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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 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 38.32 92.75 75.25 97.90 59.31 93.98 36.78 90.16
48.5 38.80 92.93 75.69 97.90 59.84 94.13 37.29 90.16
49 39.37 93.07 76.06 98.05 60.55 94.44 37.88 90.16
49.5 39.98 93.28 76.54 98.05 61.24 94.45 38.69 90.16
50 40.75 93.46 76.98 98.13 62.07 94.61 39.78 90.16
50.5 41.16 93.49 77.27 98.20 62.54 94.61 40.22 90.16
51 41.95 93.75 77.85 98.20 63.41 94.93 41.44 90.49
51.5 42.63 93.93 78.11 98.28 64.04 95.08 42.04 91.08
52 43.46 94.14 78.57 98.28 64.89 96.01 43.06 91.09
52.5 44.04 94.21 78.99 98.28 65.52 96.01 43.89 91.09
53 44.83 94.50 79.47 98.35 66.32 96.01 45.15 91.09
53.5 45.55 94.70 80.09 98.43 67.01 96.17 46.22 92.27
54 46.45 94.99 80.36 98.58 67.86 96.32 47.44 94.05
54.5 46.94 95.09 80.68 98.65 68.26 96.32 48.11 94.64
55 47.94 95.22 81.54 98.95 69.12 96.80 49.20 94.69
55.5 48.42 95.46 81.97 98.95 69.65 96.99 49.66 94.75
56 49.15 95.60 82.42 98.95 70.21 96.99 50.49 94.75
56.5 49.68 95.70 82.92 98.95 70.90 96.99 51.25 94.75
57 50.55 95.84 83.28 99.10 71.82 96.99 52.40 94.76
57.5 51.04 95.94 83.49 99.10 72.18 97.16 53.08 95.42
58 51.95 96.08 83.85 99.18 73.04 97.16 53.88 95.42
58.5 52.58 96.15 84.17 99.18 73.62 97.16 54.59 95.42
59 53.42 96.33 84.67 99.25 74.30 97.48 55.41 96.01
59.5 54.01 96.40 84.99 99.25 74.93 97.48 56.17 96.01
60 54.89 96.43 85.52 99.33 75.46 97.95 57.36 96.01
60.5 55.30 96.43 85.64 99.40 75.93 97.95 58.03 96.01
61 55.99 96.57 85.99 99.48 76.48 98.11 58.72 96.61
61.5 56.64 96.71 86.38 99.48 76.96 98.11 59.54 96.61
62 57.32 96.75 86.87 99.48 77.48 98.11 60.31 96.61
62.5 58.02 96.86 87.21 99.63 78.10 98.11 61.60 97.20
63 58.65 96.96 87.55 99.63 78.47 98.11 62.04 97.20
63.5 59.37 97.10 87.86 99.63 79.05 98.27 62.90 97.21
64 60.17 97.27 88.15 99.63 79.74 98.43 63.78 98.43
64.5 60.50 97.34 88.30 99.63 80.00 98.43 64.05 98.43
65 61.23 97.38 88.59 99.63 80.54 98.43 64.79 98.43
65.5 61.69 97.41 88.78 99.63 80.76 98.44 65.55 98.43
66 62.45 97.41 89.13 99.63 81.20 98.44 66.41 98.43
66.5 62.84 97.45 89.31 99.63 81.56 98.59 66.89 98.43
67 63.27 97.46 89.45 99.63 81.90 98.69 67.24 98.43
67.5 64.09 97.64 89.91 99.63 82.51 98.84 68.43 98.44
68 64.39 97.64 89.97 99.63 82.67 98.84 68.74 98.44
68.5 64.84 97.67 90.10 99.63 82.96 98.84 69.22 98.44
69 65.68 97.81 90.28 99.70 83.48 98.84 70.14 98.46
69.5 66.32 97.85 90.53 99.70 83.95 98.99 70.86 98.46
70 66.77 97.85 90.75 99.70 84.33 98.99 71.22 98.46
70.5 67.31 97.92 90.95 99.70 84.66 98.99 71.64 98.46
71 67.78 98.02 91.13 99.70 84.91 99.00 72.08 98.47
71.5 68.20 98.02 91.30 99.70 85.22 99.15 72.60 98.47
72 69.12 98.06 91.61 99.70 85.81 99.31 73.58 98.47
73 70.10 98.16 92.14 99.70 86.44 99.31 74.68 98.47
73.5 70.55 98.30 92.22 99.70 86.66 99.31 74.97 98.47
74 71.04 98.30 92.42 99.70 86.87 99.31 75.53 98.47
74.5 71.68 98.34 92.64 99.78 87.33 99.47 76.23 98.48
75 72.12 98.45 92.76 99.78 87.70 99.62 76.55 98.48
75.5 72.63 98.52 92.99 99.78 88.04 99.62 77.18 98.48
76 73.17 98.62 93.11 99.78 88.21 99.78 77.60 98.48
76.5 73.87 98.66 93.42 99.78 88.61 99.78 78.12 98.49
77 74.95 98.76 93.74 99.78 89.27 99.95 79.55 99.13
78 76.02 98.86 94.00 99.78 90.00 99.95 80.47 99.13
78.5 76.48 98.86 94.06 99.78 90.14 99.95 80.92 99.13
79 77.08 98.86 94.21 99.78 90.51 99.95 81.49 99.13
79.5 77.52 98.90 94.36 99.78 90.88 99.95 81.96 99.13
80 78.10 98.93 94.71 99.85 91.23 99.95 82.50 99.13
80.5 78.64 99.00 94.98 99.85 91.51 99.95 82.95 99.15
81 79.82 99.07 95.34 99.85 92.05 99.95 83.76 99.16
81.5 80.33 99.11 95.43 99.85 92.33 99.95 84.25 99.16
82 80.83 99.11 95.59 99.85 92.55 99.95 84.58 99.16
82.5 81.39 99.14 95.71 99.85 92.78 99.95 85.09 99.16
83 81.97 99.14 95.92 99.85 92.99 99.95 85.52 99.16
83.5 82.59 99.14 96.12 99.85 93.24 99.95 86.03 99.16
84 83.56 99.21 96.40 99.85 93.81 99.96 86.79 99.16
84.5 84.06 99.21 96.54 99.85 94.08 99.96 87.12 99.16
85 84.65 99.25 96.62 99.85 94.21 99.96 87.54 99.16
85.5 85.63 99.28 96.95 99.85 94.72 99.96 88.13 99.16
86 86.19 99.28 97.12 99.93 94.91 99.96 88.50 99.16
86.5 86.99 99.32 97.37 99.93 95.46 99.96 89.12 99.16
87 87.47 99.46 97.49 99.93 95.57 99.97 89.44 99.17
87.5 88.42 99.49 97.70 99.93 95.82 99.97 90.17 99.17
88 88.83 99.49 97.76 99.93 96.07 99.97 90.49 99.17
88.5 89.68 99.56 97.94 99.93 96.31 99.97 91.15 99.18
89 90.15 99.60 97.99 99.93 96.43 99.97 91.74 99.18
89.5 91.05 99.60 98.20 100.00 96.77 99.98 92.26 99.18
90 91.53 99.60 98.28 100.00 96.92 99.98 92.59 99.18
90.5 91.97 99.63 98.37 100.00 97.11 99.98 92.93 99.18
91 92.24 99.67 98.41 100.00 97.17 99.98 93.28 99.18
91.5 92.74 99.67 98.49 100.00 97.32 99.98 93.73 99.18
92 93.41 99.74 98.68 100.00 97.58 99.98 94.29 99.18
93 94.21 99.74 98.81 100.00 97.79 99.98 95.00 99.18
93.5 94.76 99.74 98.91 100.00 98.00 99.98 95.36 99.18
94 95.13 99.77 99.03 100.00 98.06 99.98 95.81 99.18
94.5 95.68 99.81 99.14 100.00 98.26 99.99 96.30 99.19
95 96.24 99.81 99.24 100.00 98.46 99.99 96.66 99.76
95.5 96.49 99.81 99.28 100.00 98.63 99.99 96.91 99.76
96 97.11 99.86 99.52 100.00 98.86 100.00 97.39 100.00
96.5 97.28 99.86 99.54 100.00 98.94 100.00 97.54 100.00
97 97.76 99.86 99.63 100.00 99.11 100.00 97.99 100.00
97.5 98.37 99.86 99.77 100.00 99.40 100.00 98.49 100.00
98 99.23 99.97 99.94 100.00 99.73 100.00 99.28 100.00
98.5 99.69 100.00 100.00 100.00 99.88 100.00 99.70 100.00
99 99.94 100.00 100.00 100.00 100.00 100.00 99.90 100.00
99.5 99.99 100.00 100.00 100.00 100.00 100.00 99.97 100.00
100 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

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

Race or ethnicity (location-based distribution)
Percent
[Figure 7.B. corrected as of Jan. 25 2008]
Score Non-
Hispanic
white
(Good)
Non-
Hispanic
white
(Bad)
Black
(Good)
Black
(Bad)
Black
(Bad)
Hispanic
(Bad)
Asian
(Good)
Asian
(Bad)
0 0.00 0.17 0.02 0.11 0.00 0.08 0.00 0.08
0.5 0.03 1.85 0.10 2.17 0.04 1.88 0.01 1.81
1 0.22 7.26 0.74 8.75 0.45 7.85 0.19 7.69
1.5 0.26 8.85 0.87 10.75 0.51 9.40 0.21 9.20
2 0.35 10.58 1.06 13.25 0.66 11.85 0.28 10.50
2.5 0.44 12.24 1.33 15.33 0.83 13.54 0.36 11.78
3 0.59 14.11 1.71 17.72 1.09 16.31 0.49 13.41
3.5 0.69 15.85 2.02 19.88 1.28 17.90 0.57 15.22
4 0.80 17.27 2.31 22.02 1.51 19.88 0.64 16.34
4.5 0.84 17.81 2.47 22.71 1.60 20.65 0.67 17.23
5 1.02 20.66 3.03 27.04 1.87 24.28 0.79 20.65
5.5 1.21 22.95 3.60 29.67 2.15 26.75 0.95 22.62
6 1.38 25.16 3.99 32.90 2.38 29.15 1.06 25.05
6.5 1.49 26.23 4.19 34.26 2.52 30.00 1.15 26.09
7 1.67 28.22 4.51 36.20 2.82 31.51 1.28 27.32
7.5 1.76 29.18 4.70 37.43 2.97 32.53 1.35 28.92
8 1.92 31.19 5.11 39.53 3.18 34.23 1.49 30.59
8.5 2.01 31.83 5.24 40.30 3.38 34.92 1.58 31.11
9 2.14 32.74 5.53 41.48 3.57 35.65 1.68 32.02
