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

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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 7.A.-7.E.

Figure 7.A. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Any-Account Performance)

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

As shown in the figure, curves encompassed by the ellipses are the data for goods and bads respectively.

Figure 7.A. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Any-Account Performance)
Race or ethnicity (SSA data)
[Figure 7.A. corrected as of Jan. 25 2008]
Percent

Score	Non- Hispanic white (Good)	Non- Hispanic white (Bad)	Black (Good)	Black (Bad)	Black (Bad)	Hispanic (Bad)	Asian (Good)	Asian (Bad)
0	0.00	0.04	0.00	0.12	0.00	0.03	0.00	0.00
0.5	0.00	1.21	0.02	2.00	0.02	1.17	0.00	0.75
1	0.03	5.15	0.37	8.68	0.06	5.42	0.06	4.62
1.5	0.04	6.38	0.45	10.49	0.06	6.75	0.06	5.58
2	0.06	7.95	0.56	12.73	0.10	8.59	0.09	6.65
2.5	0.08	9.17	0.67	14.99	0.16	9.93	0.09	7.59
3	0.11	11.07	0.93	17.98	0.22	12.35	0.10	9.32
3.5	0.14	12.72	1.07	20.50	0.38	13.96	0.11	11.08
4	0.17	14.47	1.15	23.15	0.43	15.86	0.14	12.38
4.5	0.18	15.07	1.19	24.03	0.48	16.55	0.15	12.91
5	0.25	17.65	1.48	27.79	0.57	19.50	0.18	15.45
5.5	0.31	19.68	1.82	30.83	0.71	21.95	0.22	17.41
6	0.37	21.86	2.06	33.66	0.82	23.75	0.30	18.99
6.5	0.39	22.95	2.19	35.37	0.88	25.07	0.35	19.60
7	0.47	25.01	2.46	37.92	1.04	27.45	0.40	20.93
7.5	0.49	25.90	2.68	39.01	1.10	28.39	0.43	22.38
8	0.56	27.62	2.88	41.06	1.25	29.99	0.48	23.45
8.5	0.58	28.41	2.96	41.94	1.42	30.72	0.48	24.17
9	0.62	29.56	3.11	43.42	1.52	31.66	0.53	25.04
9.5	0.66	30.43	3.25	44.50	1.58	32.87	0.59	25.43
10	0.73	31.61	3.55	46.00	1.65	34.09	0.61	26.36
10.5	0.78	32.46	3.76	47.01	1.76	35.03	0.62	26.87
11	0.85	33.84	4.03	48.49	1.91	36.29	0.69	28.75
11.5	0.90	35.07	4.23	49.97	2.00	37.45	0.72	29.82
12	1.00	37.39	4.70	52.42	2.20	39.84	0.78	32.40
12.5	1.08	38.62	5.08	53.67	2.35	40.95	0.86	33.84
13	1.18	40.22	5.43	55.18	2.63	42.34	0.97	35.09
13.5	1.25	41.55	5.81	56.45	2.73	43.54	1.03	36.83
14	1.37	43.87	6.51	58.57	2.97	46.00	1.07	39.07
14.5	1.43	45.07	6.95	59.73	3.11	47.32	1.15	40.17
15	1.55	46.89	7.31	61.58	3.39	49.05	1.23	42.03
15.5	1.64	47.84	7.67	62.61	3.53	50.16	1.29	43.59
16	1.76	49.37	8.20	64.02	3.77	51.70	1.40	44.66
16.5	1.87	50.37	8.71	65.02	4.05	52.93	1.50	45.50
17	2.00	51.61	9.18	66.11	4.53	54.21	1.62	46.42
17.5	2.09	52.38	9.52	66.99	4.71	54.95	1.69	47.01
18	2.24	53.58	10.00	67.96	4.98	56.06	1.81	48.38
18.5	2.34	54.36	10.30	68.80	5.13	56.86	1.90	48.78
19	2.51	55.43	10.66	69.67	5.45	57.91	2.09	49.65
19.5	2.60	56.13	10.98	70.30	5.69	58.69	2.23	50.33
20	2.79	59.09	11.53	75.02	5.99	62.34	2.42	51.79
20.5	2.88	60.02	11.93	76.16	6.24	63.34	2.54	52.83
21	3.03	61.31	12.43	77.55	6.78	64.69	2.62	53.86
21.5	3.14	61.97	12.73	78.26	6.97	65.32	2.70	54.58
22	3.32	62.93	13.32	79.13	7.33	66.36	2.93	55.03
22.5	3.46	63.59	13.73	79.76	7.63	67.01	3.08	55.52
23	3.63	64.58	14.41	80.61	7.98	68.09	3.29	56.10
23.5	3.78	65.52	14.83	81.42	8.42	69.33	3.39	56.65
24	4.06	66.95	15.68	82.60	8.90	71.22	3.74	57.71
24.5	4.24	67.75	16.10	83.26	9.45	71.88	3.87	58.15
25	4.50	68.65	16.81	84.07	10.01	73.06	4.00	59.09
25.5	4.67	69.22	17.55	84.63	10.39	73.69	4.21	59.38
26	4.90	70.07	18.35	85.50	10.99	74.66	4.36	61.00
26.5	5.13	70.87	18.96	86.04	11.37	75.71	4.62	61.69
27	5.49	72.03	19.85	86.78	12.23	76.75	4.96	62.72
27.5	5.68	72.71	20.71	87.24	12.75	77.55	5.17	63.30
28	6.05	73.70	21.65	87.99	13.71	78.28	5.56	64.19
28.5	6.28	74.33	22.22	88.39	14.35	78.96	5.85	64.98
29	6.79	75.45	23.39	89.05	15.32	79.94	6.26	66.46
29.5	7.08	76.16	24.02	89.27	15.84	80.38	6.41	67.03
30	7.46	76.91	25.07	89.79	16.54	81.15	6.94	67.82
30.5	7.70	77.46	25.69	90.14	16.97	81.52	7.25	68.71
31	8.19	78.29	26.76	90.65	17.98	82.28	7.87	69.82
31.5	8.45	78.76	27.23	90.97	18.47	82.74	8.10	70.42
32	8.86	79.33	28.04	91.43	19.28	83.34	8.44	70.86
32.5	9.19	79.86	28.68	91.77	20.13	83.75	8.93	71.82
33	9.63	80.47	29.60	92.08	20.78	84.26	9.31	73.11
33.5	10.00	80.87	30.43	92.40	21.48	84.63	9.61	73.84
34	10.46	81.51	31.37	92.71	22.15	85.16	10.12	74.80
34.5	10.92	82.00	32.10	93.01	22.88	85.57	10.46	75.44
35	11.55	82.83	33.46	93.46	23.94	86.28	11.19	76.43
35.5	11.77	83.13	33.86	93.62	24.38	86.61	11.50	76.91
36	12.48	83.76	34.97	94.00	25.39	87.31	12.18	77.67
36.5	12.81	84.07	35.39	94.11	25.92	87.47	12.54	78.04
37	13.57	84.66	36.83	94.43	27.22	88.27	13.43	78.72
37.5	13.88	84.94	37.45	94.56	27.66	88.47	13.65	79.08
38	14.62	85.62	38.92	94.89	28.94	89.04	14.45	79.70
38.5	14.92	85.84	39.50	95.05	29.33	89.30	14.71	79.94
39	15.53	86.46	40.49	95.37	30.37	89.82	15.68	80.39
39.5	15.75	86.68	40.94	95.43	30.75	89.92	15.93	80.47
40	16.27	87.10	41.70	95.56	31.37	90.29	16.48	80.91
40.5	16.68	87.39	42.44	95.79	31.94	90.37	16.96	81.40
41	17.26	87.81	43.52	96.00	32.91	90.72	17.69	81.99
41.5	17.53	88.00	43.97	96.09	33.41	90.84	18.07	82.17
42	18.19	88.52	45.11	96.35	34.49	91.20	18.81	82.66
42.5	18.57	88.80	45.98	96.45	35.03	91.52	19.22	83.04
43	19.19	89.22	47.02	96.67	36.01	91.78	19.85	83.55
43.5	19.62	89.46	47.62	96.77	36.64	91.94	20.40	83.78
44	20.32	89.80	48.83	96.91	37.72	92.51	21.31	84.01
44.5	20.95	90.13	49.61	97.06	38.53	92.74	21.91	84.64
45	21.48	90.43	50.48	97.15	39.35	93.08	22.54	85.08
45.5	22.06	90.73	51.42	97.20	40.16	93.31	23.19	85.23
46	22.69	91.09	52.27	97.33	41.01	93.51	23.91	85.76
46.5	23.11	91.26	52.79	97.39	41.50	93.70	24.58	86.05
47	24.00	91.58	53.88	97.54	42.63	94.03	25.62	86.52
47.5	24.38	91.71	54.40	97.60	43.10	94.14	26.18	86.87
48	25.33	91.95	55.41	97.67	44.09	94.46	27.12	87.24
48.5	25.79	92.10	55.94	97.70	44.55	94.66	27.61	87.47
49	26.32	92.27	56.53	97.82	45.25	94.86	28.16	87.82
49.5	26.89	92.50	57.18	97.87	45.99	94.96	28.78	88.08
50	27.61	92.73	58.22	97.94	46.94	95.14	29.63	88.31
50.5	27.96	92.86	58.67	97.99	47.42	95.19	30.10	88.53
51	28.66	93.06	59.44	98.07	48.31	95.36	31.07	89.13
51.5	29.18	93.21	59.92	98.11	49.00	95.41	31.64	89.41
52	29.88	93.42	60.50	98.15	49.92	95.60	32.67	89.82
52.5	30.38	93.55	61.09	98.23	50.62	95.76	33.45	90.11
53	31.07	93.74	61.81	98.32	51.52	95.87	34.43	90.53
53.5	31.67	93.92	62.62	98.39	52.19	96.01	35.33	91.03
54	32.43	94.15	63.36	98.45	53.11	96.17	36.44	91.48
54.5	32.81	94.25	63.74	98.50	53.56	96.28	37.13	91.55
55	33.64	94.41	64.67	98.59	54.54	96.43	38.31	91.77
55.5	34.10	94.52	65.31	98.60	55.14	96.53	38.82	91.85
56	34.84	94.68	65.95	98.66	56.15	96.62	39.71	92.00
56.5	35.30	94.76	66.45	98.70	56.79	96.69	40.46	92.15
57	36.07	94.95	67.00	98.77	57.80	96.81	41.44	92.30
57.5	36.52	95.06	67.32	98.78	58.26	97.00	42.06	92.59
58	37.31	95.21	67.88	98.81	59.23	97.15	42.91	92.67
58.5	37.84	95.31	68.32	98.84	59.90	97.22	43.65	92.74
59	38.62	95.49	69.07	98.89	60.75	97.30	44.61	93.04
59.5	39.19	95.57	69.52	98.91	61.33	97.41	45.25	93.19
60	40.06	95.71	70.33	98.99	62.24	97.61	46.41	93.40
60.5	40.47	95.77	70.68	99.00	62.75	97.66	47.05	93.54
61	41.14	95.85	71.31	99.03	63.35	97.75	47.63	93.76
61.5	41.79	95.94	71.83	99.07	63.99	97.78	48.39	93.77
62	42.44	96.04	72.37	99.10	64.71	97.84	49.19	93.91
62.5	43.15	96.12	72.92	99.14	65.37	97.94	50.37	94.13
63	43.84	96.24	73.45	99.17	65.82	98.06	51.13	94.28
63.5	44.58	96.36	74.02	99.22	66.49	98.18	52.01	94.43
64	45.35	96.50	74.50	99.25	67.31	98.28	52.86	94.71
64.5	45.72	96.52	74.82	99.28	67.73	98.31	53.22	94.72
65	46.49	96.63	75.25	99.29	68.40	98.39	54.15	94.93
65.5	46.97	96.70	75.54	99.33	68.70	98.41	54.73	95.15
66	47.73	96.80	76.03	99.34	69.29	98.48	55.56	95.29
66.5	48.16	96.83	76.30	99.34	69.87	98.50	56.24	95.33
67	48.59	96.86	76.50	99.35	70.23	98.53	56.56	95.40
67.5	49.49	97.00	77.31	99.37	71.10	98.60	57.79	95.90
68	49.79	97.03	77.56	99.37	71.41	98.62	58.10	95.97
68.5	50.20	97.07	77.80	99.38	71.78	98.64	58.55	96.04
69	51.14	97.19	78.34	99.39	72.55	98.69	59.52	96.13
69.5	51.73	97.24	78.63	99.40	73.03	98.73	60.13	96.34
70	52.29	97.27	78.96	99.43	73.49	98.79	60.79	96.34
70.5	52.87	97.32	79.42	99.44	73.94	98.84	61.29	96.48
71	53.35	97.36	79.68	99.47	74.35	98.87	61.82	96.55
71.5	53.76	97.42	80.00	99.48	74.71	98.92	62.22	96.69
72	54.76	97.51	80.55	99.48	75.48	99.00	63.26	97.02
73	55.91	97.62	81.33	99.54	76.26	99.07	64.53	97.23
73.5	56.42	97.69	81.57	99.57	76.56	99.12	64.89	97.24
74	56.99	97.73	81.97	99.58	76.92	99.12	65.46	97.24
74.5	57.90	97.79	82.45	99.59	77.55	99.21	66.14	97.42
75	58.70	97.86	82.98	99.62	78.19	99.24	66.72	97.42
75.5	59.34	97.90	83.33	99.63	78.65	99.25	67.41	97.56
76	59.93	97.95	83.65	99.64	79.03	99.29	67.94	97.57
76.5	60.67	98.00	84.18	99.66	79.56	99.32	68.62	97.64
77	62.13	98.13	85.03	99.68	80.77	99.41	70.43	98.22
78	63.51	98.21	85.63	99.71	81.64	99.47	71.54	98.31
78.5	64.09	98.26	85.82	99.72	81.95	99.47	72.03	98.31
79	64.93	98.32	86.22	99.73	82.43	99.52	72.58	98.46
79.5	65.53	98.36	86.50	99.73	82.90	99.52	73.17	98.60
80	66.27	98.40	87.04	99.74	83.41	99.59	73.87	98.67
80.5	67.07	98.45	87.65	99.76	83.92	99.59	74.50	98.68
81	68.54	98.53	88.25	99.77	84.75	99.59	75.72	98.82
81.5	69.21	98.56	88.50	99.79	85.17	99.62	76.35	98.82
82	69.85	98.59	88.80	99.79	85.52	99.63	76.91	98.82
82.5	70.56	98.63	89.19	99.79	85.94	99.63	77.61	98.83
83	71.28	98.69	89.57	99.79	86.34	99.66	78.17	98.91
83.5	72.24	98.73	90.04	99.80	86.81	99.68	78.82	98.99
84	73.42	98.81	90.53	99.80	87.56	99.70	79.84	99.07
84.5	74.07	98.84	90.86	99.80	87.98	99.70	80.25	99.07
85	74.73	98.88	91.23	99.80	88.29	99.70	80.76	99.09
85.5	76.07	98.94	91.85	99.81	89.05	99.71	81.70	99.10
86	76.86	98.96	92.17	99.82	89.38	99.71	82.18	99.17
86.5	77.79	99.00	92.59	99.82	90.01	99.76	82.99	99.17
87	78.35	99.04	92.88	99.83	90.23	99.76	83.41	99.18
87.5	79.47	99.07	93.33	99.86	90.79	99.76	84.24	99.18
88	80.03	99.10	93.50	99.86	91.07	99.78	84.71	99.18
88.5	81.14	99.18	93.87	99.88	91.55	99.82	85.55	99.26
89	81.76	99.21	94.06	99.89	91.78	99.82	86.12	99.27
89.5	83.06	99.26	94.47	99.91	92.34	99.85	87.03	99.41
90	83.74	99.29	94.67	99.92	92.65	99.85	87.51	99.42
90.5	84.40	99.34	94.78	99.93	93.01	99.87	88.05	99.43
91	84.81	99.38	94.90	99.93	93.16	99.87	88.44	99.43
91.5	85.47	99.42	95.09	99.93	93.43	99.87	88.96	99.43
92	86.44	99.47	95.49	99.94	93.90	99.88	89.63	99.45
93	87.82	99.53	96.02	99.94	94.53	99.88	90.65	99.58
93.5	88.98	99.58	96.40	99.94	95.12	99.90	91.33	99.62
94	89.92	99.62	96.79	99.95	95.48	99.92	91.94	99.71
94.5	91.41	99.70	97.22	99.97	96.13	99.94	92.92	99.79
95	92.62	99.73	97.52	99.97	96.64	99.96	93.76	99.87
95.5	93.09	99.76	97.64	99.97	96.89	99.96	94.10	99.87
96	94.31	99.79	98.05	99.98	97.47	99.96	95.13	99.90
96.5	94.67	99.80	98.18	99.98	97.61	99.96	95.42	99.90
97	95.59	99.85	98.46	99.98	98.00	99.98	96.26	99.97
97.5	96.82	99.92	98.92	99.98	98.55	99.98	97.25	99.99
98	98.53	99.95	99.62	100.00	99.35	100.00	98.58	99.99
98.5	99.46	99.99	99.86	100.00	99.76	100.00	99.47	100.00
99	99.87	100.00	99.95	100.00	99.95	100.00	99.85	100.00
99.5	99.97	100.00	100.00	100.00	100.00	100.00	99.92	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.A. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Any-Account Performance)
Race or ethnicity (location-based distribution)
[Figure 7.A. corrected as of Jan. 25 2008]
Percent

