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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

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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
30.5 10.90 8.98 8.08 5.91
31 10.83 8.82 7.87 5.73
31.5 10.76 8.66 7.67 5.56
32 10.69 8.50 7.46 5.38
32.5 10.62 8.34 7.25 5.21
33 10.55 8.18 7.04 5.03
33.5 10.48 8.02 6.83 4.86
34 10.42 7.86 6.62 4.68
34.5 10.35 7.70 6.41 4.51
35 10.28 7.54 6.20 4.33
35.5 10.21 7.39 5.99 4.16
36 10.14 7.23 5.79 3.98
36.5 10.07 7.07 5.58 3.81
37 10.00 6.91 5.37 3.63
37.5 9.93 6.75 5.16 3.46
38 9.86 6.59 4.95 3.28
38.5 9.79 6.43 4.74 3.10
39 9.72 6.27 4.53 2.93
39.5 9.65 6.11 4.32 2.75
40 9.59 5.95 4.11 2.58
40.5 9.34 5.79 4.00 2.52
41 9.09 5.62 3.90 2.46
41.5 8.84 5.46 3.79 2.40
42 8.59 5.30 3.68 2.34
42.5 8.35 5.13 3.57 2.28
43 8.10 4.97 3.46 2.22
43.5 7.85 4.80 3.35 2.16
44 7.60 4.64 3.25 2.10
44.5 7.36 4.48 3.14 2.04
45 7.11 4.31 3.03 1.98
45.5 6.86 4.15 2.92 1.93
46 6.61 3.98 2.81 1.87
46.5 6.36 3.82 2.70 1.81
47 6.12 3.66 2.59 1.75
47.5 5.87 3.49 2.49 1.69
48 5.62 3.33 2.38 1.63
48.5 5.37 3.16 2.27 1.57
49 5.13 3.00 2.16 1.51
49.5 4.88 2.84 2.05 1.45
50 4.63 2.67 1.94 1.39
50.5 4.53 2.65 1.89 1.37
51 4.43 2.63 1.84 1.35
51.5 4.33 2.61 1.79 1.33
52 4.22 2.59 1.74 1.31
52.5 4.12 2.57 1.69 1.29
53 4.02 2.54 1.64 1.27
53.5 3.92 2.52 1.59 1.25
54 3.82 2.50 1.53 1.23
54.5 3.72 2.48 1.48 1.20
55 3.61 2.46 1.43 1.18
55.5 3.51 2.44 1.38 1.16
56 3.41 2.42 1.33 1.14
56.5 3.31 2.40 1.28 1.12
57 3.21 2.37 1.23 1.10
57.5 3.11 2.35 1.18 1.08
58 3.00 2.33 1.12 1.06
58.5 2.90 2.31 1.07 1.04
59 2.80 2.29 1.02 1.02
59.5 2.70 2.27 0.97 1.00
60 2.60 2.25 0.92 0.98
60.5 2.63 2.18 0.91 0.94
61 2.67 2.12 0.91 0.90
61.5 2.70 2.06 0.90 0.87
62 2.74 1.99 0.89 0.83
62.5 2.77 1.93 0.89 0.80
63 2.81 1.86 0.88 0.76
63.5 2.85 1.80 0.87 0.72
64 2.88 1.74 0.87 0.69
64.5 2.92 1.67 0.86 0.65
65 2.95 1.61 0.85 0.61
65.5 2.99 1.54 0.85 0.58
66 3.02 1.48 0.84 0.54
66.5 3.06 1.42 0.83 0.50
67 3.09 1.35 0.83 0.47
67.5 3.13 1.29 0.82 0.43
68 3.16 1.22 0.82 0.40
68.5 3.20 1.16 0.81 0.36
69 3.23 1.10 0.80 0.32
69.5 3.27 1.03 0.80 0.29
70 3.31 0.97 0.79 0.25
70.5 3.10 0.98 0.77 0.25
71 2.90 1.00 0.74 0.26
71.5 2.69 1.02 0.72 0.26
72 2.49 1.03 0.69 0.26
73 2.08 1.06 0.65 0.27
73.5 1.87 1.08 0.62 0.27
74 1.67 1.09 0.60 0.27
74.5 1.46 1.11 0.58 0.28
75 1.26 1.13 0.55 0.28
75.5 1.05 1.14 0.53 0.28
76 0.85 1.16 0.51 0.28
76.5 0.64 1.17 0.48 0.29
77 0.44 1.19 0.46 0.29
78 0.03 1.22 0.41 0.30
78.5 0.00 1.24 0.39 0.30
79 0.00 1.25 0.36 0.30
79.5 0.00 1.27 0.34 0.30
80 0.00 1.28 0.32 0.31
80.5 0.00 1.20 0.32 0.30
81 0.00 1.12 0.31 0.29
81.5 0.19 1.04 0.31 0.27
82 0.51 0.96 0.31 0.26
82.5 0.84 0.87 0.31 0.25
83 1.17 0.79 0.31 0.24
83.5 1.49 0.71 0.31 0.23
84 1.82 0.63 0.30 0.22
84.5 2.14 0.55 0.30 0.21
85 2.47 0.47 0.30 0.20
85.5 2.79 0.39 0.30 0.19
86 3.12 0.30 0.30 0.18
86.5 3.45 0.22 0.30 0.17
87 3.77 0.14 0.30 0.16
87.5 4.10 0.06 0.29 0.15
88 4.42 0.00 0.29 0.14
88.5 4.75 0.00 0.29 0.13
89 5.07 0.00 0.29 0.12
89.5 5.40 0.00 0.29 0.11
90 5.73 0.00 0.29 0.10
90.5 6.45 0.00 0.28 0.12
91 7.18 0.00 0.28 0.14
91.5 7.90 0.00 0.28 0.16
92 8.63 0.03 0.28 0.18
93 10.08 0.22 0.28 0.22
93.5 10.81 0.32 0.28 0.24
94 11.53 0.41 0.27 0.26
94.5 12.26 0.51 0.27 0.28
95 12.98 0.60 0.27 0.30
95.5 13.71 0.70 0.27 0.32
96 14.44 0.79 0.27 0.34
96.5 15.16 0.89 0.27 0.36
97 15.89 0.98 0.27 0.38
97.5 16.61 1.08 0.26 0.41
98 17.34 1.17 0.26 0.43
98.5 18.07 1.27 0.26 0.45
99 18.79 1.36 0.26 0.47
99.5 19.52 1.46 0.26 0.49
100 20.24 1.55 0.26 0.51

Return to figure


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

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



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

Race or ethnicity (SSA data)
Percent bad
Score Non-
Hispanic
white
Black Hispanic Asian
0 96.46 98.36 98.77 94.24
0.5 95.75 97.79 97.98 93.71
1 95.04 97.22 97.19 93.18
1.5 94.33 96.65 96.40 92.65
2 93.62 96.08 95.61 92.12
2.5 92.91 95.51 94.82 91.59
3 92.20 94.93 94.03 91.06
3.5 91.48 94.36 93.25 90.53
4 90.77 93.79 92.46 90.00
4.5 90.06 93.22 91.67 89.47
5 89.35 92.65 90.88 88.94
5.5 88.64 92.08 90.09 88.40
6 87.93 91.50 89.30 87.87
6.5 87.22 90.93 88.51 87.34
7 86.51 90.36 87.72 86.81
7.5 85.80 89.79 86.93 86.28
8 85.09 89.22 86.14 85.75
8.5 84.38 88.65 85.35 85.22
9 83.67 88.08 84.56 84.69
9.5 82.95 87.50 83.77 84.16
10 82.24 86.93 82.99 83.63
10.5 81.20 86.36 82.26 82.00
11 80.15 85.78 81.53 80.37
11.5 79.11 85.21 80.80 78.75
12 78.06 84.64 80.08 77.12
12.5 77.02 84.06 79.35 75.49
13 75.97 83.49 78.62 73.87
13.5 74.93 82.91 77.90 72.24
14 73.88 82.34 77.17 70.61
14.5 72.84 81.76 76.44 68.99
15 71.79 81.19 75.72 67.36
15.5 70.74 80.62 74.99 65.73
16 69.70 80.04 74.26 64.10
16.5 68.65 79.47 73.54 62.48
17 67.61 78.89 72.81 60.85
17.5 66.56 78.32 72.08 59.22
18 65.52 77.75 71.35 57.60
18.5 64.47 77.17 70.63 55.97
19 63.43 76.60 69.90 54.34
19.5 62.38 76.02 69.17 52.72
20 61.34 75.45 68.45 51.09
20.5 59.57 73.55 66.42 49.86
21 57.81 71.64 64.39 48.63
21.5 56.04 69.74 62.37 47.41
22 54.28 67.84 60.34 46.18
22.5 52.52 65.94 58.31 44.95
23 50.75 64.04 56.28 43.72
23.5 48.99 62.13 54.26 42.50
24 47.22 60.23 52.23 41.27
24.5 45.46 58.33 50.20 40.04
25 43.69 56.43 48.18 38.81
25.5 41.93 54.52 46.15 37.59
26 40.17 52.62 44.12 36.36
26.5 38.40 50.72 42.10 35.13
27 36.64 48.82 40.07 33.90
27.5 34.87 46.92 38.04 32.68
28 33.11 45.01 36.01 31.45
28.5 31.34 43.11 33.99 30.22
29 29.58 41.21 31.96 28.99
29.5 27.82 39.31 29.93 27.77
30 26.05 37.40 27.91 26.54
30.5 25.30 36.39 27.25 25.61
31 24.56 35.38 26.59 24.68
31.5 23.81 34.37 25.94 23.75
32 23.06 33.36 25.28 22.82
32.5 22.31 32.35 24.62 21.90
33 21.56 31.34 23.96 20.97
33.5 20.82 30.34 23.31 20.04
34 20.07 29.33 22.65 19.11
34.5 19.32 28.32 21.99 18.18
35 18.57 27.31 21.34 17.26
35.5 17.83 26.30 20.68 16.33
36 17.08 25.29 20.02 15.40
36.5 16.33 24.28 19.36 14.47
37 15.58 23.27 18.71 13.54
37.5 14.84 22.26 18.05 12.61
38 14.09 21.25 17.39 11.69
38.5 13.34 20.24 16.74 10.76
39 12.59 19.23 16.08 9.83
39.5 11.84 18.22 15.42 8.90
40 11.10 17.21 14.77 7.97
40.5 10.78 16.83 14.38 7.82
41 10.46 16.46 14.00 7.67
41.5 10.14 16.08 13.61 7.52
42 9.82 15.71 13.23 7.37
42.5 9.50 15.33 12.84 7.22
43 9.18 14.96 12.46 7.07
43.5 8.85 14.58 12.08 6.92
44 8.53 14.21 11.69 6.77
44.5 8.21 13.83 11.31 6.62
45 7.89 13.46 10.92 6.47
45.5 7.57 13.08 10.54 6.32
46 7.25 12.71 10.16 6.17
46.5 6.93 12.33 9.77 6.02
47 6.61 11.96 9.39 5.87
47.5 6.29 11.58 9.00 5.72
48 5.97 11.21 8.62 5.57
48.5 5.65 10.83 8.24 5.42
49 5.33 10.46 7.85 5.27
49.5 5.01 10.08 7.47 5.12
50 4.69 9.71 7.08 4.97
50.5 4.58 9.56 7.00 4.82
51 4.46 9.41 6.91 4.67
51.5 4.34 9.26 6.83 4.52
52 4.23 9.11 6.75 4.37
52.5 4.11 8.97 6.66 4.22
53 4.00 8.82 6.58 4.07
53.5 3.88 8.67 6.50 3.93
54 3.77 8.52 6.41 3.78
54.5 3.65 8.37 6.33 3.63
55 3.53 8.23 6.24 3.48
55.5 3.42 8.08 6.16 3.33
56 3.30 7.93 6.08 3.18
56.5 3.19 7.78 5.99 3.03
57 3.07 7.63 5.91 2.88
57.5 2.96 7.49 5.82 2.74
58 2.84 7.34 5.74 2.59
58.5 2.72 7.19 5.66 2.44
59 2.61 7.04 5.57 2.29
59.5 2.49 6.89 5.49 2.14
60 2.38 6.75 5.40 1.99
60.5 2.34 6.64 5.25 1.96
61 2.30 6.53 5.10 1.93
61.5 2.26 6.42 4.94 1.90
62 2.22 6.31 4.79 1.88
62.5 2.18 6.20 4.63 1.85
63 2.14 6.09 4.48 1.82
63.5 2.10 5.98 4.32 1.79
64 2.06 5.88 4.17 1.76
64.5 2.02 5.77 4.01 1.73
65 1.98 5.66 3.86 1.70
65.5 1.94 5.55 3.71 1.67
66 1.90 5.44 3.55 1.64
66.5 1.86 5.33 3.40 1.62
67 1.82 5.22 3.24 1.59
67.5 1.78 5.11 3.09 1.56
68 1.74 5.01 2.93 1.53
68.5 1.70 4.90 2.78 1.50
69 1.66 4.79 2.62 1.47
69.5 1.62 4.68 2.47 1.44
70 1.58 4.57 2.32 1.41
70.5 1.54 4.39 2.27 1.43
71 1.51 4.20 2.23 1.44
71.5 1.47 4.02 2.18 1.45
72 1.44 3.84 2.14 1.47
73 1.37 3.47 2.05 1.49
73.5 1.33 3.29 2.01 1.50
74 1.30 3.11 1.96 1.52
74.5 1.26 2.92 1.92 1.53
75 1.23 2.74 1.87 1.54
75.5 1.19 2.56 1.83 1.56
76 1.16 2.37 1.79 1.57
76.5 1.12 2.19 1.74 1.58
77 1.09 2.01 1.70 1.60
78 1.01 1.64 1.61 1.62
78.5 0.98 1.46 1.57 1.64
79 0.94 1.28 1.52 1.65
79.5 0.91 1.09 1.48 1.66
80 0.87 0.91 1.43 1.67
80.5 0.87 1.00 1.41 1.61
81 0.87 1.08 1.39 1.55
81.5 0.87 1.17 1.37 1.49
82 0.88 1.25 1.34 1.42
82.5 0.88 1.34 1.32 1.36
83 0.88 1.43 1.30 1.30
83.5 0.88 1.51 1.28 1.23
84 0.88 1.60 1.25 1.17
84.5 0.88 1.68 1.23 1.11
85 0.88 1.77 1.21 1.04
85.5 0.88 1.85 1.19 0.98
86 0.88 1.94 1.16 0.92
86.5 0.88 2.03 1.14 0.86
87 0.88 2.11 1.12 0.79
87.5 0.88 2.20 1.10 0.73
88 0.88 2.28 1.07 0.67
88.5 0.88 2.37 1.05 0.60
89 0.88 2.46 1.03 0.54
89.5 0.88 2.54 1.01 0.48
90 0.88 2.63 0.98 0.41
90.5 0.86 2.54 0.97 0.42
91 0.83 2.46 0.96 0.43
91.5 0.81 2.38 0.96 0.43
92 0.78 2.30 0.95 0.44
93 0.73 2.14 0.93 0.45
93.5 0.71 2.05 0.92 0.46
94 0.68 1.97 0.91 0.46
94.5 0.66 1.89 0.90 0.47
95 0.63 1.81 0.89 0.47
95.5 0.61 1.73 0.88 0.48
96 0.58 1.64 0.87 0.49
96.5 0.56 1.56 0.86 0.49
97 0.53 1.48 0.85 0.50
97.5 0.51 1.40 0.84 0.50
98 0.48 1.32 0.83 0.51
98.5 0.46 1.23 0.82 0.52
99 0.43 1.15 0.81 0.52
99.5 0.40 1.07 0.80 0.53
100 0.38 0.99 0.79 0.53