9.5 2.23 33.68 5.79 42.51 3.73 36.58 1.77 32.69
10 2.38 34.78 6.18 43.91 3.95 37.75 1.91 33.30
10.5 2.49 35.55 6.45 44.60 4.11 38.51 2.00 33.70
11 2.64 36.60 6.79 45.84 4.26 39.47 2.13 34.98
11.5 2.80 38.20 7.19 47.25 4.49 40.96 2.28 35.95
12 3.14 40.43 7.91 49.89 4.99 43.43 2.63 38.79
12.5 3.37 41.59 8.30 51.04 5.27 44.57 2.80 39.73
13 3.70 42.98 9.02 52.48 5.72 45.58 3.07 41.24
13.5 3.89 44.31 9.47 53.61 5.99 47.36 3.23 43.32
14 4.23 46.62 10.13 55.56 6.50 49.73 3.52 45.58
14.5 4.41 47.94 10.63 56.25 6.76 51.04 3.66 46.20
15 4.71 49.45 11.31 57.62 7.21 52.21 3.96 47.07
15.5 4.91 50.18 11.65 58.41 7.52 52.94 4.10 48.02
16 5.21 51.65 12.22 59.44 7.95 53.91 4.36 49.36
16.5 5.48 52.49 12.64 60.07 8.34 54.93 4.60 50.30
17 5.78 53.29 13.18 61.09 8.82 55.93 4.88 51.01
17.5 5.99 53.97 13.63 62.23 9.10 56.80 5.08 51.84
18 6.29 54.97 14.16 63.10 9.58 57.65 5.34 52.71
18.5 6.54 55.49 14.65 63.50 9.84 58.09 5.50 53.12
19 6.86 56.24 15.19 64.08 10.23 58.69 5.82 53.61
19.5 7.09 56.72 15.65 64.32 10.53 59.18 6.00 53.90
20 7.47 58.76 16.42 67.02 11.11 61.72 6.39 56.04
20.5 7.68 59.46 16.81 67.80 11.45 62.42 6.63 56.32
21 7.97 60.63 17.34 68.98 11.92 63.58 6.99 57.60
21.5 8.18 61.14 17.68 69.66 12.18 64.70 7.21 58.78
22 8.49 61.91 18.21 70.56 12.57 65.59 7.54 59.59
22.5 8.73 62.29 18.62 71.66 12.97 66.35 7.77 60.35
23 9.08 63.13 19.35 72.80 13.62 66.92 8.11 60.98
23.5 9.37 64.29 19.90 73.71 14.16 67.72 8.47 61.63
24 9.93 65.78 20.82 74.46 15.01 69.03 9.01 62.59
24.5 10.28 66.57 21.38 75.00 15.62 69.52 9.32 63.27
25 10.73 67.77 22.04 75.98 16.39 70.73 9.79 64.75
25.5 11.05 68.57 22.64 76.41 16.82 71.54 10.03 65.23
26 11.50 69.43 23.36 77.53 17.56 72.25 10.42 66.03
26.5 11.91 70.32 24.01 78.20 18.17 73.38 10.81 67.05
27 12.58 71.43 25.09 79.50 19.12 74.39 11.41 68.28
27.5 12.92 72.19 25.77 80.48 19.70 75.15 11.75 69.34
28 13.62 73.12 26.87 81.27 20.62 76.06 12.37 70.23
28.5 14.02 73.86 27.50 81.71 21.31 76.77 12.83 70.92
29 14.80 74.85 28.54 82.74 22.36 78.23 13.63 71.64
29.5 15.28 75.48 29.14 83.07 23.01 78.67 14.07 72.47
30 15.90 76.45 30.02 83.79 23.96 79.29 14.75 73.66
30.5 16.32 76.93 30.61 84.12 24.49 79.66 15.13 74.07
31 17.04 77.89 31.62 85.06 25.50 80.48 15.91 75.48
31.5 17.50 78.30 32.11 85.83 26.09 80.97 16.32 75.75
32 18.12 78.95 32.85 86.46 26.83 81.73 16.92 76.21
32.5 18.68 79.51 33.60 86.93 27.67 82.15 17.59 76.64
33 19.34 80.33 34.31 87.39 28.49 82.61 18.11 77.40
33.5 19.79 80.80 34.93 87.92 29.18 83.37 18.58 77.89
34 20.52 81.61 35.77 88.54 30.12 84.27 19.27 78.78
34.5 21.10 82.29 36.57 88.81 30.96 84.79 19.86 79.37
35 22.04 82.88 37.72 89.26 32.08 85.48 20.69 80.01
35.5 22.33 83.25 38.14 89.67 32.48 85.59 21.04 80.35
36 23.31 83.96 39.30 90.44 33.65 86.24 22.07 81.26
36.5 23.68 84.25 39.80 90.57 34.16 86.41 22.40 81.37
37 24.79 84.85 41.02 91.28 35.64 87.19 23.61 82.07
37.5 25.22 85.28 41.47 91.41 36.14 87.47 24.01 83.19
38 26.29 85.89 42.78 91.79 37.42 88.14 25.21 84.77
38.5 26.69 86.04 43.22 91.98 37.92 88.33 25.70 85.30
39 27.55 86.91 44.11 92.21 38.95 88.97 26.82 86.22
39.5 27.85 87.12 44.56 92.34 39.36 89.07 27.21 86.46
40 28.52 87.55 45.38 92.53 40.21 89.57 28.00 87.08
40.5 29.08 88.00 46.13 92.83 40.82 89.64 28.62 87.79
41 29.85 88.38 47.00 92.97 41.81 90.41 29.47 88.21
41.5 30.22 88.53 47.37 93.17 42.21 90.54 29.86 88.51
42 31.12 89.06 48.36 93.63 43.24 90.83 30.77 88.98
42.5 31.65 89.55 48.94 93.86 43.92 91.32 31.36 90.30
43 32.51 90.01 49.96 94.01 44.83 91.48 32.13 90.69
43.5 33.09 90.24 50.55 94.10 45.49 91.63 32.80 90.93
44 34.02 90.67 51.55 94.36 46.60 92.00 33.78 91.12
44.5 34.80 91.23 52.29 94.45 47.38 92.43 34.59 91.47
45 35.47 91.56 52.96 94.74 48.24 92.74 35.35 92.01
45.5 36.19 91.72 53.73 95.00 49.12 92.93 36.14 92.15
46 36.96 92.09 54.51 95.11 50.02 93.34 36.86 92.83
46.5 37.46 92.35 55.04 95.20 50.52 93.69 37.49 93.04
47 38.47 92.62 56.29 95.61 51.65 94.26 38.63 93.48
47.5 38.94 92.72 56.73 95.64 52.08 94.37 39.14 93.59
48 39.90 93.07 57.54 96.11 52.97 94.77 40.06 93.90
48.5 40.39 93.22 58.06 96.12 53.53 94.84 40.53 93.93
49 40.97 93.42 58.59 96.31 54.08 94.94 41.06 94.02
49.5 41.59 93.58 59.20 96.35 54.70 95.02 41.65 94.10
50 42.37 93.74 59.90 96.48 55.52 95.28 42.50 94.23
50.5 42.80 93.77 60.25 96.54 55.88 95.29 42.90 94.26
51 43.59 94.02 61.01 96.65 56.70 95.38 43.93 94.33
51.5 44.25 94.23 61.59 96.73 57.31 95.42 44.53 94.62
52 45.09 94.49 62.32 96.83 58.15 95.72 45.42 94.85
52.5 45.67 94.54 62.86 96.91 58.81 95.73 46.03 94.86
53 46.48 94.75 63.55 97.06 59.65 95.88 47.09 94.92
53.5 47.21 94.98 64.27 97.15 60.38 96.01 47.94 95.23
54 48.10 95.34 65.01 97.40 61.25 96.13 48.98 95.55
54.5 48.58 95.49 65.42 97.44 61.71 96.22 49.52 95.81
55 49.59 95.69 66.20 97.69 62.73 96.57 50.50 96.24
55.5 50.08 95.91 66.59 97.72 63.27 96.79 51.06 96.37
56 50.82 96.02 67.23 97.77 63.93 96.83 51.78 96.43
56.5 51.37 96.12 67.76 97.78 64.50 96.87 52.31 96.44
57 52.23 96.30 68.46 97.82 65.37 96.96 53.26 96.60
57.5 52.71 96.41 68.83 97.84 65.84 97.04 53.83 96.76
58 53.61 96.55 69.46 97.91 66.61 97.30 54.73 96.93
58.5 54.22 96.60 69.93 97.99 67.22 97.35 55.49 96.97
59 55.06 96.78 70.62 98.05 67.91 97.56 56.39 97.05
59.5 55.64 96.80 71.11 98.09 68.50 97.64 57.01 97.18
60 56.51 96.90 71.84 98.22 69.20 97.81 58.07 97.22
60.5 56.94 96.97 72.16 98.24 69.60 97.83 58.58 97.26
61 57.63 97.11 72.62 98.39 70.23 97.94 59.17 97.51
61.5 58.29 97.23 73.20 98.51 70.75 97.97 59.87 97.57
62 58.95 97.29 73.87 98.52 71.35 97.98 60.60 97.58
62.5 59.65 97.43 74.59 98.62 72.00 98.08 61.35 97.63
63 60.26 97.53 75.12 98.65 72.45 98.12 61.96 97.66
63.5 61.00 97.62 75.65 98.65 73.07 98.31 62.75 97.72
64 61.81 97.76 76.24 98.82 73.83 98.67 63.59 98.03
64.5 62.15 97.81 76.52 98.82 74.08 98.67 63.90 98.05
65 62.88 97.90 77.08 98.87 74.67 98.69 64.57 98.22
65.5 63.33 97.95 77.33 98.89 75.04 98.69 65.09 98.23
66 64.09 97.97 77.83 98.89 75.66 98.69 65.90 98.27
66.5 64.49 98.01 78.15 98.91 75.99 98.72 66.37 98.35
67 64.90 98.03 78.42 98.91 76.37 98.75 66.73 98.35
67.5 65.74 98.15 79.18 99.13 77.12 98.91 67.70 98.58
68 66.02 98.15 79.40 99.13 77.33 98.91 68.05 98.58
68.5 66.45 98.17 79.65 99.15 77.67 98.92 68.51 98.58
69 67.29 98.30 80.19 99.16 78.30 98.93 69.24 98.62
69.5 67.90 98.32 80.60 99.17 78.74 99.09 69.83 98.63
70 68.36 98.32 80.94 99.17 79.12 99.09 70.26 98.63
70.5 68.86 98.34 81.32 99.30 79.51 99.09 70.74 98.65
71 69.29 98.42 81.62 99.38 79.81 99.12 71.16 98.69
71.5 69.72 98.43 81.91 99.38 80.19 99.22 71.61 98.70
72 70.63 98.45 82.44 99.44 80.88 99.29 72.41 98.71
73 71.58 98.50 83.17 99.49 81.67 99.32 73.43 98.96
73.5 72.02 98.61 83.49 99.50 81.99 99.33 73.77 98.98
74 72.49 98.61 83.89 99.50 82.34 99.33 74.19 98.98
74.5 73.11 98.66 84.35 99.56 82.79 99.39 74.92 99.01