Score	Non- Hispanic white (Good)	Non- Hispanic white (Bad)	Black (Good)	Black (Bad)	Black (Bad)	Hispanic (Bad)	Asian (Good)	Asian (Bad)
0	0.00	0.05	0.00	0.09	0.00	0.06	0.00	0.05
0.5	0.00	1.30	0.02	1.75	0.01	1.47	0.00	1.51
1	0.04	5.45	0.16	7.33	0.06	6.37	0.04	6.26
1.5	0.05	6.71	0.20	8.92	0.07	7.73	0.05	7.67
2	0.07	8.37	0.24	10.95	0.13	9.52	0.07	9.13
2.5	0.09	9.72	0.29	12.77	0.16	11.06	0.08	10.44
3	0.12	11.72	0.41	15.38	0.24	13.46	0.12	12.67
3.5	0.16	13.40	0.49	17.68	0.31	15.24	0.14	14.35
4	0.19	15.20	0.56	19.92	0.36	17.21	0.18	16.13
4.5	0.19	15.80	0.58	20.70	0.38	17.92	0.20	16.80
5	0.26	18.51	0.72	24.18	0.48	20.92	0.26	19.60
5.5	0.32	20.65	0.86	26.85	0.58	23.27	0.32	21.53
6	0.38	22.87	0.97	29.41	0.67	25.40	0.38	23.57
6.5	0.42	24.04	1.03	30.85	0.72	26.67	0.41	24.71
7	0.49	26.12	1.17	33.15	0.85	28.77	0.46	26.43
7.5	0.52	27.06	1.25	34.21	0.90	29.81	0.49	27.51
8	0.59	28.77	1.35	36.09	1.00	31.43	0.55	29.03
8.5	0.61	29.55	1.41	36.96	1.08	32.18	0.57	29.79
9	0.66	30.68	1.48	38.35	1.13	33.26	0.62	30.73
9.5	0.69	31.59	1.56	39.48	1.20	34.25	0.66	31.48
10	0.76	32.77	1.71	40.96	1.28	35.43	0.72	32.71
10.5	0.81	33.61	1.83	41.91	1.35	36.32	0.76	33.53
11	0.88	34.97	1.98	43.47	1.45	37.63	0.85	34.99
11.5	0.93	36.21	2.05	44.84	1.52	38.91	0.89	36.08
12	1.04	38.55	2.27	47.11	1.68	41.05	1.01	38.63
12.5	1.12	39.77	2.41	48.36	1.78	42.16	1.10	39.63
13	1.23	41.32	2.61	49.96	1.98	43.53	1.23	40.97
13.5	1.29	42.63	2.77	51.15	2.08	44.79	1.30	42.39
14	1.42	44.85	3.06	53.34	2.27	47.07	1.41	44.69
14.5	1.48	46.09	3.25	54.39	2.39	48.22	1.47	45.67
15	1.60	47.94	3.42	56.10	2.63	49.87	1.61	47.41
15.5	1.69	48.93	3.59	57.06	2.77	50.87	1.69	48.57
16	1.81	50.39	3.87	58.38	2.98	52.42	1.81	50.23
16.5	1.92	51.42	4.12	59.26	3.18	53.38	1.94	51.32
17	2.06	52.60	4.40	60.50	3.43	54.66	2.12	52.50
17.5	2.15	53.38	4.61	61.38	3.58	55.34	2.23	53.10
18	2.30	54.54	4.83	62.43	3.77	56.46	2.36	54.23
18.5	2.40	55.33	4.98	63.21	3.92	57.18	2.46	54.86
19	2.57	56.36	5.24	64.16	4.14	58.11	2.65	55.80
19.5	2.67	57.08	5.46	64.82	4.31	58.78	2.75	56.58
20	2.86	60.31	5.80	69.48	4.61	62.63	2.99	59.68
20.5	2.97	61.30	5.99	70.75	4.78	63.74	3.12	60.73
21	3.14	62.62	6.29	72.09	5.04	65.16	3.32	62.01
21.5	3.25	63.31	6.49	72.82	5.22	65.85	3.45	62.78
22	3.43	64.26	6.85	73.71	5.51	66.82	3.69	63.69
22.5	3.59	64.89	7.08	74.43	5.75	67.47	3.84	64.28
23	3.75	65.86	7.43	75.38	6.08	68.37	4.03	65.09
23.5	3.92	66.77	7.67	76.21	6.35	69.30	4.24	65.89
24	4.20	68.18	8.21	77.49	6.83	70.85	4.53	67.24
24.5	4.39	68.94	8.48	78.18	7.14	71.51	4.73	67.93
25	4.64	69.86	8.92	78.99	7.60	72.48	5.00	68.84
25.5	4.82	70.44	9.27	79.57	7.92	73.14	5.17	69.31
26	5.06	71.30	9.74	80.41	8.35	73.99	5.43	70.11
26.5	5.29	72.10	10.11	81.03	8.68	74.83	5.67	70.85
27	5.67	73.19	10.65	81.88	9.29	75.87	6.03	71.88
27.5	5.88	73.85	11.09	82.44	9.64	76.51	6.28	72.54
28	6.27	74.80	11.69	83.29	10.27	77.30	6.67	73.41
28.5	6.51	75.43	12.04	83.73	10.71	77.93	6.92	74.11
29	7.02	76.44	12.85	84.57	11.50	78.93	7.49	75.19
29.5	7.30	77.06	13.27	84.93	11.96	79.40	7.80	75.72
30	7.70	77.78	13.93	85.55	12.56	80.15	8.24	76.52
30.5	7.95	78.30	14.29	85.96	12.93	80.56	8.48	77.04
31	8.45	79.09	15.04	86.60	13.65	81.38	9.02	77.83
31.5	8.71	79.54	15.39	86.96	14.06	81.76	9.30	78.23
32	9.13	80.14	15.98	87.46	14.70	82.30	9.73	78.76
32.5	9.47	80.65	16.47	87.82	15.29	82.77	10.14	79.26
33	9.91	81.27	17.00	88.25	15.85	83.33	10.53	79.82
33.5	10.27	81.69	17.58	88.62	16.43	83.77	10.95	80.26
34	10.74	82.32	18.20	89.04	17.14	84.37	11.39	80.94
34.5	11.17	82.76	18.78	89.36	17.74	84.85	11.85	81.41
35	11.82	83.52	19.76	89.82	18.58	85.51	12.51	82.22
35.5	12.04	83.82	20.11	90.06	18.88	85.73	12.77	82.59
36	12.73	84.44	21.00	90.56	19.80	86.32	13.57	83.24
36.5	13.05	84.70	21.42	90.74	20.28	86.59	13.94	83.51
37	13.83	85.35	22.42	91.15	21.30	87.27	14.81	84.06
37.5	14.13	85.60	22.83	91.33	21.66	87.54	15.13	84.35
38	14.89	86.24	23.93	91.78	22.63	88.10	15.98	85.01
38.5	15.18	86.47	24.28	91.97	23.01	88.34	16.29	85.35
39	15.80	87.05	25.04	92.39	23.83	88.94	17.14	85.98
39.5	16.03	87.26	25.38	92.49	24.16	89.08	17.41	86.15
40	16.54	87.63	26.04	92.74	24.88	89.49	17.93	86.60
40.5	16.95	87.91	26.60	92.98	25.40	89.69	18.41	86.96
41	17.54	88.32	27.36	93.23	26.23	90.09	19.02	87.33
41.5	17.82	88.50	27.71	93.35	26.58	90.25	19.36	87.49
42	18.49	89.01	28.56	93.66	27.48	90.63	20.08	87.82
42.5	18.89	89.28	29.13	93.81	27.99	90.91	20.53	88.18
43	19.53	89.68	30.01	94.06	28.72	91.19	21.12	88.58
43.5	19.95	89.90	30.52	94.18	29.27	91.41	21.61	88.79
44	20.69	90.23	31.45	94.40	30.23	91.83	22.40	89.19
44.5	21.32	90.56	32.12	94.57	30.98	92.09	23.09	89.46
45	21.86	90.85	32.86	94.75	31.73	92.37	23.68	89.80
45.5	22.46	91.11	33.57	94.89	32.47	92.64	24.31	90.07
46	23.11	91.43	34.34	95.12	33.24	92.88	24.98	90.37
46.5	23.53	91.60	34.88	95.24	33.71	93.03	25.47	90.55
47	24.43	91.91	35.97	95.46	34.77	93.36	26.48	90.82
47.5	24.83	92.05	36.42	95.56	35.23	93.50	26.95	90.97
48	25.78	92.29	37.41	95.74	36.22	93.76	27.87	91.27
48.5	26.24	92.43	37.92	95.83	36.72	93.89	28.34	91.41
49	26.79	92.60	38.54	95.97	37.27	94.07	28.84	91.62
49.5	27.38	92.80	39.24	96.03	37.94	94.25	29.38	91.84
50	28.15	93.00	40.16	96.18	38.84	94.43	30.17	92.06
50.5	28.53	93.12	40.55	96.23	39.23	94.51	30.56	92.17
51	29.25	93.32	41.42	96.37	40.06	94.67	31.45	92.43
51.5	29.77	93.45	41.98	96.47	40.68	94.74	32.05	92.55
52	30.49	93.65	42.74	96.56	41.50	94.92	32.84	92.74
52.5	31.00	93.76	43.32	96.69	42.09	95.07	33.35	92.95
53	31.70	93.95	44.10	96.82	42.97	95.21	34.22	93.21
53.5	32.34	94.14	44.84	96.91	43.60	95.42	34.93	93.50
54	33.11	94.37	45.74	97.05	44.51	95.61	35.87	93.71
54.5	33.50	94.46	46.12	97.11	44.93	95.74	36.35	93.80
55	34.36	94.65	46.99	97.24	45.96	95.95	37.33	94.01
55.5	34.84	94.75	47.50	97.28	46.49	96.04	37.86	94.10
56	35.62	94.91	48.29	97.38	47.34	96.17	38.67	94.20
56.5	36.11	94.98	48.84	97.44	47.89	96.26	39.25	94.31
57	36.93	95.17	49.63	97.54	48.77	96.38	40.16	94.47
57.5	37.40	95.28	50.08	97.58	49.30	96.54	40.68	94.68
58	38.21	95.42	50.80	97.64	50.10	96.68	41.46	94.82
58.5	38.76	95.52	51.38	97.69	50.70	96.76	42.14	94.97
59	39.56	95.68	52.16	97.80	51.50	96.88	43.02	95.08
59.5	40.13	95.76	52.70	97.83	52.11	96.96	43.56	95.15
60	41.05	95.91	53.56	97.94	53.02	97.10	44.55	95.29
60.5	41.47	95.98	54.00	97.96	53.47	97.13	45.05	95.34
61	42.14	96.06	54.64	98.03	54.16	97.22	45.65	95.48
61.5	42.81	96.16	55.29	98.08	54.84	97.28	46.31	95.61
62	43.48	96.24	55.94	98.15	55.47	97.36	46.95	95.69
62.5	44.21	96.34	56.65	98.22	56.20	97.47	47.71	95.81
63	44.90	96.46	57.33	98.27	56.83	97.55	48.45	95.89
63.5	45.72	96.60	58.05	98.32	57.61	97.68	49.33	96.07
64	46.53	96.75	58.77	98.45	58.43	97.82	50.16	96.25
64.5	46.93	96.78	59.14	98.47	58.79	97.85	50.51	96.28
65	47.77	96.90	59.89	98.52	59.61	97.94	51.39	96.43
65.5	48.27	96.97	60.30	98.57	60.04	97.97	51.88	96.54
66	49.08	97.07	61.02	98.59	60.79	98.01	52.60	96.62
66.5	49.73	97.11	61.65	98.60	61.49	98.04	53.31	96.67
67	50.19	97.14	62.01	98.62	61.92	98.05	53.72	96.72
67.5	51.22	97.29	63.04	98.69	63.02	98.14	54.83	96.95
68	51.54	97.32	63.40	98.70	63.36	98.17	55.22	97.00
68.5	51.98	97.35	63.75	98.73	63.76	98.20	55.66	97.02
69	53.03	97.47	64.71	98.78	64.72	98.26	56.71	97.11
69.5	53.62	97.51	65.17	98.80	65.22	98.30	57.26	97.15
70	54.21	97.57	65.70	98.83	65.80	98.36	57.86	97.20
70.5	54.79	97.62	66.33	98.87	66.31	98.41	58.41	97.24
71	55.27	97.66	66.71	98.89	66.72	98.45	58.88	97.28
71.5	55.72	97.71	67.15	98.91	67.14	98.52	59.31	97.39
72	56.74	97.79	68.02	98.94	68.03	98.60	60.26	97.52
73	57.89	97.90	69.02	99.01	69.01	98.67	61.37	97.63
73.5	58.40	97.96	69.51	99.06	69.45	98.73	61.80	97.68
74	58.98	98.00	70.04	99.09	69.94	98.74	62.35	97.73
74.5	60.00	98.06	70.92	99.11	70.80	98.82	63.26	97.82
75	60.92	98.13	71.92	99.14	71.65	98.84	64.02	97.88
75.5	61.55	98.17	72.41	99.17	72.17	98.88	64.57	97.93
76	62.13	98.21	72.86	99.19	72.56	98.94	65.07	97.98
76.5	62.85	98.25	73.38	99.21	73.10	98.96	65.77	98.01
77	64.35	98.37	74.64	99.28	74.43	99.07	67.36	98.21
78	65.70	98.45	75.67	99.35	75.47	99.14	68.63	98.31
78.5	66.25	98.49	76.07	99.38	75.88	99.15	69.15	98.32
79	67.07	98.54	76.71	99.39	76.48	99.18	69.79	98.44
79.5	67.64	98.58	77.22	99.40	76.95	99.20	70.28	98.50
80	68.37	98.61	77.82	99.42	77.56	99.27	70.96	98.55
80.5	69.20	98.66	78.49	99.45	78.27	99.30	71.77	98.60
81	70.56	98.74	79.50	99.47	79.27	99.34	72.94	98.72
81.5	71.19	98.77	79.98	99.49	79.72	99.37	73.55	98.75
82	71.80	98.80	80.35	99.50	80.13	99.38	74.07	98.76
82.5	72.47	98.83	80.88	99.50	80.63	99.40	74.65	98.77
83	73.16	98.87	81.37	99.51	81.15	99.43	75.25	98.80
83.5	74.09	98.92	82.05	99.53	81.82	99.46	76.03	98.84
84	75.19	98.98	82.83	99.55	82.64	99.49	77.01	98.92
84.5	75.80	99.00	83.30	99.56	83.07	99.50	77.55	98.94
85	76.41	99.04	83.78	99.57	83.51	99.52	78.07	98.99
85.5	77.67	99.08	84.72	99.59	84.45	99.53	79.18	99.03
86	78.39	99.10	85.21	99.61	84.91	99.55	79.84	99.07
86.5	79.26	99.14	85.79	99.61	85.57	99.59	80.67	99.10
87	79.79	99.17	86.13	99.62	85.94	99.60	81.19	99.12
87.5	80.81	99.21	86.81	99.66	86.68	99.62	82.13	99.17
88	81.33	99.23	87.14	99.67	87.01	99.62	82.66	99.19
88.5	82.36	99.30	87.85	99.69	87.71	99.67	83.53	99.25
89	82.93	99.32	88.20	99.71	88.12	99.68	84.03	99.28
89.5	84.12	99.37	89.01	99.74	88.92	99.69	85.12	99.34
90	84.75	99.40	89.42	99.76	89.35	99.71	85.62	99.37
90.5	85.35	99.44	89.78	99.77	89.76	99.75	86.16	99.40
91	85.73	99.47	89.99	99.79	89.99	99.75	86.52	99.41
91.5	86.35	99.50	90.42	99.79	90.38	99.76	87.07	99.45
92	87.24	99.54	91.01	99.80	91.01	99.77	87.97	99.49
93	88.51	99.59	91.90	99.81	91.87	99.79	89.06	99.58
93.5	89.57	99.63	92.67	99.82	92.65	99.80	89.95	99.65
94	90.45	99.67	93.35	99.85	93.23	99.84	90.70	99.71
94.5	91.86	99.73	94.42	99.89	94.27	99.87	91.84	99.76
95	92.98	99.77	95.19	99.90	95.07	99.89	92.95	99.83
95.5	93.42	99.79	95.50	99.91	95.38	99.90	93.36	99.85
96	94.60	99.83	96.32	99.93	96.22	99.92	94.52	99.87
96.5	94.93	99.84	96.56	99.93	96.46	99.93	94.87	99.88
97	95.80	99.88	97.17	99.95	97.05	99.94	95.66	99.90
97.5	96.97	99.93	98.09	99.97	97.91	99.97	96.92	99.94
98	98.58	99.96	99.17	99.99	99.00	99.99	98.45	99.95
98.5	99.50	100.00	99.69	100.00	99.64	100.00	99.37	100.00
99	99.88	100.00	99.92	100.00	99.91	100.00	99.83	100.00
99.5	99.97	100.00	99.99	100.00	99.98	100.00	99.95	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.A. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Any-Account Performance)
Sex
[Figure 7.A. corrected as of Jan. 25 2008]
Percent