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

Race or ethnicity (location-based distribution)
Percent bad
Score Non-
Hispanic
white
Black Hispanic Asian
0 96.85 97.74 97.50 97.62
0.5 96.17 97.17 96.83 96.87
1 95.49 96.61 96.17 96.11
1.5 94.81 96.05 95.50 95.35
2 94.13 95.48 94.84 94.60
2.5 93.46 94.92 94.17 93.84
3 92.78 94.36 93.51 93.09
3.5 92.10 93.79 92.84 92.33
4 91.42 93.23 92.18 91.57
4.5 90.74 92.67 91.51 90.82
5 90.06 92.11 90.85 90.06
5.5 89.38 91.54 90.18 89.30
6 88.70 90.98 89.52 88.55
6.5 88.02 90.42 88.85 87.79
7 87.34 89.85 88.19 87.03
7.5 86.66 89.29 87.52 86.28
8 85.98 88.73 86.86 85.52
8.5 85.30 88.16 86.20 84.76
9 84.62 87.60 85.53 84.01
9.5 83.94 87.04 84.87 83.25
10 83.27 86.48 84.20 82.50
10.5 82.28 85.83 83.32 81.37
11 81.30 85.19 82.44 80.24
11.5 80.32 84.55 81.55 79.12
12 79.34 83.90 80.67 77.99
12.5 78.36 83.26 79.79 76.87
13 77.38 82.62 78.91 75.74
13.5 76.40 81.97 78.02 74.61
14 75.41 81.33 77.14 73.49
14.5 74.43 80.69 76.26 72.36
15 73.45 80.04 75.38 71.23
15.5 72.47 79.40 74.49 70.11
16 71.49 78.76 73.61 68.98
16.5 70.51 78.11 72.73 67.86
17 69.53 77.47 71.85 66.73
17.5 68.55 76.83 70.96 65.60
18 67.56 76.18 70.08 64.48
18.5 66.58 75.54 69.20 63.35
19 65.60 74.90 68.32 62.23
19.5 64.62 74.25 67.43 61.10
20 63.64 73.61 66.55 59.97
20.5 61.78 71.61 64.64 58.25
21 59.93 69.62 62.72 56.52
21.5 58.08 67.63 60.81 54.79
22 56.22 65.63 58.89 53.06
22.5 54.37 63.64 56.98 51.34
23 52.51 61.65 55.06 49.61
23.5 50.66 59.65 53.15 47.88
24 48.80 57.66 51.24 46.15
24.5 46.95 55.67 49.32 44.42
25 45.10 53.67 47.41 42.70
25.5 43.24 51.68 45.49 40.97
26 41.39 49.69 43.58 39.24
26.5 39.53 47.69 41.66 37.51
27 37.68 45.70 39.75 35.79
27.5 35.82 43.71 37.84 34.06
28 33.97 41.71 35.92 32.33
28.5 32.12 39.72 34.01 30.60
29 30.26 37.72 32.09 28.88
29.5 28.41 35.73 30.18 27.15
30 26.55 33.74 28.26 25.42
30.5 25.81 32.83 27.62 24.71
31 25.08 31.92 26.97 23.99
31.5 24.34 31.02 26.33 23.28
32 23.60 30.11 25.68 22.56
32.5 22.86 29.21 25.04 21.85
33 22.12 28.30 24.39 21.14
33.5 21.38 27.39 23.75 20.42
34 20.65 26.49 23.10 19.71
34.5 19.91 25.58 22.46 18.99
35 19.17 24.67 21.81 18.28
35.5 18.43 23.77 21.17 17.57
36 17.69 22.86 20.52 16.85
36.5 16.95 21.95 19.88 16.14
37 16.22 21.05 19.23 15.42
37.5 15.48 20.14 18.59 14.71
38 14.74 19.23 17.94 14.00
38.5 14.00 18.33 17.30 13.28
39 13.26 17.42 16.65 12.57
39.5 12.52 16.51 16.01 11.85
40 11.79 15.61 15.36 11.14
40.5 11.43 15.19 14.92 10.79
41 11.07 14.77 14.48 10.45
41.5 10.71 14.36 14.04 10.10
42 10.35 13.94 13.59 9.76
42.5 10.00 13.52 13.15 9.41
43 9.64 13.11 12.71 9.06
43.5 9.28 12.69 12.27 8.72
44 8.92 12.27 11.82 8.37
44.5 8.57 11.86 11.38 8.03
45 8.21 11.44 10.94 7.68
45.5 7.85 11.02 10.49 7.33
46 7.49 10.61 10.05 6.99
46.5 7.14 10.19 9.61 6.64
47 6.78 9.77 9.17 6.30
47.5 6.42 9.36 8.72 5.95
48 6.06 8.94 8.28 5.60
48.5 5.70 8.52 7.84 5.26
49 5.35 8.11 7.39 4.91
49.5 4.99 7.69 6.95 4.57
50 4.63 7.27 6.51 4.22
50.5 4.55 7.13 6.41 4.15
51 4.46 6.99 6.31 4.08
51.5 4.38 6.85 6.21 4.01
52 4.30 6.71 6.12 3.94
52.5 4.21 6.57 6.02 3.87
53 4.13 6.43 5.92 3.80
53.5 4.04 6.29 5.82 3.74
54 3.96 6.15 5.72 3.67
54.5 3.88 6.01 5.62 3.60
55 3.79 5.87 5.53 3.53
55.5 3.71 5.73 5.43 3.46
56 3.62 5.59 5.33 3.39
56.5 3.54 5.45 5.23 3.32
57 3.46 5.31 5.13 3.25
57.5 3.37 5.17 5.03 3.18
58 3.29 5.03 4.94 3.11
58.5 3.20 4.89 4.84 3.04
59 3.12 4.75 4.74 2.97
59.5 3.04 4.61 4.64 2.90
60 2.95 4.47 4.54 2.84
60.5 2.88 4.37 4.41 2.78
61 2.81 4.28 4.28 2.72
61.5 2.74 4.18 4.15 2.66
62 2.67 4.08 4.02 2.60
62.5 2.60 3.98 3.88 2.55
63 2.53 3.89 3.75 2.49
63.5 2.46 3.79 3.62 2.43
64 2.39 3.69 3.49 2.37
64.5 2.32 3.59 3.36 2.32
65 2.25 3.50 3.22 2.26
65.5 2.18 3.40 3.09 2.20
66 2.11 3.30 2.96 2.14
66.5 2.04 3.21 2.83 2.09
67 1.97 3.11 2.70 2.03
67.5 1.90 3.01 2.57 1.97
68 1.83 2.91 2.43 1.91
68.5 1.76 2.82 2.30 1.86
69 1.69 2.72 2.17 1.80
69.5 1.62 2.62 2.04 1.74
70 1.55 2.52 1.91 1.68
70.5 1.52 2.47 1.88 1.67
71 1.49 2.41 1.86 1.66
71.5 1.46 2.35 1.83 1.66
72 1.43 2.29 1.81 1.65
73 1.38 2.17 1.76 1.63
73.5 1.35 2.11 1.74 1.62
74 1.32 2.05 1.71 1.61
74.5 1.29 1.99 1.69 1.60
75 1.26 1.93 1.66 1.59
75.5 1.24 1.87 1.64 1.58
76 1.21 1.81 1.61 1.57
76.5 1.18 1.75 1.59 1.57
77 1.15 1.69 1.57 1.56
78 1.09 1.58 1.52 1.54
78.5 1.07 1.52 1.49 1.53
79 1.04 1.46 1.47 1.52
79.5 1.01 1.40 1.44 1.51
80 0.98 1.34 1.42 1.50
80.5 0.97 1.35 1.40 1.47
81 0.97 1.36 1.37 1.43
81.5 0.96 1.36 1.35 1.39
82 0.96 1.37 1.32 1.36
82.5 0.95 1.38 1.30 1.32
83 0.95 1.39 1.28 1.28
83.5 0.94 1.40 1.25 1.25
84 0.93 1.40 1.23 1.21
84.5 0.93 1.41 1.21 1.17
85 0.92 1.42 1.18 1.14
85.5 0.92 1.43 1.16 1.10
86 0.91 1.44 1.13 1.06
86.5 0.90 1.45 1.11 1.03
87 0.90 1.45 1.09 0.99
87.5 0.89 1.46 1.06 0.95
88 0.89 1.47 1.04 0.92
88.5 0.88 1.48 1.02 0.88
89 0.88 1.49 0.99 0.84
89.5 0.87 1.50 0.97 0.81
90 0.86 1.50 0.94 0.77
90.5 0.84 1.47 0.93 0.77
91 0.82 1.44 0.92 0.77
91.5 0.80 1.40 0.91 0.76
92 0.78 1.37 0.90 0.76
93 0.74 1.30 0.87 0.76
93.5 0.71 1.27 0.86 0.75
94 0.69 1.24 0.85 0.75
94.5 0.67 1.20 0.83 0.75
95 0.65 1.17 0.82 0.75
95.5 0.63 1.13 0.81 0.74
96 0.61 1.10 0.80 0.74
96.5 0.58 1.07 0.79 0.74
97 0.56 1.03 0.77 0.74
97.5 0.54 1.00 0.76 0.73
98 0.52 0.97 0.75 0.73
98.5 0.50 0.93 0.74 0.73
99 0.48 0.90 0.72 0.73
99.5 0.46 0.87 0.71 0.72
100 0.43 0.83 0.70 0.72

