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

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

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Tables for Overview Figures

Figure O--1. Mean TransRisk Score, by Demographic Group

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

Figure O--1. Mean TransRisk Score, by Demographic Group
Race or ethnicity (SSA data)

	Score
Non-Hispanic white	54.0
Black	25.6
Hispanic	38.2
Asian	54.8

Figure O--1. Mean TransRisk Score, by Demographic Group
Sex

	Score
Male	48.8
Female	50.4

Figure O--1. Mean TransRisk Score, by Demographic Group
Age (years)

	Score
Less than 30	34.3
30-39	39.8
40-49	46.9
50-61	54.5
More than 61	68.1

Figure O--1. Mean TransRisk Score, by Demographic Group
Marital status

	Score
Married male	55.7
Single male	43.4
Married female	57.5
Single female	44.8

Figure O--1. Mean TransRisk Score, by Demographic Group
Income ratio of tract

	Score
Low	32.5
Moderate	40.7
Middle	50.4
High	57.9

Figure O--1. Mean TransRisk Score, by Demographic Group
Minority percent of tract

	Score
Less than 10	55.7
10-49	49.6
50-79	40.6
80 or more	34.6

Return to figure

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group

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

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Race or ethnicity (SSA data)
Percent

Score	Non- Hispanic white	Black	Hispanic	Asian
0	0.01	0.07	0.01	0.00
0.5	0.26	1.19	0.47	0.13
1	1.16	5.33	2.22	0.88
1.5	1.43	6.47	2.74	1.07
2	1.80	7.89	3.49	1.32
2.5	2.09	9.27	4.04	1.51
3	2.55	11.20	5.02	1.83
3.5	2.96	12.82	5.77	2.20
4	3.39	14.58	6.60	2.48
4.5	3.54	15.16	6.92	2.58
5	4.19	17.72	8.22	3.10
5.5	4.72	19.81	9.31	3.49
6	5.28	21.72	10.18	3.90
6.5	5.56	22.93	10.80	4.08
7	6.11	24.69	11.94	4.40
7.5	6.34	25.51	12.38	4.72
8	6.81	26.95	13.18	5.02
8.5	7.02	27.55	13.60	5.14
9	7.34	28.59	14.09	5.38
9.5	7.60	29.38	14.65	5.53
10	7.95	30.45	15.20	5.74
10.5	8.20	31.16	15.69	5.84
11	8.62	32.29	16.38	6.25
11.5	8.94	33.33	16.92	6.46
12	9.56	35.11	18.03	6.95
12.5	9.92	36.07	18.58	7.29
13	10.40	37.20	19.36	7.61
13.5	10.76	38.21	19.95	7.97
14	11.41	39.79	21.10	8.40
14.5	11.75	40.75	21.76	8.68
15	12.29	42.07	22.62	9.09
15.5	12.61	42.91	23.21	9.45
16	13.09	44.04	24.02	9.75
16.5	13.43	44.88	24.69	10.05
17	13.84	45.83	25.49	10.32
17.5	14.13	46.58	25.97	10.53
18	14.56	47.40	26.62	10.96
18.5	14.84	48.07	27.10	11.11
19	15.24	48.76	27.78	11.51
19.5	15.50	49.29	28.21	11.80
20	16.54	53.05	30.31	12.37
20.5	16.88	54.04	30.93	12.68
21	17.37	55.24	31.90	13.02
21.5	17.64	55.90	32.31	13.24
22	18.07	56.76	33.01	13.60
22.5	18.38	57.37	33.55	13.90
23	18.77	58.20	34.24	14.19
23.5	19.13	58.86	35.06	14.41
24	19.73	60.00	36.19	14.95
24.5	20.09	60.62	36.80	15.20
25	20.54	61.45	37.68	15.51
25.5	20.84	62.08	38.17	15.72
26	21.27	62.93	38.95	16.18
26.5	21.67	63.54	39.65	16.62
27	22.27	64.39	40.60	17.10
27.5	22.62	65.00	41.28	17.40
28	23.19	65.85	42.21	17.90
28.5	23.55	66.41	42.93	18.27
29	24.28	67.28	44.01	18.93
29.5	24.71	67.65	44.54	19.16
30	25.24	68.37	45.32	19.73
30.5	25.59	68.85	45.74	20.18
31	26.22	69.59	46.69	21.00
31.5	26.58	69.98	47.24	21.39
32	27.07	70.60	48.05	21.81
32.5	27.48	71.06	48.74	22.37
33	28.00	71.61	49.35	22.92
33.5	28.40	72.14	49.96	23.32
34	28.94	72.67	50.64	23.95
34.5	29.43	73.15	51.28	24.34
35	30.16	73.95	52.20	25.13
35.5	30.42	74.20	52.64	25.48
36	31.17	74.83	53.57	26.16
36.5	31.50	75.11	53.96	26.50
37	32.27	75.87	55.04	27.39
37.5	32.61	76.16	55.38	27.69
38	33.36	76.88	56.39	28.54
38.5	33.66	77.19	56.71	28.81
