88.5 1.50 5.07 2.16 1.23
89 1.49 5.13 2.10 1.18
89.5 1.48 5.18 2.03 1.12
90 1.47 5.23 1.97 1.06
90.5 1.44 5.01 1.92 1.05
91 1.41 4.80 1.86 1.04
91.5 1.38 4.59 1.81 1.02
92 1.35 4.37 1.75 1.01
93 1.30 3.95 1.64 0.98
93.5 1.27 3.73 1.58 0.97
94 1.24 3.52 1.53 0.95
94.5 1.21 3.31 1.47 0.94
95 1.18 3.10 1.42 0.93
95.5 1.15 2.88 1.36 0.91
96 1.13 2.67 1.31 0.90
96.5 1.10 2.46 1.25 0.88
97 1.07 2.24 1.20 0.87
97.5 1.04 2.03 1.14 0.86
98 1.01 1.82 1.09 0.84
98.5 0.98 1.60 1.03 0.83
99 0.95 1.39 0.98 0.82
99.5 0.93 1.18 0.92 0.80
100 0.90 0.96 0.87 0.79

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group

Race or ethnicity (location-based distribution)
Percent bad
Score Non-
Hispanic
white
Black Hispanic Asian
0 98.73 99.18 99.01 98.86
0.5 98.17 98.76 98.47 98.28
1 97.61 98.33 97.93 97.70
1.5 97.06 97.90 97.39 97.13
2 96.50 97.47 96.85 96.55
2.5 95.95 97.05 96.32 95.97
3 95.39 96.62 95.78 95.40
3.5 94.84 96.19 95.24 94.82
4 94.28 95.77 94.70 94.25
4.5 93.73 95.34 94.17 93.67
5 93.17 94.91 93.63 93.09
5.5 92.61 94.48 93.09 92.52
6 92.06 94.06 92.55 91.94
6.5 91.50 93.63 92.01 91.37
7 90.95 93.20 91.48 90.79
7.5 90.39 92.78 90.94 90.21
8 89.84 92.35 90.40 89.64
8.5 89.28 91.92 89.86 89.06
9 88.72 91.49 89.32 88.49
9.5 88.17 91.07 88.79 87.91
10 87.61 90.64 88.25 87.33
10.5 86.98 90.30 87.73 86.49
11 86.35 89.95 87.20 85.64
11.5 85.72 89.61 86.68 84.80
12 85.09 89.26 86.16 83.95
12.5 84.46 88.92 85.63 83.10
13 83.83 88.57 85.11 82.26
13.5 83.20 88.23 84.59 81.41
14 82.57 87.88 84.06 80.57
14.5 81.94 87.54 83.54 79.72
15 81.31 87.19 83.02 78.87
15.5 80.68 86.85 82.49 78.03
16 80.05 86.50 81.97 77.18
16.5 79.42 86.16 81.45 76.34
17 78.79 85.81 80.93 75.49
17.5 78.16 85.47 80.40 74.64
18 77.53 85.12 79.88 73.80
18.5 76.90 84.78 79.36 72.95
19 76.26 84.43 78.83 72.11
19.5 75.63 84.09 78.31 71.26
20 75.00 83.74 77.79 70.41
20.5 73.09 81.85 75.80 68.61
21 71.18 79.96 73.81 66.81
21.5 69.27 78.07 71.83 65.01
22 67.36 76.18 69.84 63.21
22.5 65.46 74.29 67.85 61.41
23 63.55 72.40 65.86 59.61
23.5 61.64 70.51 63.88 57.81
24 59.73 68.62 61.89 56.01
24.5 57.82 66.72 59.90 54.21
25 55.91 64.83 57.92 52.40
25.5 54.00 62.94 55.93 50.60
26 52.09 61.05 53.94 48.80
26.5 50.18 59.16 51.96 47.00
27 48.27 57.27 49.97 45.20
27.5 46.36 55.38 47.98 43.40
28 44.45 53.49 45.99 41.60
28.5 42.54 51.60 44.01 39.80
29 40.63 49.71 42.02 38.00
29.5 38.72 47.82 40.03 36.20
30 36.81 45.93 38.05 34.39
30.5 35.89 44.85 37.29 33.51
31 34.98 43.77 36.54 32.63
31.5 34.06 42.69 35.79 31.75
32 33.14 41.61 35.04 30.86
32.5 32.23 40.53 34.28 29.98
33 31.31 39.45 33.53 29.10
33.5 30.40 38.37 32.78 28.22
34 29.48 37.29 32.02 27.33
34.5 28.57 36.21 31.27 26.45
35 27.65 35.13 30.52 25.57
35.5 26.73 34.05 29.77 24.69
36 25.82 32.97 29.01 23.80
36.5 24.90 31.89 28.26 22.92
37 23.99 30.81 27.51 22.04
37.5 23.07 29.74 26.76 21.16
38 22.15 28.66 26.00 20.27
38.5 21.24 27.58 25.25 19.39
39 20.32 26.50 24.50 18.51
39.5 19.41 25.42 23.75 17.63
40 18.49 24.34 22.99 16.74
40.5 17.98 23.75 22.43 16.33
41 17.47 23.15 21.87 15.91
41.5 16.96 22.56 21.31 15.49
42 16.45 21.97 20.75 15.08
42.5 15.94 21.37 20.18 14.66
43 15.43 20.78 19.62 14.24
43.5 14.92 20.19 19.06 13.82
44 14.41 19.59 18.50 13.41
44.5 13.90 19.00 17.94 12.99
45 13.39 18.41 17.38 12.57
45.5 12.88 17.82 16.81 12.16
46 12.37 17.22 16.25 11.74
46.5 11.86 16.63 15.69 11.32
47 11.35 16.04 15.13 10.91
47.5 10.84 15.44 14.57 10.49
48 10.33 14.85 14.01 10.07
48.5 9.82 14.26 13.44 9.66
49 9.31 13.67 12.88 9.24
49.5 8.80 13.07 12.32 8.82
50 8.29 12.48 11.76 8.41
50.5 8.14 12.27 11.55 8.24
51 7.98 12.07 11.35 8.07
51.5 7.83 11.86 11.14 7.90
52 7.67 11.66 10.93 7.73
52.5 7.52 11.45 10.73 7.56
53 7.36 11.25 10.52 7.39
53.5 7.21 11.04 10.31 7.22
54 7.05 10.84 10.11 7.05
54.5 6.90 10.63 9.90 6.88
55 6.74 10.43 9.69 6.71
55.5 6.59 10.22 9.49 6.54
56 6.43 10.02 9.28 6.37
56.5 6.28 9.81 9.07 6.20
57 6.12 9.61 8.87 6.03
57.5 5.97 9.40 8.66 5.86
58 5.81 9.20 8.45 5.68
58.5 5.66 8.99 8.25 5.51
59 5.50 8.79 8.04 5.34
59.5 5.35 8.58 7.83 5.17
60 5.20 8.38 7.63 5.00
60.5 5.08 8.19 7.46 4.93
61 4.97 8.00 7.29 4.86
61.5 4.85 7.81 7.12 4.79
62 4.74 7.62 6.95 4.71
62.5 4.63 7.43 6.78 4.64
63 4.51 7.24 6.61 4.57
63.5 4.40 7.05 6.44 4.50
64 4.29 6.86 6.27 4.42
64.5 4.17 6.67 6.10 4.35
65 4.06 6.48 5.93 4.28
65.5 3.94 6.29 5.77 4.21
66 3.83 6.10 5.60 4.13
66.5 3.72 5.91 5.43 4.06
67 3.60 5.72 5.26 3.99
67.5 3.49 5.53 5.09 3.92
68 3.38 5.34 4.92 3.84
68.5 3.26 5.15 4.75 3.77
69 3.15 4.96 4.58 3.70
69.5 3.03 4.77 4.41 3.63
70 2.92 4.58 4.24 3.55
70.5 2.86 4.50 4.19 3.49
71 2.80 4.42 4.14 3.43
71.5 2.74 4.34 4.08 3.37
72 2.68 4.26 4.03 3.31
73 2.57 4.10 3.92 3.18
73.5 2.51 4.02 3.87 3.12
74 2.45 3.94 3.81 3.06
74.5 2.39 3.86 3.76 2.99
75 2.33 3.78 3.70 2.93
75.5 2.27 3.70 3.65 2.87
76 2.21 3.62 3.60 2.81
76.5 2.15 3.54 3.54 2.75
77 2.09 3.46 3.49 2.68
78 1.97 3.30 3.38 2.56
78.5 1.91 3.23 3.33 2.50
79 1.85 3.15 3.27 2.43
79.5 1.80 3.07 3.22 2.37
80 1.74 2.99 3.17 2.31
80.5 1.73 2.97 3.09 2.28
81 1.71 2.95 3.02 2.25
81.5 1.70 2.94 2.94 2.22
82 1.69 2.92 2.87 2.19
82.5 1.68 2.90 2.80 2.16
83 1.67 2.89 2.72 2.13
83.5 1.66 2.87 2.65 2.10
84 1.64 2.85 2.57 2.07
84.5 1.63 2.84 2.50 2.04
85 1.62 2.82 2.43 2.01
85.5 1.61 2.80 2.35 1.97
86 1.60 2.79 2.28 1.94
86.5 1.59 2.77 2.20 1.91
87 1.58 2.75 2.13 1.88
87.5 1.56 2.74 2.06 1.85
88 1.55 2.72 1.98 1.82
88.5 1.54 2.70 1.91 1.79
89 1.53 2.69 1.83 1.76
89.5 1.52 2.67 1.76 1.73
90 1.51 2.65 1.69 1.70
90.5 1.48 2.59 1.66 1.65
91 1.45 2.53 1.64 1.61
91.5 1.42 2.47 1.61 1.56
92 1.39 2.42 1.59 1.52
93 1.33 2.30 1.54 1.42
93.5 1.30 2.24 1.52 1.38
94 1.27 2.18 1.49 1.33
94.5 1.24 2.12 1.47 1.29
95 1.21 2.06 1.44 1.24
95.5 1.18 2.00 1.42 1.19
96 1.15 1.94 1.39 1.15
96.5 1.12 1.88 1.37 1.10
97 1.09 1.82 1.35 1.06
97.5 1.06 1.76 1.32 1.01
98 1.03 1.70 1.30 0.96
98.5 1.00 1.64 1.27 0.92
99 0.97 1.58 1.25 0.87
99.5 0.94 1.52 1.22 0.83
100 0.91 1.46 1.20 0.78