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

Sex
Percent bad
Score Male Female
0 97.97 96.59
0.5 97.21 95.99
1 96.45 95.40
1.5 95.69 94.80
2 94.93 94.20
2.5 94.17 93.61
3 93.41 93.01
3.5 92.65 92.41
4 91.89 91.82
4.5 91.13 91.22
5 90.37 90.63
5.5 89.61 90.03
6 88.86 89.43
6.5 88.10 88.84
7 87.34 88.24
7.5 86.58 87.64
8 85.82 87.05
8.5 85.06 86.45
9 84.30 85.85
9.5 83.54 85.26
10 82.78 84.66
10.5 81.84 83.69
11 80.90 82.72
11.5 79.96 81.76
12 79.02 80.79
12.5 78.08 79.82
13 77.14 78.85
13.5 76.20 77.88
14 75.26 76.91
14.5 74.32 75.94
15 73.38 74.98
15.5 72.44 74.01
16 71.50 73.04
16.5 70.56 72.07
17 69.63 71.10
17.5 68.69 70.13
18 67.75 69.16
18.5 66.81 68.20
19 65.87 67.23
19.5 64.93 66.26
20 63.99 65.29
20.5 62.09 63.48
21 60.18 61.68
21.5 58.28 59.87
22 56.38 58.07
22.5 54.48 56.26
23 52.58 54.46
23.5 50.68 52.65
24 48.77 50.85
24.5 46.87 49.04
25 44.97 47.24
25.5 43.07 45.43
26 41.17 43.63
26.5 39.26 41.82
27 37.36 40.02
27.5 35.46 38.21
28 33.56 36.41
28.5 31.66 34.60
29 29.75 32.80
29.5 27.85 30.99
30 25.95 29.19
30.5 25.25 28.34
31 24.54 27.49
31.5 23.84 26.65
32 23.13 25.80
32.5 22.43 24.95
33 21.72 24.10
33.5 21.01 23.26
34 20.31 22.41
34.5 19.60 21.56
35 18.90 20.72
35.5 18.19 19.87
36 17.49 19.02
36.5 16.78 18.17
37 16.08 17.33
37.5 15.37 16.48
38 14.67 15.63
38.5 13.96 14.79
39 13.26 13.94
39.5 12.55 13.09
40 11.85 12.24
40.5 11.50 11.90
41 11.15 11.55
41.5 10.79 11.21
42 10.44 10.86
42.5 10.09 10.52
43 9.74 10.17
43.5 9.39 9.83
44 9.04 9.48
44.5 8.68 9.14
45 8.33 8.79
45.5 7.98 8.45
46 7.63 8.10
46.5 7.28 7.76
47 6.93 7.41
47.5 6.57 7.07
48 6.22 6.72
48.5 5.87 6.38
49 5.52 6.03
49.5 5.17 5.69
50 4.82 5.34
50.5 4.71 5.22
51 4.61 5.11
51.5 4.50 4.99
52 4.39 4.87
52.5 4.29 4.76
53 4.18 4.64
53.5 4.08 4.52
54 3.97 4.40
54.5 3.87 4.29
55 3.76 4.17
55.5 3.66 4.05
56 3.55 3.94
56.5 3.45 3.82
57 3.34 3.70
57.5 3.24 3.59
58 3.13 3.47
58.5 3.02 3.35
59 2.92 3.23
59.5 2.81 3.12
60 2.71 3.00
60.5 2.67 2.93
61 2.63 2.86
61.5 2.59 2.78
62 2.55 2.71
62.5 2.51 2.64
63 2.47 2.57
63.5 2.43 2.49
64 2.39 2.42
64.5 2.35 2.35
65 2.31 2.28
65.5 2.27 2.20
66 2.23 2.13
66.5 2.19 2.06
67 2.16 1.99
67.5 2.12 1.92
68 2.08 1.84
68.5 2.04 1.77
69 2.00 1.70
69.5 1.96 1.63
70 1.92 1.55
70.5 1.86 1.54
71 1.80 1.52
71.5 1.74 1.50
72 1.68 1.48
73 1.56 1.44
73.5 1.50 1.43
74 1.44 1.41
74.5 1.38 1.39
75 1.32 1.37
75.5 1.26 1.35
76 1.20 1.33
76.5 1.14 1.32
77 1.08 1.30
78 0.96 1.26
78.5 0.90 1.24
79 0.84 1.22
79.5 0.78 1.21
80 0.72 1.19
80.5 0.74 1.17
81 0.76 1.15
81.5 0.77 1.13
82 0.79 1.11
82.5 0.81 1.10
83 0.82 1.08
83.5 0.84 1.06
84 0.86 1.04
84.5 0.88 1.02
85 0.89 1.01
85.5 0.91 0.99
86 0.93 0.97
86.5 0.94 0.95
87 0.96 0.93
87.5 0.98 0.92
88 1.00 0.90
88.5 1.01 0.88
89 1.03 0.86
89.5 1.05 0.84
90 1.07 0.82
90.5 1.04 0.80
91 1.00 0.78
91.5 0.97 0.76
92 0.94 0.74
93 0.88 0.69
93.5 0.85 0.67
94 0.82 0.65
94.5 0.79 0.63
95 0.76 0.60
95.5 0.73 0.58
96 0.70 0.56
96.5 0.67 0.54
97 0.64 0.52
97.5 0.61 0.49
98 0.58 0.47
98.5 0.55 0.45
99 0.52 0.43
99.5 0.48 0.40
100 0.45 0.38

Figure 6.C. TransRisk Score: Existing-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 98.80 98.39 96.20 95.06 92.30
0.5 98.03 97.69 95.60 94.51 91.78
1 97.27 96.99 95.01 93.97 91.26
1.5 96.50 96.28 94.42 93.42 90.75
2 95.74 95.58 93.82 92.88 90.23
2.5 94.97 94.88 93.23 92.33 89.71
3 94.20 94.17 92.64 91.79 89.19
3.5 93.44 93.47 92.04 91.24 88.67
4 92.67 92.77 91.45 90.70 88.16
4.5 91.91 92.07 90.86 90.15 87.64
5 91.14 91.36 90.26 89.61 87.12
5.5 90.38 90.66 89.67 89.06 86.60
6 89.61 89.96 89.08 88.52 86.08
6.5 88.84 89.25 88.48 87.97 85.57
7 88.08 88.55 87.89 87.42 85.05
7.5 87.31 87.85 87.30 86.88 84.53
8 86.55 87.14 86.70 86.33 84.01
8.5 85.78 86.44 86.11 85.79 83.49
9 85.01 85.74 85.52 85.24 82.98
9.5 84.25 85.03 84.92 84.70 82.46
10 83.48 84.33 84.33 84.15 81.94
10.5 83.09 83.32 83.21 82.89 80.57
11 82.70 82.32 82.08 81.63 79.20
11.5 82.31 81.31 80.96 80.37 77.83
12 81.92 80.30 79.83 79.11 76.46
12.5 81.53 79.29 78.71 77.85 75.09
13 81.14 78.28 77.58 76.58 73.72
13.5 80.75 77.27 76.46 75.32 72.34
14 80.36 76.27 75.33 74.06 70.97
14.5 79.97 75.26 74.21 72.80 69.60
15 79.58 74.25 73.08 71.54 68.23
15.5 79.19 73.24 71.96 70.28 66.86
16 78.80 72.23 70.83 69.02 65.49
16.5 78.41 71.23 69.71 67.75 64.12
17 78.02 70.22 68.58 66.49 62.75
17.5 77.63 69.21 67.46 65.23 61.38
18 77.24 68.20 66.33 63.97 60.01
18.5 76.85 67.19 65.21 62.71 58.64
19 76.46 66.18 64.08 61.45 57.27
19.5 76.07 65.18 62.96 60.19 55.89
20 75.68 64.17 61.83 58.93 54.52
20.5 73.28 62.36 60.12 57.31 53.21
21 70.88 60.56 58.40 55.69 51.89
21.5 68.48 58.75 56.69 54.07 50.58
22 66.08 56.95 54.97 52.45 49.26
22.5 63.68 55.14 53.25 50.83 47.95
23 61.28 53.34 51.54 49.21 46.63
23.5 58.88 51.54 49.82 47.59 45.32
24 56.48 49.73 48.11 45.97 44.00
24.5 54.08 47.93 46.39 44.35 42.69
25 51.68 46.12 44.68 42.73 41.37
25.5 49.28 44.32 42.96 41.11 40.06
26 46.88 42.51 41.25 39.49 38.74
26.5 44.48 40.71 39.53 37.87 37.43
27 42.08 38.90 37.82 36.25 36.11
27.5 39.68 37.10 36.10 34.63 34.80
28 37.28 35.29 34.39 33.01 33.48
28.5 34.88 33.49 32.67 31.39 32.17
29 32.48 31.68 30.95 29.77 30.85
29.5 30.08 29.88 29.24 28.15 29.54
30 27.68 28.07 27.52 26.53 28.22
30.5 26.96 27.20 26.72 25.77 27.52
31 26.24 26.32 25.91 25.02 26.81
31.5 25.52 25.45 25.11 24.26 26.10
32 24.80 24.57 24.30 23.51 25.40
32.5 24.09 23.69 23.49 22.75 24.69
33 23.37 22.82 22.69 22.00 23.99
33.5 22.65 21.94 21.88 21.24 23.28
34 21.93 21.07 21.08 20.49 22.57
34.5 21.21 20.19 20.27 19.73 21.87
35 20.50 19.32 19.47 18.98 21.16
35.5 19.78 18.44 18.66 18.22 20.46
36 19.06 17.56 17.85 17.47 19.75
36.5 18.34 16.69 17.05 16.71 19.05
37 17.62 15.81 16.24 15.96 18.34
37.5 16.91 14.94 15.44 15.20 17.63
38 16.19 14.06 14.63 14.45 16.93
38.5 15.47 13.18 13.82 13.69 16.22
39 14.75 12.31 13.02 12.94 15.52
39.5 14.03 11.43 12.21 12.19 14.81
40 13.32 10.56 11.41 11.43 14.10
40.5 12.94 10.27 11.07 11.10 13.65
41 12.56 9.99 10.74 10.77 13.20
41.5 12.18 9.71 10.40 10.44 12.75
42 11.81 9.42 10.07 10.11 12.31
42.5 11.43 9.14 9.73 9.78 11.86
43 11.05 8.86 9.40 9.45 11.41
43.5 10.67 8.58 9.06 9.12 10.96
44 10.29 8.29 8.73 8.79 10.51
44.5 9.92 8.01 8.39 8.46 10.06
45 9.54 7.73 8.06 8.13 9.61
45.5 9.16 7.44 7.72 7.80 9.16
46 8.78 7.16 7.39 7.48 8.71
46.5 8.41 6.88 7.05 7.15 8.26
47 8.03 6.60 6.72 6.82 7.81
47.5 7.65 6.31 6.38 6.49 7.36
48 7.27 6.03 6.05 6.16 6.91
48.5 6.89 5.75 5.71 5.83 6.46
49 6.52 5.46 5.38 5.50 6.01
49.5 6.14 5.18 5.04 5.17 5.56
50 5.76 4.90 4.71 4.84 5.11
50.5 5.63 4.80 4.60 4.72 5.04
51 5.49 4.70 4.48 4.59 4.97
51.5 5.36 4.60 4.37 4.47 4.90
52 5.23 4.50 4.26 4.35 4.83
52.5 5.09 4.41 4.15 4.22 4.76
53 4.96 4.31 4.04 4.10 4.69
53.5 4.83 4.21 3.92 3.98 4.62
54 4.69 4.11 3.81 3.86 4.55
54.5 4.56 4.01 3.70 3.73 4.48
55 4.43 3.91 3.59 3.61 4.41
55.5 4.29 3.81 3.48 3.49 4.34
56 4.16 3.72 3.37 3.37 4.27
56.5 4.03 3.62 3.25 3.24 4.20
57 3.89 3.52 3.14 3.12 4.13
57.5 3.76 3.42 3.03 3.00 4.06
58 3.63 3.32 2.92 2.88 3.99
58.5 3.49 3.22 2.81 2.75 3.92
59 3.36 3.12 2.69 2.63 3.85
59.5 3.22 3.02 2.58 2.51 3.78
60 3.09 2.93 2.47 2.38 3.71
60.5 3.00 2.86 2.41 2.36 3.64
61 2.90 2.79 2.35 2.34 3.57
61.5 2.80 2.72 2.30 2.31 3.50
62 2.71 2.65 2.24 2.29 3.44
62.5 2.61 2.58 2.18 2.26 3.37
63 2.52 2.51 2.12 2.24 3.30
63.5 2.42 2.44 2.07 2.21 3.23
64 2.33 2.37 2.01 2.19 3.16
64.5 2.23 2.30 1.95 2.16 3.10
65 2.14 2.23 1.89 2.14 3.03
65.5 2.04 2.16 1.84 2.11 2.96
66 1.94 2.08 1.78 2.09 2.89
66.5 1.85 2.01 1.72 2.06 2.82
67 1.75 1.94 1.66 2.04 2.76
67.5 1.66 1.87 1.61 2.01 2.69
68 1.56 1.80 1.55 1.99 2.62
68.5 1.47 1.73 1.49 1.96 2.55
69 1.37 1.66 1.43 1.94 2.48
69.5 1.27 1.59 1.38 1.91 2.42
70 1.18 1.52 1.32 1.89 2.35
70.5 1.21 1.49 1.29 1.83 2.29
71 1.25 1.46 1.26 1.77 2.23
71.5 1.29 1.42 1.23 1.71 2.18
72 1.32 1.39 1.20 1.66 2.12
73 1.39 1.32 1.14 1.54 2.01
73.5 1.43 1.29 1.11 1.48 1.95
74 1.46 1.25 1.09 1.42 1.90
74.5 1.50 1.22 1.06 1.36 1.84
75 1.53 1.19 1.03 1.31 1.78
75.5 1.57 1.15 1.00 1.25 1.73
76 1.60 1.12 0.97 1.19 1.67
76.5 1.64 1.08 0.94 1.13 1.61
77 1.68 1.05 0.91 1.07 1.56
78 1.75 0.98 0.85 0.96 1.45
78.5 1.78 0.95 0.82 0.90 1.39
79 1.82 0.91 0.79 0.84 1.33
79.5 1.85 0.88 0.76 0.78 1.28
80 1.89 0.85 0.73 0.72 1.22
80.5 1.82 0.84 0.74 0.72 1.22
81 1.75 0.83 0.75 0.72 1.22
81.5 1.68 0.83 0.76 0.72 1.21
82 1.60 0.82 0.77 0.72 1.21
82.5 1.53 0.81 0.78 0.72 1.21
83 1.46 0.81 0.79 0.72 1.21
83.5 1.39 0.80 0.80 0.72 1.20
84 1.32 0.79 0.81 0.72 1.20
84.5 1.25 0.79 0.82 0.72 1.20
85 1.18 0.78 0.82 0.72 1.19
85.5 1.11 0.77 0.83 0.72 1.19
86 1.04 0.77 0.84 0.72 1.19
86.5 0.97 0.76 0.85 0.72 1.19
87 0.90 0.75 0.86 0.72 1.18
87.5 0.82 0.75 0.87 0.72 1.18
88 0.75 0.74 0.88 0.72 1.18
88.5 0.68 0.73 0.89 0.72 1.18
89 0.61 0.72 0.90 0.71 1.17
89.5 0.54 0.72 0.91 0.71 1.17
90 0.47 0.71 0.92 0.71 1.17
90.5 0.43 0.67 0.86 0.69 1.14
91 0.38 0.63 0.80 0.66 1.12
91.5 0.34 0.58 0.75 0.64 1.10
92 0.30 0.54 0.69 0.62 1.07
93 0.21 0.46 0.58 0.57 1.02
93.5 0.17 0.42 0.53 0.54 1.00
94 0.12 0.37 0.47 0.52 0.97
94.5 0.08 0.33 0.42 0.49 0.95
95 0.04 0.29 0.36 0.47 0.92
95.5 0.00 0.25 0.30 0.44 0.90
96 0.00 0.21 0.25 0.42 0.87
96.5 0.00 0.16 0.19 0.40 0.85
97 0.00 0.12 0.14 0.37 0.83
97.5 0.00 0.08 0.08 0.35 0.80
98 0.00 0.04 0.03 0.32 0.78
98.5 0.00 0.00 0.00 0.30 0.75
99 0.00 0.00 0.00 0.27 0.73
99.5 0.00 0.00 0.00 0.25 0.70
100 0.00 0.00 0.00 0.23 0.68