39	34.32	77.72	57.55	29.66
39.5	34.56	77.95	57.83	29.87
40	35.09	78.32	58.37	30.37
40.5	35.48	78.75	58.79	30.85
41	36.06	79.28	59.47	31.54
41.5	36.33	79.49	59.83	31.86
42	36.97	80.06	60.60	32.52
42.5	37.35	80.43	61.06	32.95
43	37.97	80.95	61.77	33.54
43.5	38.36	81.22	62.19	34.08
44	38.98	81.76	63.03	34.85
44.5	39.54	82.11	63.58	35.46
45	40.03	82.48	64.22	36.03
45.5	40.56	82.85	64.77	36.69
46	41.13	83.23	65.37	37.36
46.5	41.50	83.42	65.71	37.92
47	42.26	83.87	66.47	38.80
47.5	42.59	84.08	66.81	39.33
48	43.37	84.46	67.50	40.14
48.5	43.77	84.66	67.87	40.58
49	44.24	84.94	68.33	41.11
49.5	44.72	85.20	68.78	41.65
50	45.33	85.56	69.38	42.38
50.5	45.63	85.75	69.68	42.78
51	46.19	86.05	70.26	43.63
51.5	46.62	86.24	70.66	44.12
52	47.20	86.46	71.23	44.99
52.5	47.60	86.69	71.73	45.63
53	48.16	86.99	72.28	46.50
53.5	48.66	87.27	72.71	47.31
54	49.29	87.56	73.29	48.22
54.5	49.59	87.70	73.60	48.75
55	50.25	88.06	74.20	49.75
55.5	50.62	88.28	74.57	50.16
56	51.21	88.53	75.14	50.87
56.5	51.58	88.72	75.53	51.46
57	52.19	88.94	76.13	52.31
57.5	52.55	89.05	76.46	52.81
58	53.17	89.25	77.02	53.48
58.5	53.59	89.41	77.40	54.05
59	54.21	89.68	77.88	54.89
59.5	54.65	89.85	78.24	55.45
60	55.32	90.16	78.79	56.40
60.5	55.64	90.28	79.10	56.92
61	56.15	90.49	79.47	57.42
61.5	56.65	90.67	79.82	58.05
62	57.15	90.86	80.23	58.70
62.5	57.69	91.06	80.63	59.66
63	58.23	91.26	80.90	60.28
63.5	58.82	91.48	81.34	61.07
64	59.43	91.65	81.80	61.86
64.5	59.71	91.77	82.04	62.22
65	60.29	91.91	82.47	63.02
65.5	60.66	92.03	82.65	63.48
66	61.26	92.18	83.04	64.13
66.5	61.59	92.28	83.36	64.77
67	61.91	92.36	83.56	65.05
67.5	62.61	92.62	84.07	66.07
68	62.84	92.69	84.25	66.33
68.5	63.15	92.79	84.45	66.70
69	63.86	92.96	84.89	67.50
69.5	64.30	93.06	85.16	68.00
70	64.71	93.19	85.43	68.52
70.5	65.15	93.34	85.70	68.92
71	65.50	93.44	85.94	69.32
71.5	65.82	93.54	86.15	69.68
72	66.57	93.71	86.59	70.58
73	67.42	93.98	87.01	71.73
73.5	67.80	94.06	87.20	72.01
74	68.23	94.20	87.40	72.49
74.5	68.99	94.39	87.83	73.20
75	69.68	94.60	88.21	73.78
75.5	70.15	94.72	88.46	74.32
76	70.58	94.82	88.67	74.73
76.5	71.14	94.98	88.94	75.25
77	72.23	95.26	89.60	76.81
78	73.26	95.47	90.09	77.69
78.5	73.70	95.53	90.26	78.06
79	74.34	95.65	90.53	78.54
79.5	74.78	95.74	90.78	79.03
80	75.34	95.90	91.08	79.58
80.5	75.95	96.11	91.36	80.09
81	77.02	96.30	91.79	81.04
81.5	77.50	96.39	92.02	81.54
82	77.97	96.48	92.21	81.99
82.5	78.49	96.60	92.43	82.54
83	79.02	96.71	92.64	82.99
83.5	79.74	96.85	92.91	83.53
84	80.59	97.00	93.30	84.29
84.5	81.06	97.10	93.52	84.61
85	81.54	97.21	93.69	84.98
85.5	82.51	97.42	94.11	85.71
86	83.07	97.51	94.28	86.08
86.5	83.75	97.64	94.62	86.72
87	84.16	97.73	94.74	87.02
87.5	84.97	97.89	95.03	87.67
88	85.37	97.93	95.19	88.02
88.5	86.18	98.05	95.46	88.67
89	86.62	98.11	95.58	89.10
89.5	87.55	98.24	95.88	89.82
90	88.04	98.31	96.05	90.18
90.5	88.51	98.35	96.24	90.59
91	88.81	98.38	96.32	90.88
91.5	89.28	98.44	96.46	91.27
92	89.98	98.57	96.71	91.76
93	90.97	98.73	97.03	92.56
93.5	91.82	98.85	97.35	93.19
94	92.52	98.97	97.57	93.69
94.5	93.68	99.12	97.93	94.53
95	94.57	99.21	98.21	95.20
95.5	94.92	99.25	98.34	95.46
96	95.85	99.38	98.64	96.28
96.5	96.11	99.42	98.71	96.50
97	96.77	99.51	98.92	97.12
97.5	97.69	99.65	99.24	97.93
98	98.94	99.89	99.66	98.94
98.5	99.62	99.95	99.88	99.61
99	99.91	99.99	99.98	99.89
99.5	99.98	100.00	100.00	99.94
100	100.00	100.00	100.00	100.00

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Race or ethnicity (location-based distribution)
Percent