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group

Sex
Percent bad
Score Male Female
0 99.61 98.40
0.5 99.02 97.90
1 98.42 97.40
1.5 97.82 96.90
2 97.23 96.40
2.5 96.63 95.90
3 96.03 95.40
3.5 95.44 94.90
4 94.84 94.40
4.5 94.25 93.90
5 93.65 93.40
5.5 93.05 92.90
6 92.46 92.40
6.5 91.86 91.90
7 91.26 91.40
7.5 90.67 90.90
8 90.07 90.40
8.5 89.47 89.89
9 88.88 89.39
9.5 88.28 88.89
10 87.69 88.39
10.5 87.08 87.82
11 86.47 87.25
11.5 85.87 86.68
12 85.26 86.11
12.5 84.66 85.54
13 84.05 84.96
13.5 83.44 84.39
14 82.84 83.82
14.5 82.23 83.25
15 81.63 82.68
15.5 81.02 82.11
16 80.41 81.54
16.5 79.81 80.96
17 79.20 80.39
17.5 78.60 79.82
18 77.99 79.25
18.5 77.38 78.68
19 76.78 78.11
19.5 76.17 77.53
20 75.57 76.96
20.5 73.64 75.05
21 71.72 73.13
21.5 69.80 71.22
22 67.88 69.31
22.5 65.96 67.39
23 64.04 65.48
23.5 62.11 63.56
24 60.19 61.65
24.5 58.27 59.74
25 56.35 57.82
25.5 54.43 55.91
26 52.50 53.99
26.5 50.58 52.08
27 48.66 50.17
27.5 46.74 48.25
28 44.82 46.34
28.5 42.89 44.42
29 40.97 42.51
29.5 39.05 40.59
30 37.13 38.68
30.5 36.21 37.71
31 35.29 36.74
31.5 34.38 35.77
32 33.46 34.80
32.5 32.54 33.83
33 31.62 32.87
33.5 30.71 31.90
34 29.79 30.93
34.5 28.87 29.96
35 27.95 28.99
35.5 27.04 28.02
36 26.12 27.05
36.5 25.20 26.08
37 24.28 25.11
37.5 23.36 24.14
38 22.45 23.17
38.5 21.53 22.20
39 20.61 21.23
39.5 19.69 20.26
40 18.78 19.30
40.5 18.28 18.79
41 17.79 18.28
41.5 17.30 17.77
42 16.80 17.26
42.5 16.31 16.76
43 15.82 16.25
43.5 15.32 15.74
44 14.83 15.23
44.5 14.34 14.73
45 13.84 14.22
45.5 13.35 13.71
46 12.86 13.20
46.5 12.37 12.70
47 11.87 12.19
47.5 11.38 11.68
48 10.89 11.17
48.5 10.39 10.67
49 9.90 10.16
49.5 9.41 9.65
50 8.91 9.14
50.5 8.72 8.97
51 8.54 8.79
51.5 8.35 8.61
52 8.16 8.43
52.5 7.97 8.26
53 7.79 8.08
53.5 7.60 7.90
54 7.41 7.73
54.5 7.22 7.55
55 7.04 7.37
55.5 6.85 7.19
56 6.66 7.02
56.5 6.47 6.84
57 6.29 6.66
57.5 6.10 6.49
58 5.91 6.31
58.5 5.72 6.13
59 5.54 5.95
59.5 5.35 5.78
60 5.16 5.60
60.5 5.09 5.46
61 5.02 5.33
61.5 4.95 5.20
62 4.88 5.06
62.5 4.80 4.93
63 4.73 4.79
63.5 4.66 4.66
64 4.59 4.52
64.5 4.52 4.39
65 4.45 4.25
65.5 4.38 4.12
66 4.30 3.98
66.5 4.23 3.85
67 4.16 3.71
67.5 4.09 3.58
68 4.02 3.44
68.5 3.95 3.31
69 3.88 3.17
69.5 3.80 3.04
70 3.73 2.90
70.5 3.63 2.86
71 3.53 2.81
71.5 3.44 2.77
72 3.34 2.72
73 3.14 2.63
73.5 3.04 2.58
74 2.94 2.54
74.5 2.84 2.49
75 2.74 2.45
75.5 2.64 2.40
76 2.54 2.35
76.5 2.44 2.31
77 2.35 2.26
78 2.15 2.17
78.5 2.05 2.13
79 1.95 2.08
79.5 1.85 2.03
80 1.75 1.99
80.5 1.75 1.96
81 1.75 1.94
81.5 1.75 1.91
82 1.75 1.89
82.5 1.75 1.86
83 1.75 1.84
83.5 1.75 1.81
84 1.75 1.79
84.5 1.75 1.76
85 1.75 1.74
85.5 1.75 1.71
86 1.75 1.69
86.5 1.75 1.66
87 1.75 1.64
87.5 1.75 1.61
88 1.75 1.59
88.5 1.75 1.56
89 1.75 1.54
89.5 1.75 1.51
90 1.75 1.49
90.5 1.71 1.45
91 1.67 1.42
91.5 1.63 1.39
92 1.59 1.36
93 1.51 1.29
93.5 1.47 1.26
94 1.43 1.23
94.5 1.39 1.20
95 1.35 1.16
95.5 1.31 1.13
96 1.27 1.10
96.5 1.23 1.07
97 1.19 1.03
97.5 1.15 1.00
98 1.11 0.97
98.5 1.07 0.94
99 1.03 0.91
99.5 0.99 0.87
100 0.95 0.84

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group

Age (years)
Percent bad
Score Younger
than 30
30-39 40-49 50-61 62 or
older
0 99.95 99.35 98.46 97.37 95.88
0.5 99.35 98.83 97.97 96.89 95.41
1 98.76 98.30 97.47 96.42 94.94
1.5 98.16 97.78 96.98 95.94 94.46
2 97.57 97.25 96.48 95.47 93.99
2.5 96.97 96.72 95.99 94.99 93.51
3 96.38 96.20 95.49 94.52 93.04
3.5 95.78 95.67 95.00 94.04 92.56
4 95.19 95.15 94.50 93.57 92.09
4.5 94.60 94.62 94.01 93.09 91.62
5 94.00 94.09 93.51 92.61 91.14
5.5 93.41 93.57 93.01 92.14 90.67
6 92.81 93.04 92.52 91.66 90.19
6.5 92.22 92.52 92.02 91.19 89.72
7 91.62 91.99 91.53 90.71 89.25
7.5 91.03 91.46 91.03 90.24 88.77
8 90.44 90.94 90.54 89.76 88.30
8.5 89.84 90.41 90.04 89.29 87.82
9 89.25 89.89 89.55 88.81 87.35
9.5 88.65 89.36 89.05 88.34 86.87
10 88.06 88.83 88.56 87.86 86.40
10.5 87.93 88.18 87.83 87.02 85.35
11 87.79 87.52 87.10 86.17 84.31
11.5 87.66 86.86 86.37 85.33 83.26
12 87.53 86.21 85.64 84.49 82.21
12.5 87.40 85.55 84.91 83.64 81.17
13 87.26 84.89 84.19 82.80 80.12
13.5 87.13 84.24 83.46 81.95 79.07
14 87.00 83.58 82.73 81.11 78.03
14.5 86.87 82.93 82.00 80.26 76.98
15 86.73 82.27 81.27 79.42 75.94
15.5 86.60 81.61 80.54 78.58 74.89
16 86.47 80.96 79.82 77.73 73.84
16.5 86.34 80.30 79.09 76.89 72.80
17 86.21 79.64 78.36 76.04 71.75
17.5 86.07 78.99 77.63 75.20 70.70
18 85.94 78.33 76.90 74.35 69.66
18.5 85.81 77.67 76.17 73.51 68.61
19 85.68 77.02 75.45 72.67 67.56
19.5 85.54 76.36 74.72 71.82 66.52
20 85.41 75.70 73.99 70.98 65.47
20.5 83.03 73.79 72.25 69.31 64.05
21 80.65 71.88 70.52 67.65 62.64
21.5 78.27 69.96 68.79 65.99 61.22
22 75.88 68.05 67.05 64.33 59.81
22.5 73.50 66.13 65.32 62.66 58.39
23 71.12 64.22 63.58 61.00 56.98
23.5 68.74 62.30 61.85 59.34 55.56
24 66.36 60.39 60.12 57.68 54.15
24.5 63.97 58.47 58.38 56.01 52.73
25 61.59 56.56 56.65 54.35 51.32
25.5 59.21 54.64 54.91 52.69 49.90
26 56.83 52.73 53.18 51.03 48.49
26.5 54.45 50.82 51.45 49.37 47.07
27 52.06 48.90 49.71 47.70 45.66
27.5 49.68 46.99 47.98 46.04 44.24
28 47.30 45.07 46.24 44.38 42.83
28.5 44.92 43.16 44.51 42.72 41.41
29 42.54 41.24 42.78 41.05 40.00
29.5 40.15 39.33 41.04 39.39 38.58
30 37.77 37.41 39.31 37.73 37.17
30.5 36.92 36.44 38.24 36.77 36.32
31 36.06 35.47 37.17 35.81 35.48
31.5 35.21 34.50 36.11 34.85 34.63
32 34.35 33.54 35.04 33.88 33.78
32.5 33.50 32.57 33.98 32.92 32.93
33 32.64 31.60 32.91 31.96 32.09
33.5 31.79 30.63 31.84 31.00 31.24
34 30.93 29.66 30.78 30.04 30.39
34.5 30.08 28.69 29.71 29.08 29.55
35 29.22 27.72 28.64 28.12 28.70
35.5 28.36 26.75 27.58 27.16 27.85
36 27.51 25.78 26.51 26.19 27.00
36.5 26.65 24.81 25.44 25.23 26.16
37 25.80 23.84 24.38 24.27 25.31
37.5 24.94 22.87 23.31 23.31 24.46
38 24.09 21.90 22.24 22.35 23.62
38.5 23.23 20.93 21.18 21.39 22.77
39 22.38 19.96 20.11 20.43 21.92
39.5 21.52 18.99 19.04 19.47 21.07
40 20.67 18.02 17.98 18.51 20.23
40.5 20.13 17.54 17.53 18.03 19.65
41 19.60 17.05 17.08 17.56 19.07
41.5 19.06 16.56 16.63 17.09 18.50
42 18.53 16.07 16.19 16.62 17.92
42.5 17.99 15.58 15.74 16.15 17.34
43 17.46 15.09 15.29 15.68 16.76
43.5 16.92 14.60 14.84 15.21 16.19
44 16.39 14.11 14.40 14.74 15.61
44.5 15.85 13.62 13.95 14.27 15.03
45 15.32 13.13 13.50 13.79 14.46
45.5 14.78 12.65 13.05 13.32 13.88
46 14.25 12.16 12.60 12.85 13.30
46.5 13.72 11.67 12.16 12.38 12.72
47 13.18 11.18 11.71 11.91 12.15
47.5 12.65 10.69 11.26 11.44 11.57
48 12.11 10.20 10.81 10.97 10.99
48.5 11.58 9.71 10.37 10.50 10.42
49 11.04 9.22 9.92 10.03 9.84
49.5 10.51 8.73 9.47 9.56 9.26
50 9.97 8.24 9.02 9.08 8.68
50.5 9.74 8.11 8.82 8.87 8.58
51 9.50 7.98 8.61 8.67 8.47
51.5 9.27 7.85 8.40 8.46 8.36
52 9.03 7.72 8.20 8.25 8.25
52.5 8.80 7.59 7.99 8.04 8.14
53 8.56 7.46 7.79 7.83 8.03
53.5 8.33 7.33 7.58 7.62 7.92
54 8.09 7.19 7.37 7.41 7.81
54.5 7.86 7.06 7.17 7.20 7.70
55 7.62 6.93 6.96 6.99 7.60
55.5 7.39 6.80 6.76 6.78 7.49
56 7.15 6.67 6.55 6.57 7.38
56.5 6.92 6.54 6.34 6.36 7.27
57 6.68 6.41 6.14 6.15 7.16
57.5 6.45 6.27 5.93 5.94 7.05
58 6.21 6.14 5.72 5.74 6.94
58.5 5.97 6.01 5.52 5.53 6.83
59 5.74 5.88 5.31 5.32 6.72
59.5 5.50 5.75 5.11 5.11 6.62
60 5.27 5.62 4.90 4.90 6.51
60.5 5.16 5.53 4.78 4.82 6.37
61 5.05 5.44 4.66 4.74 6.23
61.5 4.94 5.34 4.54 4.66 6.09
62 4.83 5.25 4.42 4.58 5.95
62.5 4.72 5.16 4.30 4.50 5.81
63 4.62 5.07 4.18 4.42 5.68
63.5 4.51 4.98 4.06 4.35 5.54
64 4.40 4.89 3.94 4.27 5.40
64.5 4.29 4.79 3.82 4.19 5.26
65 4.18 4.70 3.70 4.11 5.12
65.5 4.07 4.61 3.58 4.03 4.98
66 3.96 4.52 3.46 3.95 4.84
66.5 3.85 4.43 3.34 3.87 4.70
67 3.74 4.34 3.22 3.79 4.57
67.5 3.63 4.24 3.10 3.72 4.43
68 3.53 4.15 2.98 3.64 4.29
68.5 3.42 4.06 2.86 3.56 4.15
69 3.31 3.97 2.74 3.48 4.01
69.5 3.20 3.88 2.62 3.40 3.87
70 3.09 3.79 2.50 3.32 3.73
70.5 3.08 3.68 2.46 3.24 3.65
71 3.06 3.58 2.42 3.15 3.57
71.5 3.04 3.48 2.39 3.07 3.48
72 3.03 3.38 2.35 2.99 3.40
73 3.00 3.18 2.28 2.82 3.24
73.5 2.98 3.08 2.24 2.74 3.15
74 2.97 2.98 2.21 2.65 3.07
74.5 2.95 2.88 2.17 2.57 2.99
75 2.94 2.78 2.13 2.48 2.90
75.5 2.92 2.67 2.10 2.40 2.82
76 2.91 2.57 2.06 2.32 2.74
76.5 2.89 2.47 2.03 2.23 2.65
77 2.88 2.37 1.99 2.15 2.57
78 2.85 2.17 1.92 1.98 2.41
78.5 2.83 2.07 1.88 1.90 2.32
79 2.82 1.97 1.85 1.81 2.24
79.5 2.80 1.87 1.81 1.73 2.16
80 2.79 1.76 1.77 1.65 2.07
80.5 2.65 1.75 1.76 1.64 2.06
81 2.52 1.73 1.75 1.63 2.05
81.5 2.38 1.71 1.74 1.62 2.03
82 2.25 1.69 1.73 1.61 2.02
82.5 2.11 1.67 1.71 1.61 2.01
83 1.97 1.65 1.70 1.60 1.99
83.5 1.84 1.63 1.69 1.59 1.98
84 1.70 1.61 1.68 1.58 1.97
84.5 1.57 1.60 1.67 1.57 1.95
85 1.43 1.58 1.65 1.56 1.94
85.5 1.29 1.56 1.64 1.56 1.93
86 1.16 1.54 1.63 1.55 1.91
86.5 1.02 1.52 1.62 1.54 1.90
87 0.89 1.50 1.61 1.53 1.89
87.5 0.75 1.48 1.59 1.52 1.87
88 0.62 1.46 1.58 1.51 1.86
88.5 0.48 1.45 1.57 1.51 1.85
89 0.34 1.43 1.56 1.50 1.83
89.5 0.21 1.41 1.55 1.49 1.82
90 0.07 1.39 1.54 1.48 1.81
90.5 0.07 1.33 1.47 1.44 1.78
91 0.06 1.27 1.40 1.39 1.75
91.5 0.05 1.20 1.34 1.34 1.73
92 0.05 1.14 1.27 1.30 1.70
93 0.03 1.02 1.14 1.20 1.64
93.5 0.03 0.96 1.07 1.16 1.62
94 0.02 0.90 1.00 1.11 1.59
94.5 0.01 0.83 0.94 1.07 1.56
95 0.01 0.77 0.87 1.02 1.54
95.5 0.00 0.71 0.81 0.97 1.51
96 0.00 0.65 0.74 0.93 1.48
96.5 0.00 0.59 0.67 0.88 1.46
97 0.00 0.52 0.61 0.83 1.43
97.5 0.00 0.46 0.54 0.79 1.40
98 0.00 0.40 0.47 0.74 1.37
98.5 0.00 0.34 0.41 0.70 1.35
99 0.00 0.28 0.34 0.65 1.32
99.5 0.00 0.22 0.28 0.60 1.29
100 0.00 0.15 0.21 0.56 1.27