Score	Male (Good)	Male (Bad)	Female (Good)	Female (Bad)
0	0.00	0.05	0.00	0.07
0.5	0.00	1.24	0.01	1.58
1	0.04	5.46	0.07	6.57
1.5	0.04	6.79	0.08	7.96
2	0.07	8.46	0.11	9.78
2.5	0.09	9.96	0.14	11.24
3	0.13	12.06	0.18	13.58
3.5	0.18	13.89	0.22	15.45
4	0.21	15.74	0.26	17.49
4.5	0.22	16.40	0.28	18.19
5	0.28	19.22	0.37	21.21
5.5	0.36	21.50	0.45	23.57
6	0.42	23.83	0.53	25.79
6.5	0.46	25.07	0.56	27.04
7	0.55	27.33	0.64	29.13
7.5	0.60	28.39	0.67	30.03
8	0.68	30.15	0.74	31.79
8.5	0.72	31.02	0.77	32.52
9	0.77	32.21	0.82	33.70
9.5	0.82	33.19	0.87	34.64
10	0.90	34.42	0.95	35.90
10.5	0.95	35.34	1.02	36.78
11	1.04	36.78	1.10	38.14
11.5	1.09	37.99	1.16	39.48
12	1.21	40.21	1.29	41.95
12.5	1.31	41.47	1.38	43.14
13	1.45	42.97	1.50	44.74
13.5	1.53	44.24	1.58	46.08
14	1.70	46.33	1.72	48.51
14.5	1.79	47.51	1.78	49.77
15	1.94	49.32	1.92	51.58
15.5	2.05	50.37	2.02	52.55
16	2.20	51.87	2.17	53.97
16.5	2.34	52.95	2.30	54.93
17	2.52	54.16	2.46	56.12
17.5	2.64	54.96	2.56	56.89
18	2.82	56.12	2.72	58.01
18.5	2.95	56.90	2.82	58.77
19	3.17	58.01	2.98	59.71
19.5	3.29	58.71	3.08	60.40
20	3.51	62.13	3.30	63.76
20.5	3.63	63.19	3.41	64.69
21	3.83	64.52	3.61	65.99
21.5	3.96	65.25	3.72	66.62
22	4.20	66.20	3.91	67.49
22.5	4.37	66.85	4.09	68.14
23	4.57	67.77	4.28	69.12
23.5	4.77	68.73	4.46	70.03
24	5.12	70.08	4.77	71.49
24.5	5.35	70.83	4.97	72.20
25	5.66	71.80	5.25	73.06
25.5	5.88	72.34	5.45	73.69
26	6.17	73.28	5.73	74.51
26.5	6.45	74.06	5.97	75.25
27	6.88	75.11	6.39	76.31
27.5	7.14	75.78	6.60	76.92
28	7.63	76.73	7.01	77.82
28.5	7.94	77.38	7.25	78.35
29	8.58	78.42	7.76	79.27
29.5	8.92	78.92	8.06	79.87
30	9.37	79.64	8.49	80.54
30.5	9.68	80.08	8.75	81.08
31	10.25	80.83	9.29	81.87
31.5	10.55	81.29	9.57	82.27
32	10.99	81.81	10.03	82.84
32.5	11.39	82.35	10.42	83.25
33	11.88	82.92	10.87	83.80
33.5	12.31	83.32	11.26	84.19
34	12.91	83.94	11.68	84.71
34.5	13.42	84.43	12.13	85.10
35	14.15	85.15	12.78	85.82
35.5	14.40	85.44	13.02	86.08
36	15.17	86.09	13.74	86.61
36.5	15.55	86.37	14.07	86.80
37	16.48	87.01	14.83	87.31
37.5	16.83	87.28	15.13	87.52
38	17.75	87.86	15.88	88.10
38.5	18.10	88.07	16.15	88.32
39	18.82	88.58	16.78	88.89
39.5	19.07	88.76	17.03	89.07
40	19.65	89.13	17.53	89.39
40.5	20.09	89.40	17.98	89.63
41	20.78	89.76	18.56	90.00
41.5	21.10	89.93	18.86	90.17
42	21.83	90.36	19.56	90.63
42.5	22.26	90.60	19.98	90.87
43	22.93	90.95	20.64	91.23
43.5	23.41	91.17	21.06	91.40
44	24.20	91.48	21.82	91.72
44.5	24.87	91.77	22.46	91.99
45	25.44	92.06	23.03	92.24
45.5	26.08	92.24	23.64	92.51
46	26.80	92.56	24.27	92.76
46.5	27.28	92.72	24.67	92.91
47	28.22	93.03	25.59	93.18
47.5	28.66	93.15	25.98	93.30
48	29.64	93.39	26.90	93.48
48.5	30.16	93.50	27.31	93.62
49	30.73	93.67	27.83	93.78
49.5	31.35	93.82	28.41	93.96
50	32.15	94.01	29.12	94.15
50.5	32.58	94.12	29.43	94.24
51	33.29	94.31	30.16	94.42
51.5	33.86	94.43	30.66	94.52
52	34.59	94.61	31.39	94.68
52.5	35.13	94.74	31.89	94.80
53	35.88	94.90	32.59	94.96
53.5	36.55	95.05	33.19	95.13
54	37.37	95.29	33.94	95.27
54.5	37.79	95.38	34.31	95.35
55	38.62	95.50	35.20	95.54
55.5	39.12	95.58	35.65	95.63
56	39.97	95.69	36.32	95.78
56.5	40.48	95.75	36.79	95.86
57	41.30	95.92	37.55	95.99
57.5	41.77	96.03	37.99	96.09
58	42.58	96.13	38.78	96.21
58.5	43.16	96.20	39.32	96.31
59	44.03	96.35	40.04	96.43
59.5	44.61	96.42	40.59	96.51
60	45.47	96.55	41.48	96.65
60.5	45.89	96.59	41.91	96.71
61	46.58	96.66	42.54	96.79
61.5	47.20	96.74	43.21	96.86
62	47.86	96.82	43.87	96.93
62.5	48.57	96.87	44.59	97.05
63	49.26	96.99	45.26	97.13
63.5	50.00	97.11	46.00	97.23
64	50.77	97.23	46.77	97.36
64.5	51.15	97.27	47.14	97.37
65	51.90	97.38	47.89	97.43
65.5	52.38	97.44	48.33	97.49
66	53.14	97.53	49.07	97.55
66.5	53.57	97.56	49.52	97.57
67	54.01	97.59	49.90	97.59
67.5	54.92	97.69	50.82	97.70
68	55.21	97.72	51.13	97.73
68.5	55.63	97.75	51.52	97.75
69	56.58	97.83	52.38	97.84
69.5	57.15	97.88	52.95	97.87
70	57.63	97.91	53.55	97.92
70.5	58.24	97.97	54.06	97.95
71	58.71	98.01	54.50	97.98
71.5	59.15	98.06	54.89	98.03
72	60.11	98.14	55.85	98.10
73	61.23	98.25	56.94	98.18
73.5	61.64	98.31	57.47	98.23
74	62.19	98.34	58.03	98.26
74.5	62.95	98.40	58.98	98.31
75	63.73	98.46	59.72	98.36
75.5	64.34	98.52	60.34	98.39
76	64.94	98.55	60.85	98.42
76.5	65.64	98.58	61.58	98.48
77	67.08	98.67	63.02	98.60
78	68.37	98.73	64.30	98.68
78.5	68.89	98.75	64.87	98.72
79	69.65	98.81	65.66	98.76
79.5	70.20	98.83	66.26	98.80
80	70.86	98.86	67.01	98.84
80.5	71.58	98.91	67.84	98.86
81	72.90	98.98	69.24	98.91
81.5	73.54	98.99	69.85	98.95
82	74.11	99.00	70.47	98.98
82.5	74.80	99.04	71.12	98.99
83	75.44	99.07	71.83	99.04
83.5	76.31	99.08	72.72	99.09
84	77.40	99.14	73.84	99.13
84.5	78.05	99.16	74.41	99.15
85	78.62	99.19	75.04	99.18
85.5	79.81	99.23	76.34	99.22
86	80.56	99.26	77.01	99.23
86.5	81.47	99.29	77.85	99.27
87	82.00	99.31	78.36	99.28
87.5	83.00	99.35	79.43	99.32
88	83.48	99.37	79.98	99.34
88.5	84.42	99.44	81.06	99.39
89	84.96	99.47	81.66	99.41
89.5	86.01	99.51	82.97	99.45
90	86.57	99.54	83.65	99.47
90.5	87.14	99.57	84.27	99.52
91	87.51	99.59	84.65	99.54
91.5	88.06	99.60	85.32	99.58
92	88.89	99.63	86.27	99.62
93	90.07	99.69	87.63	99.64
93.5	91.01	99.73	88.77	99.67
94	91.78	99.75	89.72	99.72
94.5	92.93	99.79	91.26	99.78
95	93.92	99.83	92.46	99.81
95.5	94.34	99.84	92.92	99.83
96	95.33	99.86	94.16	99.87
96.5	95.64	99.86	94.50	99.88
97	96.39	99.90	95.45	99.90
97.5	97.39	99.95	96.73	99.95
98	98.80	99.95	98.46	99.99
98.5	99.52	99.99	99.46	100.00
99	99.87	100.00	99.88	100.00
99.5	99.96	100.00	99.98	100.00
100	100.00	100.00	100.00	100.00