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

Marital status
Percent bad
Score Married
male
Single
male
Married
female
Single
female
0 96.63 97.60 94.83 96.56
0.5 95.98 96.89 94.37 95.98
1 95.33 96.19 93.91 95.39
1.5 94.68 95.48 93.45 94.81
2 94.03 94.78 92.98 94.22
2.5 93.38 94.07 92.52 93.64
3 92.73 93.37 92.06 93.05
3.5 92.08 92.66 91.59 92.46
4 91.43 91.96 91.13 91.88
4.5 90.78 91.25 90.67 91.29
5 90.13 90.55 90.21 90.71
5.5 89.48 89.84 89.74 90.12
6 88.83 89.14 89.28 89.54
6.5 88.18 88.43 88.82 88.95
7 87.53 87.73 88.36 88.36
7.5 86.88 87.02 87.89 87.78
8 86.23 86.32 87.43 87.19
8.5 85.58 85.61 86.97 86.61
9 84.93 84.91 86.51 86.02
9.5 84.28 84.20 86.04 85.44
10 83.63 83.50 85.58 84.85
10.5 82.45 82.55 84.36 83.80
11 81.27 81.60 83.14 82.74
11.5 80.09 80.65 81.92 81.68
12 78.91 79.70 80.70 80.63
12.5 77.72 78.75 79.48 79.57
13 76.54 77.80 78.26 78.52
13.5 75.36 76.85 77.04 77.46
14 74.18 75.90 75.82 76.41
14.5 73.00 74.95 74.60 75.35
15 71.82 74.01 73.38 74.30
15.5 70.64 73.06 72.16 73.24
16 69.45 72.11 70.94 72.19
16.5 68.27 71.16 69.72 71.13
17 67.09 70.21 68.50 70.08
17.5 65.91 69.26 67.28 69.02
18 64.73 68.31 66.06 67.96
18.5 63.55 67.36 64.84 66.91
19 62.36 66.41 63.62 65.85
19.5 61.18 65.46 62.40 64.80
20 60.00 64.51 61.18 63.74
20.5 58.28 62.62 59.47 62.10
21 56.56 60.73 57.76 60.45
21.5 54.84 58.84 56.05 58.80
22 53.12 56.95 54.34 57.15
22.5 51.40 55.06 52.63 55.51
23 49.68 53.17 50.92 53.86
23.5 47.97 51.28 49.20 52.21
24 46.25 49.39 47.49 50.57
24.5 44.53 47.50 45.78 48.92
25 42.81 45.61 44.07 47.27
25.5 41.09 43.72 42.36 45.62
26 39.37 41.83 40.65 43.98
26.5 37.65 39.94 38.94 42.33
27 35.93 38.06 37.23 40.68
27.5 34.21 36.17 35.51 39.04
28 32.49 34.28 33.80 37.39
28.5 30.77 32.39 32.09 35.74
29 29.05 30.50 30.38 34.09
29.5 27.33 28.61 28.67 32.45
30 25.61 26.72 26.96 30.80
30.5 24.83 26.05 26.13 29.95
31 24.05 25.37 25.31 29.10
31.5 23.27 24.70 24.48 28.26
32 22.48 24.03 23.65 27.41
32.5 21.70 23.36 22.83 26.56
33 20.92 22.69 22.00 25.71
33.5 20.14 22.02 21.18 24.87
34 19.35 21.35 20.35 24.02
34.5 18.57 20.68 19.52 23.17
35 17.79 20.00 18.70 22.32
35.5 17.00 19.33 17.87 21.48
36 16.22 18.66 17.05 20.63
36.5 15.44 17.99 16.22 19.78
37 14.66 17.32 15.39 18.93
37.5 13.87 16.65 14.57 18.09
38 13.09 15.98 13.74 17.24
38.5 12.31 15.30 12.92 16.39
39 11.53 14.63 12.09 15.54
39.5 10.74 13.96 11.26 14.70
40 9.96 13.29 10.44 13.85
40.5 9.66 12.90 10.13 13.50
41 9.35 12.52 9.82 13.14
41.5 9.05 12.13 9.50 12.79
42 8.74 11.75 9.19 12.44
42.5 8.43 11.36 8.88 12.09
43 8.13 10.97 8.57 11.74
43.5 7.82 10.59 8.26 11.38
44 7.52 10.20 7.95 11.03
44.5 7.21 9.81 7.64 10.68
45 6.91 9.43 7.33 10.33
45.5 6.60 9.04 7.02 9.98
46 6.30 8.66 6.70 9.62
46.5 5.99 8.27 6.39 9.27
47 5.68 7.88 6.08 8.92
47.5 5.38 7.50 5.77 8.57
48 5.07 7.11 5.46 8.22
48.5 4.77 6.72 5.15 7.87
49 4.46 6.34 4.84 7.51
49.5 4.16 5.95 4.53 7.16
50 3.85 5.57 4.22 6.81
50.5 3.78 5.42 4.13 6.62
51 3.71 5.27 4.04 6.43
51.5 3.64 5.12 3.96 6.24
52 3.57 4.97 3.87 6.05
52.5 3.50 4.83 3.79 5.86
53 3.42 4.68 3.70 5.67
53.5 3.35 4.53 3.61 5.48
54 3.28 4.38 3.53 5.29
54.5 3.21 4.23 3.44 5.11
55 3.14 4.09 3.36 4.92
55.5 3.07 3.94 3.27 4.73
56 3.00 3.79 3.18 4.54
56.5 2.93 3.64 3.10 4.35
57 2.86 3.49 3.01 4.16
57.5 2.79 3.34 2.93 3.97
58 2.72 3.20 2.84 3.78
58.5 2.64 3.05 2.75 3.59
59 2.57 2.90 2.67 3.40
59.5 2.50 2.75 2.58 3.21
60 2.43 2.60 2.50 3.02
60.5 2.38 2.62 2.42 3.00
61 2.33 2.63 2.35 2.98
61.5 2.28 2.65 2.27 2.95
62 2.23 2.66 2.20 2.93
62.5 2.18 2.68 2.12 2.91
63 2.13 2.69 2.05 2.89
63.5 2.08 2.71 1.97 2.86
64 2.03 2.72 1.90 2.84
64.5 1.98 2.74 1.82 2.82
65 1.93 2.75 1.75 2.80
65.5 1.88 2.77 1.67 2.77
66 1.83 2.78 1.60 2.75
66.5 1.78 2.80 1.52 2.73
67 1.73 2.81 1.45 2.70
67.5 1.68 2.83 1.37 2.68
68 1.63 2.84 1.30 2.66
68.5 1.57 2.86 1.22 2.64
69 1.52 2.87 1.15 2.61
69.5 1.47 2.89 1.07 2.59
70 1.42 2.90 1.00 2.57
70.5 1.38 2.81 1.00 2.49
71 1.34 2.71 1.00 2.41
71.5 1.29 2.62 1.01 2.34
72 1.25 2.53 1.01 2.26
73 1.16 2.34 1.02 2.10
73.5 1.12 2.25 1.02 2.03
74 1.08 2.16 1.03 1.95
74.5 1.03 2.06 1.03 1.87
75 0.99 1.97 1.04 1.79
75.5 0.95 1.88 1.04 1.72
76 0.90 1.78 1.04 1.64
76.5 0.86 1.69 1.05 1.56
77 0.82 1.60 1.05 1.49
78 0.73 1.41 1.06 1.33
78.5 0.69 1.32 1.06 1.25
79 0.64 1.22 1.07 1.18
79.5 0.60 1.13 1.07 1.10
80 0.56 1.04 1.07 1.02
80.5 0.58 1.08 1.05 1.03
81 0.59 1.13 1.03 1.04
81.5 0.61 1.17 1.01 1.05
82 0.63 1.21 0.99 1.07
82.5 0.65 1.26 0.97 1.08
83 0.66 1.30 0.95 1.09
83.5 0.68 1.35 0.93 1.10
84 0.70 1.39 0.91 1.11
84.5 0.71 1.43 0.89 1.12
85 0.73 1.48 0.87 1.13
85.5 0.75 1.52 0.85 1.14
86 0.77 1.56 0.83 1.15
86.5 0.78 1.61 0.81 1.16
87 0.80 1.65 0.79 1.17
87.5 0.82 1.70 0.77 1.19
88 0.84 1.74 0.75 1.20
88.5 0.85 1.78 0.73 1.21
89 0.87 1.83 0.71 1.22
89.5 0.89 1.87 0.69 1.23
90 0.91 1.92 0.67 1.24
90.5 0.87 1.86 0.65 1.20
91 0.84 1.81 0.63 1.16
91.5 0.81 1.76 0.61 1.12
92 0.77 1.71 0.59 1.07
93 0.71 1.60 0.55 0.99
93.5 0.68 1.55 0.53 0.95
94 0.64 1.50 0.51 0.91
94.5 0.61 1.44 0.49 0.86
95 0.58 1.39 0.47 0.82
95.5 0.54 1.34 0.45 0.78
96 0.51 1.29 0.43 0.74
96.5 0.48 1.23 0.41 0.70
97 0.45 1.18 0.39 0.66
97.5 0.41 1.13 0.37 0.61
98 0.38 1.08 0.35 0.57
98.5 0.35 1.02 0.33 0.53
99 0.31 0.97 0.31 0.49
99.5 0.28 0.92 0.29 0.45
100 0.25 0.87 0.27 0.41