Score	Non- Hispanic white	Black	Hispanic	Asian
0	0.01	0.03	0.02	0.01
0.5	0.30	0.74	0.49	0.32
1	1.29	3.23	2.15	1.40
1.5	1.59	3.95	2.62	1.72
2	2.00	4.87	3.26	2.09
2.5	2.33	5.68	3.81	2.40
3	2.84	6.90	4.68	2.95
3.5	3.28	7.96	5.35	3.37
4	3.74	9.01	6.11	3.84
4.5	3.89	9.39	6.38	4.02
5	4.61	11.08	7.52	4.76
5.5	5.19	12.43	8.43	5.29
6	5.79	13.69	9.28	5.83
6.5	6.11	14.41	9.80	6.16
7	6.69	15.57	10.68	6.64
7.5	6.95	16.13	11.09	6.92
8	7.44	17.09	11.78	7.35
8.5	7.67	17.52	12.10	7.54
9	7.99	18.22	12.59	7.82
9.5	8.27	18.80	13.03	8.07
10	8.62	19.55	13.52	8.41
10.5	8.88	20.07	13.90	8.65
11	9.31	20.92	14.50	9.12
11.5	9.65	21.60	15.01	9.41
12	10.31	22.78	15.89	10.09
12.5	10.69	23.45	16.37	10.41
13	11.17	24.32	17.01	10.83
13.5	11.54	24.98	17.53	11.22
14	12.19	26.13	18.46	11.85
14.5	12.56	26.77	18.99	12.15
15	13.11	27.65	19.76	12.68
15.5	13.45	28.21	20.27	13.03
16	13.93	29.02	20.98	13.54
16.5	14.29	29.57	21.47	13.94
17	14.71	30.32	22.09	14.37
17.5	15.01	30.88	22.48	14.65
18	15.44	31.52	23.07	15.07
18.5	15.74	32.00	23.44	15.32
19	16.14	32.59	23.94	15.71
19.5	16.41	33.02	24.30	16.00
20	17.63	35.90	26.31	17.19
20.5	18.03	36.76	26.97	17.63
21	18.62	37.82	27.91	18.20
21.5	18.91	38.32	28.34	18.51
22	19.35	39.02	28.95	18.96
22.5	19.67	39.54	29.40	19.28
23	20.07	40.20	29.98	19.64
23.5	20.45	40.75	30.54	20.00
24	21.05	41.68	31.46	20.65
24.5	21.43	42.19	31.93	21.02
25	21.90	42.86	32.60	21.45
25.5	22.20	43.32	33.04	21.72
26	22.66	43.97	33.67	22.13
26.5	23.07	44.50	34.22	22.52
27	23.67	45.21	35.03	23.07
27.5	24.02	45.74	35.54	23.45
28	24.61	46.47	36.24	23.98
28.5	24.99	46.99	36.82	24.38
29	25.70	47.87	37.75	25.13
29.5	26.11	48.32	38.22	25.53
30	26.64	48.99	38.91	26.10
30.5	27.00	49.40	39.31	26.44
31	27.61	50.15	40.10	27.07
31.5	27.97	50.54	40.54	27.43
32	28.47	51.14	41.18	27.95
32.5	28.88	51.61	41.75	28.39
33	29.39	52.13	42.32	28.85
33.5	29.80	52.64	42.87	29.30
34	30.34	53.23	43.57	29.85
34.5	30.80	53.71	44.13	30.31
35	31.51	54.48	44.91	31.03
35.5	31.77	54.76	45.21	31.33
36	32.48	55.48	46.03	32.11
36.5	32.80	55.82	46.45	32.45
37	33.58	56.58	47.40	33.29
37.5	33.89	56.88	47.72	33.61
38	34.64	57.66	48.55	34.49
38.5	34.93	57.94	48.87	34.81
39	35.58	58.55	49.63	35.60
39.5	35.81	58.79	49.90	35.85
40	36.31	59.28	50.52	36.38
40.5	36.70	59.72	50.92	36.84
41	37.27	60.28	51.59	37.43
41.5	37.54	60.50	51.87	37.71
42	38.19	61.11	52.59	38.32
42.5	38.58	61.49	53.04	38.76
43	39.18	62.09	53.65	39.32
43.5	39.56	62.42	54.06	39.77
44	40.20	63.03	54.80	40.45
44.5	40.75	63.45	55.35	41.05
45	41.22	63.92	55.92	41.57
45.5	41.75	64.35	56.48	42.14
46	42.31	64.85	57.05	42.72
46.5	42.68	65.17	57.38	43.13
47	43.43	65.82	58.15	43.96
47.5	43.77	66.10	58.48	44.34
48	44.56	66.72	59.21	45.13
48.5	44.95	67.06	59.58	45.51
49	45.42	67.46	60.01	45.98
49.5	45.93	67.86	60.49	46.45