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group

Marital status
Percent bad
Score Married
male
Single
male
Married
female
Single
female
0 99.33 99.10 97.09 98.52
0.5 98.72 98.59 96.66 98.02
1 98.11 98.08 96.24 97.53
1.5 97.50 97.57 95.81 97.03
2 96.90 97.06 95.39 96.54
2.5 96.29 96.55 94.97 96.05
3 95.68 96.04 94.54 95.55
3.5 95.07 95.52 94.12 95.06
4 94.47 95.01 93.69 94.56
4.5 93.86 94.50 93.27 94.07
5 93.25 93.99 92.85 93.58
5.5 92.64 93.48 92.42 93.08
6 92.03 92.97 92.00 92.59
6.5 91.43 92.46 91.57 92.10
7 90.82 91.94 91.15 91.60
7.5 90.21 91.43 90.73 91.11
8 89.60 90.92 90.30 90.61
8.5 88.99 90.41 89.88 90.12
9 88.39 89.90 89.45 89.63
9.5 87.78 89.39 89.03 89.13
10 87.17 88.88 88.61 88.64
10.5 86.38 88.19 87.75 88.03
11 85.60 87.51 86.89 87.42
11.5 84.81 86.82 86.03 86.81
12 84.02 86.14 85.17 86.20
12.5 83.24 85.45 84.31 85.59
13 82.45 84.76 83.46 84.98
13.5 81.66 84.08 82.60 84.37
14 80.88 83.39 81.74 83.76
14.5 80.09 82.71 80.88 83.16
15 79.30 82.02 80.02 82.55
15.5 78.52 81.34 79.16 81.94
16 77.73 80.65 78.31 81.33
16.5 76.94 79.97 77.45 80.72
17 76.16 79.28 76.59 80.11
17.5 75.37 78.60 75.73 79.50
18 74.58 77.91 74.87 78.89
18.5 73.80 77.23 74.01 78.28
19 73.01 76.54 73.16 77.67
19.5 72.22 75.86 72.30 77.06
20 71.44 75.17 71.44 76.45
20.5 69.69 73.34 69.71 74.63
21 67.94 71.51 67.97 72.81
21.5 66.19 69.68 66.24 70.99
22 64.44 67.86 64.50 69.17
22.5 62.68 66.03 62.77 67.35
23 60.93 64.20 61.03 65.53
23.5 59.18 62.37 59.30 63.71
24 57.43 60.54 57.56 61.89
24.5 55.68 58.71 55.83 60.06
25 53.93 56.88 54.09 58.24
25.5 52.18 55.05 52.36 56.42
26 50.43 53.23 50.63 54.60
26.5 48.68 51.40 48.89 52.78
27 46.93 49.57 47.16 50.96
27.5 45.18 47.74 45.42 49.14
28 43.43 45.91 43.69 47.32
28.5 41.68 44.08 41.95 45.50
29 39.93 42.25 40.22 43.67
29.5 38.18 40.42 38.48 41.85
30 36.43 38.59 36.75 40.03
30.5 35.42 37.64 35.72 39.11
31 34.42 36.69 34.69 38.18
31.5 33.41 35.75 33.66 37.26
32 32.40 34.80 32.64 36.33
32.5 31.39 33.85 31.61 35.41
33 30.39 32.90 30.58 34.48
33.5 29.38 31.95 29.55 33.56
34 28.37 31.00 28.52 32.63
34.5 27.37 30.05 27.49 31.71
35 26.36 29.10 26.47 30.78
35.5 25.35 28.15 25.44 29.86
36 24.35 27.20 24.41 28.93
36.5 23.34 26.25 23.38 28.01
37 22.33 25.30 22.35 27.08
37.5 21.33 24.35 21.32 26.16
38 20.32 23.40 20.29 25.23
38.5 19.31 22.45 19.27 24.31
39 18.30 21.50 18.24 23.38
39.5 17.30 20.55 17.21 22.45
40 16.29 19.60 16.18 21.53
40.5 15.83 19.18 15.77 21.01
41 15.38 18.76 15.36 20.50
41.5 14.92 18.34 14.94 19.98
42 14.47 17.92 14.53 19.46
42.5 14.01 17.50 14.12 18.95
43 13.55 17.08 13.71 18.43
43.5 13.10 16.65 13.29 17.91
44 12.64 16.23 12.88 17.40
44.5 12.19 15.81 12.47 16.88
45 11.73 15.39 12.06 16.36
45.5 11.27 14.97 11.65 15.85
46 10.82 14.55 11.23 15.33
46.5 10.36 14.13 10.82 14.81
47 9.91 13.71 10.41 14.30
47.5 9.45 13.29 10.00 13.78
48 8.99 12.87 9.58 13.26
48.5 8.54 12.45 9.17 12.75
49 8.08 12.03 8.76 12.23
49.5 7.63 11.61 8.35 11.71
50 7.17 11.19 7.93 11.20
50.5 7.04 10.86 7.77 10.96
51 6.90 10.52 7.60 10.72
51.5 6.77 10.19 7.44 10.47
52 6.63 9.85 7.27 10.23
52.5 6.50 9.51 7.11 9.99
53 6.36 9.18 6.94 9.75
53.5 6.23 8.84 6.78 9.51
54 6.09 8.51 6.61 9.27
54.5 5.96 8.17 6.45 9.03
55 5.82 7.84 6.28 8.79
55.5 5.69 7.50 6.12 8.55
56 5.55 7.17 5.95 8.31
56.5 5.42 6.83 5.79 8.06
57 5.28 6.50 5.62 7.82
57.5 5.15 6.16 5.46 7.58
58 5.01 5.83 5.29 7.34
58.5 4.88 5.49 5.13 7.10
59 4.74 5.15 4.96 6.86
59.5 4.61 4.82 4.79 6.62
60 4.47 4.48 4.63 6.38
60.5 4.40 4.53 4.50 6.28
61 4.32 4.58 4.37 6.17
61.5 4.24 4.63 4.24 6.07
62 4.17 4.67 4.11 5.97
62.5 4.09 4.72 3.98 5.87
63 4.01 4.77 3.85 5.77
63.5 3.94 4.82 3.72 5.67
64 3.86 4.86 3.60 5.56
64.5 3.78 4.91 3.47 5.46
65 3.71 4.96 3.34 5.36
65.5 3.63 5.01 3.21 5.26
66 3.55 5.05 3.08 5.16
66.5 3.48 5.10 2.95 5.06
67 3.40 5.15 2.82 4.95
67.5 3.32 5.20 2.69 4.85
68 3.24 5.24 2.56 4.75
68.5 3.17 5.29 2.43 4.65
69 3.09 5.34 2.30 4.55
69.5 3.01 5.39 2.17 4.45
70 2.94 5.43 2.04 4.34
70.5 2.86 5.28 2.04 4.21
71 2.78 5.12 2.03 4.09
71.5 2.70 4.96 2.02 3.96
72 2.63 4.80 2.02 3.83
73 2.47 4.49 2.00 3.57
73.5 2.39 4.33 2.00 3.44
74 2.31 4.18 1.99 3.31
74.5 2.24 4.02 1.99 3.18
75 2.16 3.86 1.98 3.06
75.5 2.08 3.70 1.97 2.93
76 2.00 3.55 1.97 2.80
76.5 1.92 3.39 1.96 2.67
77 1.84 3.23 1.95 2.54
78 1.69 2.92 1.94 2.28
78.5 1.61 2.76 1.93 2.15
79 1.53 2.60 1.93 2.03
79.5 1.45 2.45 1.92 1.90
80 1.38 2.29 1.91 1.77
80.5 1.39 2.31 1.88 1.79
81 1.40 2.34 1.85 1.81
81.5 1.41 2.36 1.81 1.83
82 1.42 2.39 1.78 1.86
82.5 1.43 2.42 1.75 1.88
83 1.44 2.44 1.71 1.90
83.5 1.45 2.47 1.68 1.92
84 1.46 2.49 1.64 1.95
84.5 1.47 2.52 1.61 1.97
85 1.49 2.54 1.58 1.99
85.5 1.50 2.57 1.54 2.01
86 1.51 2.60 1.51 2.03
86.5 1.52 2.62 1.48 2.06
87 1.53 2.65 1.44 2.08
87.5 1.54 2.67 1.41 2.10
88 1.55 2.70 1.37 2.12
88.5 1.56 2.72 1.34 2.14
89 1.57 2.75 1.31 2.17
89.5 1.58 2.77 1.27 2.19
90 1.60 2.80 1.24 2.21
90.5 1.55 2.72 1.21 2.15
91 1.51 2.64 1.17 2.09
91.5 1.47 2.57 1.14 2.04
92 1.42 2.49 1.11 1.98
93 1.34 2.33 1.04 1.86
93.5 1.29 2.25 1.01 1.81
94 1.25 2.17 0.98 1.75
94.5 1.21 2.10 0.94 1.69
95 1.17 2.02 0.91 1.63
95.5 1.12 1.94 0.88 1.58
96 1.08 1.86 0.84 1.52
96.5 1.04 1.78 0.81 1.46
97 0.99 1.71 0.78 1.40
97.5 0.95 1.63 0.75 1.35
98 0.91 1.55 0.71 1.29
98.5 0.87 1.47 0.68 1.23
99 0.82 1.39 0.65 1.17
99.5 0.78 1.32 0.61 1.11
100 0.74 1.24 0.58 1.06