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

Income ratio of tract
Percent bad
Score Low Moderate Middle High
0 100.00 97.53 97.05 95.51
0.5 99.38 96.88 96.33 95.01
1 98.68 96.24 95.62 94.51
1.5 97.98 95.59 94.91 94.00
2 97.28 94.95 94.20 93.50
2.5 96.57 94.31 93.49 93.00
3 95.87 93.66 92.77 92.49
3.5 95.17 93.02 92.06 91.99
4 94.46 92.37 91.35 91.49
4.5 93.76 91.73 90.64 90.98
5 93.06 91.08 89.92 90.48
5.5 92.36 90.44 89.21 89.98
6 91.65 89.80 88.50 89.47
6.5 90.95 89.15 87.79 88.97
7 90.25 88.51 87.07 88.47
7.5 89.54 87.86 86.36 87.96
8 88.84 87.22 85.65 87.46
8.5 88.14 86.58 84.94 86.96
9 87.44 85.93 84.23 86.45
9.5 86.73 85.29 83.51 85.95
10 86.03 84.64 82.80 85.45
10.5 85.59 83.89 81.88 84.16
11 85.14 83.14 80.96 82.86
11.5 84.70 82.39 80.04 81.57
12 84.26 81.63 79.12 80.28
12.5 83.81 80.88 78.20 78.99
13 83.37 80.13 77.28 77.70
13.5 82.93 79.38 76.36 76.41
14 82.49 78.62 75.45 75.11
14.5 82.04 77.87 74.53 73.82
15 81.60 77.12 73.61 72.53
15.5 81.16 76.36 72.69 71.24
16 80.71 75.61 71.77 69.95
16.5 80.27 74.86 70.85 68.66
17 79.83 74.11 69.93 67.36
17.5 79.39 73.35 69.01 66.07
18 78.94 72.60 68.09 64.78
18.5 78.50 71.85 67.17 63.49
19 78.06 71.10 66.25 62.20
19.5 77.61 70.34 65.33 60.91
20 77.17 69.59 64.41 59.61
20.5 75.00 67.59 62.57 57.84
21 72.83 65.60 60.74 56.06
21.5 70.65 63.60 58.90 54.28
22 68.48 61.61 57.06 52.50
22.5 66.31 59.61 55.23 50.72
23 64.13 57.62 53.39 48.94
23.5 61.96 55.62 51.56 47.16
24 59.78 53.62 49.72 45.38
24.5 57.61 51.63 47.88 43.60
25 55.44 49.63 46.05 41.83
25.5 53.26 47.64 44.21 40.05
26 51.09 45.64 42.37 38.27
26.5 48.92 43.65 40.54 36.49
27 46.74 41.65 38.70 34.71
27.5 44.57 39.65 36.86 32.93
28 42.40 37.66 35.03 31.15
28.5 40.22 35.66 33.19 29.37
29 38.05 33.67 31.35 27.60
29.5 35.88 31.67 29.52 25.82
30 33.70 29.68 27.68 24.04
30.5 33.05 28.96 26.92 23.33
31 32.39 28.25 26.17 22.61
31.5 31.74 27.53 25.41 21.90
32 31.08 26.82 24.66 21.19
32.5 30.43 26.10 23.90 20.48
33 29.77 25.39 23.14 19.77
33.5 29.12 24.67 22.39 19.06
34 28.46 23.96 21.63 18.34
34.5 27.81 23.24 20.88 17.63
35 27.15 22.53 20.12 16.92
35.5 26.50 21.81 19.36 16.21
36 25.84 21.10 18.61 15.50
36.5 25.19 20.39 17.85 14.78
37 24.53 19.67 17.10 14.07
37.5 23.88 18.96 16.34 13.36
38 23.22 18.24 15.58 12.65
38.5 22.57 17.53 14.83 11.94
39 21.91 16.81 14.07 11.23
39.5 21.26 16.10 13.32 10.51
40 20.60 15.38 12.56 9.80
40.5 19.95 14.95 12.18 9.51
41 19.30 14.51 11.81 9.22
41.5 18.64 14.08 11.43 8.92
42 17.99 13.64 11.06 8.63
42.5 17.33 13.21 10.68 8.34
43 16.68 12.77 10.30 8.04
43.5 16.03 12.33 9.93 7.75
44 15.37 11.90 9.55 7.46
44.5 14.72 11.46 9.17 7.16
45 14.07 11.03 8.80 6.87
45.5 13.41 10.59 8.42 6.58
46 12.76 10.16 8.05 6.29
46.5 12.11 9.72 7.67 5.99
47 11.45 9.29 7.29 5.70
47.5 10.80 8.85 6.92 5.41
48 10.15 8.42 6.54 5.11
48.5 9.49 7.98 6.16 4.82
49 8.84 7.55 5.79 4.53
49.5 8.19 7.11 5.41 4.23
50 7.53 6.67 5.03 3.94
50.5 7.51 6.53 4.94 3.88
51 7.49 6.39 4.85 3.81
51.5 7.47 6.24 4.76 3.75
52 7.45 6.10 4.67 3.68
52.5 7.42 5.96 4.58 3.62
53 7.40 5.81 4.49 3.55
53.5 7.38 5.67 4.40 3.49
54 7.36 5.53 4.31 3.42
54.5 7.34 5.38 4.22 3.36
55 7.31 5.24 4.12 3.29
55.5 7.29 5.10 4.03 3.23
56 7.27 4.95 3.94 3.16
56.5 7.25 4.81 3.85 3.10
57 7.23 4.66 3.76 3.03
57.5 7.21 4.52 3.67 2.97
58 7.18 4.38 3.58 2.90
58.5 7.16 4.23 3.49 2.84
59 7.14 4.09 3.40 2.77
59.5 7.12 3.95 3.30 2.71
60 7.10 3.80 3.21 2.64
60.5 6.96 3.72 3.13 2.57
61 6.83 3.64 3.06 2.50
61.5 6.69 3.57 2.98 2.43
62 6.56 3.49 2.90 2.36
62.5 6.42 3.41 2.82 2.29
63 6.29 3.33 2.74 2.23
63.5 6.15 3.25 2.66 2.16
64 6.02 3.17 2.58 2.09
64.5 5.88 3.09 2.50 2.02
65 5.75 3.01 2.43 1.95
65.5 5.61 2.93 2.35 1.88
66 5.48 2.85 2.27 1.81
66.5 5.34 2.77 2.19 1.74
67 5.21 2.69 2.11 1.67
67.5 5.07 2.61 2.03 1.60
68 4.94 2.53 1.95 1.53
68.5 4.80 2.45 1.87 1.46
69 4.67 2.37 1.79 1.39
69.5 4.53 2.30 1.72 1.33
70 4.40 2.22 1.64 1.26
70.5 4.24 2.19 1.60 1.24
71 4.08 2.17 1.57 1.23
71.5 3.92 2.14 1.53 1.22
72 3.76 2.12 1.50 1.20
73 3.44 2.07 1.43 1.18
73.5 3.28 2.05 1.39 1.16
74 3.12 2.02 1.35 1.15
74.5 2.95 2.00 1.32 1.14
75 2.79 1.97 1.28 1.13
75.5 2.63 1.95 1.25 1.11
76 2.47 1.92 1.21 1.10
76.5 2.31 1.90 1.18 1.09
77 2.15 1.87 1.14 1.07
78 1.83 1.83 1.07 1.05
78.5 1.67 1.80 1.04 1.03
79 1.51 1.78 1.00 1.02
79.5 1.35 1.75 0.97 1.01
80 1.19 1.73 0.93 1.00
80.5 1.16 1.70 0.93 0.98
81 1.13 1.66 0.94 0.97
81.5 1.10 1.63 0.94 0.95
82 1.08 1.60 0.94 0.94
82.5 1.05 1.57 0.95 0.93
83 1.02 1.54 0.95 0.91
83.5 0.99 1.51 0.95 0.90
84 0.96 1.48 0.96 0.89
84.5 0.93 1.44 0.96 0.87
85 0.90 1.41 0.96 0.86
85.5 0.87 1.38 0.97 0.84
86 0.85 1.35 0.97 0.83
86.5 0.82 1.32 0.97 0.82
87 0.79 1.29 0.98 0.80
87.5 0.76 1.26 0.98 0.79
88 0.73 1.22 0.98 0.77
88.5 0.70 1.19 0.99 0.76
89 0.67 1.16 0.99 0.75
89.5 0.64 1.13 0.99 0.73
90 0.61 1.10 1.00 0.72
90.5 0.61 1.09 0.97 0.70
91 0.61 1.08 0.94 0.69
91.5 0.60 1.07 0.92 0.67
92 0.60 1.06 0.89 0.65
93 0.59 1.05 0.83 0.62
93.5 0.58 1.04 0.81 0.60
94 0.58 1.03 0.78 0.59
94.5 0.57 1.02 0.75 0.57
95 0.57 1.01 0.72 0.55
95.5 0.56 1.00 0.70 0.54
96 0.56 1.00 0.67 0.52
96.5 0.55 0.99 0.64 0.50
97 0.55 0.98 0.62 0.49
97.5 0.55 0.97 0.59 0.47
98 0.54 0.96 0.56 0.45
98.5 0.54 0.95 0.53 0.44
99 0.53 0.95 0.51 0.42
99.5 0.53 0.94 0.48 0.40
100 0.52 0.93 0.45 0.39