75 73.55 98.77 84.64 99.56 83.13 99.40 75.30 99.02
75.5 74.05 98.82 84.97 99.57 83.53 99.41 75.72 99.03
76 74.55 98.89 85.29 99.59 83.78 99.54 76.10 99.12
76.5 75.23 98.92 85.66 99.59 84.25 99.54 76.77 99.12
77 76.30 99.00 86.36 99.60 85.10 99.72 77.90 99.36
78 77.33 99.08 86.99 99.60 85.80 99.74 78.96 99.41
78.5 77.76 99.08 87.19 99.60 86.09 99.74 79.37 99.41
79 78.35 99.08 87.57 99.60 86.48 99.74 79.92 99.41
79.5 78.78 99.11 87.86 99.61 86.76 99.74 80.33 99.42
80 79.35 99.16 88.19 99.62 87.20 99.75 80.91 99.42
80.5 79.89 99.21 88.49 99.63 87.57 99.76 81.42 99.50
81 80.99 99.25 89.26 99.65 88.30 99.77 82.45 99.52
81.5 81.48 99.28 89.53 99.65 88.61 99.78 82.95 99.53
82 81.95 99.28 89.77 99.65 88.90 99.78 83.34 99.53
82.5 82.48 99.30 90.08 99.65 89.23 99.78 83.76 99.54
83 83.04 99.30 90.40 99.65 89.60 99.78 84.27 99.54
83.5 83.64 99.32 90.72 99.66 90.02 99.79 84.75 99.57
84 84.57 99.37 91.25 99.66 90.59 99.81 85.59 99.60
84.5 85.05 99.37 91.54 99.66 90.87 99.81 86.03 99.60
85 85.58 99.40 91.85 99.67 91.19 99.81 86.48 99.65
85.5 86.52 99.42 92.45 99.68 91.77 99.83 87.26 99.66
86 87.05 99.42 92.75 99.78 92.09 99.83 87.76 99.67
86.5 87.79 99.44 93.24 99.79 92.62 99.83 88.52 99.67
87 88.24 99.55 93.45 99.79 92.89 99.86 89.01 99.72
87.5 89.11 99.57 93.92 99.79 93.36 99.86 89.75 99.78
88 89.50 99.57 94.16 99.79 93.61 99.86 90.15 99.78
88.5 90.30 99.62 94.64 99.80 94.12 99.86 90.81 99.79
89 90.74 99.65 94.83 99.80 94.36 99.87 91.19 99.80
89.5 91.57 99.67 95.36 99.82 94.88 99.87 91.94 99.80
90 92.01 99.67 95.63 99.82 95.19 99.87 92.33 99.80
90.5 92.42 99.69 95.81 99.82 95.47 99.89 92.68 99.80
91 92.67 99.72 95.93 99.83 95.60 99.90 92.95 99.80
91.5 93.15 99.72 96.19 99.83 95.80 99.90 93.35 99.80
92 93.77 99.77 96.48 99.85 96.24 99.91 94.05 99.82
93 94.51 99.77 96.83 99.85 96.69 99.91 94.68 99.82
93.5 95.02 99.77 97.17 99.85 96.95 99.91 95.07 99.82
94 95.37 99.78 97.43 99.88 97.16 99.91 95.43 99.82
94.5 95.89 99.80 97.76 99.90 97.50 99.92 95.85 99.84
95 96.43 99.82 98.05 99.90 97.82 99.94 96.37 99.90
95.5 96.66 99.82 98.19 99.90 98.00 99.94 96.56 99.90
96 97.24 99.87 98.54 99.98 98.35 99.99 97.16 99.93
96.5 97.40 99.87 98.60 99.98 98.47 99.99 97.35 99.93
97 97.87 99.90 98.84 99.99 98.71 99.99 97.76 99.94
97.5 98.43 99.90 99.24 99.99 99.07 99.99 98.42 99.94
98 99.25 99.97 99.70 100.00 99.52 100.00 99.16 99.99
98.5 99.71 100.00 99.87 100.00 99.81 100.00 99.65 100.00
99 99.94 100.00 99.98 100.00 99.97 100.00 99.92 100.00
99.5 99.99 100.00 99.99 100.00 99.99 100.00 99.99 100.00
100 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

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

Sex
[Figure 7.B. corrected as of Jan. 25 2008]
Percent
Score Male
(Good)
Male
(Bad)
Female
(Good)
Female
(Bad)
0 0.00 0.04 0.00 0.18
0.5 0.03 1.75 0.04 2.04
1 0.24 6.82 0.33 8.27
1.5 0.28 8.13 0.39 10.13
2 0.35 10.25 0.53 12.06
2.5 0.46 12.00 0.65 13.81
3 0.60 13.80 0.86 16.32
3.5 0.72 15.51 1.00 18.25
4 0.86 17.19 1.15 19.96
4.5 0.91 17.82 1.21 20.58
5 1.15 20.45 1.42 24.37
5.5 1.36 22.57 1.66 27.07
6 1.55 24.92 1.86 29.62
6.5 1.66 25.96 1.98 30.82
7 1.89 27.99 2.17 32.75
7.5 1.99 28.95 2.27 33.92
8 2.18 31.18 2.46 35.74
8.5 2.29 31.78 2.56 36.50
9 2.44 32.89 2.70 37.34
9.5 2.57 33.53 2.81 38.58
10 2.73 34.65 3.00 39.89
10.5 2.83 35.45 3.14 40.69
11 3.05 36.72 3.27 41.64
11.5 3.21 37.88 3.48 43.46
12 3.60 40.11 3.86 46.05
12.5 3.82 41.27 4.14 47.14
13 4.17 42.50 4.54 48.67
13.5 4.40 43.90 4.77 50.05
14 4.76 45.73 5.16 52.71
14.5 4.99 46.73 5.37 53.95
15 5.34 48.13 5.73 55.37
15.5 5.55 49.12 5.96 55.99
16 5.84 50.48 6.31 57.30
16.5 6.18 51.44 6.58 58.14
17 6.54 52.35 6.90 58.87
17.5 6.80 53.11 7.14 59.67
18 7.12 54.11 7.49 60.55
18.5 7.40 54.59 7.75 61.06
19 7.77 55.34 8.08 61.68
19.5 8.04 55.74 8.33 62.04
20 8.47 57.62 8.73 64.44
20.5 8.73 58.53 8.93 64.92
21 9.07 59.89 9.26 65.90
21.5 9.30 60.45 9.46 66.63
22 9.65 61.44 9.79 67.21
22.5 9.94 61.80 10.04 68.05
23 10.34 62.68 10.47 68.85
23.5 10.70 63.84 10.78 69.84
24 11.27 65.15 11.46 71.15
24.5 11.66 66.03 11.86 71.62
25 12.20 67.42 12.33 72.64
25.5 12.53 68.22 12.69 73.33
26 13.10 69.34 13.13 74.06
26.5 13.58 70.26 13.53 74.94
27 14.29 71.41 14.28 76.10
27.5 14.69 72.29 14.66 76.87
28 15.48 73.17 15.36 77.85
28.5 16.03 73.88 15.74 78.51
29 16.93 75.04 16.51 79.42
29.5 17.46 75.64 16.99 79.96
30 18.17 76.59 17.62 80.73
30.5 18.61 76.91 18.07 81.28
31 19.39 77.95 18.84 82.22
31.5 19.93 78.47 19.26 82.70
32 20.56 79.11 19.89 83.35
32.5 21.15 79.70 20.50 83.79
33 21.88 80.26 21.13 84.52
33.5 22.36 80.94 21.63 84.92
34 23.22 81.82 22.27 85.54
34.5 23.89 82.54 22.87 85.97
35 24.86 83.25 23.82 86.41
35.5 25.17 83.73 24.13 86.70
36 26.22 84.69 25.11 87.21
36.5 26.60 84.93 25.51 87.36
37 27.89 85.77 26.57 87.80
37.5 28.35 86.08 26.99 88.20
38 29.50 86.84 28.05 88.74
38.5 29.97 87.04 28.43 88.89
39 30.86 87.56 29.30 89.73
39.5 31.18 87.84 29.63 89.84
40 31.92 88.44 30.28 90.05
40.5 32.52 88.76 30.84 90.42
41 33.37 89.19 31.61 90.82
41.5 33.74 89.31 31.99 91.00
42 34.66 89.79 32.87 91.55
42.5 35.20 90.23 33.44 92.06
43 36.10 90.59 34.27 92.42
43.5 36.76 90.79 34.81 92.60
44 37.68 91.07 35.79 92.97
44.5 38.50 91.55 36.53 93.26
45 39.16 92.03 37.22 93.48
45.5 39.95 92.22 37.95 93.62
46 40.75 92.54 38.67 93.92
46.5 41.27 92.86 39.15 94.10
47 42.37 93.10 40.16 94.46
47.5 42.86 93.22 40.59 94.54
48 43.88 93.62 41.46 94.79
48.5 44.39 93.70 41.92 94.94
49 44.95 93.90 42.48 95.08
49.5 45.59 94.02 43.09 95.23
50 46.37 94.22 43.83 95.34
50.5 46.85 94.26 44.17 95.37
51 47.68 94.46 44.95 95.56
51.5 48.36 94.66 45.55 95.70
52 49.21 94.98 46.34 95.85
52.5 49.82 95.02 46.90 95.88
53 50.64 95.22 47.68 96.03
53.5 51.43 95.45 48.35 96.17
54 52.32 95.77 49.19 96.43
54.5 52.85 95.93 49.60 96.50
55 53.76 96.09 50.63 96.79
55.5 54.27 96.13 51.10 97.09
56 55.04 96.21 51.75 97.16
56.5 55.61 96.33 52.27 97.19
57 56.53 96.53 53.05 97.23
57.5 57.01 96.61 53.52 97.34
58 57.90 96.69 54.35 97.45
58.5 58.52 96.69 54.95 97.52
59 59.42 96.93 55.67 97.63
59.5 60.01 97.01 56.25 97.63
60 60.78 97.09 57.15 97.78
60.5 61.18 97.13 57.58 97.78
61 61.86 97.33 58.21 97.85
61.5 62.47 97.41 58.86 97.96
62 63.13 97.45 59.51 97.96
62.5 63.79 97.53 60.24 98.11
63 64.38 97.65 60.81 98.14
63.5 65.08 97.77 61.48 98.21
64 65.82 98.01 62.27 98.32
64.5 66.15 98.09 62.57 98.32
65 66.83 98.13 63.26 98.32
65.5 67.30 98.13 63.66 98.36
66 68.05 98.13 64.32 98.36
66.5 68.42 98.13 64.71 98.43
67 68.87 98.13 65.05 98.47
67.5 69.71 98.21 65.82 98.62
68 69.98 98.21 66.09 98.62
68.5 70.41 98.21 66.50 98.65
69 71.26 98.37 67.21 98.69
69.5 71.85 98.45 67.79 98.69
70 72.23 98.45 68.27 98.69
70.5 72.77 98.48 68.72 98.73
71 73.18 98.56 69.13 98.76
71.5 73.62 98.60 69.50 98.76
72 74.47 98.64 70.36 98.80
73 75.44 98.72 71.23 98.83