50	46.56	68.41	61.13	47.11
50.5	46.86	68.63	61.40	47.43
51	47.46	69.13	61.98	48.12
51.5	47.87	69.47	62.38	48.59
52	48.45	69.89	62.94	49.22
52.5	48.85	70.24	63.36	49.64
53	49.41	70.69	63.94	50.35
53.5	49.92	71.11	64.38	50.93
54	50.54	71.63	65.01	51.65
54.5	50.85	71.85	65.32	52.01
55	51.53	72.36	66.02	52.78
55.5	51.91	72.64	66.38	53.20
56	52.54	73.09	66.94	53.83
56.5	52.92	73.39	67.31	54.29
57	53.56	73.85	67.89	54.99
57.5	53.94	74.09	68.26	55.40
58	54.57	74.49	68.80	56.02
58.5	54.99	74.81	69.18	56.54
59	55.60	75.24	69.68	57.20
59.5	56.04	75.53	70.08	57.61
60	56.74	76.03	70.70	58.37
60.5	57.05	76.25	70.97	58.75
61	57.55	76.60	71.41	59.23
61.5	58.06	76.94	71.85	59.74
62	58.56	77.27	72.26	60.22
62.5	59.09	77.65	72.72	60.77
63	59.63	78.01	73.13	61.36
63.5	60.32	78.46	73.71	62.13
64	61.02	78.93	74.29	62.85
64.5	61.33	79.13	74.53	63.16
65	61.99	79.58	75.09	63.92
65.5	62.40	79.85	75.46	64.32
66	63.06	80.24	75.99	64.93
66.5	63.58	80.60	76.44	65.50
67	63.95	80.82	76.73	65.85
67.5	64.77	81.40	77.45	66.77
68	65.02	81.60	77.66	67.08
68.5	65.36	81.79	77.92	67.42
69	66.18	82.29	78.58	68.26
69.5	66.60	82.53	78.88	68.65
70	67.05	82.81	79.25	69.13
70.5	67.48	83.15	79.60	69.54
71	67.83	83.34	79.85	69.90
71.5	68.17	83.57	80.13	70.25
72	68.94	84.02	80.71	71.04
73	69.80	84.55	81.33	71.89
73.5	70.17	84.81	81.61	72.21
74	70.60	85.09	81.92	72.62
74.5	71.50	85.64	82.64	73.55
75	72.40	86.32	83.33	74.37
75.5	72.85	86.56	83.64	74.76
76	73.27	86.78	83.89	75.13
76.5	73.78	87.04	84.20	75.62
77	74.85	87.66	85.00	76.80
78	75.85	88.21	85.66	77.75
78.5	76.24	88.43	85.91	78.12
79	76.86	88.76	86.28	78.65
79.5	77.26	89.00	86.55	79.00
80	77.78	89.28	86.92	79.48
80.5	78.42	89.65	87.37	80.09
81	79.37	90.13	87.96	80.94
81.5	79.81	90.36	88.22	81.36
82	80.23	90.54	88.46	81.72
82.5	80.70	90.79	88.76	82.12
83	81.19	91.03	89.06	82.56
83.5	81.86	91.38	89.47	83.13
84	82.63	91.74	89.93	83.81
84.5	83.05	91.95	90.18	84.18
85	83.47	92.18	90.43	84.54
85.5	84.35	92.63	90.98	85.32
86	84.84	92.86	91.25	85.78
86.5	85.45	93.13	91.63	86.37
87	85.82	93.29	91.85	86.73
87.5	86.53	93.62	92.27	87.39
88	86.88	93.77	92.46	87.75
88.5	87.59	94.12	92.86	88.36
89	87.98	94.29	93.10	88.70
89.5	88.80	94.67	93.55	89.44
90	89.23	94.87	93.79	89.78
90.5	89.64	95.04	94.03	90.15
91	89.90	95.14	94.16	90.40
91.5	90.32	95.34	94.38	90.78
92	90.93	95.61	94.73	91.39
93	91.79	96.02	95.21	92.16
93.5	92.54	96.39	95.66	92.82
94	93.18	96.73	96.02	93.35
94.5	94.23	97.29	96.66	94.24
95	95.03	97.65	97.13	95.02
95.5	95.35	97.80	97.31	95.32
96	96.22	98.23	97.83	96.19
96.5	96.45	98.34	97.97	96.42
97	97.05	98.62	98.30	96.96
97.5	97.89	99.08	98.82	97.86
98	99.02	99.60	99.44	98.93
98.5	99.66	99.86	99.80	99.56
99	99.92	99.97	99.95	99.88
99.5	99.98	100.00	99.99	99.97
100	100.00	100.00	100.00	100.00