Return to figure


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

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



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

Race or ethnicity (SSA data)
Percent bad
Score Non-
Hispanic
white
Black Hispanic Asian
0 79.34 81.51 78.66 78.69
0.5 77.74 80.00 77.14 77.21
1 76.14 78.49 75.61 75.74
1.5 74.54 76.98 74.08 74.27
2 72.94 75.47 72.56 72.79
2.5 71.34 73.96 71.03 71.32
3 69.74 72.45 69.51 69.85
3.5 68.14 70.94 67.98 68.37
4 66.54 69.43 66.46 66.90
4.5 64.95 67.92 64.93 65.43
5 63.35 66.41 63.40 63.95
5.5 61.75 64.90 61.88 62.48
6 60.15 63.39 60.35 61.01
6.5 58.55 61.88 58.83 59.54
7 56.95 60.37 57.30 58.06
7.5 55.35 58.86 55.78 56.59
8 53.75 57.35 54.25 55.12
8.5 52.15 55.84 52.72 53.64
9 50.55 54.33 51.20 52.17
9.5 48.95 52.82 49.67 50.70
10 47.35 51.31 48.15 49.22
10.5 46.48 50.87 47.52 47.99
11 45.61 50.44 46.89 46.76
11.5 44.74 50.00 46.26 45.53
12 43.87 49.57 45.63 44.30
12.5 43.00 49.13 44.99 43.07
13 42.13 48.70 44.36 41.84
13.5 41.26 48.26 43.73 40.60
14 40.39 47.82 43.10 39.37
14.5 39.52 47.39 42.47 38.14
15 38.65 46.95 41.84 36.91
15.5 37.78 46.52 41.21 35.68
16 36.91 46.08 40.58 34.45
16.5 36.04 45.65 39.95 33.22
17 35.17 45.21 39.32 31.99
17.5 34.30 44.77 38.69 30.76
18 33.44 44.34 38.06 29.53
18.5 32.57 43.90 37.43 28.29
19 31.70 43.47 36.80 27.06
19.5 30.83 43.03 36.17 25.83
20 29.96 42.60 35.54 24.60
20.5 28.91 41.10 34.25 23.88
21 27.87 39.61 32.96 23.16
21.5 26.82 38.12 31.67 22.44
22 25.78 36.63 30.37 21.72
22.5 24.74 35.13 29.08 21.00
23 23.69 33.64 27.79 20.28
23.5 22.65 32.15 26.50 19.56
24 21.61 30.66 25.21 18.83
24.5 20.56 29.17 23.92 18.11
25 19.52 27.67 22.63 17.39
25.5 18.47 26.18 21.34 16.67
26 17.43 24.69 20.05 15.95
26.5 16.39 23.20 18.75 15.23
27 15.34 21.71 17.46 14.51
27.5 14.30 20.21 16.17 13.79
28 13.26 18.72 14.88 13.07
28.5 12.21 17.23 13.59 12.35
29 11.17 15.74 12.30 11.63
29.5 10.12 14.25 11.01 10.91
30 9.08 12.75 9.72 10.18
30.5 8.85 12.50 9.51 9.86
31 8.63 12.25 9.29 9.53
31.5 8.40 12.00 9.08 9.21
32 8.17 11.75 8.87 8.88
32.5 7.95 11.50 8.66 8.55
33 7.72 11.25 8.45 8.23
33.5 7.49 11.00 8.24 7.90
34 7.27 10.75 8.03 7.58
34.5 7.04 10.50 7.82 7.25
35 6.81 10.25 7.61 6.92
35.5 6.59 9.99 7.40 6.60
36 6.36 9.74 7.18 6.27
36.5 6.13 9.49 6.97 5.94
37 5.91 9.24 6.76 5.62
37.5 5.68 8.99 6.55 5.29
38 5.45 8.74 6.34 4.97
38.5 5.23 8.49 6.13 4.64
39 5.00 8.24 5.92 4.31
39.5 4.78 7.99 5.71 3.99
40 4.55 7.74 5.50 3.66
40.5 4.40 7.52 5.35 3.60
41 4.25 7.30 5.21 3.53
41.5 4.11 7.09 5.07 3.46
42 3.96 6.87 4.92 3.40
42.5 3.81 6.66 4.78 3.33
43 3.66 6.44 4.64 3.27
43.5 3.52 6.22 4.50 3.20
44 3.37 6.01 4.35 3.13
44.5 3.22 5.79 4.21 3.07
45 3.08 5.57 4.07 3.00
45.5 2.93 5.36 3.92 2.93
46 2.78 5.14 3.78 2.87
46.5 2.63 4.93 3.64 2.80
47 2.49 4.71 3.49 2.74
47.5 2.34 4.49 3.35 2.67
48 2.19 4.28 3.21 2.60
48.5 2.04 4.06 3.07 2.54
49 1.90 3.84 2.92 2.47
49.5 1.75 3.63 2.78 2.41
50 1.60 3.41 2.64 2.34
50.5 1.56 3.42 2.63 2.28
51 1.53 3.42 2.62 2.21
51.5 1.49 3.43 2.62 2.14
52 1.45 3.44 2.61 2.08
52.5 1.41 3.44 2.60 2.01
53 1.37 3.45 2.59 1.95
53.5 1.34 3.46 2.59 1.88
54 1.30 3.46 2.58 1.82
54.5 1.26 3.47 2.57 1.75
55 1.22 3.48 2.57 1.69
55.5 1.18 3.48 2.56 1.62
56 1.15 3.49 2.55 1.56
56.5 1.11 3.50 2.55 1.49
57 1.07 3.50 2.54 1.43
57.5 1.03 3.51 2.53 1.36
58 0.99 3.52 2.52 1.30
58.5 0.96 3.52 2.52 1.23
59 0.92 3.53 2.51 1.17
59.5 0.88 3.54 2.50 1.10
60 0.84 3.54 2.50 1.04
60.5 0.83 3.42 2.43 1.01
61 0.81 3.30 2.36 0.97
61.5 0.80 3.18 2.29 0.94
62 0.78 3.06 2.22 0.91
62.5 0.77 2.95 2.15 0.88
63 0.75 2.83 2.09 0.84
63.5 0.74 2.71 2.02 0.81
64 0.72 2.59 1.95 0.78
64.5 0.71 2.47 1.88 0.74
65 0.69 2.35 1.81 0.71
65.5 0.68 2.23 1.74 0.68
66 0.66 2.11 1.67 0.65
66.5 0.65 1.99 1.61 0.61
67 0.63 1.87 1.54 0.58
67.5 0.62 1.75 1.47 0.55
68 0.60 1.63 1.40 0.52
68.5 0.59 1.51 1.33 0.48
69 0.57 1.39 1.26 0.45
69.5 0.56 1.27 1.19 0.42
70 0.55 1.15 1.13 0.38
70.5 0.53 1.12 1.08 0.39
71 0.52 1.08 1.04 0.40
71.5 0.51 1.05 1.00 0.42
72 0.50 1.02 0.96 0.43
73 0.47 0.95 0.87 0.45
73.5 0.46 0.92 0.83 0.46
74 0.45 0.89 0.79 0.47
74.5 0.44 0.86 0.75 0.48
75 0.43 0.83 0.70 0.49
75.5 0.41 0.79 0.66 0.50
76 0.40 0.76 0.62 0.51
76.5 0.39 0.73 0.58 0.52
77 0.38 0.70 0.54 0.53
78 0.35 0.63 0.45 0.55
78.5 0.34 0.60 0.41 0.56
79 0.33 0.57 0.37 0.57
79.5 0.32 0.53 0.32 0.58
80 0.31 0.50 0.28 0.59
80.5 0.30 0.50 0.29 0.57
81 0.30 0.49 0.29 0.55
81.5 0.30 0.49 0.30 0.53
82 0.29 0.48 0.30 0.51
82.5 0.29 0.48 0.31 0.49
83 0.29 0.47 0.31 0.46
83.5 0.28 0.47 0.32 0.44
84 0.28 0.46 0.32 0.42
84.5 0.28 0.46 0.33 0.40
85 0.28 0.46 0.33 0.38
85.5 0.27 0.45 0.34 0.36
86 0.27 0.45 0.34 0.34
86.5 0.27 0.44 0.35 0.32
87 0.26 0.44 0.35 0.30
87.5 0.26 0.43 0.36 0.27
88 0.26 0.43 0.36 0.25
88.5 0.25 0.42 0.37 0.23
89 0.25 0.42 0.38 0.21
89.5 0.25 0.41 0.38 0.19
90 0.24 0.41 0.39 0.17
90.5 0.25 0.40 0.38 0.18
91 0.25 0.40 0.37 0.18
91.5 0.25 0.39 0.36 0.19
92 0.25 0.38 0.36 0.20
93 0.26 0.37 0.34 0.21
93.5 0.26 0.37 0.34 0.22
94 0.26 0.36 0.33 0.23
94.5 0.26 0.35 0.32 0.24
95 0.26 0.35 0.32 0.24
95.5 0.27 0.34 0.31 0.25
96 0.27 0.34 0.30 0.26
96.5 0.27 0.33 0.29 0.27
97 0.27 0.32 0.29 0.28
97.5 0.27 0.32 0.28 0.28
98 0.28 0.31 0.27 0.29
98.5 0.28 0.31 0.27 0.30
99 0.28 0.30 0.26 0.31
99.5 0.28 0.29 0.25 0.31
100 0.28 0.29 0.24 0.32

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

Race or ethnicity (location-based distribution)
Percent bad
Score Non-
Hispanic
white
Black Hispanic Asian
0 79.63 81.33 79.19 81.49
0.5 78.03 79.85 77.69 79.83
1 76.42 78.38 76.19 78.18
1.5 74.82 76.91 74.70 76.53
2 73.22 75.44 73.20 74.88
2.5 71.62 73.96 71.71 73.23
3 70.01 72.49 70.21 71.58
3.5 68.41 71.02 68.72 69.93
4 66.81 69.55 67.22 68.27
4.5 65.20 68.07 65.73 66.62
5 63.60 66.60 64.23 64.97
5.5 62.00 65.13 62.73 63.32
6 60.39 63.66 61.24 61.67
6.5 58.79 62.18 59.74 60.02
7 57.19 60.71 58.25 58.36
7.5 55.58 59.24 56.75 56.71
8 53.98 57.77 55.26 55.06
8.5 52.38 56.29 53.76 53.41
9 50.77 54.82 52.27 51.76
9.5 49.17 53.35 50.77 50.11
10 47.57 51.88 49.28 48.45
10.5 46.81 51.38 48.66 47.68
11 46.05 50.88 48.04 46.90
11.5 45.30 50.39 47.42 46.13
12 44.54 49.89 46.80 45.35
12.5 43.78 49.39 46.18 44.57
13 43.03 48.89 45.56 43.80
13.5 42.27 48.40 44.94 43.02
14 41.51 47.90 44.33 42.24
14.5 40.76 47.40 43.71 41.47
15 40.00 46.90 43.09 40.69
15.5 39.24 46.41 42.47 39.91
16 38.49 45.91 41.85 39.14
16.5 37.73 45.41 41.23 38.36
17 36.98 44.92 40.61 37.58
17.5 36.22 44.42 39.99 36.81
18 35.46 43.92 39.38 36.03
18.5 34.71 43.42 38.76 35.25
19 33.95 42.93 38.14 34.48
19.5 33.19 42.43 37.52 33.70
20 32.44 41.93 36.90 32.93
20.5 31.28 40.43 35.59 31.75
21 30.12 38.92 34.27 30.57
21.5 28.96 37.42 32.96 29.40
22 27.80 35.92 31.64 28.22
22.5 26.65 34.41 30.33 27.04
23 25.49 32.91 29.01 25.87
23.5 24.33 31.40 27.70 24.69
24 23.17 29.90 26.38 23.52
24.5 22.01 28.39 25.07 22.34
25 20.86 26.89 23.75 21.16
25.5 19.70 25.39 22.44 19.99
26 18.54 23.88 21.12 18.81
26.5 17.38 22.38 19.81 17.64
27 16.22 20.87 18.49 16.46
27.5 15.07 19.37 17.18 15.28
28 13.91 17.86 15.86 14.11
28.5 12.75 16.36 14.55 12.93
29 11.59 14.86 13.23 11.75
29.5 10.43 13.35 11.92 10.58
30 9.28 11.85 10.60 9.40
30.5 9.06 11.61 10.40 9.20
31 8.85 11.37 10.21 8.99
31.5 8.64 11.13 10.01 8.79
32 8.42 10.89 9.81 8.58
32.5 8.21 10.65 9.61 8.37
33 7.99 10.40 9.41 8.17
33.5 7.78 10.16 9.21 7.96
34 7.57 9.92 9.01 7.76
34.5 7.35 9.68 8.81 7.55
35 7.14 9.44 8.61 7.35
35.5 6.93 9.20 8.41 7.14
36 6.71 8.96 8.21 6.93
36.5 6.50 8.72 8.01 6.73
37 6.28 8.48 7.81 6.52
37.5 6.07 8.24 7.62 6.32
38 5.86 8.00 7.42 6.11
38.5 5.64 7.76 7.22 5.91
39 5.43 7.52 7.02 5.70
39.5 5.22 7.28 6.82 5.50
40 5.00 7.04 6.62 5.29
40.5 4.84 6.84 6.42 5.11
41 4.67 6.64 6.22 4.93
41.5 4.51 6.44 6.02 4.75
42 4.34 6.25 5.82 4.57
42.5 4.17 6.05 5.63 4.39
43 4.01 5.85 5.43 4.21
43.5 3.84 5.65 5.23 4.03
44 3.68 5.45 5.03 3.85
44.5 3.51 5.25 4.83 3.67
45 3.35 5.06 4.63 3.49
45.5 3.18 4.86 4.43 3.31
46 3.02 4.66 4.23 3.13
46.5 2.85 4.46 4.03 2.95
47 2.69 4.26 3.84 2.77
47.5 2.52 4.06 3.64 2.59
48 2.36 3.87 3.44 2.41
48.5 2.19 3.67 3.24 2.23
49 2.03 3.47 3.04 2.05
49.5 1.86 3.27 2.84 1.87
50 1.69 3.07 2.64 1.69
50.5 1.67 3.02 2.62 1.67
51 1.65 2.97 2.59 1.66
51.5 1.63 2.91 2.56 1.65
52 1.60 2.86 2.54 1.63
52.5 1.58 2.81 2.51 1.62
53 1.56 2.75 2.49 1.61
53.5 1.54 2.70 2.46 1.59
54 1.51 2.65 2.43 1.58
54.5 1.49 2.59 2.41 1.57
55 1.47 2.54 2.38 1.55
55.5 1.44 2.49 2.36 1.54
56 1.42 2.43 2.33 1.53
56.5 1.40 2.38 2.30 1.51
57 1.38 2.33 2.28 1.50
57.5 1.35 2.27 2.25 1.49
58 1.33 2.22 2.22 1.47
58.5 1.31 2.17 2.20 1.46
59 1.29 2.12 2.17 1.45
59.5 1.26 2.06 2.15 1.43
60 1.24 2.01 2.12 1.42
60.5 1.21 1.97 2.05 1.38
61 1.17 1.93 1.98 1.34
61.5 1.14 1.89 1.91 1.29
62 1.10 1.85 1.84 1.25
62.5 1.07 1.80 1.77 1.21
63 1.04 1.76 1.70 1.17
63.5 1.00 1.72 1.63 1.12
64 0.97 1.68 1.56 1.08
64.5 0.93 1.64 1.49 1.04
65 0.90 1.60 1.42 1.00
65.5 0.86 1.56 1.35 0.96
66 0.83 1.52 1.28 0.91
66.5 0.80 1.48 1.21 0.87
67 0.76 1.44 1.14 0.83
67.5 0.73 1.39 1.07 0.79
68 0.69 1.35 1.00 0.74
68.5 0.66 1.31 0.93 0.70
69 0.63 1.27 0.86 0.66
69.5 0.59 1.23 0.79 0.62
70 0.56 1.19 0.72 0.57
70.5 0.55 1.15 0.71 0.57
71 0.54 1.11 0.69 0.57
71.5 0.53 1.07 0.68 0.58
72 0.51 1.03 0.66 0.58
73 0.49 0.96 0.63 0.58
73.5 0.48 0.92 0.62 0.58
74 0.47 0.88 0.60 0.58
74.5 0.46 0.84 0.58 0.58
75 0.45 0.80 0.57 0.58
75.5 0.44 0.76 0.55 0.58
76 0.43 0.72 0.54 0.58
76.5 0.42 0.69 0.52 0.58
77 0.41 0.65 0.51 0.58
78 0.38 0.57 0.48 0.59
78.5 0.37 0.53 0.46 0.59
79 0.36 0.49 0.45 0.59
79.5 0.35 0.45 0.43 0.59
80 0.34 0.41 0.42 0.59
80.5 0.34 0.41 0.41 0.57
81 0.33 0.41 0.41 0.56
81.5 0.32 0.41 0.41 0.54
82 0.32 0.41 0.41 0.52
82.5 0.31 0.40 0.40 0.50
83 0.30 0.40 0.40 0.49
83.5 0.30 0.40 0.40 0.47
84 0.29 0.40 0.40 0.45
84.5 0.29 0.39 0.39 0.44
85 0.28 0.39 0.39 0.42
85.5 0.27 0.39 0.39 0.40
86 0.27 0.39 0.39 0.39
86.5 0.26 0.38 0.38 0.37
87 0.26 0.38 0.38 0.35
87.5 0.25 0.38 0.38 0.33
88 0.24 0.38 0.38 0.32
88.5 0.24 0.37 0.37 0.30
89 0.23 0.37 0.37 0.28
89.5 0.23 0.37 0.37 0.27
90 0.22 0.37 0.37 0.25
90.5 0.22 0.38 0.37 0.26
91 0.23 0.39 0.37 0.27
91.5 0.23 0.40 0.37 0.28
92 0.24 0.42 0.37 0.29
93 0.25 0.44 0.37 0.30
93.5 0.25 0.45 0.37 0.31
94 0.26 0.47 0.37 0.32
94.5 0.26 0.48 0.37 0.33
95 0.27 0.49 0.37 0.34
95.5 0.27 0.50 0.38 0.35
96 0.28 0.52 0.38 0.36
96.5 0.28 0.53 0.38 0.37
97 0.29 0.54 0.38 0.38
97.5 0.29 0.55 0.38 0.39
98 0.30 0.56 0.38 0.40
98.5 0.30 0.58 0.38 0.41
99 0.31 0.59 0.38 0.42
99.5 0.31 0.60 0.38 0.42
100 0.31 0.61 0.38 0.43