73.5 75.79 98.84 71.69 98.87
74 76.25 98.84 72.13 98.87
74.5 76.83 98.96 72.75 98.87
75 77.22 99.04 73.16 98.94
75.5 77.71 99.12 73.63 98.94
76 78.20 99.16 74.08 99.05
76.5 78.81 99.16 74.75 99.09
77 79.70 99.20 75.87 99.24
78 80.71 99.24 76.82 99.31
78.5 81.08 99.24 77.24 99.31
79 81.62 99.24 77.81 99.31
79.5 82.00 99.24 78.26 99.34
80 82.49 99.28 78.86 99.38
80.5 82.92 99.36 79.43 99.38
81 83.91 99.44 80.54 99.38
81.5 84.36 99.44 81.02 99.42
82 84.78 99.44 81.47 99.42
82.5 85.29 99.48 81.94 99.42
83 85.76 99.48 82.51 99.42
83.5 86.28 99.48 83.11 99.42
84 87.12 99.48 84.01 99.49
84.5 87.59 99.48 84.45 99.49
85 88.06 99.48 84.97 99.53
85.5 88.85 99.52 85.94 99.53
86 89.37 99.56 86.42 99.53
86.5 90.06 99.60 87.15 99.53
87 90.48 99.68 87.56 99.60
87.5 91.22 99.68 88.45 99.64
88 91.56 99.68 88.85 99.64
88.5 92.19 99.72 89.71 99.67
89 92.55 99.72 90.16 99.71
89.5 93.21 99.72 91.06 99.75
90 93.58 99.72 91.52 99.75
90.5 93.93 99.72 91.94 99.78
91 94.17 99.76 92.17 99.78
91.5 94.54 99.76 92.67 99.78
92 95.10 99.84 93.29 99.78
93 95.69 99.84 94.08 99.78
93.5 96.09 99.84 94.63 99.78
94 96.37 99.88 95.01 99.78
94.5 96.77 99.88 95.56 99.82
95 97.16 99.88 96.16 99.85
95.5 97.34 99.88 96.43 99.85
96 97.83 99.92 97.03 99.93
96.5 97.96 99.92 97.22 99.93
97 98.28 99.92 97.74 99.93
97.5 98.76 99.92 98.33 99.93
98 99.43 99.96 99.19 100.00
98.5 99.81 100.00 99.64 100.00
99 99.96 100.00 99.94 100.00
99.5 99.99 100.00 99.99 100.00
100 100.00 100.00 100.00 100.00

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

Age (years)
Percent
[Figure 7.B. corrected as of Jan. 25 2008]
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 0.00 0.00 0.15 0.01 0.25 0.00 0.00 0.00 0.25
0.5 0.03 1.60 0.06 1.71 0.04 2.49 0.03 2.27 0.01 1.27
1 0.42 7.31 0.44 7.49 0.26 8.55 0.19 8.16 0.10 4.83
1.5 0.52 8.59 0.49 9.35 0.31 10.22 0.22 10.03 0.12 6.11
2 0.74 10.64 0.61 11.42 0.42 11.54 0.27 13.10 0.17 7.89
2.5 0.92 11.99 0.79 13.65 0.54 13.21 0.33 14.97 0.20 9.67
3 1.24 13.91 1.06 15.95 0.67 15.86 0.47 16.71 0.25 11.70
3.5 1.40 15.90 1.28 18.25 0.83 17.44 0.51 18.05 0.30 12.98
4 1.62 17.37 1.48 20.33 0.94 18.85 0.62 20.19 0.35 14.25
4.5 1.73 18.01 1.61 21.37 0.97 19.27 0.65 20.72 0.35 14.25
5 2.07 21.35 1.91 25.30 1.20 22.34 0.79 23.53 0.43 16.03
5.5 2.38 23.08 2.26 28.78 1.46 25.17 0.94 25.27 0.48 17.56
6 2.66 25.58 2.49 30.93 1.64 27.82 1.10 27.81 0.55 20.10
6.5 2.85 26.41 2.67 32.34 1.74 29.24 1.17 28.88 0.65 20.61
7 3.26 27.76 2.97 35.24 1.93 31.15 1.28 30.88 0.69 22.14
7.5 3.41 28.97 3.12 36.35 2.01 32.14 1.35 31.95 0.71 22.65
8 3.66 30.64 3.37 38.80 2.22 34.80 1.46 33.02 0.85 24.43
8.5 3.79 31.03 3.52 39.84 2.32 35.47 1.55 33.69 0.89 25.19
9 3.98 31.92 3.73 40.88 2.45 36.79 1.67 34.49 0.94 25.45
9.5 4.13 32.95 3.89 42.28 2.59 37.29 1.74 35.29 0.99 26.21
10 4.47 34.17 4.15 43.62 2.73 38.70 1.86 36.36 1.02 26.72
10.5 4.70 34.81 4.29 44.58 2.84 39.70 1.96 37.03 1.09 27.23
11 4.91 35.64 4.57 45.99 2.96 40.86 2.10 38.50 1.19 27.48
11.5 5.16 36.15 4.78 47.55 3.21 43.02 2.22 41.18 1.25 28.50
12 5.51 37.50 5.30 50.15 3.59 46.26 2.63 43.45 1.43 32.32
12.5 5.74 38.08 5.61 51.04 3.87 47.76 2.88 45.19 1.56 34.10
13 6.13 39.10 6.03 52.08 4.28 49.83 3.25 46.79 1.78 35.62
13.5 6.34 40.19 6.33 53.12 4.57 51.58 3.44 48.26 1.90 38.17
14 6.84 42.12 6.68 55.42 4.99 53.57 3.76 50.67 2.19 42.24
14.5 7.05 43.78 7.01 56.23 5.19 54.82 3.97 51.47 2.30 42.49
15 7.49 45.06 7.51 57.42 5.51 56.48 4.27 53.34 2.49 43.51
15.5 7.77 46.35 7.79 58.09 5.73 57.06 4.46 53.88 2.62 44.02
16 8.04 47.56 8.20 59.87 6.15 58.14 4.70 55.48 2.83 44.53
16.5 8.39 48.78 8.57 60.68 6.44 58.80 4.96 56.02 3.04 45.80
17 8.80 49.62 9.06 61.72 6.81 59.72 5.22 56.42 3.17 46.31
17.5 9.01 50.32 9.39 62.54 7.07 60.63 5.43 57.49 3.34 46.31
18 9.42 50.96 9.82 63.35 7.50 61.54 5.67 58.69 3.49 48.35
18.5 9.62 51.47 10.16 63.72 7.84 62.21 5.88 59.22 3.67 48.60
19 10.02 52.24 10.61 64.32 8.25 62.38 6.14 60.43 3.83 49.87
19.5 10.37 52.56 10.94 64.47 8.51 62.96 6.36 60.96 3.95 50.38
20 11.08 55.38 11.42 66.91 8.84 64.37 6.74 62.70 4.16 51.91
20.5 11.44 56.09 11.69 67.51 9.07 65.12 6.89 63.50 4.31 52.42
21 11.99 57.76 12.07 68.32 9.36 66.28 7.19 64.44 4.47 53.18
21.5 12.24 58.65 12.30 68.92 9.59 66.69 7.39 64.84 4.60 54.20
22 12.61 59.62 12.76 69.44 9.92 67.52 7.71 65.78 4.77 54.71
22.5 12.83 59.94 13.16 70.10 10.23 68.69 7.94 66.18 4.93 54.96
23 13.26 60.71 13.69 71.44 10.66 69.35 8.29 66.71 5.18 55.47
23.5 13.62 61.79 14.12 72.55 11.08 70.18 8.54 67.91 5.33 56.74
24 14.52 63.01 14.88 74.18 11.82 71.68 8.95 68.85 5.59 57.51
24.5 15.11 63.97 15.32 75.00 12.23 71.93 9.25 69.65 5.85 57.51
25 15.81 65.77 15.92 75.82 12.71 72.84 9.60 70.99 6.26 58.27
25.5 16.32 66.99 16.31 76.34 13.04 73.42 9.88 71.66 6.47 58.52
26 17.04 68.08 16.94 77.30 13.52 74.09 10.31 72.86 6.72 58.78
26.5 17.65 68.78 17.50 78.12 13.90 75.50 10.73 73.53 6.92 59.54
27 18.81 70.06 18.31 79.15 14.61 76.25 11.34 75.13 7.31 61.07
27.5 19.32 71.22 18.70 79.75 15.04 77.16 11.71 75.80 7.52 61.32
28 20.50 72.56 19.54 80.71 15.82 77.66 12.25 76.60 7.87 62.09
28.5 21.30 73.27 19.93 81.31 16.23 78.49 12.73 77.41 8.11 62.34
29 22.36 74.62 20.92 81.97 17.14 79.65 13.43 77.67 8.55 64.38
29.5 23.30 75.26 21.42 82.42 17.58 80.23 13.85 78.34 8.81 64.89
30 24.14 76.47 22.23 82.94 18.21 80.98 14.51 79.01 9.17 66.16
30.5 24.62 76.86 22.80 83.46 18.66 81.31 14.88 79.28 9.48 67.18
31 25.55 77.63 23.82 84.35 19.45 82.56 15.50 80.62 9.93 67.94
31.5 26.31 78.33 24.38 84.57 19.84 82.81 15.93 81.42 10.19 68.70
32 27.21 79.04 25.02 85.39 20.51 83.39 16.50 81.95 10.57 68.96
32.5 28.03 79.23 25.69 85.91 21.06 84.05 17.10 82.89 10.88 69.47
33 28.96 80.00 26.51 86.42 21.73 84.30 17.64 83.82 11.33 70.74
33.5 29.53 80.45 27.06 87.02 22.19 84.63 18.13 84.63 11.70 71.50
34 30.61 81.41 27.94 87.46 22.86 85.55 18.72 85.16 12.22 72.26
34.5 31.69 82.18 28.63 87.76 23.43 86.30 19.22 85.56 12.59 72.77
35 33.10 82.69 29.62 88.50 24.36 86.79 20.07 85.70 13.25 74.05
35.5 33.41 83.08 30.04 88.80 24.67 87.29 20.36 86.23 13.44 74.05
36 35.06 83.85 31.14 89.54 25.67 87.87 21.20 87.17 13.93 74.55
36.5 35.54 83.97 31.59 89.61 26.08 88.12 21.53 87.57 14.15 74.81
37 36.91 84.62 32.81 90.36 27.39 88.62 22.71 88.24 14.79 75.32
37.5 37.72 85.19 33.24 90.73 27.76 88.79 23.06 88.50 15.09 75.57
38 39.49 85.83 34.43 91.32 28.83 89.45 23.91 89.17 15.80 76.34
38.5 39.96 86.09 34.89 91.54 29.29 89.53 24.28 89.30 16.12 76.34
39 41.40 87.12 35.71 92.36 30.18 89.70 24.99 89.97 16.75 76.84
39.5 41.86 87.31 36.03 92.73 30.51 89.78 25.28 90.11 16.96 76.84
40 43.00 87.69 36.69 92.88 31.16 90.28 25.96 90.37 17.28 78.12
40.5 43.71 88.08 37.26 93.18 31.78 90.61 26.58 90.64 17.62 78.63
41 44.76 88.59 38.00 93.55 32.60 90.95 27.45 90.91 18.12 79.39