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Sex
Percent

Score	Male	Female
0	0.01	0.02
0.5	0.34	0.43
1	1.53	1.84
1.5	1.90	2.24
2	2.38	2.76
2.5	2.81	3.19
3	3.46	3.86
3.5	4.03	4.42
4	4.60	5.04
4.5	4.80	5.25
5	5.67	6.19
5.5	6.40	6.93
6	7.15	7.64
6.5	7.56	8.03
7	8.32	8.72
7.5	8.67	9.01
8	9.28	9.57
8.5	9.57	9.82
9	9.99	10.21
9.5	10.35	10.53
10	10.78	10.96
10.5	11.12	11.27
11	11.66	11.75
11.5	12.06	12.18
12	12.81	12.99
12.5	13.28	13.40
13	13.85	13.97
13.5	14.30	14.41
14	15.04	15.21
14.5	15.48	15.64
15	16.13	16.28
15.5	16.56	16.65
16	17.13	17.21
16.5	17.58	17.60
17	18.09	18.08
17.5	18.46	18.41
18	18.96	18.88
18.5	19.32	19.20
19	19.81	19.62
19.5	20.13	19.92
20	21.59	21.25
20.5	22.07	21.64
21	22.69	22.24
21.5	23.05	22.53
22	23.58	22.97
22.5	23.94	23.34
23	24.40	23.79
23.5	24.84	24.20
24	25.54	24.89
24.5	25.96	25.29
25	26.52	25.78
25.5	26.86	26.13
26	27.41	26.60
26.5	27.88	27.03
27	28.55	27.68
27.5	28.95	28.07
28	29.63	28.68
28.5	30.08	29.06
29	30.91	29.77
29.5	31.34	30.18
30	31.93	30.74
30.5	32.32	31.12
31	32.98	31.80
31.5	33.39	32.16
32	33.91	32.69
32.5	34.36	33.13
33	34.92	33.65
33.5	35.36	34.08
34	35.99	34.58
34.5	36.51	35.05
35	37.29	35.77
35.5	37.57	36.03
36	38.35	36.73
36.5	38.71	37.04
37	39.60	37.79
37.5	39.95	38.09
38	40.79	38.83
38.5	41.12	39.11
39	41.81	39.75
39.5	42.04	40.00
40	42.58	40.49
40.5	42.99	40.90
41	43.61	41.45
41.5	43.89	41.72
42	44.54	42.38
42.5	44.92	42.78
43	45.52	43.40
43.5	45.93	43.76
44	46.59	44.40
44.5	47.13	44.94
45	47.63	45.42
45.5	48.16	45.95
46	48.74	46.47
46.5	49.12	46.82
47	49.87	47.55
47.5	50.21	47.87
48	50.97	48.58
48.5	51.35	48.94
49	51.82	49.36
49.5	52.30	49.81
50	52.91	50.37
50.5	53.24	50.62
51	53.78	51.18
51.5	54.20	51.56
52	54.76	52.11
52.5	55.17	52.50
53	55.72	53.04
53.5	56.23	53.51
54	56.85	54.08
54.5	57.16	54.37
55	57.76	55.02
55.5	58.14	55.36
56	58.75	55.86
56.5	59.11	56.21
57	59.71	56.78
57.5	60.06	57.11
58	60.64	57.68
58.5	61.05	58.07
59	61.67	58.60
59.5	62.09	59.00
60	62.71	59.64
60.5	63.00	59.96
61	63.49	60.41
61.5	63.93	60.89
62	64.40	61.36
62.5	64.89	61.88
63	65.38	62.37
63.5	65.93	62.92
64	66.48	63.49
64.5	66.75	63.75
65	67.28	64.28
65.5	67.62	64.60
66	68.16	65.13
66.5	68.48	65.46
67	68.78	65.73
67.5	69.41	66.39
68	69.62	66.61
68.5	69.91	66.88
69	70.57	67.48
69.5	70.96	67.87
70	71.30	68.28
70.5	71.71	68.65
71	72.03	68.95
71.5	72.33	69.22
72	72.99	69.89
73	73.76	70.65
73.5	74.05	71.02
74	74.43	71.40
74.5	75.01	72.15
75	75.63	72.74
75.5	76.05	73.16
76	76.44	73.51
76.5	76.91	74.01
77	77.90	75.01
78	78.79	75.91
78.5	79.14	76.29
79	79.68	76.86
79.5	80.05	77.26
80	80.50	77.78
80.5	81.01	78.35
81	81.89	79.29
81.5	82.30	79.72
82	82.68	80.13
82.5	83.15	80.57
83	83.58	81.05
83.5	84.17	81.66
84	84.88	82.41
84.5	85.31	82.79
85	85.69	83.21
85.5	86.48	84.08
86	86.97	84.52
86.5	87.57	85.09
87	87.92	85.44
87.5	88.57	86.16
88	88.89	86.52
88.5	89.52	87.25
89	89.87	87.64
89.5	90.56	88.51
90	90.94	88.95
90.5	91.31	89.37
91	91.55	89.62
91.5	91.91	90.07
92	92.45	90.70
93	93.23	91.58
93.5	93.87	92.37
94	94.39	93.03
94.5	95.22	94.11
95	95.90	94.92
95.5	96.19	95.23
96	96.88	96.09
96.5	97.07	96.33
97	97.57	96.95
97.5	98.25	97.82
98	99.20	98.99
98.5	99.69	99.65
99	99.92	99.92
99.5	99.98	99.98
100	100.00	100.00