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

Sex
Percent bad
Score Male Female
0 81.16 78.76
0.5 79.57 77.22
1 77.97 75.67
1.5 76.38 74.13
2 74.78 72.58
2.5 73.19 71.04
3 71.60 69.49
3.5 70.00 67.95
4 68.41 66.40
4.5 66.81 64.86
5 65.22 63.31
5.5 63.63 61.77
6 62.03 60.22
6.5 60.44 58.68
7 58.84 57.13
7.5 57.25 55.59
8 55.66 54.04
8.5 54.06 52.50
9 52.47 50.96
9.5 50.87 49.41
10 49.28 47.87
10.5 48.49 47.10
11 47.70 46.32
11.5 46.90 45.55
12 46.11 44.78
12.5 45.32 44.01
13 44.53 43.24
13.5 43.74 42.47
14 42.94 41.70
14.5 42.15 40.93
15 41.36 40.16
15.5 40.57 39.39
16 39.78 38.62
16.5 38.98 37.85
17 38.19 37.08
17.5 37.40 36.31
18 36.61 35.54
18.5 35.82 34.77
19 35.02 34.00
19.5 34.23 33.23
20 33.44 32.45
20.5 32.23 31.33
21 31.02 30.21
21.5 29.82 29.08
22 28.61 27.96
22.5 27.40 26.83
23 26.19 25.71
23.5 24.99 24.58
24 23.78 23.46
24.5 22.57 22.33
25 21.36 21.21
25.5 20.15 20.08
26 18.95 18.96
26.5 17.74 17.83
27 16.53 16.71
27.5 15.32 15.59
28 14.11 14.46
28.5 12.91 13.34
29 11.70 12.21
29.5 10.49 11.09
30 9.28 9.96
30.5 9.07 9.71
31 8.86 9.46
31.5 8.64 9.20
32 8.43 8.95
32.5 8.22 8.70
33 8.01 8.44
33.5 7.79 8.19
34 7.58 7.94
34.5 7.37 7.69
35 7.16 7.43
35.5 6.94 7.18
36 6.73 6.93
36.5 6.52 6.67
37 6.31 6.42
37.5 6.09 6.17
38 5.88 5.91
38.5 5.67 5.66
39 5.46 5.41
39.5 5.24 5.16
40 5.03 4.90
40.5 4.86 4.75
41 4.69 4.61
41.5 4.53 4.46
42 4.36 4.31
42.5 4.19 4.16
43 4.02 4.01
43.5 3.86 3.86
44 3.69 3.72
44.5 3.52 3.57
45 3.35 3.42
45.5 3.19 3.27
46 3.02 3.12
46.5 2.85 2.97
47 2.68 2.83
47.5 2.51 2.68
48 2.35 2.53
48.5 2.18 2.38
49 2.01 2.23
49.5 1.84 2.09
50 1.68 1.94
50.5 1.65 1.89
51 1.63 1.85
51.5 1.60 1.81
52 1.58 1.76
52.5 1.55 1.72
53 1.53 1.68
53.5 1.51 1.64
54 1.48 1.59
54.5 1.46 1.55
55 1.43 1.51
55.5 1.41 1.46
56 1.38 1.42
56.5 1.36 1.38
57 1.33 1.33
57.5 1.31 1.29
58 1.29 1.25
58.5 1.26 1.20
59 1.24 1.16
59.5 1.21 1.12
60 1.19 1.07
60.5 1.16 1.05
61 1.14 1.02
61.5 1.11 0.99
62 1.09 0.96
62.5 1.06 0.93
63 1.04 0.90
63.5 1.01 0.87
64 0.99 0.84
64.5 0.96 0.81
65 0.94 0.78
65.5 0.91 0.75
66 0.89 0.72
66.5 0.86 0.70
67 0.84 0.67
67.5 0.81 0.64
68 0.79 0.61
68.5 0.76 0.58
69 0.74 0.55
69.5 0.71 0.52
70 0.69 0.49
70.5 0.67 0.49
71 0.64 0.48
71.5 0.62 0.48
72 0.60 0.48
73 0.55 0.47
73.5 0.53 0.47
74 0.50 0.46
74.5 0.48 0.46
75 0.45 0.46
75.5 0.43 0.45
76 0.41 0.45
76.5 0.38 0.45
77 0.36 0.44
78 0.31 0.44
78.5 0.29 0.43
79 0.27 0.43
79.5 0.24 0.43
80 0.22 0.42
80.5 0.22 0.41
81 0.23 0.40
81.5 0.23 0.39
82 0.23 0.38
82.5 0.24 0.37
83 0.24 0.36
83.5 0.24 0.35
84 0.25 0.34
84.5 0.25 0.33
85 0.25 0.32
85.5 0.26 0.31
86 0.26 0.30
86.5 0.26 0.29
87 0.27 0.28
87.5 0.27 0.27
88 0.27 0.26
88.5 0.28 0.25
89 0.28 0.24
89.5 0.29 0.23
90 0.29 0.22
90.5 0.29 0.22
91 0.30 0.22
91.5 0.30 0.22
92 0.31 0.22
93 0.31 0.22
93.5 0.32 0.22
94 0.32 0.22
94.5 0.33 0.22
95 0.33 0.22
95.5 0.33 0.22
96 0.34 0.22
96.5 0.34 0.22
97 0.35 0.22
97.5 0.35 0.21
98 0.36 0.21
98.5 0.36 0.21
99 0.36 0.21
99.5 0.37 0.21
100 0.37 0.21