Figure 7.A. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Any-Account Performance)
Age (years)
Percent

Score	Younger than 30 (Good)	Younger than 30 (Bad)	30-39 (Good)	30-39 (Bad)	40-49 (Good)	40-49 (Bad)	50-61 (Good)	50-61 (Bad)	62 or older (Good)	62 or older (Bad)
0	0.00	0.05	0.00	0.04	0.00	0.09	0.00	0.06	0.00	0.04
0.5	0.02	1.17	0.00	1.78	0.00	1.66	0.01	1.34	0.00	0.54
1	0.10	6.20	0.07	7.11	0.05	6.35	0.05	5.22	0.01	3.06
1.5	0.12	7.66	0.10	8.77	0.07	7.76	0.07	6.18	0.01	3.87
2	0.17	9.51	0.13	10.81	0.12	9.56	0.08	7.70	0.02	4.79
2.5	0.19	11.06	0.19	12.53	0.14	11.13	0.10	8.97	0.03	5.61
3	0.27	13.72	0.26	14.96	0.18	13.22	0.13	10.88	0.04	6.95
3.5	0.34	15.74	0.35	17.23	0.23	15.02	0.16	12.21	0.05	8.18
4	0.38	17.73	0.41	19.77	0.28	16.77	0.20	13.96	0.06	9.19
4.5	0.39	18.57	0.43	20.63	0.30	17.40	0.20	14.40	0.06	9.52
5	0.56	21.77	0.54	24.01	0.40	20.49	0.23	16.73	0.09	11.03
5.5	0.74	23.94	0.68	27.04	0.49	23.01	0.28	18.46	0.11	12.26
6	0.82	26.45	0.80	29.54	0.55	25.32	0.34	20.55	0.15	13.56
6.5	0.88	27.78	0.86	31.15	0.59	26.39	0.37	21.60	0.17	14.32
7	1.06	29.94	1.02	34.01	0.68	28.49	0.44	23.40	0.19	15.45
7.5	1.17	31.16	1.07	35.10	0.70	29.45	0.47	24.12	0.20	16.01
8	1.32	33.01	1.17	37.01	0.79	31.40	0.53	25.50	0.24	17.27
8.5	1.37	33.77	1.21	37.91	0.85	32.24	0.55	26.28	0.24	17.81
9	1.47	34.88	1.30	39.40	0.91	33.49	0.59	27.20	0.26	18.61
9.5	1.53	35.78	1.39	40.56	0.96	34.44	0.62	28.04	0.28	19.40
10	1.64	37.10	1.53	41.90	1.06	35.73	0.69	29.26	0.29	20.13
10.5	1.75	37.96	1.62	42.84	1.13	36.69	0.72	30.12	0.31	20.89
11	1.89	39.35	1.73	44.58	1.25	37.93	0.79	31.52	0.35	21.79
11.5	1.99	40.30	1.82	45.89	1.33	39.55	0.84	32.96	0.36	22.67
12	2.18	41.64	2.01	48.45	1.47	42.42	0.95	35.81	0.40	24.80
12.5	2.34	42.45	2.19	49.50	1.55	44.04	1.02	37.26	0.45	26.16
13	2.48	43.64	2.40	50.98	1.72	45.82	1.14	39.24	0.50	27.48
13.5	2.54	44.77	2.52	52.27	1.86	47.34	1.22	40.55	0.52	28.71
14	2.71	47.27	2.77	54.34	2.04	49.58	1.37	42.93	0.57	30.85
14.5	2.79	48.54	2.92	55.52	2.14	50.83	1.44	44.11	0.60	31.94
15	3.02	50.49	3.13	57.29	2.27	52.67	1.56	46.03	0.67	33.30
15.5	3.25	51.50	3.29	58.32	2.37	53.65	1.65	47.13	0.72	34.05
16	3.43	52.86	3.53	59.77	2.55	55.23	1.76	48.55	0.80	35.66
16.5	3.65	53.98	3.71	60.69	2.73	56.26	1.87	49.59	0.86	36.61
17	3.90	55.09	3.97	61.96	2.93	57.54	2.00	50.69	0.93	37.82
17.5	4.05	55.79	4.16	62.78	3.05	58.36	2.09	51.42	0.99	38.68
18	4.28	56.97	4.42	63.91	3.25	59.61	2.22	52.48	1.07	39.58
18.5	4.44	57.61	4.55	64.67	3.44	60.34	2.32	53.39	1.11	40.60
19	4.67	58.59	4.83	65.65	3.64	61.43	2.51	54.47	1.20	41.63
19.5	4.84	59.27	5.04	66.27	3.77	62.17	2.60	55.24	1.24	42.30
20	5.20	64.82	5.39	69.53	4.01	64.84	2.76	57.67	1.34	43.91
20.5	5.37	66.06	5.60	70.48	4.12	65.87	2.84	58.45	1.40	44.70
21	5.76	67.60	5.88	71.68	4.32	67.13	3.02	59.60	1.48	46.13
21.5	5.95	68.50	6.08	72.21	4.42	67.84	3.13	60.16	1.54	46.76
22	6.24	69.48	6.37	73.10	4.73	68.69	3.32	61.14	1.63	47.61
22.5	6.42	69.94	6.67	73.76	4.93	69.50	3.46	61.82	1.72	48.30
23	6.70	70.87	6.95	74.74	5.16	70.45	3.63	62.87	1.81	49.04
23.5	6.94	71.87	7.21	75.71	5.45	71.24	3.79	63.72	1.87	50.17
24	7.51	73.66	7.69	76.99	5.79	72.58	4.07	65.01	2.04	51.30
24.5	7.86	74.49	7.99	77.63	6.01	73.24	4.23	65.82	2.15	52.07
25	8.33	75.69	8.42	78.44	6.32	74.02	4.48	66.66	2.31	53.03
25.5	8.75	76.38	8.69	79.03	6.55	74.50	4.64	67.24	2.41	53.60
26	9.28	77.30	9.11	79.83	6.86	75.31	4.87	68.37	2.52	54.31
26.5	9.80	78.00	9.48	80.54	7.11	76.14	5.11	69.30	2.61	54.90
27	10.60	78.98	10.06	81.47	7.57	77.35	5.48	70.45	2.78	55.94
27.5	10.93	79.63	10.40	82.07	7.82	77.94	5.70	71.15	2.92	56.68
28	11.83	80.49	11.10	83.01	8.31	78.90	6.03	72.05	3.07	57.68
28.5	12.43	81.15	11.42	83.47	8.60	79.50	6.27	72.67	3.18	58.31
29	13.43	82.11	12.25	84.35	9.24	80.49	6.73	73.68	3.41	59.54
29.5	14.14	82.72	12.66	84.79	9.54	81.01	6.97	74.35	3.57	60.13
30	14.85	83.28	13.33	85.38	9.97	81.80	7.39	75.14	3.76	61.03
30.5	15.29	83.66	13.76	85.84	10.28	82.28	7.65	75.82	3.87	61.66
31	16.28	84.34	14.61	86.55	10.85	83.11	8.10	76.68	4.12	62.45
31.5	16.80	84.83	15.02	86.82	11.13	83.43	8.38	77.28	4.24	63.19
32	17.64	85.26	15.56	87.26	11.66	83.92	8.73	78.00	4.48	64.17
32.5	18.28	85.62	16.12	87.61	12.10	84.35	9.04	78.76	4.67	64.86
33	19.11	86.19	16.79	88.10	12.60	84.81	9.45	79.35	4.88	65.80
33.5	19.73	86.49	17.30	88.47	13.05	85.20	9.84	79.85	5.10	66.35
34	20.65	87.03	17.95	88.89	13.56	85.86	10.28	80.41	5.39	67.25
34.5	21.64	87.47	18.62	89.27	13.97	86.34	10.71	80.84	5.59	67.77
35	22.90	88.15	19.48	89.82	14.65	87.17	11.34	81.56	5.98	68.71
35.5	23.26	88.43	19.82	90.04	14.91	87.49	11.57	81.76	6.12	69.19
36	24.61	89.02	20.76	90.57	15.77	87.97	12.21	82.54	6.45	69.88
36.5	25.08	89.21	21.21	90.77	16.17	88.19	12.52	82.89	6.66	70.15
37	26.36	89.71	22.20	91.18	17.20	88.76	13.33	83.73	7.10	70.95
37.5	27.12	89.99	22.55	91.34	17.53	88.96	13.60	83.94	7.25	71.45
38	28.79	90.51	23.61	91.76	18.38	89.56	14.26	84.71	7.66	72.25
38.5	29.26	90.71	23.99	91.91	18.72	89.79	14.56	84.99	7.86	72.54
39	30.55	91.33	24.80	92.32	19.48	90.20	15.06	85.55	8.23	73.57
39.5	30.97	91.51	25.14	92.50	19.77	90.33	15.27	85.77	8.33	73.75
40	31.95	91.84	25.87	92.76	20.37	90.67	15.75	86.21	8.53	74.19
40.5	32.79	92.10	26.40	92.95	20.84	90.91	16.20	86.52	8.73	74.61
41	33.90	92.50	27.12	93.22	21.54	91.23	16.85	86.92	9.00	75.22
41.5	34.51	92.69	27.50	93.31	21.88	91.37	17.11	87.14	9.13	75.51
42	35.77	93.12	28.46	93.64	22.63	91.77	17.76	87.69	9.47	76.27
42.5	36.43	93.32	29.02	93.82	23.06	91.99	18.20	88.03	9.68	76.64
43	37.46	93.65	29.83	94.07	23.74	92.35	18.85	88.56	10.07	77.06
43.5	38.17	93.81	30.36	94.22	24.25	92.54	19.32	88.86	10.29	77.29
44	39.81	94.19	31.30	94.44	25.00	92.85	20.01	89.21	10.64	77.65
44.5	40.89	94.40	32.07	94.61	25.69	93.14	20.67	89.65	10.99	78.11
45	41.89	94.69	32.66	94.76	26.29	93.42	21.26	89.94	11.30	78.55
45.5	42.81	94.83	33.34	94.97	26.97	93.65	21.89	90.23	11.70	79.01
46	43.69	95.04	34.09	95.15	27.70	93.89	22.63	90.64	12.11	79.66
46.5	44.28	95.16	34.56	95.23	28.22	94.00	23.10	90.96	12.37	79.91
47	45.68	95.39	35.56	95.39	29.14	94.35	23.97	91.29	13.07	80.51
47.5	46.30	95.49	35.95	95.48	29.59	94.47	24.39	91.45	13.40	80.72
48	47.63	95.74	36.89	95.62	30.60	94.66	25.35	91.66	14.11	81.08
48.5	48.41	95.84	37.35	95.72	31.03	94.77	25.84	91.84	14.43	81.23
49	49.27	95.99	37.97	95.80	31.60	94.94	26.31	92.02	14.82	81.65
49.5	50.38	96.14	38.58	95.94	32.16	95.08	26.80	92.24	15.29	81.94
50	51.65	96.32	39.41	96.07	32.89	95.23	27.45	92.52	15.87	82.21