Figure 6.A. TransRisk Score: Any-Account Performance (Percent Bad),
by Demographic Group

Income ratio of tract
Percent bad
Score Low Moderate Middle High
0 99.63 99.48 98.83 97.33
0.5 99.26 98.93 98.25 96.92
1 98.88 98.39 97.68 96.51
1.5 98.50 97.85 97.11 96.10
2 98.12 97.30 96.53 95.70
2.5 97.75 96.76 95.96 95.29
3 97.37 96.21 95.38 94.88
3.5 96.99 95.67 94.81 94.47
4 96.61 95.13 94.23 94.06
4.5 96.24 94.58 93.66 93.66
5 95.86 94.04 93.09 93.25
5.5 95.48 93.49 92.51 92.84
6 95.10 92.95 91.94 92.43
6.5 94.73 92.40 91.36 92.02
7 94.35 91.86 90.79 91.62
7.5 93.97 91.32 90.22 91.21
8 93.59 90.77 89.64 90.80
8.5 93.22 90.23 89.07 90.39
9 92.84 89.68 88.49 89.98
9.5 92.46 89.14 87.92 89.58
10 92.08 88.60 87.35 89.17
10.5 91.78 88.21 86.76 88.20
11 91.47 87.82 86.18 87.23
11.5 91.17 87.43 85.60 86.27
12 90.86 87.04 85.02 85.30
12.5 90.56 86.66 84.43 84.33
13 90.25 86.27 83.85 83.37
13.5 89.95 85.88 83.27 82.40
14 89.64 85.49 82.69 81.43
14.5 89.34 85.11 82.11 80.47
15 89.03 84.72 81.52 79.50
15.5 88.73 84.33 80.94 78.53
16 88.42 83.94 80.36 77.56
16.5 88.12 83.55 79.78 76.60
17 87.81 83.17 79.19 75.63
17.5 87.51 82.78 78.61 74.66
18 87.20 82.39 78.03 73.70
18.5 86.89 82.00 77.45 72.73
19 86.59 81.62 76.87 71.76
19.5 86.28 81.23 76.28 70.80
20 85.98 80.84 75.70 69.83
20.5 83.98 78.86 73.81 68.01
21 81.98 76.87 71.92 66.19
21.5 79.97 74.89 70.03 64.37
22 77.97 72.90 68.14 62.55
22.5 75.97 70.92 66.26 60.73
23 73.97 68.93 64.37 58.91
23.5 71.97 66.95 62.48 57.09
24 69.97 64.96 60.59 55.27
24.5 67.97 62.98 58.70 53.45
25 65.96 61.00 56.81 51.63
25.5 63.96 59.01 54.92 49.81
26 61.96 57.03 53.03 47.99
26.5 59.96 55.04 51.14 46.17
27 57.96 53.06 49.25 44.35
27.5 55.96 51.07 47.36 42.53
28 53.96 49.09 45.48 40.71
28.5 51.95 47.10 43.59 38.89
29 49.95 45.12 41.70 37.06
29.5 47.95 43.14 39.81 35.24
30 45.95 41.15 37.92 33.42
30.5 45.21 40.25 37.00 32.52
31 44.47 39.36 36.09 31.62
31.5 43.74 38.46 35.17 30.72
32 43.00 37.56 34.26 29.82
32.5 42.26 36.66 33.34 28.92
33 41.52 35.76 32.43 28.02
33.5 40.79 34.87 31.51 27.12
34 40.05 33.97 30.60 26.21
34.5 39.31 33.07 29.68 25.31
35 38.57 32.17 28.77 24.41
35.5 37.84 31.27 27.85 23.51
36 37.10 30.38 26.94 22.61
36.5 36.36 29.48 26.02 21.71
37 35.62 28.58 25.11 20.81
37.5 34.89 27.68 24.19 19.91
38 34.15 26.78 23.28 19.01
38.5 33.41 25.89 22.36 18.10
39 32.67 24.99 21.45 17.20
39.5 31.93 24.09 20.53 16.30
40 31.20 23.19 19.62 15.40
40.5 30.34 22.64 19.09 14.98
41 29.48 22.08 18.56 14.55
41.5 28.62 21.53 18.03 14.13
42 27.77 20.97 17.50 13.70
42.5 26.91 20.42 16.97 13.28
43 26.05 19.86 16.44 12.86
43.5 25.19 19.30 15.91 12.43
44 24.33 18.75 15.38 12.01
44.5 23.48 18.19 14.85 11.59
45 22.62 17.64 14.32 11.16
45.5 21.76 17.08 13.79 10.74
46 20.90 16.53 13.26 10.31
46.5 20.04 15.97 12.73 9.89
47 19.19 15.42 12.20 9.47
47.5 18.33 14.86 11.67 9.04
48 17.47 14.30 11.14 8.62
48.5 16.61 13.75 10.61 8.19
49 15.75 13.19 10.08 7.77
49.5 14.90 12.64 9.55 7.35
50 14.04 12.08 9.02 6.92
50.5 13.85 11.88 8.83 6.82
51 13.66 11.68 8.64 6.72
51.5 13.47 11.48 8.45 6.62
52 13.28 11.28 8.26 6.53
52.5 13.09 11.08 8.06 6.43
53 12.91 10.87 7.87 6.33
53.5 12.72 10.67 7.68 6.23
54 12.53 10.47 7.49 6.13
54.5 12.34 10.27 7.29 6.03
55 12.15 10.07 7.10 5.93
55.5 11.96 9.87 6.91 5.83
56 11.77 9.67 6.72 5.73
56.5 11.58 9.47 6.53 5.64
57 11.40 9.26 6.33 5.54
57.5 11.21 9.06 6.14 5.44
58 11.02 8.86 5.95 5.34
58.5 10.83 8.66 5.76 5.24
59 10.64 8.46 5.57 5.14
59.5 10.45 8.26 5.37 5.04
60 10.26 8.06 5.18 4.94
60.5 10.06 7.85 5.09 4.82
61 9.87 7.65 4.99 4.69
61.5 9.67 7.45 4.90 4.57
62 9.47 7.24 4.80 4.44
62.5 9.27 7.04 4.71 4.32
63 9.07 6.84 4.62 4.19
63.5 8.87 6.63 4.52 4.06
64 8.67 6.43 4.43 3.94
64.5 8.47 6.23 4.33 3.81
65 8.27 6.02 4.24 3.69
65.5 8.07 5.82 4.14 3.56
66 7.87 5.62 4.05 3.44
66.5 7.67 5.41 3.96 3.31
67 7.48 5.21 3.86 3.19
67.5 7.28 5.01 3.77 3.06
68 7.08 4.80 3.67 2.94
68.5 6.88 4.60 3.58 2.81
69 6.68 4.40 3.48 2.69
69.5 6.48 4.19 3.39 2.56
70 6.28 3.99 3.30 2.43
70.5 6.13 3.97 3.21 2.40
71 5.97 3.95 3.13 2.37
71.5 5.82 3.94 3.04 2.34
72 5.66 3.92 2.96 2.30
73 5.35 3.89 2.79 2.24
73.5 5.20 3.87 2.71 2.21
74 5.04 3.85 2.62 2.17
74.5 4.89 3.84 2.54 2.14
75 4.73 3.82 2.46 2.11
75.5 4.58 3.80 2.37 2.08
76 4.42 3.78 2.29 2.04
76.5 4.27 3.77 2.20 2.01
77 4.11 3.75 2.12 1.98
78 3.80 3.72 1.95 1.91
78.5 3.65 3.70 1.87 1.88
79 3.49 3.68 1.78 1.85
79.5 3.34 3.67 1.70 1.82
80 3.18 3.65 1.62 1.78
80.5 3.23 3.56 1.61 1.77
81 3.27 3.47 1.61 1.75
81.5 3.31 3.38 1.61 1.74
82 3.36 3.29 1.61 1.72
82.5 3.40 3.20 1.61 1.70
83 3.44 3.11 1.61 1.69
83.5 3.49 3.03 1.61 1.67
84 3.53 2.94 1.61 1.65
84.5 3.57 2.85 1.60 1.64
85 3.62 2.76 1.60 1.62
85.5 3.66 2.67 1.60 1.61
86 3.70 2.58 1.60 1.59
86.5 3.74 2.49 1.60 1.57
87 3.79 2.40 1.60 1.56
87.5 3.83 2.31 1.60 1.54
88 3.87 2.23 1.60 1.52
88.5 3.92 2.14 1.59 1.51
89 3.96 2.05 1.59 1.49
89.5 4.00 1.96 1.59 1.47
90 4.05 1.87 1.59 1.46
90.5 3.80 1.84 1.57 1.41
91 3.55 1.80 1.55 1.37
91.5 3.30 1.77 1.53 1.33
92 3.05 1.73 1.51 1.28
93 2.55 1.66 1.47 1.20
93.5 2.30 1.63 1.45 1.15
94 2.05 1.59 1.43 1.11
94.5 1.80 1.56 1.41 1.06
95 1.55 1.52 1.39 1.02
95.5 1.30 1.49 1.37 0.98
96 1.06 1.46 1.35 0.93
96.5 0.81 1.42 1.33 0.89
97 0.56 1.39 1.31 0.85
97.5 0.31 1.35 1.29 0.80
98 0.06 1.32 1.27 0.76
98.5 0.00 1.28 1.25 0.71
99 0.00 1.25 1.23 0.67
99.5 0.00 1.21 1.21 0.63
100 0.00 1.18 1.19 0.58

Return to figure


Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group

Note. For definition of characteristics, refer to notes to table 9.



Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group

Race or ethnicity (SSA data)
Percent bad
Score Non-
Hispanic
white
Black Hispanic Asian
0 65.86 66.52 67.08 84.67
0.5 64.08 65.02 65.47 82.04
1 62.30 63.52 63.85 79.41
1.5 60.52 62.02 62.24 76.78
2 58.74 60.52 60.63 74.15
2.5 56.96 59.02 59.02 71.52
3 55.18 57.52 57.40 68.89
3.5 53.40 56.02 55.79 66.25
4 51.62 54.52 54.18 63.62
4.5 49.84 53.02 52.56 60.99
5 48.06 51.52 50.95 58.36
5.5 46.28 50.02 49.34 55.73
6 44.50 48.52 47.73 53.10
6.5 42.72 47.02 46.11 50.47
7 40.94 45.52 44.50 47.84
7.5 39.16 44.02 42.89 45.21
8 37.38 42.52 41.27 42.58
8.5 35.60 41.02 39.66 39.95
9 33.82 39.52 38.05 37.32
9.5 32.04 38.02 36.44 34.69
10 30.26 36.52 34.82 32.06
10.5 29.51 36.12 34.13 30.88
11 28.77 35.72 33.43 29.71
11.5 28.03 35.32 32.74 28.53
12 27.29 34.93 32.04 27.36
12.5 26.55 34.53 31.35 26.18
13 25.81 34.13 30.65 25.01
13.5 25.07 33.73 29.95 23.83
14 24.32 33.33 29.26 22.66
14.5 23.58 32.94 28.56 21.48
15 22.84 32.54 27.87 20.31
15.5 22.10 32.14 27.17 19.13
16 21.36 31.74 26.48 17.96
16.5 20.62 31.34 25.78 16.78
17 19.87 30.94 25.09 15.61
17.5 19.13 30.55 24.39 14.43
18 18.39 30.15 23.70 13.26
18.5 17.65 29.75 23.00 12.09
19 16.91 29.35 22.31 10.91
19.5 16.17 28.95 21.61 9.74
20 15.43 28.55 20.92 8.56
20.5 15.02 27.79 20.28 8.67
21 14.61 27.02 19.65 8.78
21.5 14.20 26.26 19.01 8.89
22 13.79 25.49 18.38 9.01
22.5 13.39 24.73 17.74 9.12
23 12.98 23.96 17.11 9.23
23.5 12.57 23.20 16.48 9.34
24 12.16 22.43 15.84 9.45
24.5 11.75 21.67 15.21 9.56
25 11.35 20.91 14.57 9.67
25.5 10.94 20.14 13.94 9.78
26 10.53 19.38 13.31 9.89
26.5 10.12 18.61 12.67 10.01
27 9.71 17.85 12.04 10.12
27.5 9.31 17.08 11.40 10.23
28 8.90 16.32 10.77 10.34
28.5 8.49 15.55 10.13 10.45
29 8.08 14.79 9.50 10.56
29.5 7.67 14.02 8.87 10.67
30 7.27 13.26 8.23 10.78
30.5 7.08 12.90 8.04 10.42
31 6.89 12.54 7.85 10.07
31.5 6.70 12.18 7.66 9.71
32 6.52 11.82 7.47 9.35
32.5 6.33 11.46 7.28 8.99
33 6.14 11.10 7.09 8.63
33.5 5.95 10.74 6.90 8.27
34 5.77 10.39 6.72 7.91
34.5 5.58 10.03 6.53 7.55
35 5.39 9.67 6.34 7.19
35.5 5.21 9.31 6.15 6.83
36 5.02 8.95 5.96 6.47
36.5 4.83 8.59 5.77 6.11
37 4.64 8.23 5.58 5.75
37.5 4.46 7.87 5.39 5.39
38 4.27 7.52 5.20 5.03
38.5 4.08 7.16 5.01 4.67
39 3.89 6.80 4.82 4.32
39.5 3.71 6.44 4.63 3.96
40 3.52 6.08 4.44 3.60
40.5 3.42 5.96 4.42 3.50
41 3.32 5.83 4.40 3.40
41.5 3.23 5.71 4.38 3.30
42 3.13 5.58 4.36 3.20
42.5 3.03 5.46 4.33 3.10
43 2.93 5.34 4.31 3.00
43.5 2.84 5.21 4.29 2.90
44 2.74 5.09 4.27 2.80
44.5 2.64 4.96 4.25 2.70
45 2.54 4.84 4.23 2.60
45.5 2.45 4.71 4.21 2.50
46 2.35 4.59 4.19 2.40
46.5 2.25 4.47 4.16 2.30
47 2.15 4.34 4.14 2.20
47.5 2.06 4.22 4.12 2.10
48 1.96 4.09 4.10 2.00
48.5 1.86 3.97 4.08 1.90
49 1.76 3.85 4.06 1.80
49.5 1.67 3.72 4.04 1.70
50 1.57 3.60 4.01 1.60
50.5 1.53 3.62 3.90 1.60
51 1.49 3.64 3.79 1.59
51.5 1.45 3.66 3.67 1.58
52 1.41 3.68 3.56 1.57
52.5 1.37 3.70 3.45 1.56
53 1.33 3.72 3.33 1.55
53.5 1.28 3.74 3.22 1.54
54 1.24 3.76 3.11 1.54
54.5 1.20 3.79 2.99 1.53
55 1.16 3.81 2.88 1.52
55.5 1.12 3.83 2.77 1.51
56 1.08 3.85 2.65 1.50
56.5 1.04 3.87 2.54 1.49
57 1.00 3.89 2.43 1.48
57.5 0.96 3.91 2.31 1.47
58 0.92 3.93 2.20 1.47
58.5 0.88 3.95 2.09 1.46
59 0.84 3.97 1.97 1.45
59.5 0.80 3.99 1.86 1.44
60 0.76 4.02 1.75 1.43
60.5 0.75 3.84 1.75 1.36
61 0.74 3.66 1.76 1.30
61.5 0.73 3.48 1.77 1.23
62 0.73 3.30 1.77 1.16
62.5 0.72 3.12 1.78 1.09
63 0.71 2.94 1.79 1.02
63.5 0.70 2.76 1.79 0.96
64 0.70 2.58 1.80 0.89
64.5 0.69 2.40 1.81 0.82
65 0.68 2.22 1.81 0.75
65.5 0.68 2.04 1.82 0.68
66 0.67 1.86 1.83 0.62
66.5 0.66 1.68 1.84 0.55
67 0.65 1.50 1.84 0.48
67.5 0.65 1.32 1.85 0.41
68 0.64 1.14 1.86 0.34
68.5 0.63 0.96 1.86 0.28
69 0.62 0.78 1.87 0.21
69.5 0.62 0.60 1.88 0.14
70 0.61 0.42 1.88 0.07
70.5 0.60 0.44 1.83 0.08
71 0.58 0.47 1.78 0.09
71.5 0.57 0.50 1.73 0.11
72 0.56 0.53 1.67 0.12
73 0.54 0.59 1.57 0.14
73.5 0.52 0.61 1.52 0.15
74 0.51 0.64 1.46 0.16
74.5 0.50 0.67 1.41 0.17
75 0.49 0.70 1.36 0.18
75.5 0.48 0.73 1.31 0.20
76 0.46 0.75 1.25 0.21
76.5 0.45 0.78 1.20 0.22
77 0.44 0.81 1.15 0.23
78 0.42 0.87 1.04 0.25
78.5 0.41 0.89 0.99 0.26
79 0.39 0.92 0.94 0.27
79.5 0.38 0.95 0.89 0.28
80 0.37 0.98 0.83 0.30
80.5 0.36 0.96 0.78 0.29
81 0.35 0.93 0.73 0.28
81.5 0.34 0.91 0.68 0.27
82 0.34 0.89 0.63 0.27
82.5 0.33 0.87 0.58 0.26
83 0.32 0.84 0.53 0.25
83.5 0.31 0.82 0.48 0.24
84 0.30 0.80 0.43 0.24
84.5 0.30 0.78 0.38 0.23
85 0.29 0.76 0.33 0.22
85.5 0.28 0.73 0.28 0.21
86 0.27 0.71 0.23 0.21
86.5 0.26 0.69 0.18 0.20
87 0.25 0.67 0.13 0.19
87.5 0.25 0.64 0.08 0.18
88 0.24 0.62 0.03 0.18
88.5 0.23 0.60 0.00 0.17
89 0.22 0.58 0.00 0.16
89.5 0.21 0.56 0.00 0.15
90 0.21 0.53 0.00 0.15
90.5 0.21 0.62 0.00 0.19
91 0.21 0.70 0.00 0.24
91.5 0.22 0.78 0.00 0.28
92 0.22 0.86 0.00 0.33
93 0.23 1.02 0.00 0.42
93.5 0.24 1.11 0.00 0.46
94 0.24 1.19 0.00 0.51
94.5 0.25 1.27 0.02 0.55
95 0.25 1.35 0.04 0.59
95.5 0.26 1.43 0.06 0.64
96 0.26 1.52 0.08 0.68
96.5 0.27 1.60 0.10 0.73
97 0.27 1.68 0.12 0.77
97.5 0.27 1.76 0.14 0.82
98 0.28 1.84 0.16 0.86
98.5 0.28 1.93 0.18 0.91
99 0.29 2.01 0.21 0.95
99.5 0.29 2.09 0.23 1.00
100 0.30 2.17 0.25 1.04