Figure 6.D. TransRisk Score: Random-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 81.49 81.03 79.06 77.67 71.25
0.5 80.02 79.48 77.52 76.02 69.96
1 78.55 77.94 75.98 74.37 68.68
1.5 77.08 76.39 74.44 72.72 67.40
2 75.62 74.84 72.89 71.07 66.12
2.5 74.15 73.29 71.35 69.42 64.83
3 72.68 71.75 69.81 67.77 63.55
3.5 71.21 70.20 68.26 66.12 62.27
4 69.74 68.65 66.72 64.47 60.99
4.5 68.28 67.11 65.18 62.82 59.70
5 66.81 65.56 63.63 61.17 58.42
5.5 65.34 64.01 62.09 59.52 57.14
6 63.87 62.47 60.55 57.87 55.86
6.5 62.40 60.92 59.00 56.22 54.57
7 60.93 59.37 57.46 54.57 53.29
7.5 59.47 57.82 55.92 52.92 52.01
8 58.00 56.28 54.38 51.27 50.73
8.5 56.53 54.73 52.83 49.62 49.44
9 55.06 53.18 51.29 47.97 48.16
9.5 53.59 51.64 49.75 46.32 46.88
10 52.12 50.09 48.20 44.67 45.59
10.5 51.85 49.23 47.23 43.67 44.52
11 51.57 48.37 46.26 42.66 43.44
11.5 51.30 47.50 45.29 41.66 42.37
12 51.02 46.64 44.32 40.65 41.29
12.5 50.75 45.78 43.35 39.65 40.21
13 50.47 44.92 42.38 38.65 39.14
13.5 50.19 44.06 41.41 37.64 38.06
14 49.92 43.20 40.43 36.64 36.98
14.5 49.64 42.33 39.46 35.63 35.91
15 49.37 41.47 38.49 34.63 34.83
15.5 49.09 40.61 37.52 33.63 33.75
16 48.82 39.75 36.55 32.62 32.68
16.5 48.54 38.89 35.58 31.62 31.60
17 48.26 38.02 34.61 30.61 30.52
17.5 47.99 37.16 33.64 29.61 29.45
18 47.71 36.30 32.67 28.61 28.37
18.5 47.44 35.44 31.69 27.60 27.29
19 47.16 34.58 30.72 26.60 26.22
19.5 46.89 33.72 29.75 25.59 25.14
20 46.61 32.85 28.78 24.59 24.06
20.5 44.84 31.73 27.76 23.78 23.38
21 43.08 30.60 26.75 22.96 22.69
21.5 41.31 29.47 25.73 22.15 22.00
22 39.54 28.34 24.72 21.33 21.32
22.5 37.77 27.22 23.70 20.52 20.63
23 36.01 26.09 22.68 19.70 19.94
23.5 34.24 24.96 21.67 18.89 19.26
24 32.47 23.84 20.65 18.07 18.57
24.5 30.71 22.71 19.64 17.26 17.88
25 28.94 21.58 18.62 16.45 17.19
25.5 27.17 20.45 17.60 15.63 16.51
26 25.40 19.33 16.59 14.82 15.82
26.5 23.64 18.20 15.57 14.00 15.13
27 21.87 17.07 14.56 13.19 14.45
27.5 20.10 15.95 13.54 12.37 13.76
28 18.33 14.82 12.52 11.56 13.07
28.5 16.57 13.69 11.51 10.75 12.39
29 14.80 12.56 10.49 9.93 11.70
29.5 13.03 11.44 9.48 9.12 11.01
30 11.27 10.31 8.46 8.30 10.32
30.5 11.07 10.02 8.24 8.08 10.08
31 10.87 9.72 8.02 7.85 9.84
31.5 10.68 9.43 7.79 7.62 9.60
32 10.48 9.14 7.57 7.39 9.36
32.5 10.29 8.85 7.35 7.17 9.12
33 10.09 8.55 7.13 6.94 8.88
33.5 9.89 8.26 6.91 6.71 8.64
34 9.70 7.97 6.68 6.49 8.40
34.5 9.50 7.68 6.46 6.26 8.16
35 9.31 7.38 6.24 6.03 7.92
35.5 9.11 7.09 6.02 5.81 7.68
36 8.91 6.80 5.80 5.58 7.44
36.5 8.72 6.51 5.58 5.35 7.20
37 8.52 6.21 5.35 5.12 6.96
37.5 8.33 5.92 5.13 4.90 6.72
38 8.13 5.63 4.91 4.67 6.47
38.5 7.93 5.34 4.69 4.44 6.23
39 7.74 5.04 4.47 4.22 5.99
39.5 7.54 4.75 4.24 3.99 5.75
40 7.35 4.46 4.02 3.76 5.51
40.5 7.12 4.32 3.90 3.63 5.33
41 6.90 4.18 3.77 3.50 5.15
41.5 6.67 4.05 3.64 3.37 4.96
42 6.44 3.91 3.52 3.24 4.78
42.5 6.22 3.77 3.39 3.11 4.59
43 5.99 3.64 3.26 2.98 4.41
43.5 5.77 3.50 3.14 2.85 4.23
44 5.54 3.36 3.01 2.72 4.04
44.5 5.32 3.23 2.89 2.59 3.86
45 5.09 3.09 2.76 2.46 3.67
45.5 4.87 2.95 2.63 2.33 3.49
46 4.64 2.82 2.51 2.20 3.31
46.5 4.42 2.68 2.38 2.07 3.12
47 4.19 2.54 2.25 1.94 2.94
47.5 3.96 2.41 2.13 1.81 2.76
48 3.74 2.27 2.00 1.68 2.57
48.5 3.51 2.13 1.88 1.55 2.39
49 3.29 2.00 1.75 1.42 2.20
49.5 3.06 1.86 1.62 1.29 2.02
50 2.84 1.72 1.50 1.16 1.84
50.5 2.79 1.69 1.47 1.14 1.81
51 2.73 1.65 1.43 1.11 1.79
51.5 2.68 1.61 1.40 1.09 1.77
52 2.63 1.57 1.37 1.07 1.75
52.5 2.58 1.54 1.34 1.05 1.72
53 2.53 1.50 1.31 1.03 1.70
53.5 2.47 1.46 1.28 1.01 1.68
54 2.42 1.42 1.24 0.99 1.66
54.5 2.37 1.39 1.21 0.97 1.63
55 2.32 1.35 1.18 0.94 1.61
55.5 2.27 1.31 1.15 0.92 1.59
56 2.21 1.27 1.12 0.90 1.57
56.5 2.16 1.23 1.09 0.88 1.54
57 2.11 1.20 1.05 0.86 1.52
57.5 2.06 1.16 1.02 0.84 1.50
58 2.01 1.12 0.99 0.82 1.48
58.5 1.96 1.08 0.96 0.80 1.45
59 1.90 1.05 0.93 0.78 1.43
59.5 1.85 1.01 0.90 0.75 1.41
60 1.80 0.97 0.86 0.73 1.39
60.5 1.74 0.94 0.84 0.72 1.37
61 1.69 0.91 0.82 0.72 1.34
61.5 1.63 0.88 0.79 0.71 1.32
62 1.58 0.85 0.77 0.70 1.30
62.5 1.52 0.82 0.74 0.69 1.28
63 1.47 0.79 0.72 0.68 1.26
63.5 1.41 0.76 0.69 0.67 1.24
64 1.36 0.73 0.67 0.66 1.22
64.5 1.30 0.70 0.64 0.65 1.20
65 1.25 0.67 0.62 0.64 1.18
65.5 1.19 0.65 0.60 0.64 1.15
66 1.14 0.62 0.57 0.63 1.13
66.5 1.08 0.59 0.55 0.62 1.11
67 1.03 0.56 0.52 0.61 1.09
67.5 0.97 0.53 0.50 0.60 1.07
68 0.92 0.50 0.47 0.59 1.05
68.5 0.86 0.47 0.45 0.58 1.03
69 0.81 0.44 0.43 0.57 1.01
69.5 0.75 0.41 0.40 0.56 0.99
70 0.70 0.38 0.38 0.56 0.97
70.5 0.70 0.38 0.37 0.54 0.94
71 0.71 0.38 0.36 0.52 0.92
71.5 0.72 0.37 0.35 0.50 0.89
72 0.72 0.37 0.34 0.48 0.87
73 0.74 0.37 0.32 0.44 0.82
73.5 0.74 0.36 0.31 0.42 0.79
74 0.75 0.36 0.30 0.40 0.77
74.5 0.75 0.36 0.29 0.38 0.75
75 0.76 0.36 0.28 0.36 0.72
75.5 0.77 0.36 0.27 0.34 0.70
76 0.77 0.35 0.26 0.32 0.67
76.5 0.78 0.35 0.25 0.30 0.65
77 0.79 0.35 0.23 0.28 0.62
78 0.80 0.34 0.21 0.24 0.58
78.5 0.81 0.34 0.20 0.22 0.55
79 0.81 0.34 0.19 0.20 0.53
79.5 0.82 0.34 0.18 0.18 0.50
80 0.83 0.33 0.17 0.16 0.48
80.5 0.78 0.33 0.18 0.16 0.47
81 0.74 0.32 0.18 0.16 0.47
81.5 0.70 0.31 0.18 0.16 0.46
82 0.66 0.30 0.18 0.17 0.45
82.5 0.62 0.29 0.18 0.17 0.45
83 0.58 0.28 0.18 0.17 0.44
83.5 0.53 0.27 0.18 0.17 0.44
84 0.49 0.26 0.18 0.17 0.43
84.5 0.45 0.25 0.18 0.17 0.42
85 0.41 0.24 0.19 0.17 0.42
85.5 0.37 0.23 0.19 0.17 0.41
86 0.33 0.22 0.19 0.18 0.41
86.5 0.28 0.21 0.19 0.18 0.40
87 0.24 0.20 0.19 0.18 0.40
87.5 0.20 0.19 0.19 0.18 0.39
88 0.16 0.18 0.19 0.18 0.38
88.5 0.12 0.17 0.19 0.18 0.38
89 0.08 0.16 0.20 0.18 0.37
89.5 0.03 0.16 0.20 0.18 0.37
90 0.00 0.15 0.20 0.19 0.36
90.5 0.00 0.14 0.19 0.18 0.36
91 0.00 0.13 0.18 0.18 0.37
91.5 0.00 0.12 0.16 0.17 0.37
92 0.00 0.12 0.15 0.17 0.38
93 0.00 0.10 0.13 0.16 0.39
93.5 0.00 0.10 0.12 0.16 0.40
94 0.00 0.09 0.11 0.15 0.40
94.5 0.00 0.08 0.10 0.15 0.41
95 0.00 0.07 0.08 0.15 0.41
95.5 0.00 0.07 0.07 0.14 0.42
96 0.00 0.06 0.06 0.14 0.42
96.5 0.00 0.05 0.05 0.13 0.43
97 0.00 0.05 0.04 0.13 0.43
97.5 0.00 0.04 0.03 0.12 0.44
98 0.00 0.03 0.02 0.12 0.44
98.5 0.00 0.03 0.01 0.12 0.45
99 0.01 0.02 0.00 0.11 0.45
99.5 0.01 0.01 0.00 0.11 0.46
100 0.01 0.00 0.00 0.10 0.46

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

Marital status
Percent bad
Score Married
male
Single
male
Married
female
Single
female
0 79.59 81.59 75.23 79.43
0.5 77.96 80.03 73.82 77.87
1 76.34 78.47 72.40 76.30
1.5 74.71 76.91 70.99 74.74
2 73.08 75.34 69.58 73.17
2.5 71.45 73.78 68.17 71.61
3 69.83 72.22 66.76 70.04
3.5 68.20 70.66 65.35 68.47
4 66.57 69.09 63.94 66.91
4.5 64.94 67.53 62.53 65.34
5 63.32 65.97 61.11 63.78
5.5 61.69 64.40 59.70 62.21
6 60.06 62.84 58.29 60.64
6.5 58.44 61.28 56.88 59.08
7 56.81 59.72 55.47 57.51
7.5 55.18 58.15 54.06 55.95
8 53.55 56.59 52.65 54.38
8.5 51.93 55.03 51.23 52.81
9 50.30 53.47 49.82 51.25
9.5 48.67 51.90 48.41 49.68
10 47.05 50.34 47.00 48.12
10.5 45.98 49.67 45.95 47.33
11 44.91 49.00 44.90 46.54
11.5 43.85 48.33 43.86 45.75
12 42.78 47.66 42.81 44.96
12.5 41.71 47.00 41.76 44.17
13 40.65 46.33 40.71 43.38
13.5 39.58 45.66 39.66 42.58
14 38.51 44.99 38.62 41.79
14.5 37.45 44.32 37.57 41.00
15 36.38 43.65 36.52 40.21
15.5 35.31 42.98 35.47 39.42
16 34.25 42.31 34.42 38.63
16.5 33.18 41.64 33.38 37.84
17 32.12 40.97 32.33 37.05
17.5 31.05 40.31 31.28 36.26
18 29.98 39.64 30.23 35.47
18.5 28.92 38.97 29.18 34.68
19 27.85 38.30 28.13 33.89
19.5 26.78 37.63 27.09 33.10
20 25.72 36.96 26.04 32.31
20.5 24.88 35.59 25.14 31.27
21 24.05 34.23 24.23 30.23
21.5 23.21 32.86 23.33 29.19
22 22.38 31.50 22.43 28.15
22.5 21.55 30.13 21.52 27.11
23 20.71 28.77 20.62 26.07
23.5 19.88 27.40 19.72 25.03
24 19.04 26.04 18.81 23.99
24.5 18.21 24.67 17.91 22.96
25 17.38 23.31 17.01 21.92
25.5 16.54 21.94 16.10 20.88
26 15.71 20.58 15.20 19.84
26.5 14.87 19.21 14.30 18.80
27 14.04 17.84 13.39 17.76
27.5 13.21 16.48 12.49 16.72
28 12.37 15.11 11.59 15.68
28.5 11.54 13.75 10.68 14.64
29 10.70 12.38 9.78 13.60
29.5 9.87 11.02 8.88 12.56
30 9.04 9.65 7.97 11.52
30.5 8.76 9.49 7.77 11.22
31 8.48 9.32 7.57 10.92
31.5 8.20 9.16 7.36 10.62
32 7.92 8.99 7.16 10.32
32.5 7.65 8.83 6.96 10.02
33 7.37 8.66 6.75 9.72
33.5 7.09 8.49 6.55 9.42
34 6.81 8.33 6.35 9.12
34.5 6.53 8.16 6.14 8.82
35 6.26 8.00 5.94 8.52
35.5 5.98 7.83 5.74 8.22
36 5.70 7.67 5.53 7.93
36.5 5.42 7.50 5.33 7.63
37 5.14 7.34 5.13 7.33
37.5 4.87 7.17 4.92 7.03
38 4.59 7.01 4.72 6.73
38.5 4.31 6.84 4.52 6.43
39 4.03 6.68 4.31 6.13
39.5 3.76 6.51 4.11 5.83
40 3.48 6.35 3.91 5.53
40.5 3.36 6.13 3.77 5.39
41 3.24 5.91 3.64 5.24
41.5 3.12 5.70 3.50 5.10
42 3.00 5.48 3.37 4.96
42.5 2.89 5.27 3.24 4.81
43 2.77 5.05 3.10 4.67
43.5 2.65 4.84 2.97 4.53
44 2.53 4.62 2.83 4.38
44.5 2.41 4.40 2.70 4.24
45 2.29 4.19 2.57 4.09
45.5 2.18 3.97 2.43 3.95
46 2.06 3.76 2.30 3.81
46.5 1.94 3.54 2.16 3.66
47 1.82 3.33 2.03 3.52
47.5 1.70 3.11 1.90 3.38
48 1.58 2.90 1.76 3.23
48.5 1.47 2.68 1.63 3.09
49 1.35 2.46 1.49 2.95
49.5 1.23 2.25 1.36 2.80
50 1.11 2.03 1.23 2.66
50.5 1.10 2.00 1.20 2.58
51 1.09 1.96 1.18 2.49
51.5 1.07 1.92 1.16 2.41
52 1.06 1.88 1.14 2.32
52.5 1.05 1.85 1.11 2.24
53 1.03 1.81 1.09 2.15
53.5 1.02 1.77 1.07 2.07
54 1.01 1.73 1.05 1.98
54.5 1.00 1.70 1.02 1.90
55 0.98 1.66 1.00 1.81
55.5 0.97 1.62 0.98 1.73
56 0.96 1.58 0.96 1.64
56.5 0.94 1.55 0.93 1.56
57 0.93 1.51 0.91 1.47
57.5 0.92 1.47 0.89 1.39
58 0.91 1.44 0.87 1.30
58.5 0.89 1.40 0.84 1.22
59 0.88 1.36 0.82 1.13
59.5 0.87 1.32 0.80 1.05
60 0.86 1.29 0.77 0.96
60.5 0.83 1.28 0.74 0.96
61 0.81 1.27 0.71 0.96
61.5 0.79 1.27 0.68 0.96
62 0.76 1.26 0.65 0.96
62.5 0.74 1.25 0.62 0.96
63 0.72 1.25 0.60 0.96
63.5 0.70 1.24 0.57 0.97
64 0.67 1.23 0.54 0.97
64.5 0.65 1.23 0.51 0.97
65 0.63 1.22 0.48 0.97
65.5 0.60 1.21 0.45 0.97
66 0.58 1.21 0.42 0.97
66.5 0.56 1.20 0.39 0.97
67 0.54 1.19 0.36 0.97
67.5 0.51 1.19 0.33 0.97
68 0.49 1.18 0.30 0.97
68.5 0.47 1.17 0.27 0.97
69 0.44 1.17 0.24 0.97
69.5 0.42 1.16 0.21 0.97
70 0.40 1.15 0.18 0.97
70.5 0.39 1.12 0.18 0.95
71 0.37 1.08 0.19 0.92
71.5 0.36 1.04 0.20 0.90
72 0.35 1.00 0.20 0.87
73 0.32 0.92 0.22 0.82
73.5 0.31 0.88 0.22 0.79
74 0.29 0.85 0.23 0.76
74.5 0.28 0.81 0.24 0.74
75 0.27 0.77 0.25 0.71
75.5 0.25 0.73 0.25 0.69
76 0.24 0.69 0.26 0.66
76.5 0.23 0.65 0.27 0.63
77 0.21 0.61<