41.5 45.32 88.72 38.34 93.62 33.02 91.03 27.74 91.04 18.42 80.15
42 46.66 89.36 39.27 93.92 33.86 91.61 28.54 91.31 19.06 81.17
42.5 47.35 89.62 39.85 94.44 34.37 92.19 29.18 91.71 19.34 82.19
43 48.51 90.06 40.69 94.73 35.26 92.61 29.99 91.84 19.97 82.70
43.5 49.23 90.38 41.29 94.81 35.87 92.77 30.64 91.98 20.31 82.95
44 50.97 90.90 42.22 94.96 36.68 93.19 31.49 92.11 20.84 83.21
44.5 51.85 91.54 42.99 95.18 37.53 93.36 32.28 92.65 21.36 83.46
45 52.98 91.86 43.56 95.40 38.21 93.85 32.89 92.91 21.79 83.97
45.5 53.90 92.05 44.38 95.40 38.89 94.10 33.67 93.18 22.36 84.22
46 54.77 92.18 45.11 95.62 39.59 94.44 34.57 93.58 22.93 85.24
46.5 55.35 92.50 45.58 95.85 40.14 94.52 35.12 93.98 23.24 85.50
47 56.72 92.82 46.59 96.14 41.15 94.68 36.09 94.39 24.20 86.01
47.5 57.35 93.01 46.99 96.22 41.59 94.77 36.56 94.39 24.61 86.01
48 58.56 93.46 47.87 96.44 42.62 95.02 37.47 94.65 25.21 86.51
48.5 59.19 93.65 48.31 96.59 43.07 95.02 37.94 94.79 25.67 86.51
49 60.04 93.97 48.85 96.59 43.61 95.18 38.41 95.05 26.13 86.51
49.5 61.12 94.23 49.41 96.66 44.17 95.27 38.92 95.05 26.62 86.77
50 62.27 94.55 50.17 96.74 44.93 95.43 39.54 95.05 27.23 86.77
50.5 62.84 94.55 50.55 96.74 45.22 95.52 39.98 95.05 27.65 87.02
51 64.27 94.87 51.42 96.81 45.83 95.68 40.69 95.05 28.14 87.53
51.5 65.33 95.06 52.12 96.96 46.38 95.76 41.24 95.19 28.50 88.04
52 66.41 95.58 53.06 97.11 47.16 95.93 41.95 95.19 29.07 88.04
52.5 67.30 95.64 53.74 97.18 47.75 95.93 42.45 95.19 29.37 88.04
53 68.33 95.77 54.59 97.33 48.49 96.18 43.19 95.19 30.00 88.55
53.5 69.56 96.03 55.30 97.33 49.11 96.26 43.87 95.45 30.45 89.31
54 70.85 96.41 56.25 97.63 49.90 96.35 44.64 95.72 31.00 89.82
54.5 71.47 96.54 56.74 97.63 50.42 96.51 45.04 95.86 31.29 90.08
55 73.08 96.99 57.71 97.77 51.36 96.76 45.83 95.86 31.92 90.08
55.5 73.82 97.24 58.26 97.85 51.77 97.01 46.27 95.99 32.22 90.08
56 74.92 97.24 58.89 97.92 52.44 97.26 46.91 95.99 32.78 90.08
56.5 75.61 97.37 59.46 97.92 53.01 97.26 47.36 96.26 33.24 90.08
57 76.75 97.56 60.34 98.00 53.88 97.43 48.10 96.26 33.82 90.08
57.5 77.60 97.56 60.85 98.15 54.29 97.51 48.51 96.26 34.08 90.59
58 78.79 97.76 61.83 98.15 55.08 97.67 49.21 96.26 34.77 90.59
58.5 79.50 97.76 62.47 98.22 55.74 97.76 49.84 96.26 35.07 90.59
59 80.53 98.01 63.32 98.52 56.58 97.84 50.53 96.26 35.72 90.59
59.5 81.38 98.01 63.87 98.52 57.12 98.01 51.08 96.26 36.17 90.59
60 82.27 98.33 64.83 98.52 57.98 98.01 51.89 96.39 36.78 90.59
60.5 82.92 98.40 65.27 98.52 58.32 98.01 52.26 96.39 37.10 90.59
61 83.97 98.59 66.00 98.52 58.90 98.26 52.72 96.52 37.63 90.59
61.5 84.69 98.65 66.66 98.59 59.57 98.34 53.29 96.66 38.17 90.84
62 85.50 98.65 67.37 98.66 60.30 98.34 53.86 96.66 38.58 90.84
62.5 86.48 98.91 68.12 98.66 60.92 98.51 54.49 96.66 39.11 90.84
63 86.89 98.97 68.85 98.74 61.51 98.51 55.03 96.79 39.68 91.09
63.5 87.62 99.10 69.61 98.81 62.28 98.51 55.66 96.93 40.16 91.35
64 88.26 99.29 70.57 98.89 62.96 98.59 56.44 97.19 40.88 91.86
64.5 88.58 99.42 71.00 98.89 63.24 98.59 56.74 97.19 41.13 91.86
65 89.33 99.42 71.75 98.89 63.90 98.67 57.36 97.19 41.78 91.86
65.5 89.76 99.42 72.28 98.89 64.31 98.67 57.76 97.19 42.16 92.11
66 90.23 99.42 72.99 98.89 65.16 98.67 58.55 97.19 42.71 92.11
66.5 90.71 99.49 73.27 98.89 65.56 98.67 58.92 97.33 43.09 92.11
67 91.00 99.49 73.78 98.89 65.99 98.67 59.33 97.33 43.35 92.37
67.5 91.69 99.62 74.67 98.89 66.83 98.75 60.12 97.46 44.11 92.88
68 91.86 99.62 74.97 98.89 67.13 98.75 60.43 97.46 44.36 92.88
68.5 92.18 99.62 75.49 98.89 67.54 98.75 60.80 97.46 44.79 93.13
69 92.73 99.74 76.42 98.96 68.36 98.75 61.54 97.59 45.60 93.38
69.5 93.01 99.74 77.20 99.04 69.03 98.84 62.10 97.59 46.13 93.38
70 93.34 99.74 77.63 99.04 69.50 98.84 62.52 97.59 46.63 93.38
70.5 93.78 99.81 78.21 99.04 69.94 98.84 63.03 97.73 47.12 93.38
71 94.05 99.87 78.56 99.11 70.38 98.92 63.53 97.73 47.55 93.38
71.5 94.31 99.87 79.02 99.18 70.77 98.92 64.02 97.73 47.92 93.38
72 94.79 99.87 79.97 99.18 71.76 98.92 64.93 97.99 48.75 93.38
73 95.28 99.94 80.79 99.33 72.66 98.92 66.04 97.99 49.99 93.38
73.5 95.46 99.94 81.24 99.33 73.14 98.92 66.43 98.26 50.45 93.89
74 95.65 99.94 81.75 99.33 73.66 98.92 66.86 98.26 51.03 93.89
74.5 96.07 99.94 82.42 99.41 74.19 99.00 67.39 98.26 51.95 94.15
75 96.27 99.94 82.76 99.55 74.60 99.09 67.84 98.26 52.61 94.40
75.5 96.70 99.94 83.19 99.55 75.07 99.17 68.30 98.26 53.23 94.66
76 96.89 100.00 83.73 99.63 75.51 99.17 68.84 98.40 53.85 94.91
76.5 96.98 100.00 84.41 99.63 76.38 99.17 69.55 98.40 54.52 95.17
77 97.66 100.00 85.32 99.70 77.32 99.25 70.80 98.53 55.79 95.67
78 97.93 100.00 86.22 99.78 78.43 99.34 71.95 98.66 57.16 95.67
78.5 98.07 100.00 86.52 99.78 78.86 99.34 72.48 98.66 57.71 95.67
79 98.20 100.00 86.97 99.78 79.47 99.34 73.13 98.66 58.65 95.67
79.5 98.24 100.00 87.41 99.78 79.92 99.34 73.68 98.66 59.15 95.93
80 98.39 100.00 87.92 99.78 80.53 99.34 74.29 98.66 59.97 96.44
80.5 98.49 100.00 88.44 99.78 81.07 99.34 74.77 98.80 60.88 96.69
81 98.66 100.00 89.43 99.78 82.16 99.42 76.22 98.93 62.33 96.69
81.5 98.82 100.00 89.84 99.78 82.65 99.50 76.73 98.93 63.09 96.69
82 98.85 100.00 90.20 99.78 83.04 99.50 77.36 98.93 63.84 96.69
82.5 98.91 100.00 90.69 99.85 83.55 99.50 77.94 98.93 64.65 96.69
83 98.98 100.00 91.15 99.85 84.15 99.50 78.55 98.93 65.48 96.69
83.5 99.04 100.00 91.58 99.85 84.73 99.50 79.28 98.93 66.49 96.69
84 99.27 100.00 92.40 99.93 85.67 99.58 80.34 98.93 67.75 96.69
84.5 99.31 100.00 92.75 99.93 86.16 99.58 80.93 98.93 68.52 96.69
85 99.35 100.00 93.04 99.93 86.73 99.67 81.62 98.93 69.39 96.69
85.5 99.42 100.00 93.71 99.93 87.70 99.67 82.81 99.06 70.85 96.69
86 99.47 100.00 94.09 99.93 88.25 99.67 83.44 99.20 71.70 96.69
86.5 99.51 100.00 94.65 99.93 89.06 99.67 84.42 99.20 72.78 96.95
87 99.55 100.00 94.94 99.93 89.51 99.75 84.93 99.33 73.58 97.46
87.5 99.59 100.00 95.52 100.00 90.42 99.75 86.02 99.33 75.03 97.46
88 99.63 100.00 95.78 100.00 90.76 99.75 86.50 99.33 75.81 97.46
88.5 99.69 100.00 96.25 100.00 91.56 99.75 87.52 99.60 77.24 97.46
89 99.76 100.00 96.48 100.00 91.99 99.75 88.02 99.60 78.07 97.71
89.5 99.82 100.00 96.84 100.00 92.85 99.75 89.07 99.73 79.79 97.71
90 99.83 100.00 97.06 100.00 93.21 99.75 89.70 99.73 80.70 97.71
90.5 99.83 100.00 97.27 100.00 93.60 99.75 90.27 99.87 81.47 97.71
91 99.83 100.00 97.36 100.00 93.87 99.83 90.61 99.87 81.96 97.71
91.5 99.86 100.00 97.63 100.00 94.28 99.83 91.19 99.87 82.92 97.71
92 99.87 100.00 97.96 100.00 94.91 99.83 92.04 99.87 84.08 98.22
93 99.89 100.00 98.30 100.00 95.59 99.83 92.82 99.87 85.93 98.22
93.5 99.89 100.00 98.48 100.00 95.92 99.83 93.33 99.87 87.63 98.22
94 99.91 100.00 98.63 100.00 96.15 99.92 93.69 99.87 88.72 98.22
94.5 99.93 100.00 98.83 100.00 96.38 99.92 94.26 99.87 90.47 98.47