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group

Race or ethnicity (location-based distribution)
Percent bad
Score Non-
Hispanic
white
Black Hispanic Asian
0 65.75 70.49 68.72 73.47
0.5 64.00 68.80 67.01 71.48
1 62.25 67.11 65.31 69.49
1.5 60.50 65.42 63.61 67.50
2 58.75 63.73 61.91 65.52
2.5 57.00 62.04 60.20 63.53
3 55.25 60.35 58.50 61.54
3.5 53.50 58.66 56.80 59.55
4 51.75 56.98 55.09 57.56
4.5 50.00 55.29 53.39 55.57
5 48.25 53.60 51.69 53.59
5.5 46.50 51.91 49.98 51.60
6 44.75 50.22 48.28 49.61
6.5 43.00 48.53 46.58 47.62
7 41.25 46.84 44.87 45.63
7.5 39.50 45.15 43.17 43.65
8 37.74 43.46 41.47 41.66
8.5 35.99 41.77 39.76 39.67
9 34.24 40.08 38.06 37.68
9.5 32.49 38.39 36.36 35.69
10 30.74 36.70 34.65 33.71
10.5 30.09 36.14 34.03 32.90
11 29.45 35.58 33.42 32.10
11.5 28.80 35.02 32.80 31.29
12 28.15 34.46 32.18 30.48
12.5 27.50 33.90 31.56 29.68
13 26.85 33.34 30.94 28.87
13.5 26.20 32.78 30.32 28.07
14 25.55 32.22 29.70 27.26
14.5 24.90 31.66 29.08 26.46
15 24.25 31.10 28.46 25.65
15.5 23.60 30.54 27.84 24.85
16 22.95 29.97 27.22 24.04
16.5 22.30 29.41 26.61 23.24
17 21.66 28.85 25.99 22.43
17.5 21.01 28.29 25.37 21.63
18 20.36 27.73 24.75 20.82
18.5 19.71 27.17 24.13 20.01
19 19.06 26.61 23.51 19.21
19.5 18.41 26.05 22.89 18.40
20 17.76 25.49 22.27 17.60
20.5 17.24 24.82 21.56 17.11
21 16.73 24.16 20.85 16.63
21.5 16.21 23.49 20.14 16.14
22 15.69 22.83 19.43 15.65
22.5 15.17 22.16 18.72 15.17
23 14.66 21.49 18.01 14.68
23.5 14.14 20.83 17.30 14.20
24 13.62 20.16 16.59 13.71
24.5 13.10 19.50 15.88 13.22
25 12.59 18.83 15.17 12.74
25.5 12.07 18.17 14.46 12.25
26 11.55 17.50 13.75 11.77
26.5 11.03 16.83 13.04 11.28
27 10.52 16.17 12.33 10.79
27.5 10.00 15.50 11.62 10.31
28 9.48 14.84 10.91 9.82
28.5 8.96 14.17 10.20 9.34
29 8.45 13.51 9.49 8.85
29.5 7.93 12.84 8.77 8.36
30 7.41 12.17 8.06 7.88
30.5 7.23 11.82 7.92 7.75
31 7.04 11.47 7.77 7.62
31.5 6.86 11.12 7.63 7.48
32 6.68 10.77 7.48 7.35
32.5 6.49 10.42 7.34 7.22
33 6.31 10.07 7.19 7.09
33.5 6.13 9.72 7.04 6.96
34 5.94 9.37 6.90 6.83
34.5 5.76 9.01 6.75 6.70
35 5.58 8.66 6.61 6.57
35.5 5.39 8.31 6.46 6.43
36 5.21 7.96 6.31 6.30
36.5 5.03 7.61 6.17 6.17
37 4.84 7.26 6.02 6.04
37.5 4.66 6.91 5.88 5.91
38 4.48 6.56 5.73 5.78
38.5 4.29 6.21 5.59 5.65
39 4.11 5.85 5.44 5.52
39.5 3.93 5.50 5.29 5.38
40 3.74 5.15 5.15 5.25
40.5 3.64 5.07 5.02 5.05
41 3.55 4.98 4.89 4.85
41.5 3.45 4.90 4.76 4.65
42 3.35 4.82 4.63 4.45
42.5 3.25 4.73 4.50 4.25
43 3.15 4.65 4.37 4.05
43.5 3.05 4.56 4.23 3.85
44 2.95 4.48 4.10 3.64
44.5 2.85 4.39 3.97 3.44
45 2.75 4.31 3.84 3.24
45.5 2.65 4.22 3.71 3.04
46 2.55 4.14 3.58 2.84
46.5 2.45 4.06 3.45 2.64
47 2.35 3.97 3.32 2.44
47.5 2.25 3.89 3.19 2.24
48 2.15 3.80 3.06 2.04
48.5 2.05 3.72 2.93 1.84
49 1.95 3.63 2.80 1.63
49.5 1.85 3.55 2.67 1.43
50 1.75 3.47 2.54 1.23
50.5 1.71 3.39 2.51 1.23
51 1.68 3.31 2.47 1.22
51.5 1.64 3.23 2.44 1.21
52 1.60 3.15 2.40 1.20
52.5 1.57 3.08 2.37 1.20
53 1.53 3.00 2.34 1.19
53.5 1.49 2.92 2.30 1.18
54 1.46 2.84 2.27 1.17
54.5 1.42 2.76 2.23 1.17
55 1.38 2.69 2.20 1.16
55.5 1.35 2.61 2.17 1.15
56 1.31 2.53 2.13 1.15
56.5 1.27 2.45 2.10 1.14
57 1.24 2.37 2.06 1.13
57.5 1.20 2.30 2.03 1.12
58 1.16 2.22 2.00 1.12
58.5 1.13 2.14 1.96 1.11
59 1.09 2.06 1.93 1.10
59.5 1.05 1.98 1.89 1.10
60 1.02 1.90 1.86 1.09
60.5 0.99 1.89 1.82 1.06
61 0.97 1.88 1.78 1.03
61.5 0.94 1.87 1.74 1.00
62 0.92 1.86 1.70 0.97
62.5 0.90 1.85 1.66 0.94
63 0.87 1.84 1.62 0.91
63.5 0.85 1.83 1.59 0.89
64 0.82 1.82 1.55 0.86
64.5 0.80 1.81 1.51 0.83
65 0.77 1.80 1.47 0.80
65.5 0.75 1.79 1.43 0.77
66 0.72 1.78 1.39 0.74
66.5 0.70 1.77 1.35 0.71
67 0.68 1.76 1.31 0.68
67.5 0.65 1.75 1.27 0.65
68 0.63 1.74 1.23 0.62
68.5 0.60 1.73 1.19 0.59
69 0.58 1.72 1.15 0.57
69.5 0.55 1.71 1.11 0.54
70 0.53 1.70 1.07 0.51
70.5 0.52 1.62 1.05 0.50
71 0.52 1.54 1.02 0.50
71.5 0.51 1.46 0.99 0.49
72 0.50 1.38 0.96 0.49
73 0.49 1.22 0.90 0.47
73.5 0.48 1.14 0.87 0.47
74 0.48 1.06 0.85 0.46
74.5 0.47 0.97 0.82 0.46
75 0.46 0.89 0.79 0.45
75.5 0.46 0.81 0.76 0.45
76 0.45 0.73 0.73 0.44
76.5 0.44 0.65 0.70 0.44
77 0.44 0.57 0.67 0.43
78 0.42 0.41 0.62 0.42
78.5 0.42 0.33 0.59 0.41
79 0.41 0.25 0.56 0.41
79.5 0.40 0.17 0.53 0.40
80 0.40 0.08 0.50 0.40
80.5 0.39 0.12 0.48 0.38
81 0.38 0.15 0.46 0.37
81.5 0.37 0.18 0.44 0.35
82 0.35 0.21 0.42 0.33
82.5 0.34 0.24 0.41 0.32
83 0.33 0.27 0.39 0.30
83.5 0.32 0.31 0.37 0.29
84 0.31 0.34 0.35 0.27
84.5 0.30 0.37 0.33 0.26
85 0.29 0.40 0.31 0.24
85.5 0.28 0.43 0.29 0.22
86 0.27 0.46 0.27 0.21
86.5 0.26 0.50 0.25 0.19
87 0.25 0.53 0.23 0.18
87.5 0.23 0.56 0.21 0.16
88 0.22 0.59 0.19 0.14
88.5 0.21 0.62 0.17 0.13
89 0.20 0.65 0.15 0.11
89.5 0.19 0.69 0.13 0.10
90 0.18 0.72 0.11 0.08
90.5 0.19 0.72 0.13 0.09
91 0.19 0.72 0.14 0.10
91.5 0.20 0.72 0.16 0.11
92 0.21 0.72 0.17 0.12
93 0.22 0.71 0.20 0.14
93.5 0.23 0.71 0.22 0.15
94 0.24 0.71 0.23 0.16
94.5 0.25 0.71 0.25 0.17
95 0.25 0.71 0.26 0.18
95.5 0.26 0.71 0.28 0.19
96 0.27 0.71 0.29 0.20
96.5 0.28 0.71 0.31 0.21
97 0.28 0.71 0.32 0.22
97.5 0.29 0.71 0.34 0.23
98 0.30 0.71 0.35 0.24
98.5 0.31 0.71 0.37 0.25
99 0.31 0.71 0.38 0.26
99.5 0.32 0.71 0.40 0.27
100 0.33 0.71 0.41 0.28

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group

Sex
Percent bad
Score Male Female
0 68.57 65.45
0.5 66.67 63.89
1 64.78 62.32
1.5 62.88 60.75
2 60.98 59.18
2.5 59.09 57.62
3 57.19 56.05
3.5 55.29 54.48
4 53.40 52.91
4.5 51.50 51.35
5 49.60 49.78
5.5 47.71 48.21
6 45.81 46.64
6.5 43.91 45.08
7 42.01 43.51
7.5 40.12 41.94
8 38.22 40.37
8.5 36.32 38.81
9 34.43 37.24
9.5 32.53 35.67
10 30.63 34.10
10.5 30.05 33.33
11 29.46 32.56
11.5 28.87 31.79
12 28.28 31.02
12.5 27.70 30.25
13 27.11 29.48
13.5 26.52 28.71
14 25.93 27.94
14.5 25.35 27.17
15 24.76 26.40
15.5 24.17 25.63
16 23.58 24.86
16.5 23.00 24.09
17 22.41 23.32
17.5 21.82 22.55
18 21.23 21.78
18.5 20.65 21.01
19 20.06 20.24
19.5 19.47 19.47
20 18.88 18.70
20.5 18.36 18.16
21 17.83 17.62
21.5 17.30 17.08
22 16.78 16.54
22.5 16.25 16.00
23 15.72 15.46
23.5 15.20 14.91
24 14.67 14.37
24.5 14.14 13.83
25 13.62 13.29
25.5 13.09 12.75
26 12.56 12.21
26.5 12.04 11.67
27 11.51 11.13
27.5 10.98 10.59
28 10.46 10.05
28.5 9.93 9.50
29 9.40 8.96
29.5 8.88 8.42
30 8.35 7.88
30.5 8.14 7.67
31 7.94 7.45
31.5 7.73 7.24
32 7.53 7.02
32.5 7.32 6.81
33 7.12 6.60
33.5 6.91 6.38
34 6.71 6.17
34.5 6.50 5.95
35 6.30 5.74
35.5 6.09 5.52
36 5.89 5.31
36.5 5.68 5.10
37 5.48 4.88
37.5 5.27 4.67
38 5.07 4.45
38.5 4.86 4.24
39 4.66 4.02
39.5 4.45 3.81
40 4.25 3.59
40.5 4.13 3.51
41 4.01 3.42
41.5 3.89 3.33
42 3.78 3.24
42.5 3.66 3.15
43 3.54 3.06
43.5 3.42 2.97
44 3.30 2.88
44.5 3.18 2.80
45 3.07 2.71
45.5 2.95 2.62
46 2.83 2.53
46.5 2.71 2.44
47 2.59 2.35
47.5 2.47 2.26
48 2.36 2.17
48.5 2.24 2.09
49 2.12 2.00
49.5 2.00 1.91
50 1.88 1.82
50.5 1.84 1.77
51 1.80 1.73
51.5 1.76 1.68
52 1.73 1.64
52.5 1.69 1.59
53 1.65 1.54
53.5 1.61 1.50
54 1.57 1.45
54.5 1.53 1.41
55 1.49 1.36
55.5 1.45 1.31
56 1.41 1.27
56.5 1.37 1.22
57 1.33 1.18
57.5 1.29 1.13
58 1.25 1.08
58.5 1.21 1.04
59 1.17 0.99
59.5 1.14 0.95
60 1.10 0.90
60.5 1.08 0.88
61 1.06 0.86
61.5 1.05 0.84
62 1.03 0.81
62.5 1.01 0.79
63 1.00 0.77
63.5 0.98 0.75
64 0.96 0.73
64.5 0.94 0.71
65 0.93 0.68
65.5 0.91 0.66
66 0.89 0.64
66.5 0.88 0.62
67 0.86 0.60
67.5 0.84 0.57
68 0.83 0.55
68.5 0.81 0.53
69 0.79 0.51
69.5 0.78 0.49
70 0.76 0.47
70.5 0.74 0.46
71 0.73 0.45
71.5 0.71 0.45
72 0.69 0.44
73 0.66 0.43
73.5 0.64 0.42
74 0.63 0.42
74.5 0.61 0.41
75 0.59 0.41
75.5 0.58 0.40
76 0.56 0.39
76.5 0.54 0.39
77 0.53 0.38
78 0.49 0.37
78.5 0.48 0.36
79 0.46 0.36
79.5 0.44 0.35
80 0.43 0.35
80.5 0.41 0.34
81 0.40 0.33
81.5 0.39 0.32
82 0.38 0.32
82.5 0.37 0.31
83 0.36 0.30
83.5 0.35 0.29
84 0.34 0.29
84.5 0.33 0.28
85 0.32 0.27
85.5 0.31 0.26
86 0.30 0.26
86.5 0.29 0.25
87 0.28 0.24
87.5 0.27 0.23
88 0.26 0.23
88.5 0.25 0.22
89 0.23 0.21
89.5 0.22 0.20
90 0.21 0.20
90.5 0.22 0.20
91 0.22 0.21
91.5 0.23 0.21
92 0.23 0.22
93 0.25 0.23
93.5 0.25 0.24
94 0.26 0.24
94.5 0.26 0.25
95 0.27 0.25
95.5 0.27 0.26
96 0.28 0.26
96.5 0.28 0.27
97 0.29 0.27
97.5 0.29 0.28
98 0.30 0.28
98.5 0.30 0.29
99 0.31 0.29
99.5 0.31 0.30
100 0.32 0.31