50.5	52.25	96.43	39.75	96.10	33.21	95.34	27.84	92.66	16.17	82.40
51	53.76	96.64	40.66	96.24	33.81	95.49	28.50	92.85	16.55	82.71
51.5	54.93	96.78	41.26	96.31	34.39	95.57	28.93	92.94	16.79	83.01
52	56.28	97.00	42.19	96.41	35.18	95.68	29.50	93.17	17.18	83.30
52.5	57.31	97.10	42.88	96.51	35.74	95.77	29.90	93.28	17.43	83.63
53	58.59	97.24	43.83	96.60	36.45	95.94	30.50	93.44	17.86	84.03
53.5	59.91	97.44	44.54	96.71	37.08	96.05	31.08	93.68	18.17	84.22
54	61.40	97.64	45.46	96.84	37.88	96.17	31.78	93.93	18.60	84.62
54.5	62.17	97.67	45.96	96.93	38.31	96.26	32.13	94.06	18.76	84.78
55	63.83	97.90	46.98	97.01	39.20	96.40	32.87	94.19	19.23	84.99
55.5	64.74	97.99	47.62	97.04	39.63	96.48	33.30	94.36	19.47	85.06
56	66.04	98.07	48.45	97.15	40.36	96.62	33.94	94.50	20.05	85.35
56.5	66.81	98.14	49.02	97.19	40.93	96.71	34.35	94.56	20.36	85.50
57	68.38	98.26	49.95	97.35	41.77	96.84	34.99	94.75	20.76	85.68
57.5	69.32	98.32	50.52	97.46	42.22	96.88	35.38	94.92	20.99	85.89
58	70.71	98.46	51.55	97.54	43.06	96.96	36.08	95.09	21.40	86.04
58.5	71.52	98.52	52.28	97.62	43.73	97.02	36.61	95.24	21.66	86.12
59	72.84	98.66	53.20	97.73	44.62	97.12	37.30	95.37	22.12	86.46
59.5	73.68	98.70	53.83	97.78	45.22	97.18	37.87	95.45	22.49	86.69
60	74.90	98.78	54.93	97.89	46.06	97.34	38.70	95.57	23.13	87.02
60.5	75.81	98.85	55.43	97.92	46.43	97.41	39.07	95.61	23.38	87.02
61	77.09	98.91	56.22	97.99	47.08	97.51	39.60	95.66	23.79	87.15
61.5	78.03	98.95	56.98	98.03	47.75	97.59	40.21	95.73	24.24	87.36
62	79.00	99.00	57.85	98.10	48.50	97.63	40.79	95.83	24.60	87.59
62.5	80.31	99.08	58.69	98.18	49.18	97.71	41.45	95.90	25.05	87.80
63	81.06	99.13	59.58	98.27	49.85	97.80	42.06	96.03	25.61	88.03
63.5	82.02	99.23	60.39	98.35	50.70	97.87	42.75	96.17	26.15	88.28
64	82.90	99.28	61.34	98.51	51.52	97.94	43.54	96.30	26.71	88.64
64.5	83.47	99.32	61.82	98.54	51.83	97.95	43.90	96.34	26.97	88.64
65	84.49	99.40	62.75	98.60	52.58	98.03	44.61	96.43	27.52	88.80
65.5	85.07	99.45	63.35	98.63	53.06	98.05	45.04	96.51	27.85	89.05
66	85.80	99.51	64.23	98.65	53.89	98.16	45.84	96.57	28.41	89.22
66.5	86.38	99.54	64.60	98.68	54.36	98.19	46.29	96.60	28.80	89.24
67	86.75	99.56	65.14	98.70	54.86	98.20	46.70	96.62	29.08	89.31
67.5	87.63	99.62	66.17	98.79	55.85	98.30	47.56	96.78	29.90	89.54
68	87.93	99.63	66.55	98.80	56.16	98.31	47.87	96.84	30.14	89.62
68.5	88.26	99.64	67.10	98.82	56.62	98.31	48.25	96.90	30.48	89.70
69	89.20	99.68	68.18	98.84	57.53	98.41	49.09	97.01	31.30	89.97
69.5	89.62	99.70	69.01	98.92	58.21	98.45	49.68	97.05	31.66	90.00
70	90.13	99.72	69.61	98.97	58.82	98.48	50.23	97.08	32.12	90.14
70.5	90.75	99.73	70.26	99.01	59.42	98.51	50.79	97.14	32.56	90.29
71	91.16	99.74	70.73	99.03	59.91	98.54	51.33	97.21	32.94	90.37
71.5	91.48	99.74	71.20	99.09	60.36	98.57	51.80	97.28	33.25	90.52
72	92.17	99.75	72.30	99.16	61.44	98.62	52.87	97.45	34.06	90.69
73	92.88	99.78	73.38	99.24	62.62	98.66	54.01	97.61	35.26	91.00
73.5	93.06	99.78	73.99	99.28	63.15	98.70	54.48	97.69	35.76	91.25
74	93.43	99.78	74.69	99.31	63.75	98.73	54.97	97.72	36.32	91.36
74.5	93.93	99.79	75.52	99.36	64.47	98.78	55.69	97.77	37.61	91.63
75	94.24	99.79	75.99	99.38	65.05	98.83	56.29	97.80	39.07	91.96
75.5	94.90	99.82	76.64	99.39	65.65	98.88	56.89	97.83	39.64	92.11
76	95.15	99.84	77.29	99.44	66.14	98.90	57.60	97.87	40.19	92.17
76.5	95.42	99.84	78.18	99.47	67.13	98.94	58.30	97.94	40.80	92.30
77	96.57	99.93	79.58	99.53	68.41	98.98	59.79	98.09	42.49	92.70
78	96.93	99.94	80.68	99.55	69.75	99.03	61.18	98.17	44.20	93.09
78.5	97.13	99.94	81.08	99.59	70.34	99.04	61.79	98.26	44.90	93.14
79	97.27	99.95	81.61	99.61	71.03	99.08	62.67	98.33	46.12	93.34
79.5	97.42	99.95	82.14	99.61	71.69	99.11	63.32	98.36	46.78	93.53
80	97.61	99.95	82.87	99.64	72.41	99.15	64.02	98.42	47.74	93.64
80.5	97.80	99.95	83.49	99.66	73.10	99.18	64.80	98.44	48.94	93.85
81	98.08	99.98	84.73	99.69	74.52	99.25	66.47	98.54	50.57	93.97
81.5	98.28	99.98	85.29	99.71	75.17	99.26	67.19	98.58	51.34	94.10
82	98.41	99.98	85.75	99.71	75.73	99.28	67.89	98.59	52.17	94.22
82.5	98.48	99.98	86.35	99.73	76.38	99.29	68.71	98.62	53.06	94.35
83	98.61	99.98	86.93	99.74	77.10	99.36	69.50	98.67	53.93	94.45
83.5	98.68	99.98	87.54	99.77	77.90	99.39	70.41	98.68	55.39	94.64
84	98.85	99.98	88.64	99.78	79.06	99.43	71.75	98.80	56.70	94.89
84.5	98.89	99.99	89.16	99.80	79.73	99.44	72.47	98.81	57.48	95.00
85	98.97	100.00	89.58	99.80	80.37	99.47	73.25	98.84	58.25	95.14
85.5	99.07	100.00	90.48	99.80	81.60	99.52	74.79	98.92	60.04	95.25
86	99.12	100.00	91.07	99.82	82.29	99.53	75.69	98.97	60.98	95.31
86.5	99.21	100.00	91.82	99.84	83.31	99.54	76.78	99.05	61.98	95.44
87	99.27	100.00	92.21	99.84	83.87	99.55	77.42	99.12	62.65	95.54
87.5	99.34	100.00	92.91	99.85	85.02	99.62	78.74	99.15	64.02	95.69
88	99.40	100.00	93.29	99.85	85.52	99.63	79.40	99.18	64.73	95.79
88.5	99.46	100.00	93.87	99.90	86.60	99.70	80.67	99.26	66.19	95.98
89	99.53	100.00	94.20	99.90	87.16	99.71	81.39	99.29	67.01	96.15
89.5	99.61	100.00	94.77	99.91	88.34	99.75	82.93	99.34	68.81	96.38
90	99.64	100.00	95.09	99.93	88.86	99.78	83.66	99.38	69.88	96.46
90.5	99.66	100.00	95.38	99.93	89.41	99.80	84.38	99.42	70.88	96.74
91	99.68	100.00	95.51	99.95	89.74	99.82	84.83	99.44	71.55	96.86
91.5	99.72	100.00	95.87	99.96	90.26	99.84	85.58	99.52	72.55	96.90
92	99.75	100.00	96.33	99.97	91.24	99.86	86.60	99.59	73.93	97.07
93	99.78	100.00	96.96	99.97	92.29	99.88	87.91	99.61	76.34	97.40
93.5	99.80	100.00	97.34	99.97	92.90	99.90	88.81	99.63	78.80	97.74
94	99.84	100.00	97.62	99.97	93.40	99.90	89.53	99.68	80.85	97.99
94.5	99.88	100.00	97.97	99.97	94.02	99.90	90.59	99.71	84.33	98.51
95	99.89	100.00	98.28	99.98	94.76	99.91	91.64	99.76	86.77	98.72
95.5	99.89	100.00	98.42	99.98	95.08	99.92	92.17	99.82	87.63	98.77
96	99.91	100.00	98.75	99.99	95.89	99.94	93.32	99.84	90.00	98.97
96.5	99.93	100.00	98.84	99.99	96.14	99.95	93.71	99.85	90.63	99.00
97	99.96	100.00	99.11	99.99	96.81	99.97	94.63	99.89	92.33	99.25
97.5	99.97	100.00	99.36	100.00	97.62	99.98	95.85	99.95	94.77	99.58
98	99.99	100.00	99.78	100.00	98.88	99.99	97.92	100.00	97.65	99.73
98.5	100.00	100.00	99.93	100.00	99.48	99.99	99.08	100.00	99.34	99.98
99	100.00	100.00	99.99	100.00	99.89	100.00	99.75	100.00	99.86	100.00
99.5	100.00	100.00	100.00	100.00	99.96	100.00	99.94	100.00	99.97	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.A. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Any-Account Performance)
Marital status
[Figure 7.A. corrected as of Jan. 25 2008]
Percent