95 99.93 100.00 99.02 100.00 96.80 99.92 94.85 99.87 91.97 98.73
95.5 99.93 100.00 99.07 100.00 96.98 99.92 95.20 99.87 92.62 98.73
96 99.94 100.00 99.28 100.00 97.54 99.92 95.97 99.87 93.88 99.49
96.5 99.96 100.00 99.32 100.00 97.70 99.92 96.18 99.87 94.28 99.49
97 99.98 100.00 99.47 100.00 98.18 99.92 96.74 99.87 95.26 99.49
97.5 99.99 100.00 99.63 100.00 98.64 99.92 97.54 99.87 96.69 99.49
98 99.99 100.00 99.85 100.00 99.35 100.00 98.81 100.00 98.44 99.75
98.5 100.00 100.00 99.93 100.00 99.66 100.00 99.50 100.00 99.57 100.00
99 100.00 100.00 99.99 100.00 99.96 100.00 99.88 100.00 99.92 100.00
99.5 100.00 100.00 100.00 100.00 99.99 100.00 99.99 100.00 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.B. TransRisk Score: Cumulative Percentage of Goods and Bads, by Demographic Group
(New-Account Performance)

Marital status
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 0.00 0.00 0.00 0.00 0.00 0.01 0.36
0.5 0.01 1.88 0.05 2.28 0.02 1.56 0.07 2.62
1 0.12 5.54 0.37 9.02 0.16 6.33 0.50 9.76
1.5 0.15 6.64 0.39 10.76 0.18 8.00 0.60 11.93
2 0.20 8.42 0.50 12.72 0.26 9.35 0.82 14.74
2.5 0.23 10.30 0.70 14.13 0.31 10.90 1.02 16.73
3 0.34 12.40 0.89 15.76 0.45 12.67 1.29 20.07
3.5 0.43 13.73 1.01 18.37 0.54 14.95 1.50 21.70
4 0.51 15.50 1.19 20.11 0.63 16.61 1.75 22.97
4.5 0.54 15.73 1.28 21.09 0.67 17.13 1.81 23.33
5 0.67 18.60 1.68 23.04 0.81 21.18 2.12 26.85
5.5 0.81 19.82 2.04 25.65 0.96 23.78 2.46 30.29
6 0.97 21.59 2.19 28.37 1.10 26.38 2.74 32.82
6.5 1.04 22.59 2.35 29.13 1.17 27.73 2.92 34.18
7 1.18 24.58 2.65 31.52 1.31 28.97 3.14 36.44
7.5 1.27 25.36 2.78 32.50 1.36 30.22 3.26 37.52
8 1.38 28.02 3.10 34.24 1.51 32.29 3.50 39.60
8.5 1.43 28.35 3.21 35.22 1.55 33.44 3.69 40.14
9 1.52 29.57 3.42 36.41 1.65 34.48 3.86 40.87
9.5 1.61 29.79 3.55 37.28 1.72 35.62 4.03 41.77
10 1.72 31.23 3.80 38.48 1.81 36.97 4.37 43.04
10.5 1.79 32.34 3.96 38.59 1.92 38.01 4.57 43.67
11 1.94 34.00 4.27 39.78 2.03 39.04 4.73 44.30
11.5 2.08 35.44 4.44 40.76 2.19 41.23 4.99 45.84
12 2.36 37.98 5.00 42.50 2.55 43.51 5.41 48.82
12.5 2.52 39.09 5.33 44.02 2.82 45.17 5.71 49.64
13 2.78 40.86 5.75 45.00 3.16 46.73 6.20 51.18
13.5 2.93 41.53 6.06 47.39 3.34 48.08 6.57 52.44
14 3.21 43.63 6.52 49.24 3.68 51.30 6.99 54.70
14.5 3.42 44.41 6.81 50.33 3.86 52.75 7.25 55.88
15 3.69 45.96 7.22 51.30 4.10 54.41 7.77 57.05
15.5 3.84 46.95 7.45 52.07 4.27 54.93 8.01 57.78
16 4.09 48.28 7.74 53.04 4.52 56.39 8.57 58.59
16.5 4.42 49.06 8.09 54.13 4.70 56.80 8.92 59.86
17 4.73 50.17 8.48 55.00 4.95 57.32 9.26 60.76
17.5 4.95 50.94 8.79 55.43 5.15 58.46 9.54 61.39
18 5.19 51.94 9.21 56.09 5.36 59.09 10.13 62.48
18.5 5.41 52.93 9.53 56.41 5.55 59.61 10.51 63.02
19 5.70 53.71 10.02 56.85 5.78 60.02 11.01 63.83
19.5 5.91 53.93 10.32 57.28 5.99 60.44 11.29 64.29
20 6.24 54.82 10.81 59.57 6.24 62.10 11.89 66.64
20.5 6.49 55.59 11.02 60.43 6.36 62.41 12.20 67.00
21 6.76 57.14 11.36 61.41 6.62 63.34 12.64 67.99
21.5 7.00 57.59 11.60 61.96 6.78 63.86 12.91 68.63
22 7.28 58.14 11.99 62.83 7.07 64.80 13.27 69.08
22.5 7.55 58.58 12.35 63.15 7.22 65.42 13.64 70.16
23 7.90 59.36 12.74 63.91 7.52 66.04 14.20 70.98
23.5 8.17 60.58 13.17 64.78 7.76 67.60 14.57 71.61
24 8.60 62.13 13.89 65.76 8.31 69.06 15.25 72.78
24.5 8.90 62.57 14.42 66.63 8.66 69.68 15.69 73.24
25 9.32 64.12 15.11 68.26 8.99 70.61 16.28 74.32
25.5 9.60 65.12 15.51 69.13 9.26 71.24 16.79 75.05
26 9.99 66.11 16.22 70.76 9.63 71.96 17.28 75.68
26.5 10.37 67.33 16.85 71.09 9.96 73.10 17.65 76.31
27 10.93 68.33 17.70 72.39 10.56 74.25 18.51 77.67
27.5 11.28 69.10 18.21 73.37 10.86 74.87 19.01 78.75
28 11.90 70.21 19.24 74.24 11.42 75.80 19.81 79.66
28.5 12.31 71.10 19.88 75.00 11.75 76.32 20.26 80.20
29 13.07 72.31 20.87 75.87 12.40 77.05 21.21 81.19
29.5 13.48 72.43 21.48 76.74 12.80 77.67 21.84 81.56
30 14.08 73.20 22.24 78.15 13.34 78.61 22.58 82.19
30.5 14.45 73.31 22.75 78.59 13.73 79.02 23.09 82.91
31 15.04 74.31 23.79 79.78 14.31 79.85 24.09 84.09
31.5 15.50 74.86 24.43 80.33 14.71 80.17 24.54 84.72
32 16.04 75.86 25.22 80.65 15.25 80.58 25.31 85.53
32.5 16.62 76.41 25.86 81.41 15.78 80.79 26.00 85.99
33 17.23 77.08 26.69 82.07 16.32 81.31 26.75 86.62
33.5 17.61 77.74 27.29 82.83 16.75 81.62 27.35 87.16
34 18.37 78.85 28.30 83.80 17.35 82.45 28.05 87.79
34.5 18.96 79.62 29.04 84.67 17.81 83.18 28.76 88.07
35 19.81 81.06 30.11 84.78 18.67 83.80 29.75 88.52
35.5 20.10 81.40 30.48 85.54 18.91 84.01 30.24 88.70
36 21.00 82.28 31.77 86.52 19.65 84.53 31.52 89.24
36.5 21.34 82.50 32.16 86.52 20.00 84.74 32.01 89.42
37 22.43 83.17 33.63 87.83 20.99 85.25 33.13 89.78
37.5 22.87 83.61 34.16 88.04 21.39 85.57 33.58 90.24
38 23.93 84.50 35.40 88.70 22.39 86.09 34.66 90.60
38.5 24.38 84.61 35.82 88.91 22.74 86.40 35.10 90.69
39 25.20 85.38 36.89 89.13 23.55 87.33 36.05 91.23
39.5 25.45 85.83 37.24 89.35 23.84 87.54 36.47 91.32
40 26.11 86.71 38.12 89.67 24.43 87.75 37.16 91.59
40.5 26.68 87.04 38.67 90.11 24.98 88.27 37.73 91.77
41 27.49 87.49 39.65 90.54 25.68 88.89 38.67 92.04
41.5 27.84 87.71 39.98 90.65 26.00 88.99 39.19 92.22
42 28.67 88.48 41.07 90.87 26.78 89.72 40.27 92.68
42.5 29.17 88.59 41.68 91.63 27.33 90.14 40.86 92.86
43 29.96 89.04 42.68 91.85 28.08 90.34 41.75 93.40
43.5 30.52 89.37 43.48 91.96 28.55 90.55 42.31 93.58
44 31.31 89.37 44.51 92.50 29.47 90.76 43.41 93.94
44.5 32.08 89.92 45.36 93.04 30.18 91.17 44.22 94.21
45 32.66 90.92 46.12 93.04 30.85 91.38 44.96 94.48
45.5 33.44 91.14 46.96 93.37 31.57 91.48 45.74 94.67
46 34.24 91.58 47.83 93.70 32.30 92.11 46.45 94.76
46.5 34.79 91.81 48.32 94.02 32.77 92.32 46.97 94.94
47 35.88 91.92 49.37 94.35 33.71 92.94 48.08 95.21
47.5 36.39 92.14 49.82 94.46 34.08 93.04 48.60 95.30
48 37.40 92.47 50.89 94.67 34.90 93.35 49.53 95.66
48.5 37.90 92.58 51.40 94.67 35.30 93.67 49.98 95.75
49 38.44 92.69 51.97 95.00 35.83 93.77 50.54 95.84
49.5 39.13 92.91 52.55 95.00 36.39 93.77 51.18 96.11
50 39.87 93.24 53.41 95.11 37.10 93.77 51.93 96.20
50.5 40.38 93.36 53.82 95.11 37.43 93.87 52.29 96.20
51 41.14 93.58 54.72 95.22 38.23 93.98 52.97 96.56
51.5 41.77 93.80 55.49 95.43 38.82 94.18 53.50 96.65
52 42.63 93.91 56.38 95.98 39.55 94.39 54.31 96.65
52.5 43.25 94.02 56.99 95.98 40.05 94.39 54.91 96.75
53 44.01 94.24 57.91 95.98 40.77 94.60 55.80 96.93
53.5 44.77 94.46 58.69 96.20 41.39 94.81 56.52 97.02
54 45.61 94.80 59.81 96.30 42.18 95.02 57.36 97.38
54.5 46.14 95.13 60.42 96.41 42.61 95.12 57.76 97.47
55 47.01 95.24 61.38 96.74 43.63 95.43 58.89 97.92
55.5 47.52 95.24 61.90 96.74 44.09 95.95 59.30 98.10
56 48.25 95.24 62.67 96.85 44.64 96.05 60.10 98.10
56.5 48.82 95.35 63.24 96.96 45.14 96.16 60.68 98.10
57 49.74 95.68 64.19 97.07 46.01 96.26 61.34 98.10