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group

Age (years)
Percent bad
Score Younger
than 30
30-39 40-49 50-61 62 or
older
0 68.64 64.52 64.30 69.25 71.25
0.5 66.95 62.94 62.78 67.16 69.35
1 65.26 61.37 61.27 65.08 67.44
1.5 63.57 59.79 59.75 62.99 65.54
2 61.88 58.22 58.24 60.91 63.63
2.5 60.19 56.65 56.72 58.82 61.73
3 58.50 55.07 55.21 56.74 59.82
3.5 56.82 53.50 53.69 54.65 57.92
4 55.13 51.92 52.18 52.57 56.01
4.5 53.44 50.35 50.66 50.48 54.11
5 51.75 48.78 49.15 48.39 52.20
5.5 50.06 47.20 47.63 46.31 50.30
6 48.37 45.63 46.12 44.22 48.39
6.5 46.68 44.05 44.60 42.14 46.49
7 44.99 42.48 43.09 40.05 44.58
7.5 43.30 40.91 41.57 37.97 42.68
8 41.61 39.33 40.06 35.88 40.77
8.5 39.92 37.76 38.54 33.80 38.87
9 38.23 36.19 37.03 31.71 36.96
9.5 36.54 34.61 35.51 29.63 35.06
10 34.85 33.04 34.00 27.54 33.15
10.5 34.63 32.26 33.00 26.86 32.19
11 34.41 31.48 32.00 26.18 31.23
11.5 34.19 30.70 31.01 25.49 30.27
12 33.97 29.93 30.01 24.81 29.31
12.5 33.75 29.15 29.01 24.12 28.35
13 33.53 28.37 28.02 23.44 27.39
13.5 33.30 27.60 27.02 22.76 26.43
14 33.08 26.82 26.02 22.07 25.47
14.5 32.86 26.04 25.03 21.39 24.51
15 32.64 25.26 24.03 20.71 23.55
15.5 32.42 24.49 23.03 20.02 22.59
16 32.20 23.71 22.03 19.34 21.63
16.5 31.97 22.93 21.04 18.66 20.68
17 31.75 22.15 20.04 17.97 19.72
17.5 31.53 21.38 19.04 17.29 18.76
18 31.31 20.60 18.05 16.61 17.80
18.5 31.09 19.82 17.05 15.92 16.84
19 30.87 19.04 16.05 15.24 15.88
19.5 30.65 18.27 15.06 14.56 14.92
20 30.42 17.49 14.06 13.87 13.96
20.5 29.46 16.98 13.73 13.49 13.64
21 28.49 16.48 13.40 13.11 13.32
21.5 27.52 15.98 13.07 12.73 13.00
22 26.55 15.47 12.73 12.34 12.68
22.5 25.58 14.97 12.40 11.96 12.36
23 24.61 14.46 12.07 11.58 12.04
23.5 23.64 13.96 11.74 11.20 11.72
24 22.67 13.46 11.41 10.81 11.40
24.5 21.70 12.95 11.08 10.43 11.08
25 20.73 12.45 10.75 10.05 10.76
25.5 19.77 11.94 10.42 9.67 10.44
26 18.80 11.44 10.08 9.28 10.12
26.5 17.83 10.94 9.75 8.90 9.80
27 16.86 10.43 9.42 8.52 9.48
27.5 15.89 9.93 9.09 8.14 9.16
28 14.92 9.42 8.76 7.75 8.84
28.5 13.95 8.92 8.43 7.37 8.52
29 12.98 8.42 8.10 6.99 8.20
29.5 12.01 7.91 7.77 6.61 7.88
30 11.04 7.41 7.43 6.22 7.56
30.5 10.78 7.26 7.21 6.03 7.42
31 10.52 7.10 6.98 5.84 7.27
31.5 10.26 6.95 6.76 5.65 7.13
32 10.00 6.80 6.53 5.46 6.98
32.5 9.74 6.65 6.31 5.27 6.84
33 9.48 6.50 6.08 5.07 6.69
33.5 9.22 6.34 5.86 4.88 6.55
34 8.96 6.19 5.63 4.69 6.40
34.5 8.70 6.04 5.41 4.50 6.26
35 8.44 5.89 5.18 4.31 6.11
35.5 8.18 5.73 4.96 4.11 5.97
36 7.92 5.58 4.73 3.92 5.83
36.5 7.66 5.43 4.51 3.73 5.68
37 7.40 5.28 4.28 3.54 5.54
37.5 7.14 5.12 4.06 3.35 5.39
38 6.88 4.97 3.83 3.15 5.25
38.5 6.62 4.82 3.61 2.96 5.10
39 6.36 4.67 3.38 2.77 4.96
39.5 6.10 4.52 3.16 2.58 4.81
40 5.84 4.36 2.93 2.39 4.67
40.5 5.73 4.20 2.86 2.31 4.53
41 5.61 4.04 2.80 2.23 4.40
41.5 5.50 3.88 2.73 2.15 4.26
42 5.38 3.72 2.67 2.08 4.13
42.5 5.27 3.56 2.60 2.00 4.00
43 5.15 3.40 2.54 1.92 3.86
43.5 5.03 3.24 2.47 1.84 3.73
44 4.92 3.08 2.40 1.77 3.59
44.5 4.80 2.92 2.34 1.69 3.46
45 4.69 2.76 2.27 1.61 3.32
45.5 4.57 2.60 2.21 1.53 3.19
46 4.45 2.44 2.14 1.46 3.06
46.5 4.34 2.28 2.08 1.38 2.92
47 4.22 2.12 2.01 1.30 2.79
47.5 4.11 1.96 1.94 1.22 2.65
48 3.99 1.80 1.88 1.14 2.52
48.5 3.88 1.64 1.81 1.07 2.38
49 3.76 1.48 1.75 0.99 2.25
49.5 3.64 1.31 1.68 0.91 2.11
50 3.53 1.15 1.62 0.83 1.98
50.5 3.46 1.13 1.59 0.82 1.92
51 3.38 1.11 1.55 0.80 1.86
51.5 3.31 1.09 1.52 0.78 1.80
52 3.24 1.06 1.49 0.76 1.74
52.5 3.16 1.04 1.46 0.74 1.68
53 3.09 1.02 1.43 0.72 1.62
53.5 3.02 1.00 1.40 0.70 1.56
54 2.95 0.97 1.37 0.68 1.50
54.5 2.87 0.95 1.34 0.66 1.44
55 2.80 0.93 1.31 0.64 1.38
55.5 2.73 0.91 1.28 0.62 1.32
56 2.66 0.88 1.25 0.60 1.26
56.5 2.58 0.86 1.22 0.59 1.19
57 2.51 0.84 1.19 0.57 1.13
57.5 2.44 0.82 1.16 0.55 1.07
58 2.36 0.79 1.13 0.53 1.01
58.5 2.29 0.77 1.10 0.51 0.95
59 2.22 0.75 1.07 0.49 0.89
59.5 2.15 0.72 1.04 0.47 0.83
60 2.07 0.70 1.00 0.45 0.77
60.5 2.05 0.69 0.96 0.46 0.79
61 2.02 0.68 0.92 0.47 0.81
61.5 2.00 0.67 0.88 0.47 0.83
62 1.97 0.66 0.83 0.48 0.86
62.5 1.94 0.65 0.79 0.49 0.88
63 1.92 0.64 0.75 0.50 0.90
63.5 1.89 0.62 0.70 0.51 0.92
64 1.87 0.61 0.66 0.51 0.94
64.5 1.84 0.60 0.62 0.52 0.96
65 1.81 0.59 0.58 0.53 0.98
65.5 1.79 0.58 0.53 0.54 1.00
66 1.76 0.57 0.49 0.54 1.02
66.5 1.74 0.56 0.45 0.55 1.04
67 1.71 0.55 0.40 0.56 1.06
67.5 1.68 0.54 0.36 0.57 1.08
68 1.66 0.53 0.32 0.58 1.11
68.5 1.63 0.51 0.28 0.58 1.13
69 1.61 0.50 0.23 0.59 1.15
69.5 1.58 0.49 0.19 0.60 1.17
70 1.55 0.48 0.15 0.61 1.19
70.5 1.43 0.48 0.16 0.59 1.16
71 1.31 0.48 0.17 0.57 1.13
71.5 1.19 0.48 0.18 0.55 1.10
72 1.06 0.48 0.19 0.53 1.08
73 0.82 0.48 0.22 0.50 1.02
73.5 0.69 0.48 0.23 0.48 0.99
74 0.57 0.47 0.24 0.46 0.96
74.5 0.45 0.47 0.25 0.44 0.93
75 0.33 0.47 0.26 0.43 0.91
75.5 0.20 0.47 0.27 0.41 0.88
76 0.08 0.47 0.28 0.39 0.85
76.5 0.00 0.47 0.29 0.37 0.82
77 0.00 0.47 0.31 0.35 0.79
78 0.00 0.47 0.33 0.32 0.73
78.5 0.00 0.47 0.34 0.30 0.71
79 0.00 0.46 0.35 0.28 0.68
79.5 0.00 0.46 0.36 0.26 0.65
80 0.00 0.46 0.37 0.25 0.62
80.5 0.00 0.44 0.36 0.25 0.60
81 0.00 0.41 0.35 0.26 0.57
81.5 0.19 0.39 0.34 0.26 0.55
82 0.56 0.36 0.32 0.27 0.53
82.5 0.92 0.34 0.31 0.27 0.51
83 1.29 0.32 0.30 0.28 0.48
83.5 1.65 0.29 0.29 0.28 0.46
84 2.02 0.27 0.27 0.29 0.44
84.5 2.38 0.24 0.26 0.29 0.41
85 2.75 0.22 0.25 0.30 0.39
85.5 3.11 0.19 0.24 0.30 0.37
86 3.48 0.17 0.22 0.31 0.34
86.5 3.84 0.14 0.21 0.31 0.32
87 4.21 0.12 0.20 0.32 0.30
87.5 4.57 0.09 0.19 0.32 0.27
88 4.94 0.07 0.18 0.33 0.25
88.5 5.30 0.05 0.16 0.33 0.23
89 5.67 0.02 0.15 0.34 0.20
89.5 6.03 0.00 0.14 0.34 0.18
90 6.40 0.00 0.13 0.35 0.16
90.5 7.98 0.00 0.13 0.33 0.19
91 9.57 0.01 0.14 0.31 0.22
91.5 11.15 0.03 0.15 0.29 0.25
92 12.74 0.05 0.16 0.27 0.28
93 15.91 0.09 0.18 0.23 0.35
93.5 17.50 0.11 0.19 0.21 0.38
94 19.08 0.13 0.20 0.19 0.41
94.5 20.67 0.16 0.21 0.18 0.44
95 22.25 0.18 0.22 0.16 0.47
95.5 23.84 0.20 0.23 0.14 0.50
96 25.43 0.22 0.23 0.12 0.54
96.5 27.01 0.24 0.24 0.10 0.57
97 28.60 0.26 0.25 0.08 0.60
97.5 30.18 0.28 0.26 0.06 0.63
98 31.77 0.30 0.27 0.04 0.66
98.5 33.35 0.32 0.28 0.02 0.69
99 34.94 0.34 0.29 0.01 0.72
99.5 36.53 0.36 0.30 0.00 0.76
100 38.11 0.38 0.31 0.00 0.79