Score	Married Male (Good)	Married Male (Bad)	Married Male (Good)	Married Male (Bad)	Married Female (Good)	Married Female (Bad)	Single Female (Good)	Single Female (Bad)
0	0.00	0.05	0.00	0.04	0.00	0.05	0.00	0.08
0.5	0.00	0.92	0.01	1.64	0.00	1.22	0.02	1.78
1	0.02	4.20	0.04	6.75	0.04	5.00	0.10	7.58
1.5	0.03	5.34	0.05	8.13	0.04	6.23	0.13	9.01
2	0.03	6.70	0.12	9.95	0.07	7.79	0.16	11.03
2.5	0.04	7.92	0.13	11.62	0.08	8.94	0.19	12.74
3	0.06	9.76	0.20	13.89	0.11	10.77	0.28	15.22
3.5	0.10	11.28	0.26	15.98	0.14	12.33	0.33	17.27
4	0.11	12.94	0.32	17.85	0.17	13.97	0.39	19.62
4.5	0.11	13.48	0.34	18.56	0.18	14.59	0.41	20.27
5	0.14	15.58	0.45	21.84	0.23	17.33	0.57	23.31
5.5	0.21	17.65	0.56	24.23	0.27	19.29	0.68	26.04
6	0.25	19.71	0.63	26.54	0.32	21.31	0.77	28.39
6.5	0.27	20.77	0.68	27.74	0.34	22.37	0.82	29.84
7	0.34	22.80	0.80	30.26	0.38	24.30	0.95	32.05
7.5	0.36	23.78	0.87	31.37	0.40	25.10	1.01	32.99
8	0.41	25.42	0.98	33.01	0.45	26.68	1.08	34.87
8.5	0.44	26.22	1.01	33.96	0.47	27.32	1.13	35.67
9	0.46	27.41	1.07	34.98	0.51	28.49	1.21	36.74
9.5	0.49	28.30	1.15	35.97	0.55	29.39	1.26	37.64
10	0.54	29.41	1.24	37.33	0.59	30.41	1.40	39.00
10.5	0.57	30.23	1.28	38.12	0.62	31.29	1.52	39.84
11	0.65	31.59	1.38	39.72	0.66	32.39	1.63	41.32
11.5	0.69	32.84	1.44	41.04	0.72	33.79	1.69	42.71
12	0.77	35.33	1.59	43.11	0.81	36.50	1.85	45.22
12.5	0.86	36.75	1.74	44.26	0.90	38.12	1.94	46.14
13	0.97	38.45	1.85	45.68	0.98	39.81	2.13	47.78
13.5	1.02	39.55	1.98	47.14	1.03	41.29	2.27	49.03
14	1.12	41.87	2.24	49.19	1.12	44.08	2.41	51.22
14.5	1.18	43.06	2.43	50.43	1.18	45.37	2.51	52.50
15	1.29	44.96	2.59	52.09	1.27	47.37	2.70	54.10
15.5	1.36	45.96	2.74	53.12	1.34	48.43	2.83	54.92
16	1.49	47.46	2.91	54.62	1.47	49.82	3.02	56.46
16.5	1.60	48.68	3.10	55.54	1.55	50.80	3.20	57.41
17	1.74	49.91	3.32	56.69	1.64	51.94	3.41	58.63
17.5	1.85	50.75	3.47	57.44	1.72	52.69	3.56	59.37
18	1.95	51.99	3.72	58.53	1.84	53.79	3.80	60.51
18.5	2.05	52.90	3.89	59.34	1.92	54.55	3.94	61.37
19	2.20	54.11	4.18	60.48	2.04	55.46	4.15	62.33
19.5	2.28	54.79	4.34	61.04	2.11	56.17	4.27	63.03
20	2.42	56.95	4.64	64.52	2.26	58.40	4.56	66.29
20.5	2.49	57.90	4.79	65.50	2.35	59.18	4.73	67.15
21	2.64	59.05	4.99	66.84	2.49	60.38	4.97	68.39
21.5	2.77	59.79	5.13	67.47	2.57	60.94	5.12	69.02
22	2.94	60.73	5.47	68.29	2.74	61.92	5.36	69.83
22.5	3.07	61.46	5.68	68.83	2.87	62.52	5.60	70.46
23	3.25	62.42	5.88	69.67	2.98	63.68	5.93	71.37
23.5	3.40	63.51	6.11	70.53	3.12	64.69	6.17	72.12
24	3.63	64.81	6.58	71.77	3.37	66.23	6.60	73.43
24.5	3.78	65.56	6.91	72.47	3.53	67.00	6.84	74.07
25	3.97	66.58	7.43	73.39	3.74	67.82	7.20	74.87
25.5	4.12	67.11	7.70	73.96	3.84	68.52	7.56	75.52
26	4.30	68.07	8.16	74.91	4.04	69.38	7.92	76.21
26.5	4.48	68.97	8.56	75.63	4.22	70.21	8.16	76.84
27	4.78	70.16	9.13	76.78	4.53	71.32	8.65	77.90
27.5	4.95	70.99	9.50	77.39	4.69	72.07	8.96	78.37
28	5.28	72.22	10.13	78.16	4.98	73.05	9.46	79.32
28.5	5.52	72.91	10.45	78.91	5.19	73.53	9.74	79.81
29	6.01	73.98	11.25	80.00	5.54	74.52	10.46	80.75
29.5	6.27	74.47	11.69	80.55	5.77	75.30	10.89	81.29
30	6.63	75.30	12.19	81.28	6.08	76.05	11.47	81.98
30.5	6.87	75.78	12.58	81.69	6.30	76.69	11.77	82.53
31	7.28	76.56	13.35	82.51	6.70	77.59	12.49	83.32
31.5	7.51	77.08	13.75	82.95	6.93	78.11	12.82	83.70
32	7.86	77.72	14.31	83.40	7.28	78.72	13.45	84.27
32.5	8.17	78.36	14.82	83.85	7.62	79.11	13.90	84.76
33	8.56	79.06	15.43	84.35	7.98	79.74	14.45	85.24
33.5	8.90	79.48	16.01	84.77	8.29	80.21	14.93	85.66
34	9.40	80.21	16.70	85.39	8.65	80.83	15.41	86.16
34.5	9.80	80.77	17.34	85.87	9.05	81.18	15.88	86.62
35	10.40	81.68	18.20	86.52	9.59	82.06	16.67	87.17
35.5	10.61	81.94	18.53	86.84	9.75	82.34	17.04	87.45
36	11.25	82.63	19.49	87.53	10.30	83.00	18.02	87.92
36.5	11.57	82.86	19.91	87.84	10.57	83.20	18.45	88.11
37	12.34	83.54	21.08	88.51	11.26	83.82	19.26	88.62
37.5	12.64	83.91	21.49	88.72	11.53	84.04	19.59	88.84
38	13.38	84.61	22.64	89.28	12.16	84.76	20.42	89.33
38.5	13.71	84.82	22.96	89.48	12.40	84.99	20.76	89.59
39	14.35	85.43	23.74	89.89	12.97	85.73	21.48	90.06
39.5	14.54	85.71	24.04	89.99	13.19	85.90	21.75	90.23
40	15.06	86.20	24.70	90.30	13.63	86.28	22.33	90.57
40.5	15.43	86.48	25.16	90.60	14.03	86.50	22.84	90.83
41	16.02	86.95	26.02	90.88	14.51	86.99	23.55	91.15
41.5	16.31	87.18	26.34	91.03	14.76	87.17	23.92	91.28
42	16.95	87.72	27.21	91.38	15.36	87.74	24.72	91.67
42.5	17.31	88.03	27.78	91.58	15.74	88.05	25.15	91.85
43	17.90	88.42	28.52	91.95	16.31	88.41	25.91	92.25
43.5	18.27	88.68	29.11	92.17	16.70	88.63	26.33	92.42
44	18.94	88.98	30.09	92.42	17.38	88.97	27.13	92.73
44.5	19.52	89.32	30.86	92.69	17.94	89.37	27.92	92.97
45	20.05	89.63	31.47	92.97	18.42	89.67	28.64	93.19
45.5	20.65	89.89	32.18	93.11	18.96	90.03	29.39	93.45
46	21.34	90.28	32.94	93.40	19.58	90.33	30.06	93.69
46.5	21.81	90.50	33.45	93.52	19.93	90.54	30.54	93.82
47	22.75	90.82	34.42	93.90	20.73	90.89	31.59	94.08
47.5	23.15	90.99	34.91	94.03	21.07	91.04	32.01	94.23
48	24.06	91.26	35.97	94.26	21.93	91.30	32.94	94.38
48.5	24.54	91.35	36.51	94.34	22.27	91.47	33.39	94.55
49	25.08	91.50	37.10	94.56	22.75	91.68	33.93	94.67
49.5	25.63	91.72	37.79	94.67	23.26	91.94	34.59	94.81
50	26.37	91.96	38.69	94.87	23.90	92.11	35.34	95.01
50.5	26.80	92.09	39.09	94.99	24.18	92.26	35.67	95.09
51	27.44	92.26	39.90	95.21	24.91	92.45	36.35	95.26
51.5	27.96	92.47	40.53	95.28	25.34	92.60	36.85	95.31
52	28.67	92.67	41.30	95.47	26.00	92.71	37.59	95.50
52.5	29.19	92.86	41.86	95.55	26.41	92.80	38.10	95.67
53	29.88	93.04	42.58	95.67	27.01	92.99	38.89	95.85
53.5	30.52	93.27	43.23	95.79	27.54	93.23	39.49	95.96
54	31.25	93.53	44.23	96.04	28.24	93.46	40.27	96.08
54.5	31.62	93.67	44.78	96.10	28.61	93.56	40.65	96.14
55	32.39	93.78	45.66	96.24	29.45	93.75	41.65	96.31
55.5	32.88	93.87	46.17	96.31	29.86	93.89	42.12	96.39
56	33.63	94.01	47.13	96.42	30.45	94.03	42.87	96.54
56.5	34.10	94.06	47.66	96.44	30.89	94.12	43.32	96.62
57	34.91	94.29	48.53	96.58	31.64	94.32	44.05	96.71
57.5	35.37	94.41	49.04	96.68	32.07	94.47	44.46	96.77
58	36.12	94.55	49.80	96.73	32.86	94.62	45.21	96.88
58.5	36.69	94.69	50.41	96.75	33.39	94.77	45.73	96.93
59	37.53	94.83	51.36	96.93	34.03	94.96	46.52	97.02
59.5	38.11	94.91	51.92	96.98	34.51	95.07	47.13	97.07
60	39.00	95.13	52.73	97.04	35.38	95.21	47.95	97.23
60.5	39.41	95.17	53.12	97.06	35.75	95.28	48.38	97.31
61	40.07	95.28	53.85	97.11	36.39	95.34	48.97	97.37
61.5	40.66	95.38	54.48	97.15	37.05	95.47	49.58	97.39
62	41.33	95.48	55.07	97.21	37.69	95.57	50.30	97.47
62.5	42.01	95.55	55.74	97.25	38.39	95.68	50.95	97.58
63	42.66	95.71	56.44	97.35	39.03	95.80	51.64	97.66
63.5	43.44	95.84	57.16	97.45	39.76	95.95	52.36	97.73
64	44.21	96.00	57.87	97.52	40.53	96.16	53.10	97.82
64.5	44.58	96.06	58.30	97.54	40.89	96.16	53.45	97.84
65	45.35	96.19	59.06	97.63	41.69	96.25	54.12	97.90
65.5	45.86	96.25	59.52	97.67	42.15	96.30	54.50	97.94
66	46.59	96.40	60.41	97.74	42.93	96.38	55.18	98.00
66.5	47.03	96.43	60.83	97.78	43.38	96.40	55.61	98.01
67	47.49	96.47	61.19	97.81	43.81	96.40	55.94	98.04
67.5	48.43	96.58	61.98	97.93	44.73	96.55	56.78	98.15
68	48.72	96.62	62.32	97.96	45.03	96.58	57.11	98.17
68.5	49.16	96.67	62.66	97.97	45.44	96.62	57.47	98.19
69	50.20	96.78	63.45	98.03	46.32	96.77	58.33	98.25
69.5	50.78	96.83	63.98	98.09	46.93	96.80	58.87	98.28
70	51.28	96.88	64.46	98.11	47.52	96.86	59.42	98.32
70.5	51.92	96.98	64.95	98.13	48.06	96.89	59.95	98.35
71	52.40	97.04	65.48	98.16	48.52	96.92	60.36	98.37
71.5	52.89	97.09	65.86	98.23	48.93	96.97	60.70	98.43
72	53.96	97.24	66.62	98.29	49.98	97.03	61.53	98.52
73	55.17	97.37	67.74	98.42	51.12	97.14	62.55	98.60
73.5	55.62	97.43	68.11	98.50	51.68	97.20	63.08	98.67
74	56.23	97.51	68.54	98.51	52.28	97.24	63.55	98.70
74.5	57.03	97.60	69.34	98.57	53.27	97.31	64.48	98.74
75	57.87	97.65	70.06	98.64	53.99	97.39	65.29	98.76
75.5	58.53	97.69	70.58	98.72	54.62	97.44	65.83	98.78
76	59.19	97.73	71.12	98.76	55.21	97.48	66.23	98.81
76.5	59.99	97.77	71.73	98.79	56.06	97.57	66.78	98.85
77	61.48	97.92	73.17	98.84	57.52	97.73	68.23	98.93
78	62.93	97.99	74.25	98.92	58.92	97.87	69.37	99.00
78.5	63.54	98.02	74.62	98.94	59.56	97.94	69.79	99.04
79	64.40	98.07	75.19	99.00	60.44	97.97	70.58	99.11
79.5	65.02	98.11	75.66	99.01	61.12	98.04	71.07	99.11
80	65.76	98.16	76.34	99.03	61.92	98.12	71.83	99.12
80.5	66.55	98.25	76.99	99.05	62.81	98.16	72.58	99.13
81	68.04	98.34	78.18	99.11	64.36	98.25	73.82	99.14
81.5	68.78	98.34	78.69	99.12	65.04	98.33	74.37	99.16
82	69.46	98.37	79.16	99.13	65.71	98.36	74.99	99.18
82.5	70.22	98.39	79.77	99.17	66.42	98.38	75.59	99.19
83	70.91	98.45	80.27	99.19	67.21	98.46	76.25	99.23
83.5	71.88	98.48	81.06	99.19	68.16	98.54	77.14	99.25
84	73.16	98.62	81.91	99.21	69.49	98.64	78.03	99.28
84.5	73.93	98.66	82.45	99.22	70.16	98.69	78.46	99.28
85	74.62	98.69	82.89	99.27	70.90	98.76	78.94	99.28
85.5	76.01	98.73	83.75	99.32	72.39	98.82	80.03	99.31
86	76.92	98.80	84.26	99.32	73.21	98.84	80.54	99.32
86.5	77.98	98.85	84.99	99.34	74.19	98.89	81.22	99.37
87	78.65	98.89	85.40	99.37	74.81	98.91	81.61	99.40
87.5	79.82	98.95	86.17	99.40	76.07	98.98	82.47	99.43
88	80.42	98.97	86.50	99.42	76.67	99.02	83.00	99.44
88.5	81.57	99.11	87.25	99.48	77.95	99.11	83.91	99.48
89	82.21	99.14	87.63	99.51	78.64	99.13	84.42	99.51
89.5	83.47	99.23	88.52	99.54	80.11	99.17	85.61	99.54
90	84.15	99.28	88.89	99.58	80.91	99.21	86.18	99.56
90.5	84.84	99.32	89.32	99.61	81.66	99.28	86.69	99.60
91	85.31	99.37	89.62	99.62	82.09	99.32	87.05	99.61
91.5	85.96	99.38	90.06	99.64	82.87	99.39	87.66	99.66
92	86.93	99.41	90.70	99.69	84.00	99.45	88.43	99.70
93	88.25	99.51	91.78	99.73	85.57	99.47	89.62	99.73
93.5	89.36	99.56	92.57	99.77	86.81	99.54	90.75	99.75
94	90.20	99.58	93.29	99.79	87.87	99.59	91.65	99.79
94.5	91.51	99.68	94.37	99.80	89.60	99.69	93.05	99.82
95	92.71	99.73	95.16	99.83	90.96	99.72	94.17	99.83
95.5	93.22	99.75	95.51	99.84	91.53	99.75	94.48	99.85
96	94.47	99.78	96.21	99.88	93.00	99.80	95.45	99.88
96.5	94.82	99.79	96.48	99.88	93.42	99.82	95.71	99.89
97	95.72	99.85	97.09	99.91	94.54	99.86	96.48	99.91
97.5	96.86	99.91	97.94	99.96	96.03	99.94	97.62	99.94
98	98.55	99.93	99.06	99.96	98.12	99.99	98.90	99.99
98.5	99.41	99.99	99.62	99.99	99.30	100.00	99.68	100.00
99	99.86	100.00	99.88	100.00	99.84	100.00	99.95	100.00
99.5	99.96	100.00	99.96	100.00	99.97	100.00	99.98	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Figure 7.A. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(Any-Account Performance)
Income ratio of tract
[Figure 7.A. corrected as of Jan. 25 2008]
Percent