57.5 50.20 95.68 64.70 97.28 46.48 96.37 61.79 98.10
58 51.06 95.90 65.62 97.28 47.32 96.47 62.61 98.19
58.5 51.69 95.90 66.29 97.28 47.97 96.57 63.10 98.19
59 52.64 96.01 67.19 97.50 48.61 96.68 63.88 98.28
59.5 53.29 96.01 67.66 97.61 49.12 96.68 64.49 98.28
60 54.14 96.12 68.34 97.72 50.02 96.68 65.34 98.46
60.5 54.56 96.23 68.67 97.72 50.36 96.68 65.83 98.46
61 55.24 96.46 69.30 97.83 51.04 96.78 66.31 98.46
61.5 55.86 96.46 69.85 97.93 51.73 96.99 66.88 98.46
62 56.52 96.57 70.43 97.93 52.38 96.99 67.58 98.46
62.5 57.18 96.57 71.09 97.93 53.11 97.09 68.24 98.55
63 57.81 96.68 71.66 98.04 53.72 97.09 68.77 98.55
63.5 58.61 96.79 72.32 98.15 54.43 97.20 69.43 98.55
64 59.37 97.23 72.94 98.15 55.32 97.20 70.09 98.73
64.5 59.69 97.45 73.34 98.15 55.63 97.20 70.38 98.73
65 60.40 97.56 74.04 98.15 56.42 97.20 70.96 98.73
65.5 60.90 97.56 74.50 98.15 56.85 97.20 71.29 98.82
66 61.68 97.56 75.35 98.15 57.56 97.20 71.87 98.82
66.5 62.08 97.56 75.64 98.15 57.93 97.20 72.24 98.92
67 62.60 97.56 75.98 98.15 58.30 97.20 72.54 98.92
67.5 63.51 97.56 76.68 98.26 59.11 97.40 73.23 99.10
68 63.81 97.56 76.94 98.26 59.39 97.40 73.46 99.10
68.5 64.31 97.56 77.21 98.26 59.82 97.51 73.81 99.10
69 65.28 97.90 77.89 98.37 60.55 97.61 74.54 99.10
69.5 65.90 97.90 78.42 98.48 61.15 97.61 75.13 99.10
70 66.32 97.90 78.81 98.48 61.67 97.61 75.54 99.10
70.5 66.94 97.90 79.18 98.59 62.18 97.61 75.87 99.19
71 67.35 97.90 79.61 98.70 62.64 97.61 76.22 99.19
71.5 67.86 97.90 79.95 98.80 63.04 97.61 76.56 99.19
72 68.87 97.90 80.54 98.91 64.08 97.72 77.20 99.19
73 69.95 98.01 81.47 99.02 65.05 97.72 77.92 99.28
73.5 70.32 98.01 81.79 99.24 65.58 97.82 78.28 99.28
74 70.85 98.01 82.17 99.24 66.11 97.82 78.61 99.28
74.5 71.47 98.34 82.75 99.24 66.81 97.82 79.11 99.28
75 71.94 98.45 83.04 99.24 67.25 97.92 79.51 99.28
75.5 72.47 98.56 83.43 99.35 67.80 97.92 79.81 99.28
76 73.03 98.56 83.87 99.46 68.34 98.13 80.17 99.28
76.5 73.72 98.56 84.47 99.46 69.16 98.13 80.68 99.37
77 74.74 98.56 85.28 99.46 70.41 98.44 81.66 99.46
78 75.90 98.56 86.05 99.57 71.58 98.65 82.38 99.46
78.5 76.39 98.56 86.27 99.57 72.09 98.65 82.67 99.46
79 77.03 98.56 86.65 99.57 72.74 98.65 83.19 99.46
79.5 77.50 98.56 86.93 99.57 73.29 98.75 83.49 99.46
80 78.11 98.56 87.33 99.67 74.00 98.86 83.93 99.46
80.5 78.62 98.78 87.68 99.67 74.66 98.86 84.40 99.46
81 79.78 99.00 88.51 99.67 75.98 98.86 85.32 99.46
81.5 80.36 99.00 88.74 99.67 76.55 98.96 85.66 99.46
82 80.87 99.00 89.05 99.67 77.08 98.96 86.06 99.46
82.5 81.46 99.11 89.44 99.67 77.65 98.96 86.45 99.46
83 81.99 99.11 89.79 99.67 78.31 98.96 86.96 99.46
83.5 82.64 99.11 90.15 99.67 78.97 98.96 87.54 99.46
84 83.70 99.11 90.78 99.67 80.05 99.17 88.38 99.46
84.5 84.27 99.11 91.20 99.67 80.62 99.17 88.64 99.46
85 84.87 99.11 91.55 99.67 81.25 99.27 89.01 99.46
85.5 85.88 99.11 92.00 99.78 82.37 99.27 89.84 99.46
86 86.54 99.22 92.35 99.78 82.98 99.27 90.13 99.46
86.5 87.45 99.34 92.81 99.78 83.86 99.27 90.77 99.46
87 88.00 99.34 93.12 99.89 84.36 99.27 91.09 99.64
87.5 88.90 99.34 93.68 99.89 85.46 99.27 91.80 99.73
88 89.34 99.34 93.92 99.89 85.92 99.27 92.19 99.73
88.5 90.14 99.45 94.42 99.89 86.99 99.38 92.83 99.73
89 90.61 99.45 94.57 99.89 87.51 99.48 93.21 99.73
89.5 91.51 99.45 94.98 99.89 88.58 99.58 93.93 99.73
90 91.99 99.45 95.18 99.89 89.13 99.58 94.31 99.73
90.5 92.46 99.45 95.38 99.89 89.68 99.69 94.61 99.73
91 92.77 99.56 95.57 99.89 89.98 99.69 94.79 99.73
91.5 93.21 99.56 95.90 99.89 90.59 99.69 95.19 99.73
92 93.88 99.67 96.29 99.89 91.37 99.69 95.66 99.73
93 94.62 99.67 96.75 99.89 92.25 99.69 96.36 99.73
93.5 95.13 99.67 97.01 99.89 92.94 99.69 96.79 99.73
94 95.45 99.78 97.20 99.89 93.39 99.69 97.08 99.73
94.5 95.95 99.78 97.51 99.89 94.10 99.79 97.50 99.73
95 96.46 99.78 97.76 99.89 94.89 99.79 97.92 99.82
95.5 96.70 99.78 97.91 99.89 95.25 99.79 98.03 99.82
96 97.30 99.78 98.34 100.00 96.04 99.90 98.37 99.91
96.5 97.44 99.78 98.44 100.00 96.31 99.90 98.42 99.91
97 97.81 99.78 98.76 100.00 97.00 99.90 98.73 99.91
97.5 98.39 99.78 99.16 100.00 97.78 99.90 99.12 99.91
98 99.25 99.89 99.62 100.00 98.91 100.00 99.63 100.00
98.5 99.75 100.00 99.89 100.00 99.50 100.00 99.82 100.00
99 99.95 100.00 99.98 100.00 99.90 100.00 99.98 100.00
99.5 99.99 100.00 99.99 100.00 99.99 100.00 99.99 100.00
100 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

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

Income ratio of tract
Percent
Score Low
(Good)
Low
(Bad)
Moderate
(Good)
Moderate
(Bad)
Middle
(Good)
Middle
(Bad)
High
(Good)
High
(Bad)
0 0.00 0.00 0.01 0.27 0.00 0.14 0.00 0.00
0.5 0.20 1.63 0.07 2.12 0.03 2.00 0.02 1.24
1 1.59 8.13 0.58 9.28 0.24 7.25 0.13 5.53
1.5 1.85 10.57 0.67 10.93 0.29 8.96 0.14 6.66
2 1.92 11.92 0.84 13.92 0.40 10.46 0.21 8.58
2.5 2.25 14.91 1.07 15.18 0.51 12.14 0.26 10.72
3 2.51 17.07 1.44 17.83 0.68 14.18 0.34 12.08
3.5 2.84 18.97 1.66 20.01 0.80 15.89 0.40 13.43
4 3.04 23.04 1.99 21.47 0.94 17.18 0.45 15.35
4.5 3.24 25.20 2.11 22.07 0.99 17.68 0.48 15.69
5 3.84 27.91 2.45 25.84 1.21 20.79 0.60 18.62
5.5 4.23 29.54 2.91 28.63 1.44 23.11 0.70 20.77
6 4.70 33.06 3.18 31.35 1.64 25.68 0.81 21.78
6.5 5.03 33.60 3.35 32.60 1.75 26.75 0.91 22.91
7 5.62 35.23 3.68 34.66 1.96 28.57 1.03 24.72
7.5 5.75 36.04 3.85 35.85 2.05 29.75 1.10 25.17
8 6.22 38.48 4.25 37.97 2.22 31.71 1.20 26.75
8.5 6.22 39.30 4.44 38.77 2.33 32.36 1.25 27.20
9 6.61 39.84 4.67 39.70 2.47 33.29 1.35 28.33
9.5 7.01 40.11 4.91 40.76 2.57 34.39 1.40 28.89
10 7.47 41.73 5.27 41.82 2.77 35.50 1.45 30.25
10.5 7.67 42.01 5.46 42.48 2.90 36.25 1.51 31.26
11 8.00 43.63 5.67 43.74 3.11 37.18 1.59 32.28
11.5 8.53 45.53 5.96 44.67 3.29 38.75 1.69 34.54
12 9.26 47.70 6.55 47.12 3.69 40.96 1.94 37.25
12.5 9.59 49.32 6.90 47.91 3.95 42.11 2.10 38.83
13 9.99 50.68 7.56 49.17 4.31 43.57 2.34 39.95
13.5 10.38 52.03 7.90 50.76 4.53 44.75 2.51 41.76
14 10.91 53.66 8.59 53.15 4.87 46.96 2.77 44.13
14.5 11.44 54.74 8.94 53.94 5.09 48.46 2.89 45.03
15 12.17 56.10 9.53 55.27 5.45 49.96 3.09 46.39
15.5 12.50 56.37 9.81 56.06 5.71 50.68 3.22 47.40
16 13.10 57.72 10.43 57.46 6.02 51.96 3.41 48.65
16.5 13.36 58.81 10.96 58.32 6.32 52.54 3.57 50.23
17 13.96 59.62 11.38 59.44 6.69 53.29 3.80 51.02
17.5 14.35 62.06 11.74 60.11 6.93 53.96 3.97 51.69
18 14.75 62.87 12.29 60.77 7.29 55.04 4.16 52.93
18.5 15.28 63.14 12.60 61.23 7.57 55.54 4.37 53.50
19 16.01 63.41 13.02 61.76 7.93 56.43 4.63 53.95
19.5 16.60 63.69 13.39 62.09 8.18 56.82 4.80 54.74
20 17.39 67.21 14.03 64.68 8.63 59.00 5.07 55.98
20.5 17.86 68.02 14.34 65.34 8.87 59.61 5.24 57.00
21 18.52 68.56 14.87 66.93 9.19 60.61 5.49 58.24
21.5 18.85 70.19 15.12 67.40 9.42 61.36 5.68 58.47
22 19.31 70.46 15.66 67.99 9.76 62.43 5.92 59.03