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group

Marital status
Percent bad
Score Married
male
Single
male
Married
female
Single
female
0 64.08 73.25 64.74 67.72
0.5 62.31 71.12 63.07 66.05
1 60.55 68.99 61.40 64.37
1.5 58.78 66.86 59.73 62.70
2 57.02 64.72 58.06 61.03
2.5 55.26 62.59 56.39 59.36
3 53.49 60.46 54.72 57.68
3.5 51.73 58.32 53.05 56.01
4 49.97 56.19 51.38 54.34
4.5 48.20 54.06 49.71 52.67
5 46.44 51.93 48.04 50.99
5.5 44.68 49.79 46.37 49.32
6 42.91 47.66 44.70 47.65
6.5 41.15 45.53 43.04 45.98
7 39.39 43.40 41.37 44.30
7.5 37.62 41.26 39.70 42.63
8 35.86 39.13 38.03 40.96
8.5 34.10 37.00 36.36 39.29
9 32.33 34.86 34.69 37.61
9.5 30.57 32.73 33.02 35.94
10 28.81 30.60 31.35 34.27
10.5 27.97 30.18 30.46 33.54
11 27.13 29.76 29.57 32.81
11.5 26.29 29.34 28.68 32.09
12 25.46 28.92 27.79 31.36
12.5 24.62 28.49 26.91 30.63
13 23.78 28.07 26.02 29.91
13.5 22.95 27.65 25.13 29.18
14 22.11 27.23 24.24 28.45
14.5 21.27 26.81 23.35 27.73
15 20.43 26.39 22.46 27.00
15.5 19.60 25.97 21.57 26.27
16 18.76 25.55 20.69 25.55
16.5 17.92 25.13 19.80 24.82
17 17.09 24.71 18.91 24.09
17.5 16.25 24.28 18.02 23.36
18 15.41 23.86 17.13 22.64
18.5 14.57 23.44 16.24 21.91
19 13.74 23.02 15.36 21.18
19.5 12.90 22.60 14.47 20.46
20 12.06 22.18 13.58 19.73
20.5 11.80 21.59 13.19 19.26
21 11.54 21.00 12.80 18.78
21.5 11.27 20.41 12.41 18.31
22 11.01 19.81 12.03 17.84
22.5 10.75 19.22 11.64 17.36
23 10.49 18.63 11.25 16.89
23.5 10.22 18.04 10.86 16.42
24 9.96 17.45 10.48 15.94
24.5 9.70 16.86 10.09 15.47
25 9.43 16.27 9.70 15.00
25.5 9.17 15.67 9.31 14.52
26 8.91 15.08 8.92 14.05
26.5 8.65 14.49 8.54 13.58
27 8.38 13.90 8.15 13.10
27.5 8.12 13.31 7.76 12.63
28 7.86 12.72 7.37 12.16
28.5 7.60 12.13 6.98 11.68
29 7.33 11.53 6.60 11.21
29.5 7.07 10.94 6.21 10.74
30 6.81 10.35 5.82 10.26
30.5 6.64 10.08 5.67 9.92
31 6.47 9.81 5.51 9.57
31.5 6.30 9.53 5.36 9.23
32 6.13 9.26 5.20 8.88
32.5 5.96 8.99 5.05 8.53
33 5.79 8.72 4.90 8.19
33.5 5.62 8.44 4.74 7.84
34 5.45 8.17 4.59 7.50
34.5 5.28 7.90 4.43 7.15
35 5.11 7.63 4.28 6.80
35.5 4.94 7.35 4.13 6.46
36 4.77 7.08 3.97 6.11
36.5 4.60 6.81 3.82 5.77
37 4.43 6.54 3.66 5.42
37.5 4.26 6.27 3.51 5.07
38 4.09 5.99 3.36 4.73
38.5 3.92 5.72 3.20 4.38
39 3.75 5.45 3.05 4.04
39.5 3.58 5.18 2.89 3.69
40 3.41 4.90 2.74 3.35
40.5 3.30 4.77 2.67 3.32
41 3.19 4.64 2.60 3.30
41.5 3.08 4.51 2.53 3.28
42 2.97 4.39 2.47 3.26
42.5 2.86 4.26 2.40 3.24
43 2.75 4.13 2.33 3.22
43.5 2.64 4.00 2.26 3.20
44 2.53 3.87 2.19 3.17
44.5 2.41 3.74 2.12 3.15
45 2.30 3.61 2.05 3.13
45.5 2.19 3.48 1.99 3.11
46 2.08 3.35 1.92 3.09
46.5 1.97 3.22 1.85 3.07
47 1.86 3.09 1.78 3.05
47.5 1.75 2.96 1.71 3.02
48 1.64 2.83 1.64 3.00
48.5 1.53 2.70 1.58 2.98
49 1.41 2.57 1.51 2.96
49.5 1.30 2.44 1.44 2.94
50 1.19 2.31 1.37 2.92
50.5 1.17 2.25 1.33 2.81
51 1.15 2.19 1.29 2.70
51.5 1.13 2.13 1.25 2.59
52 1.10 2.07 1.21 2.48
52.5 1.08 2.01 1.16 2.37
53 1.06 1.95 1.12 2.26
53.5 1.03 1.89 1.08 2.15
54 1.01 1.83 1.04 2.04
54.5 0.99 1.77 1.00 1.93
55 0.97 1.71 0.96 1.82
55.5 0.94 1.65 0.92 1.71
56 0.92 1.59 0.88 1.60
56.5 0.90 1.53 0.83 1.49
57 0.88 1.47 0.79 1.39
57.5 0.85 1.41 0.75 1.28
58 0.83 1.35 0.71 1.17
58.5 0.81 1.29 0.67 1.06
59 0.79 1.23 0.63 0.95
59.5 0.76 1.17 0.59 0.84
60 0.74 1.11 0.55 0.73
60.5 0.73 1.12 0.53 0.73
61 0.71 1.14 0.52 0.74
61.5 0.69 1.15 0.51 0.74
62 0.68 1.17 0.49 0.74
62.5 0.66 1.18 0.48 0.75
63 0.64 1.20 0.47 0.75
63.5 0.63 1.21 0.45 0.75
64 0.61 1.22 0.44 0.76
64.5 0.59 1.24 0.43 0.76
65 0.58 1.25 0.41 0.76
65.5 0.56 1.27 0.40 0.77
66 0.54 1.28 0.39 0.77
66.5 0.53 1.30 0.37 0.77
67 0.51 1.31 0.36 0.78
67.5 0.50 1.32 0.35 0.78
68 0.48 1.34 0.33 0.79
68.5 0.46 1.35 0.32 0.79
69 0.45 1.37 0.31 0.79
69.5 0.43 1.38 0.29 0.80
70 0.41 1.40 0.28 0.80
70.5 0.41 1.36 0.29 0.76
71 0.41 1.32 0.30 0.73
71.5 0.41 1.28 0.30 0.69
72 0.40 1.24 0.31 0.66
73 0.40 1.16 0.32 0.58
73.5 0.40 1.12 0.33 0.55
74 0.39 1.08 0.34 0.51
74.5 0.39 1.04 0.35 0.48
75 0.39 1.00 0.35 0.44
75.5 0.39 0.96 0.36 0.41
76 0.39 0.92 0.37 0.37
76.5 0.38 0.88 0.37 0.33
77 0.38 0.84 0.38 0.30
78 0.38 0.76 0.40 0.23
78.5 0.37 0.72 0.40 0.19
79 0.37 0.68 0.41 0.16
79.5 0.37 0.64 0.42 0.12
80 0.37 0.60 0.42 0.08
80.5 0.36 0.58 0.41 0.09
81 0.35 0.56 0.40 0.10
81.5 0.34 0.54 0.39 0.11
82 0.33 0.52 0.38 0.12
82.5 0.32 0.50 0.36 0.13
83 0.31 0.47 0.35 0.14
83.5 0.30 0.45 0.34 0.15
84 0.29 0.43 0.33 0.16
84.5 0.28 0.41 0.32 0.17
85 0.27 0.39 0.30 0.18
85.5 0.26 0.37 0.29 0.19
86 0.25 0.35 0.28 0.20
86.5 0.24 0.33 0.27 0.21
87 0.23 0.31 0.26 0.22
87.5 0.22 0.29 0.24 0.23
88 0.21 0.27 0.23 0.24
88.5 0.20 0.24 0.22 0.25
89 0.19 0.22 0.21 0.26
89.5 0.18 0.20 0.20 0.27
90 0.17 0.18 0.18 0.28
90.5 0.18 0.18 0.18 0.32
91 0.19 0.19 0.18 0.35
91.5 0.20 0.19 0.18 0.39
92 0.21 0.19 0.18 0.43
93 0.22 0.20 0.18 0.50
93.5 0.23 0.20 0.18 0.54
94 0.24 0.21 0.18 0.57
94.5 0.25 0.21 0.18 0.61
95 0.26 0.21 0.18 0.65
95.5 0.27 0.21 0.18 0.69
96 0.28 0.22 0.18 0.72
96.5 0.28 0.22 0.18 0.76
97 0.29 0.22 0.18 0.80
97.5 0.30 0.23 0.18 0.83
98 0.31 0.23 0.18 0.87
98.5 0.32 0.23 0.18 0.91
99 0.33 0.24 0.18 0.94
99.5 0.34 0.24 0.18 0.98
100 0.34 0.24 0.18 1.02

Figure 6.B. TransRisk Score: New-Account Performance (Percent Bad),
by Demographic Group

Income ratio of tract
Percent bad
Score Low Moderate Middle High
0 69.59 70.21 66.47 61.59
0.5 68.29 68.39 64.70 60.11
1 67.00 66.57 62.93 58.63
1.5 65.71 64.75 61.16 57.15
2 64.41 62.93 59.39 55.67
2.5 63.12 61.11 57.62 54.19
3 61.83 59.29 55.85 52.71
3.5 60.53 57.47 54.08 51.23
4 59.24 55.65 52.31 49.75
4.5 57.94 53.82 50.54 48.27
5 56.65 52.00 48.77 46.79
5.5 55.36 50.18 47.00 45.31
6 54.06 48.36 45.23 43.83
6.5 52.77 46.54 43.47 42.34
7 51.48 44.72 41.70 40.86
7.5 50.18 42.90 39.93 39.38
8 48.89 41.08 38.16 37.90
8.5 47.60 39.26 36.39 36.42
9 46.30 37.44 34.62 34.94
9.5 45.01 35.62 32.85 33.46
10 43.71 33.79 31.08 31.98
10.5 43.24 33.32 30.44 31.04
11 42.76 32.85 29.80 30.09
11.5 42.29 32.38 29.16 29.14
12 41.81 31.91 28.53 28.19
12.5 41.34 31.44 27.89 27.24
13 40.86 30.97 27.25 26.29
13.5 40.39 30.50 26.61 25.34
14 39.91 30.03 25.98 24.40
14.5 39.44 29.56 25.34 23.45
15 38.96 29.09 24.70 22.50
15.5 38.49 28.62 24.06 21.55
16 38.01 28.15 23.43 20.60
16.5 37.54 27.68 22.79 19.65
17 37.06 27.21 22.15 18.71
17.5 36.59 26.74 21.51 17.76
18 36.11 26.27 20.88 16.81
18.5 35.64 25.80 20.24 15.86
19 35.16 25.33 19.60 14.91
19.5 34.69 24.86 18.96 13.96
20 34.21 24.39 18.32 13.02
20.5 33.05 23.62 17.82 12.67
21 31.89 22.86 17.32 12.32
21.5 30.72 22.10 16.82 11.98
22 29.56 21.34 16.32 11.63
22.5 28.40 20.57 15.82 11.28
23 27.24 19.81 15.32 10.94
23.5 26.08 19.05 14.81 10.59
24 24.91 18.29 14.31 10.24
24.5 23.75 17.52 13.81 9.90
25 22.59 16.76 13.31 9.55
25.5 21.43 16.00 12.81 9.20
26 20.27 15.24 12.31 8.86
26.5 19.10 14.47 11.80 8.51
27 17.94 13.71 11.30 8.16
27.5 16.78 12.95 10.80 7.82
28 15.62 12.19 10.30 7.47
28.5 14.45 11.42 9.80 7.12
29 13.29 10.66 9.30 6.78
29.5 12.13 9.90 8.79 6.43
30 10.97 9.14 8.29 6.08