Score	Low (Good)	Low (Bad)	Moderate (Good)	Moderate (Bad)	Middle (Good)	Middle (Bad)	High (Good))	High (Bad)
0	0.00	0.09	0.00	0.07	0.00	0.06	0.00	0.02
0.5	0.11	1.82	0.01	1.61	0.00	1.33	0.00	1.14
1	0.22	8.14	0.11	6.80	0.05	5.55	0.02	4.86
1.5	0.29	10.07	0.13	8.26	0.06	6.88	0.03	5.80
2	0.32	11.57	0.19	10.35	0.08	8.53	0.04	7.31
2.5	0.40	13.65	0.22	11.96	0.10	9.91	0.06	8.53
3	0.47	16.42	0.32	14.44	0.14	12.00	0.08	10.22
3.5	0.54	18.75	0.37	16.48	0.18	13.70	0.11	11.82
4	0.65	21.29	0.43	18.49	0.22	15.53	0.13	13.51
4.5	0.72	22.27	0.45	19.23	0.23	16.12	0.13	14.06
5	0.83	25.62	0.53	22.37	0.31	18.98	0.17	16.47
5.5	0.86	28.22	0.67	24.93	0.39	21.19	0.22	18.24
6	1.01	30.96	0.76	27.29	0.47	23.46	0.25	20.16
6.5	1.08	32.26	0.83	28.72	0.51	24.62	0.26	21.24
7	1.33	34.51	0.98	30.86	0.60	26.82	0.30	23.01
7.5	1.44	35.63	1.05	31.94	0.63	27.80	0.31	23.76
8	1.47	37.74	1.20	33.82	0.70	29.55	0.36	25.03
8.5	1.51	38.57	1.26	34.70	0.73	30.37	0.38	25.59
9	1.55	39.87	1.33	35.92	0.78	31.54	0.40	26.60
9.5	1.69	40.88	1.42	36.97	0.82	32.48	0.42	27.44
10	1.73	42.27	1.56	38.27	0.90	33.72	0.46	28.47
10.5	1.87	43.10	1.66	39.18	0.96	34.55	0.48	29.38
11	2.08	44.86	1.78	40.65	1.05	35.96	0.53	30.50
11.5	2.12	45.99	1.85	41.98	1.11	37.14	0.56	31.95
12	2.44	47.89	2.00	44.21	1.24	39.40	0.65	34.64
12.5	2.62	49.13	2.12	45.41	1.35	40.60	0.69	35.90
13	2.88	50.52	2.36	46.85	1.45	42.17	0.77	37.48
13.5	2.98	51.47	2.49	48.11	1.53	43.44	0.82	38.97
14	3.27	53.17	2.79	50.39	1.68	45.73	0.89	41.14
14.5	3.41	54.50	2.93	51.50	1.75	46.97	0.93	42.28
15	3.74	56.17	3.11	53.27	1.88	48.77	1.03	44.16
15.5	3.99	56.90	3.26	54.19	2.00	49.83	1.08	45.17
16	4.35	58.17	3.51	55.60	2.14	51.30	1.16	46.69
16.5	4.57	58.77	3.75	56.73	2.27	52.24	1.24	47.78
17	4.92	60.21	3.99	57.79	2.44	53.49	1.33	49.02
17.5	5.18	61.25	4.15	58.60	2.54	54.24	1.40	49.68
18	5.32	62.44	4.37	59.64	2.71	55.43	1.52	50.84
18.5	5.57	63.13	4.55	60.30	2.81	56.26	1.60	51.61
19	5.79	64.08	4.82	61.29	2.99	57.30	1.75	52.56
19.5	6.11	64.66	4.97	61.98	3.10	58.00	1.82	53.33
20	6.51	70.72	5.26	66.11	3.34	61.27	1.97	55.90
20.5	6.69	72.07	5.44	67.32	3.45	62.29	2.06	56.74
21	7.01	73.49	5.73	68.88	3.65	63.51	2.19	58.06
21.5	7.15	74.18	5.91	69.62	3.78	64.23	2.28	58.64
22	7.62	74.96	6.26	70.54	3.98	65.15	2.41	59.72
22.5	7.98	75.68	6.49	71.16	4.15	65.86	2.53	60.20
23	8.48	76.72	6.76	72.00	4.35	66.83	2.65	61.22
23.5	8.73	77.41	7.02	72.82	4.54	67.80	2.79	62.12
24	9.42	78.62	7.58	74.15	4.86	69.27	2.98	63.46
24.5	9.99	79.23	7.88	74.82	5.06	70.08	3.12	64.14
25	10.78	80.01	8.33	75.83	5.34	71.01	3.30	64.88
25.5	11.29	80.50	8.67	76.52	5.53	71.57	3.44	65.39
26	11.86	81.42	9.14	77.38	5.80	72.44	3.63	66.18
26.5	12.33	82.00	9.52	78.13	6.05	73.23	3.82	67.02
27	13.19	82.63	10.12	79.20	6.45	74.27	4.13	68.19
27.5	13.87	83.06	10.54	79.84	6.67	74.94	4.28	68.81
28	14.59	83.90	11.17	80.59	7.12	75.97	4.58	69.65
28.5	15.13	84.33	11.55	81.11	7.39	76.61	4.76	70.33
29	15.67	85.05	12.43	81.93	7.96	77.66	5.14	71.38
29.5	16.28	85.26	12.82	82.43	8.29	78.27	5.38	72.01
30	17.18	85.83	13.40	83.01	8.75	79.05	5.68	72.77
30.5	17.69	86.24	13.76	83.38	9.04	79.55	5.88	73.40
31	18.98	86.87	14.45	84.16	9.57	80.29	6.31	74.27
31.5	19.19	87.25	14.87	84.58	9.86	80.70	6.54	74.79
32	19.70	87.77	15.56	85.16	10.28	81.22	6.91	75.50
32.5	20.38	88.11	16.12	85.63	10.66	81.71	7.20	76.00
33	20.78	88.66	16.71	86.15	11.13	82.30	7.57	76.61
33.5	21.46	89.07	17.28	86.55	11.53	82.70	7.87	77.11
34	22.11	89.50	17.92	87.02	12.06	83.32	8.25	77.85
34.5	22.79	89.93	18.61	87.36	12.48	83.74	8.65	78.40
35	23.69	90.31	19.41	87.93	13.17	84.51	9.26	79.22
35.5	24.16	90.51	19.69	88.16	13.41	84.78	9.47	79.62
36	25.13	90.91	20.64	88.70	14.17	85.38	10.04	80.38
36.5	25.56	91.14	21.13	88.92	14.51	85.63	10.31	80.66
37	26.71	91.78	22.09	89.44	15.36	86.30	11.00	81.20
37.5	27.10	91.92	22.42	89.68	15.70	86.58	11.27	81.41
38	28.40	92.24	23.45	90.22	16.49	87.19	11.97	82.13
38.5	28.83	92.33	23.80	90.41	16.76	87.41	12.29	82.47
39	29.51	92.76	24.57	90.80	17.43	88.01	12.89	83.19
39.5	29.83	92.84	24.89	90.96	17.66	88.20	13.11	83.42
40	30.88	93.02	25.56	91.30	18.19	88.55	13.57	83.89
40.5	31.45	93.36	26.11	91.47	18.63	88.80	13.96	84.31
41	32.35	93.65	26.93	91.77	19.22	89.22	14.52	84.73
41.5	32.67	93.91	27.24	91.90	19.52	89.39	14.80	84.90
42	33.47	94.17	28.11	92.27	20.25	89.84	15.39	85.53
42.5	34.04	94.37	28.65	92.47	20.67	90.10	15.76	85.87
43	35.19	94.58	29.46	92.72	21.30	90.53	16.38	86.24
43.5	35.80	94.72	30.00	92.90	21.72	90.72	16.80	86.50
44	36.92	94.98	30.89	93.20	22.47	91.02	17.54	86.97
44.5	37.63	95.07	31.61	93.41	23.13	91.37	18.13	87.31
45	38.35	95.38	32.29	93.61	23.70	91.66	18.64	87.61
45.5	38.82	95.50	32.97	93.81	24.36	91.88	19.19	88.01
46	40.01	95.70	33.69	94.06	25.01	92.21	19.84	88.33
46.5	40.58	95.76	34.14	94.18	25.45	92.37	20.26	88.56
47	41.95	95.96	35.15	94.44	26.36	92.66	21.17	88.94
47.5	42.42	96.02	35.69	94.58	26.74	92.79	21.58	89.12
48	43.78	96.16	36.61	94.77	27.71	93.03	22.50	89.45
48.5	44.11	96.22	37.10	94.88	28.17	93.17	22.98	89.60
49	44.61	96.42	37.67	95.04	28.73	93.33	23.50	89.79
49.5	45.08	96.48	38.39	95.16	29.38	93.52	24.01	90.04
50	45.79	96.62	39.35	95.30	30.14	93.71	24.77	90.32
50.5	46.19	96.71	39.75	95.32	30.52	93.83	25.15	90.49
51	47.09	96.80	40.58	95.47	31.28	94.05	25.83	90.63
51.5	47.70	96.86	41.19	95.57	31.81	94.17	26.35	90.81
52	48.63	96.91	41.97	95.72	32.54	94.35	27.04	91.05
52.5	49.46	97.09	42.47	95.84	33.05	94.49	27.59	91.16
53	50.29	97.17	43.24	96.00	33.77	94.65	28.29	91.40
53.5	51.19	97.23	43.93	96.19	34.42	94.83	28.91	91.60
54	52.19	97.49	44.81	96.32	35.22	95.04	29.65	91.89
54.5	52.55	97.52	45.22	96.44	35.61	95.12	30.06	92.03
55	53.59	97.63	46.17	96.63	36.46	95.28	30.95	92.26
55.5	54.39	97.72	46.70	96.69	36.95	95.35	31.40	92.45
56	55.46	97.81	47.48	96.79	37.77	95.49	32.12	92.66
56.5	56.25	97.84	47.90	96.86	38.29	95.58	32.61	92.74
57	56.94	97.92	48.80	96.97	39.11	95.73	33.43	93.04
57.5	57.51	97.95	49.28	97.07	39.56	95.81	33.93	93.27
58	58.41	98.01	49.97	97.19	40.43	95.92	34.69	93.48
58.5	59.06	98.10	50.56	97.24	40.97	96.02	35.26	93.59
59	59.96	98.18	51.41	97.35	41.74	96.15	36.08	93.86
59.5	60.57	98.21	51.98	97.40	42.33	96.23	36.63	93.96
60	61.65	98.30	52.87	97.49	43.24	96.37	37.53	94.20
60.5	62.19	98.30	53.37	97.51	43.67	96.44	37.91	94.26
61	62.98	98.41	54.08	97.60	44.33	96.52	38.58	94.35
61.5	63.70	98.44	54.74	97.69	45.01	96.62	39.23	94.40
62	64.20	98.64	55.37	97.74	45.65	96.69	39.94	94.49
62.5	64.88	98.70	56.07	97.84	46.40	96.78	40.64	94.61
63	65.71	98.73	56.73	97.90	47.09	96.88	41.34	94.81
63.5	66.36	98.76	57.64	97.98	47.84	97.01	42.21	95.01
64	67.11	98.82	58.39	98.16	48.64	97.13	43.07	95.23
64.5	67.36	98.87	58.72	98.18	49.05	97.14	43.47	95.32
65	68.19	98.93	59.56	98.24	49.84	97.27	44.35	95.43
65.5	68.58	98.99	60.07	98.28	50.30	97.34	44.87	95.50
66	69.27	99.02	60.80	98.32	51.09	97.40	45.72	95.72
66.5	70.02	99.02	61.46	98.34	51.77	97.44	46.33	95.75
67	70.24	99.02	61.89	98.36	52.23	97.47	46.78	95.82
67.5	71.32	99.08	62.88	98.42	53.31	97.61	47.77	96.03
68	71.71	99.11	63.22	98.43	53.63	97.64	48.11	96.08
68.5	72.11	99.13	63.54	98.45	54.06	97.67	48.58	96.10
69	72.93	99.16	64.47	98.51	55.13	97.79	49.63	96.24
69.5	73.58	99.22	64.88	98.55	55.66	97.82	50.34	96.29
70	74.05	99.28	65.48	98.60	56.25	97.85	50.90	96.40
70.5	74.77	99.31	66.00	98.63	56.84	97.90	51.47	96.44
71	75.13	99.31	66.40	98.67	57.32	97.95	51.96	96.47
71.5	75.49	99.37	66.80	98.71	57.73	98.01	52.48	96.50
72	76.42	99.39	67.68	98.75	58.70	98.08	53.58	96.65
73	77.50	99.39	68.62	98.78	59.82	98.20	54.78	96.83
73.5	77.89	99.45	69.07	98.82	60.34	98.25	55.26	96.92
74	78.32	99.45	69.57	98.85	60.90	98.29	55.88	96.98
74.5	79.04	99.48	70.51	98.90	61.91	98.33	56.89	97.08
75	80.09	99.51	71.44	98.95	62.87	98.40	57.73	97.13
75.5	80.70	99.51	71.93	98.98	63.49	98.45	58.36	97.17
76	81.06	99.54	72.29	99.02	64.05	98.47	58.98	97.24
76.5	81.56	99.54	72.83	99.05	64.71	98.51	59.81	97.30
77	83.14	99.62	74.18	99.14	66.16	98.59	61.36	97.55
78	84.11	99.65	75.37	99.20	67.40	98.69	62.81	97.61
78.5	84.36	99.71	75.75	99.22	67.96	98.72	63.36	97.64
79	84.80	99.74	76.41	99.24	68.78	98.77	64.16	97.73
79.5	85.15	99.74	76.82	99.27	69.37	98.80	64.72	97.75
80	85.66	99.74	77.35	99.31	70.08	98.82	65.50	97.85
80.5	86.16	99.74	78.08	99.35	70.90	98.86	66.36	97.94
81	86.88	99.74	79.08	99.40	72.25	98.91	67.74	98.08
81.5	87.17	99.80	79.47	99.44	72.90	98.94	68.38	98.08
82	87.56	99.80	79.92	99.44	73.48	98.97	69.00	98.12
82.5	88.07	99.80	80.46	99.45	74.14	98.98	69.67	98.18
83	88.39	99.80	80.97	99.48	74.82	99.01	70.36	98.28
83.5	88.71	99.80	81.64	99.50	75.75	99.04	71.30	98.38
84	89.32	99.80	82.44	99.54	76.82	99.09	72.46	98.49
84.5	89.65	99.80	82.92	99.56	77.40	99.10	73.09	98.52
85	90.01	99.80	83.43	99.57	77.97	99.14	73.72	98.56
85.5	90.51	99.83	84.39	99.60	79.16	99.17	75.12	98.62
86	90.65	99.83	84.88	99.62	79.84	99.19	75.90	98.66
86.5	91.05	99.83	85.47	99.63	80.66	99.23	76.89	98.71
87	91.12	99.83	85.81	99.63	81.15	99.26	77.49	98.76
87.5	91.52	99.86	86.50	99.67	82.08	99.27	78.69	98.84
88	91.73	99.86	86.79	99.69	82.55	99.29	79.32	98.86
88.5	92.06	99.88	87.48	99.72	83.49	99.35	80.50	98.97
89	92.24	99.91	87.80	99.72	84.00	99.38	81.20	99.00
89.5	92.60	99.91	88.60	99.74	85.14	99.42	82.50	99.09
90	92.85	99.94	88.98	99.75	85.72	99.45	83.23	99.12
90.5	92.99	99.94	89.36	99.77	86.24	99.48	83.97	99.19
91	93.13	99.94	89.63	99.79	86.57	99.50	84.41	99.25
91.5	93.28	99.94	90.06	99.79	87.15	99.52	85.09	99.30
92	93.60	99.94	90.66	99.80	87.95	99.56	86.15	99.37
93	94.18	99.94	91.53	99.81	89.15	99.59	87.53	99.49
93.5	95.04	99.94	92.36	99.81	90.19	99.65	88.56	99.53
94	95.65	99.94	93.07	99.85	91.05	99.68	89.45	99.58
94.5	96.37	99.97	94.32	99.89	92.46	99.74	90.75	99.67
95	96.80	99.97	95.16	99.90	93.51	99.77	91.98	99.73
95.5	97.12	99.97	95.40	99.92	93.91	99.79	92.53	99.74
96	97.74	100.00	96.24	99.93	94.97	99.83	93.90	99.79
96.5	97.84	100.00	96.45	99.93	95.31	99.84	94.25	99.80
97	98.42	100.00	97.01	99.96	96.12	99.87	95.23	99.84
97.5	98.99	100.00	97.99	99.99	97.25	99.93	96.45	99.90
98	99.57	100.00	99.05	99.99	98.69	99.96	98.36	99.95
98.5	99.93	100.00	99.72	100.00	99.56	99.99	99.34	100.00
99	99.96	100.00	99.95	100.00	99.90	100.00	99.83	100.00
99.5	100.00	100.00	99.99	100.00	99.98	100.00	99.95	100.00
100	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00