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Age (years)
Percent

Score	Younger than 30	30-39	40-49	50-61	62 or older
0	0.02	0.01	0.02	0.01	0.00
0.5	0.49	0.64	0.46	0.29	0.07
1	2.65	2.64	1.87	1.18	0.39
1.5	3.26	3.26	2.32	1.41	0.48
2	4.06	4.03	2.87	1.77	0.61
2.5	4.74	4.70	3.35	2.06	0.71
3	5.93	5.64	4.01	2.52	0.90
3.5	6.88	6.56	4.59	2.85	1.06
4	7.77	7.58	5.18	3.30	1.19
4.5	8.13	7.95	5.38	3.42	1.23
5	9.58	9.36	6.41	4.00	1.46
5.5	10.64	10.61	7.25	4.45	1.64
6	11.79	11.67	8.05	5.01	1.86
6.5	12.41	12.34	8.45	5.27	1.98
7	13.48	13.55	9.21	5.76	2.17
7.5	14.08	14.02	9.53	5.96	2.25
8	14.99	14.88	10.21	6.35	2.47
8.5	15.38	15.28	10.51	6.55	2.56
9	15.96	15.93	10.97	6.82	2.69
9.5	16.44	16.46	11.35	7.04	2.82
10	17.12	17.07	11.83	7.37	2.95
10.5	17.59	17.51	12.20	7.61	3.07
11	18.38	18.28	12.72	8.02	3.25
11.5	18.85	18.84	13.26	8.40	3.39
12	19.55	19.99	14.22	9.14	3.72
12.5	20.03	20.53	14.80	9.54	3.92
13	20.63	21.27	15.51	10.13	4.16
13.5	21.16	21.87	16.08	10.50	4.33
14	22.35	22.84	16.92	11.17	4.65
14.5	23.00	23.41	17.40	11.50	4.83
15	23.99	24.22	18.10	12.08	5.08
15.5	24.58	24.76	18.51	12.43	5.24
16	25.30	25.51	19.16	12.90	5.52
16.5	25.92	26.02	19.64	13.26	5.70
17	26.56	26.69	20.21	13.66	5.94
17.5	26.98	27.21	20.60	13.95	6.13
18	27.63	27.85	21.18	14.32	6.35
18.5	28.04	28.25	21.57	14.62	6.53
19	28.61	28.84	22.11	15.04	6.74
19.5	29.00	29.27	22.45	15.31	6.88
20	32.14	31.04	23.69	16.18	7.30
20.5	32.87	31.60	24.15	16.50	7.48
21	33.88	32.36	24.78	16.97	7.79
21.5	34.41	32.73	25.14	17.21	7.95
22	35.04	33.34	25.72	17.65	8.17
22.5	35.43	33.82	26.15	17.97	8.36
23	36.02	34.40	26.65	18.37	8.60
23.5	36.60	34.96	27.13	18.73	8.79
24	37.75	35.81	27.88	19.29	9.10
24.5	38.36	36.29	28.30	19.64	9.33
25	39.14	36.93	28.83	20.06	9.66
25.5	39.70	37.35	29.18	20.35	9.83
26	40.47	37.96	29.70	20.82	10.05
26.5	41.11	38.55	30.17	21.27	10.23
27	42.04	39.32	30.92	21.86	10.55
27.5	42.54	39.81	31.34	22.27	10.75
28	43.50	40.65	32.03	22.77	11.06
28.5	44.17	41.09	32.46	23.15	11.26
29	45.22	42.03	33.32	23.83	11.67
29.5	45.89	42.50	33.72	24.22	11.92
30	46.58	43.20	34.34	24.79	12.26
30.5	47.04	43.68	34.74	25.17	12.46
31	47.92	44.54	35.46	25.78	12.81
31.5	48.46	44.96	35.84	26.17	13.04
32	49.12	45.51	36.41	26.66	13.44
32.5	49.71	46.02	36.89	27.10	13.70
33	50.41	46.68	37.43	27.61	14.01
33.5	50.90	47.17	37.91	28.06	14.31
34	51.69	47.75	38.49	28.59	14.70
34.5	52.45	48.34	38.94	29.04	14.98
35	53.48	49.13	39.72	29.76	15.49
35.5	53.84	49.44	40.01	29.99	15.69
36	54.87	50.26	40.80	30.74	16.10
36.5	55.23	50.62	41.16	31.09	16.34
37	56.17	51.46	42.06	31.98	16.86
37.5	56.76	51.75	42.39	32.27	17.07
38	57.97	52.61	43.19	32.97	17.54
38.5	58.32	52.93	43.51	33.29	17.77
39	59.33	53.59	44.19	33.88	18.26
39.5	59.63	53.87	44.46	34.11	18.39
40	60.35	54.44	45.01	34.62	18.65
40.5	60.92	54.84	45.43	35.08	18.89
41	61.72	55.42	46.04	35.72	19.23
41.5	62.16	55.68	46.34	35.98	19.40
42	63.02	56.39	47.02	36.64	19.80
42.5	63.49	56.82	47.41	37.10	20.05
43	64.21	57.42	48.05	37.77	20.47
43.5	64.67	57.79	48.48	38.24	20.70
44	65.70	58.43	49.10	38.90	21.08
44.5	66.36	58.95	49.70	39.49	21.44
45	67.04	59.38	50.21	40.01	21.80
45.5	67.60	59.89	50.77	40.57	22.24
46	68.16	60.43	51.33	41.25	22.70
46.5	68.52	60.75	51.73	41.69	22.97
47	69.40	61.42	52.45	42.45	23.67
47.5	69.80	61.69	52.80	42.80	23.98
48	70.59	62.32	53.57	43.58	24.68
48.5	71.06	62.65	53.91	44.00	24.99
49	71.59	63.07	54.35	44.42	25.43