22.5 19.84 71.27 16.04 68.99 10.07 62.86 6.05 59.26
23 20.83 72.63 16.63 69.78 10.49 63.75 6.31 59.82
23.5 21.36 73.44 17.17 70.71 10.84 64.93 6.52 60.72
24 22.22 73.71 18.09 71.90 11.46 66.36 6.96 62.30
24.5 23.08 73.98 18.60 72.56 11.89 67.11 7.20 63.09
25 24.47 74.25 19.32 73.89 12.42 68.43 7.49 63.88
25.5 25.20 75.34 19.84 74.62 12.76 69.11 7.74 64.56
26 26.26 76.42 20.57 75.35 13.27 69.89 8.07 65.91
26.5 26.72 78.32 21.26 76.28 13.72 70.79 8.39 66.37
27 27.78 79.67 22.25 77.67 14.47 71.93 8.94 67.04
27.5 28.51 81.03 22.95 78.26 14.86 72.86 9.16 67.61
28 29.56 82.66 24.09 78.86 15.61 73.89 9.68 68.28
28.5 30.42 82.66 24.72 79.32 16.09 74.75 9.98 69.07
29 31.28 83.20 25.81 80.05 16.95 75.93 10.64 70.43
29.5 31.94 83.47 26.42 80.52 17.50 76.64 11.02 70.77
30 33.00 84.01 27.21 81.11 18.23 77.64 11.53 71.90
30.5 33.73 84.01 27.75 81.25 18.70 78.25 11.85 72.46
31 35.19 84.82 28.79 82.24 19.48 78.96 12.45 74.27
31.5 35.58 85.37 29.43 82.70 19.95 79.50 12.85 74.61
32 36.18 86.45 30.24 83.50 20.59 80.04 13.41 75.17
32.5 36.90 86.45 31.08 84.29 21.21 80.50 13.87 75.62
33 37.70 86.45 31.82 84.82 21.93 81.36 14.43 76.41
33.5 38.16 87.26 32.43 85.35 22.46 81.89 14.82 76.75
34 39.15 87.80 33.34 86.02 23.23 82.79 15.45 77.54
34.5 39.88 87.80 34.23 86.48 23.83 83.39 15.98 78.44
35 41.47 87.80 35.34 87.14 24.76 84.00 16.92 79.01
35.5 42.00 88.35 35.67 87.41 25.10 84.29 17.17 79.57
36 42.92 89.16 36.83 88.34 26.13 85.04 18.09 79.80
36.5 43.52 89.16 37.32 88.47 26.56 85.29 18.36 80.25
37 45.04 89.43 38.68 89.20 27.77 85.96 19.32 80.81
37.5 45.57 89.43 39.13 89.53 28.24 86.32 19.69 81.49
38 47.16 89.97 40.32 90.06 29.38 86.93 20.68 82.28
38.5 47.49 89.97 40.79 90.19 29.75 87.11 21.15 82.62
39 48.48 90.51 41.78 90.59 30.65 87.96 21.98 83.52
39.5 49.14 90.51 42.20 90.72 30.95 88.21 22.27 83.63
40 50.07 90.79 43.05 90.92 31.64 88.86 22.91 83.75
40.5 50.60 91.33 43.71 90.99 32.20 89.29 23.48 84.42
41 51.59 91.87 44.65 91.39 32.99 89.68 24.24 84.76
41.5 51.92 92.41 45.01 91.45 33.38 89.79 24.61 85.10
42 53.04 92.95 46.02 91.92 34.31 90.11 25.44 86.12
42.5 53.90 93.50 46.68 92.18 34.85 90.54 25.93 87.02
43 55.16 93.77 47.58 92.58 35.72 90.96 26.77 87.13
43.5 55.49 94.04 48.26 92.71 36.31 91.25 27.33 87.13
44 57.01 94.31 49.36 93.04 37.22 91.61 28.26 87.70
44.5 57.87 94.31 50.07 93.64 38.05 92.04 28.97 88.15
45 58.80 94.85 50.84 93.90 38.73 92.39 29.64 88.49
45.5 59.33 95.39 51.58 94.04 39.53 92.54 30.30 88.71
46 60.52 95.66 52.44 94.43 40.30 92.86 31.02 89.05
46.5 60.91 95.66 52.96 94.63 40.80 93.04 31.57 89.62
47 62.57 95.94 54.08 95.16 41.79 93.36 32.65 89.73
47.5 62.90 95.94 54.57 95.23 42.18 93.46 33.21 89.84
48 63.89 96.75 55.39 95.43 43.17 93.89 34.12 90.18
48.5 64.22 96.75 55.98 95.49 43.63 94.04 34.64 90.29
49 64.81 96.75 56.46 95.83 44.24 94.18 35.19 90.41
49.5 65.01 96.75 57.05 95.89 44.91 94.32 35.77 90.63
50 65.67 97.02 57.86 95.96 45.66 94.50 36.61 90.86
50.5 66.14 97.02 58.22 95.96 46.08 94.57 37.03 90.86
51 66.93 97.02 58.94 96.09 46.93 94.82 37.78 91.08
51.5 67.20 97.02 59.52 96.16 47.61 94.96 38.43 91.54
52 67.59 97.02 60.35 96.16 48.46 95.25 39.26 92.10
52.5 68.52 97.02 60.86 96.16 49.05 95.36 39.87 92.10
53 68.85 97.29 61.68 96.22 49.86 95.57 40.70 92.33
53.5 69.91 97.29 62.54 96.49 50.63 95.82 41.31 92.33
54 70.90 97.56 63.41 96.62 51.53 96.18 42.14 92.78
54.5 71.10 97.56 63.80 96.62 52.01 96.29 42.68 93.23
55 71.76 97.83 64.81 97.02 52.96 96.39 43.73 93.57
55.5 72.62 97.83 65.23 97.08 53.48 96.54 44.18 94.13
56 73.35 97.83 65.90 97.15 54.23 96.61 44.89 94.36
56.5 74.01 97.83 66.40 97.22 54.81 96.68 45.40 94.47
57 74.74 97.83 67.24 97.28 55.63 96.75 46.33 95.03
57.5 75.00 97.83 67.58 97.35 56.11 96.86 46.88 95.15
58 75.60 98.10 68.31 97.61 56.99 96.86 47.80 95.49
58.5 76.32 98.37 68.94 97.61 57.57 96.89 48.42 95.60
59 77.31 98.37 69.63 97.81 58.34 97.07 49.34 95.71
59.5 77.84 98.37 70.09 97.95 58.93 97.07 49.97 95.71
60 78.57 98.37 70.77 98.14 59.82 97.14 50.83 95.82
60.5 78.90 98.37 71.13 98.14 60.27 97.25 51.24 95.82
61 79.43 98.65 71.80 98.21 60.90 97.43 51.95 95.94
61.5 79.96 98.65 72.37 98.41 61.54 97.50 52.63 96.05
62 80.89 98.65 72.93 98.41 62.16 97.54 53.38 96.16
62.5 81.68 98.92 73.55 98.41 62.89 97.64 54.07 96.50
63 82.28 98.92 74.08 98.54 63.45 97.71 54.73 96.50
63.5 82.61 98.92 74.67 98.54 64.13 97.89 55.58 96.50
64 82.94 98.92 75.38 98.74 64.91 98.04 56.46 96.84
64.5 83.07 98.92 75.71 98.74 65.22 98.07 56.79 96.95
65 83.47 99.19 76.42 98.81 65.90 98.11 57.57 97.07
65.5 83.66 99.19 76.81 98.87 66.31 98.14 58.06 97.07
66 84.13 99.19 77.40 98.87 67.03 98.14 58.89 97.18
66.5 84.39 99.19 77.79 98.94 67.41 98.18 59.28 97.18
67 84.66 99.19 78.10 98.94 67.83 98.21 59.70 97.18
67.5 85.45 99.46 78.75 98.94 68.66 98.43 60.61 97.29
68 85.71 99.46 79.00 98.94 68.95 98.43 60.87 97.29
68.5 86.05 99.46 79.26 98.94 69.32 98.46 61.41 97.29
69 86.24 99.46 79.88 98.94 70.14 98.57 62.27 97.52
69.5 86.44 99.73 80.33 99.01 70.66 98.57 63.03 97.52
70 86.71 99.73 80.74 99.01 71.08 98.57 63.54 97.52
70.5 87.30 99.73 81.14 99.07 71.54 98.61 64.10 97.52
71 87.63 99.73 81.44 99.14 71.95 98.71 64.55 97.52
71.5 87.90 99.73 81.73 99.20 72.35 98.71 65.04 97.52
72 88.49 99.73 82.31 99.20 73.17 98.79 66.12 97.52
73 89.22 99.73 82.96 99.20 74.09 98.79 67.17 97.86
73.5 89.35 99.73 83.30 99.27 74.52 98.86 67.61 97.97
74 89.81 99.73 83.62 99.27 74.97 98.86 68.12 97.97
74.5 90.34 99.73 84.08 99.34 75.55 98.89 68.82 98.08
75 90.67 99.73 84.44 99.47 75.97 98.96 69.26 98.08
75.5 91.20 99.73 84.77 99.54 76.43 99.00 69.81 98.08
76 91.47 99.73 85.03 99.60 76.91 99.11 70.32 98.08
76.5 91.80 99.73 85.41 99.60 77.54 99.14 71.12 98.08
77 92.59 99.73 86.13 99.67 78.53 99.21 72.34 98.31
78 92.92 99.73 87.00 99.67 79.44 99.32 73.51 98.31
78.5 92.99 99.73 87.22 99.67 79.87 99.32 73.94 98.31
79 93.12 99.73 87.63 99.67 80.43 99.32 74.58 98.31
79.5 93.39 99.73 87.88 99.67 80.87 99.36 75.02 98.31
80 93.92 99.73 88.19 99.73 81.41 99.39 75.65 98.31
80.5 93.98 99.73 88.51 99.73 81.88 99.39 76.31 98.53
81 94.51 99.73 89.39 99.73 82.89 99.43 77.51 98.65
81.5 94.71 99.73 89.61 99.80 83.37 99.43 78.07 98.65
82 94.78 99.73 89.91 99.80 83.83 99.43 78.53 98.65
82.5 94.91 99.73 90.29 99.80 84.34 99.46 79.06 98.65
83 95.11 99.73 90.57 99.80 84.85 99.46 79.72 98.65
83.5 95.17 99.73 90.92 99.80 85.43 99.50 80.36 98.65
84 95.24 99.73 91.40 99.80 86.28 99.54 81.48 98.76
84.5 95.37 99.73 91.71 99.80 86.73 99.54 81.99 98.76
85 95.50 99.73 92.00 99.80 87.25 99.54 82.54 98.87
85.5 95.70 99.73 92.64 99.87 88.10 99.54 83.61 98.87
86 95.70 99.73 92.89 99.93 88.61 99.54 84.21 98.87
86.5 96.23 99.73 93.35 99.93 89.28 99.57 85.10 98.87
87 96.30 99.73 93.49 99.93 89.68 99.64 85.68 99.10
87.5 96.43 99.73 93.93 99.93 90.40