Return to figure

Figure 7.B. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(New-Account Performance)

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

As shown in the figure, curves encompassed by the ellipses are the data for goods and bads respectively.

Figure 7.B. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(New-Account Performance)
Race or ethnicity (SSA data)
Percent

Score	Non- Hispanic white (Good)	Non- Hispanic white (Bad)	Black (Good)	Black (Bad)	Black (Bad)	Hispanic (Bad)	Asian (Good)	Asian (Bad)
0	0.00	0.11	0.02	0.23	0.00	0.00	0.00	0.00
0.5	0.03	1.72	0.19	2.17	0.02	1.75	0.00	0.62
1	0.17	6.72	1.74	10.11	0.30	6.79	0.06	5.47
1.5	0.20	8.28	2.01	11.91	0.40	8.18	0.06	6.68
2	0.29	10.00	2.34	14.46	0.51	10.69	0.12	7.90
2.5	0.37	11.59	2.84	16.86	0.71	12.05	0.16	8.01
3	0.49	13.43	3.63	20.15	0.94	13.76	0.22	9.26
3.5	0.58	15.19	4.15	22.32	1.17	15.02	0.22	12.26
4	0.68	16.50	4.79	24.49	1.41	17.83	0.28	14.04
4.5	0.72	17.06	5.02	25.39	1.55	18.46	0.31	14.63
5	0.88	19.72	5.97	29.82	1.80	21.94	0.40	17.08
5.5	1.01	21.89	7.15	32.75	2.21	24.07	0.52	19.67
6	1.15	24.26	7.84	35.82	2.42	25.88	0.55	21.58
6.5	1.24	25.33	8.31	37.25	2.57	26.78	0.59	22.78
7	1.41	27.17	8.86	39.66	2.96	28.59	0.65	23.47
7.5	1.48	28.16	9.27	40.84	3.14	29.07	0.69	25.90
8	1.62	30.37	9.94	42.78	3.37	30.50	0.84	27.12
8.5	1.71	31.04	10.08	43.76	3.70	30.83	0.85	27.76
9	1.82	31.99	10.50	45.03	3.91	31.60	0.91	28.42
9.5	1.91	32.92	10.87	46.13	4.08	32.89	1.03	28.42
10	2.06	34.04	11.49	47.70	4.22	34.24	1.16	28.43
10.5	2.15	34.84	12.03	48.49	4.37	35.11	1.16	28.45
11	2.30	35.94	12.53	49.61	4.57	36.19	1.25	29.07
11.5	2.44	37.52	13.29	51.04	4.71	37.74	1.30	29.11
12	2.75	39.53	14.60	53.77	5.23	40.93	1.54	32.11
12.5	2.94	40.61	15.53	55.11	5.49	41.57	1.73	34.83
13	3.24	42.08	16.60	56.53	5.96	42.23	1.91	36.07
13.5	3.43	43.58	17.47	57.50	6.28	43.66	2.04	38.03
14	3.74	45.92	18.59	59.38	6.81	46.20	2.28	41.19
14.5	3.89	47.19	19.52	60.13	7.13	47.75	2.41	41.19
15	4.17	48.57	20.71	61.54	7.62	49.35	2.56	41.22
15.5	4.36	49.35	21.22	62.51	7.91	50.08	2.75	41.26
16	4.64	50.95	22.09	63.78	8.43	50.98	2.89	41.87
16.5	4.89	51.71	22.73	64.76	9.09	52.26	3.08	42.67
17	5.18	52.38	23.55	65.87	9.57	53.38	3.22	42.69
17.5	5.37	52.97	24.31	67.07	9.96	54.17	3.44	44.47
18	5.64	53.67	25.24	68.11	10.49	55.63	3.72	45.08
18.5	5.86	54.19	25.94	68.64	10.86	56.09	3.84	45.19
19	6.17	54.83	26.62	69.46	11.31	56.73	4.12	45.20
19.5	6.39	55.16	27.25	69.76	11.54	57.25	4.37	45.23
20	6.73	56.97	28.39	72.83	12.11	59.39	4.64	45.91
20.5	6.90	57.75	29.00	73.28	12.55	60.31	4.89	46.51
21	7.16	58.88	29.74	74.62	13.23	61.59	5.13	47.11
21.5	7.34	59.40	30.21	75.59	13.49	61.78	5.28	48.31
22	7.63	60.07	31.12	76.45	13.87	62.49	5.55	49.50
22.5	7.87	60.44	31.69	77.58	14.32	63.41	5.71	49.71
23	8.19	61.26	32.85	78.48	15.16	64.34	5.96	49.71
23.5	8.45	62.31	33.64	79.59	15.89	65.62	6.15	49.72
24	9.01	63.94	34.88	80.26	16.84	67.35	6.49	50.34
24.5	9.36	64.82	35.50	80.71	17.68	67.36	6.68	51.53
25	9.80	65.92	36.50	81.84	18.49	68.89	6.95	53.36
25.5	10.09	66.73	37.39	82.29	18.98	69.83	7.14	53.98
26	10.51	67.60	38.39	83.26	19.99	70.93	7.43	55.81
26.5	10.88	68.64	39.24	83.79	20.68	72.25	7.98	55.88
27	11.55	69.73	40.53	84.83	21.76	73.07	8.42	58.85
27.5	11.87	70.47	41.40	85.79	22.48	74.04	8.65	58.85
28	12.55	71.44	42.61	86.28	23.55	75.31	9.17	60.63
28.5	12.92	72.20	43.49	86.75	24.42	76.26	9.68	61.82
29	13.70	73.40	44.63	87.50	25.41	77.50	10.34	62.43
29.5	14.21	74.17	45.18	87.72	25.97	77.68	10.64	64.25
30	14.81	75.12	46.22	88.24	27.00	78.39	11.31	65.61
30.5	15.18	75.58	47.03	88.70	27.63	78.70	11.79	65.62
31	15.90	76.73	48.16	89.45	28.75	79.38	12.67	67.53
31.5	16.36	77.12	48.66	90.20	29.45	79.97	13.14	67.57
32	16.95	77.83	49.56	90.79	30.34	80.76	13.57	68.17
32.5	17.49	78.42	50.35	91.16	31.36	80.93	14.17	69.96
33	18.15	79.16	51.14	91.54	32.27	81.42	14.88	71.16
33.5	18.60	79.72	51.95	92.06	32.91	81.74	15.26	72.37
34	19.29	80.53	52.88	92.66	33.92	82.65	15.90	72.97
34.5	19.89	81.14	53.79	92.96	34.81	83.27	16.50	74.64
35	20.80	81.77	55.21	93.34	36.16	84.06	17.27	75.24
35.5	21.07	82.19	55.71	93.64	36.79	84.21	17.69	75.84
36	22.05	82.94	57.05	94.09	37.96	85.45	18.66	76.44
36.5	22.43	83.25	57.48	94.16	38.48	85.45	18.91	76.44
37	23.50	83.82	58.89	94.54	40.22	86.23	20.15	77.63
37.5	23.95	84.35	59.36	94.54	40.73	86.39	20.34	79.41
38	24.97	85.02	60.94	94.99	42.17	87.47	21.36	80.06
38.5	25.37	85.26	61.49	94.99	42.74	87.63	21.68	80.66
39	26.21	86.16	62.33	95.29	44.04	88.05	22.77	80.68
39.5	26.49	86.44	62.72	95.37	44.50	88.05	23.07	81.27
40	27.18	86.87	63.45	95.59	45.20	88.63	23.81	81.30
40.5	27.72	87.19	64.33	96.04	45.87	88.63	24.30	82.39
41	28.46	87.68	65.34	96.26	46.91	89.13	25.43	82.44
41.5	28.81	87.86	65.71	96.34	47.48	89.28	25.83	82.44
42	29.67	88.52	66.74	96.78	48.57	89.46	26.79	82.45
42.5	30.18	89.02	67.49	96.85	49.33	90.24	27.36	84.23
43	31.01	89.58	68.49	96.85	50.49	90.41	28.19	85.42
43.5	31.58	89.82	69.06	96.93	51.30	90.57	28.84	86.01
44	32.49	90.14	70.02	97.16	52.56	91.01	29.84	86.03
44.5	33.26	90.63	70.64	97.23	53.49	91.48	30.52	86.62
45	33.91	91.13	71.29	97.31	54.36	91.65	31.39	87.23
45.5	34.63	91.37	72.19	97.38	55.33	91.65	32.26	87.24
46	35.37	91.83	72.96	97.38	56.32	91.80	33.01	88.42
46.5	35.87	92.08	73.29	97.53	56.91	92.27	33.66	88.42
47	36.89	92.33	74.25	97.76	58.18	92.88	35.06	89.56
47.5	37.33	92.44	74.72	97.83	58.58	93.04	35.59	89.56
48	3