49.5	72.25	63.50	54.77	44.84	25.87
50	73.00	64.05	55.31	45.41	26.43
50.5	73.38	64.26	55.57	45.73	26.70
51	74.28	64.84	56.04	46.27	27.06
51.5	74.98	65.23	56.45	46.63	27.30
52	75.79	65.82	57.00	47.11	27.68
52.5	76.39	66.27	57.41	47.45	27.94
53	77.14	66.86	57.94	47.94	28.37
53.5	77.94	67.32	58.40	48.43	28.66
54	78.82	67.93	58.96	49.01	29.09
54.5	79.24	68.25	59.28	49.31	29.26
55	80.22	68.85	59.92	49.90	29.68
55.5	80.74	69.24	60.24	50.26	29.90
56	81.47	69.75	60.77	50.78	30.43
56.5	81.92	70.10	61.17	51.10	30.72
57	82.78	70.69	61.76	51.66	31.09
57.5	83.31	71.05	62.07	51.98	31.31
58	84.10	71.67	62.66	52.53	31.70
58.5	84.56	72.13	63.11	52.95	31.94
59	85.30	72.69	63.73	53.51	32.37
59.5	85.77	73.09	64.14	53.94	32.72
60	86.44	73.76	64.75	54.59	33.31
60.5	86.94	74.05	65.01	54.87	33.52
61	87.61	74.54	65.47	55.27	33.90
61.5	88.12	75.01	65.94	55.75	34.31
62	88.66	75.53	66.44	56.20	34.65
62.5	89.38	76.04	66.91	56.69	35.05
63	89.81	76.56	67.36	57.17	35.59
63.5	90.36	77.09	67.95	57.74	36.11
64	90.87	77.69	68.50	58.35	36.65
64.5	91.19	77.98	68.71	58.63	36.87
65	91.75	78.54	69.21	59.18	37.38
65.5	92.07	78.89	69.53	59.52	37.70
66	92.47	79.40	70.11	60.12	38.24
66.5	92.80	79.66	70.44	60.45	38.62
67	93.00	79.97	70.76	60.75	38.87
67.5	93.48	80.59	71.43	61.43	39.62
68	93.64	80.82	71.65	61.67	39.83
68.5	93.81	81.14	71.94	61.96	40.13
69	94.33	81.77	72.55	62.59	40.87
69.5	94.55	82.26	72.99	63.03	41.18
70	94.83	82.61	73.39	63.44	41.61
70.5	95.15	82.98	73.78	63.86	42.02
71	95.37	83.25	74.10	64.27	42.35
71.5	95.53	83.53	74.40	64.63	42.63
72	95.89	84.18	75.13	65.43	43.36
73	96.25	84.83	75.89	66.30	44.40
73.5	96.35	85.18	76.24	66.66	44.85
74	96.53	85.59	76.65	67.02	45.33
74.5	96.80	86.10	77.15	67.59	46.71
75	96.95	86.37	77.56	68.05	48.31
75.5	97.30	86.75	77.95	68.50	48.82
76	97.43	87.12	78.28	69.02	49.29
76.5	97.57	87.63	78.92	69.55	49.82
77	98.21	88.43	79.74	70.65	51.30
78	98.39	89.07	80.61	71.68	52.86
78.5	98.50	89.30	80.99	72.14	53.45
79	98.58	89.60	81.43	72.80	54.58
79.5	98.66	89.90	81.85	73.29	55.15
80	98.76	90.33	82.32	73.83	55.96
80.5	98.85	90.68	82.77	74.40	57.06
81	99.01	91.40	83.70	75.61	58.40
81.5	99.11	91.72	84.12	76.14	59.04
82	99.17	91.99	84.49	76.65	59.73
82.5	99.22	92.33	84.91	77.24	60.47
83	99.28	92.65	85.38	77.83	61.21
83.5	99.31	93.01	85.90	78.49	62.49
84	99.40	93.61	86.65	79.47	63.56
84.5	99.43	93.91	87.06	79.99	64.21
85	99.47	94.14	87.48	80.55	64.86
85.5	99.52	94.64	88.26	81.68	66.35
86	99.55	94.97	88.69	82.34	67.11
86.5	99.59	95.39	89.33	83.15	67.95
87	99.62	95.61	89.69	83.62	68.54
87.5	99.65	96.01	90.43	84.57	69.67
88	99.68	96.22	90.75	85.04	70.25
88.5	99.72	96.56	91.45	85.97	71.46
89	99.75	96.74	91.81	86.49	72.13
89.5	99.80	97.07	92.56	87.59	73.58
90	99.81	97.25	92.90	88.14	74.45
90.5	99.82	97.40	93.24	88.66	75.27
91	99.83	97.48	93.46	88.98	75.81
91.5	99.85	97.69	93.79	89.53	76.62
92	99.87	97.94	94.41	90.28	77.75
93	99.88	98.29	95.07	91.22	79.71
93.5	99.89	98.51	95.48	91.88	81.77
94	99.91	98.66	95.80	92.42	83.54
94.5	99.93	98.86	96.20	93.21	86.65
95	99.94	99.04	96.66	93.98	88.74
95.5	99.94	99.11	96.87	94.38	89.48
96	99.96	99.30	97.38	95.21	91.57
96.5	99.97	99.36	97.55	95.48	92.09
97	99.98	99.50	97.98	96.14	93.50
97.5	99.98	99.65	98.49	97.03	95.60
98	100.00	99.88	99.29	98.53	98.03
98.5	100.00	99.96	99.67	99.35	99.46
99	100.00	99.99	99.93	99.83	99.89
99.5	100.00	100.00	99.98	99.96	99.98
100	100.00	100.00	100.00	100.00	100.00

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Marital status
Percent

Score	Married male	Single male	Married female	Single female
0	0.01	0.01	0.01	0.02
0.5	0.17	0.54	0.24	0.59
1	0.84	2.27	1.00	2.63
1.5	1.07	2.76	1.24	3.14
2	1.34	3.43	1.57	3.85
2.5	1.61	4.02	1.79	4.46
3	2.01	4.90	2.17	5.35
3.5	2.36	5.69	2.51	6.10
4	2.70	6.42	2.85	6.97
4.5	2.81	6.70	2.98	7.23
5	3.28	7.96	3.57	8.44
5.5	3.74	8.89	4.00	9.50
6	4.21	9.80	4.45	10.43
6.5	4.46	10.29	4.69	10.98
7	4.97	11.28	5.14	11.85
7.5	5.20	11.74	5.31	12.23
8	5.60	12.43	5.68	12.97
8.5	5.79	12.82	5.83	13.33
9	6.08	13.26	6.10	13.82
9.5	6.32	13.69	6.31	14.21
10	6.60	14.26	6.56	14.80
10.5	6.81	14.62	6.77	15.17
11	7.18	15.32	7.04	15.83
11.5	7.47	15.84	7.36	16.35
12	8.06	16.72	7.98	17.34
12.5	8.44	17.26	8.37	17.75
13	8.92	17.90	8.80	18.47
13.5	9.19	18.56	9.13	18.99
14	9.76	19.47	9.77	19.89
14.5	10.08	20.05	10.09	20.42
15	10.58	20.76	10.58	21.12
15.5	10.88	21.26	10.86	21.53
16	11.30	21.92	11.28	22.26
16.5	11.66	22.41	11.57	22.70
17	12.07	22.96	11.90	23.29
17.5	12.37	23.38	12.14	23.71
18	12.75	23.98	12.48	24.30
18.5	13.05	24.38	12.73	24.73
19	13.46	24.97	13.04	25.22
19.5	13.71	25.30	13.27	25.60
20	14.45	27.01	13.92	27.20
20.5	14.75	27.53	14.16	27.68
21	15.17	28.26	14.57	28.38
21.5	15.46	28.62	14.77	28.74
22	15.87	29.21	15.13	29.23
22.5	16.15	29.60	15.39	29.68
23	16.53	30.10	15.74	30.24
23.5	16.88	30.57	16.08	30.69
24	17.40	31.38	16.63	31.50
24.5	17.72	31.88	16.98	31.92
25	18.13	32.59	17.36	32.48
25.5	18.38	33.00	17.62	32.95
26	18.79	33.65	17.99	33.46
26.5	19.17	34.19	18.34	33.89
27	19.70	35.01	18.86	34.63
27.5	20.03	35.50	19.19	35.06
28	20.62	36.21	19.69	35.76
28.5	21.00	36.72	20.02	36.17
29	21.69	37.71	20.58	37.04
29.5	22.05	38.19	20.95	37.54
30	22.58	38.85	21.44	38.17
30.5	22.92	39.26	21.77	38.59
31	23.45	40.07	22.36	39.38
31.5	23.79	40.56	22.70	39.76
32	24.25	41.14	23.15	40.38
32.5	24.65	41.64	23.53	40.91
33	25.16	42.23	23.99	41.45
33.5	25.54	42.78	24.37	41.97
34	26.12	43.42	24.84	42.51
34.5	26.57	44.02	25.27	43.00
35	27.29	44.85	25.95	43.74
35.5	27.53	45.20	26.15	44.09
36	28.25	46.08	26.78	44.88
36.5	28.57	46.46	27.07	45.24
37	29.37	47.49	27.80	46.00
37.5	29.72	47.83	28.10	46.30
38	30.52	48.73	28.80	47.03
38.5	30.86	49.01	29.06	47.36
39	31.53	49.69	29.71	48.00
39.5	31.76	49.92	29.96	48.25
40	32.29	50.46	30.44	48.76
40.5	32.68	50.88	30.83	49.19
41	33.27	51.56	31.37	49.77
41.5	33.55	51.83	31.61	50.07
42	34.19	52.51	32.25	50.75
42.5	34.56	52.96	32.65	51.13
43	35.13	53.56	33.23	51.78
43.5	35.51	54.00	33.60	52.12
44	36.12	54.71	34.24	52.74
44.5	36.66	55.27	34.79	53.32
45	37.15	55.78	35.26	53.83
45.5	37.71	56.30	35.80	54.39
46	38.35	56.87	36.37	54.91
46.5	38.76	57.23	36.72	55.27
47	39.58	57.96	37.46	56.02
47.5	39.93	58.32	37.77	56.35
48	40.70	59.04	38.51	57.01
48.5	41.11	59.41	38.84	57.37
49	41.58	59.87	39.30	57.75
49.5	42.07	60.35	39.75	58.20
50	42.71	60.98	40.31	58.74
50.5	43.07	61.27	40.58	58.97
51	43.61	61.84	41.19	59.45
51.5	44.06	62.26	41.58	59.78
52	44.65	62.81	42.11	60.29
52.5	45.09	63.17	42.46	60.67
53	45.66	63.66	42.98	61.24
53.5	46.20	64.11	43.46	61.66
54	46.82	64.79	44.06	62.21
54.5	47.13	65.14	44.37	62.47
55	47.76	65.73	45.05	63.14
55.5	48.17	66.07	45.39	63.43
56	48.78	66.71	45.88	63.94
56.5	49.15	67.04	46.26	64.26
57	49.81	67.63	46.88	64.74
57.5	50.18	67.97	47.25	65.02
58	50.78	68.48	47.90	65.51
58.5	51.25	68.86	48.33	65.85
59	51.91	69.47	48.86	66.37
59.5	52.39	69.83	49.26	66.75
60	53.11	70.36	49.97	67.31
60.5	53.44	70.60	50.27	67.59
61	53.97	71.04	50.78	67.97
61.5	54.44	71.46	51.32	68.35
62	54.96	71.84	51.82	68.81
62.5	55.49	72.24	52.39	69.23
63	56.04	72.69	52.92	69.69
63.5	56.66	73.17	53.53	70.20
64	57.29	73.63	54.17	70.70
64.5	57.59	73.88	54.45	70.92
65	58.20	74.38	55.07	71.35
65.5	58.59	74.69	55.44	71.59
66	59.18	75.25	56.08	72.04
66.5	59.54	75.54	56.44	72.34
67	59.89	75.76	56.76	72.57
67.5	60.63	76.29	57.51	73.12
68	60.86	76.50	57.74	73.32
68.5	61.20	76.71	58.06	73.54
69	62.01	77.21	58.75	74.09
69.5	62.45	77.54	59.21	74.43
70	62.84	77.84	59.68	74.78
70.5	63.34	78.13	60.09	75.12
71	63.70	78.45	60.44	75.38
71.5	64.08	78.70	60.76	75.61
72	64.92	79.19	61.57	76.16
73	65.84	79.89	62.47	76.81
73.5	66.20	80.14	62.90	77.14
74	66.66	80.42	63.35	77.43
74.5	67.34	81.00	64.18	78.14
75	68.03	81.58	64.80	78.76
75.5	68.54	81.92	65.28	79.08
76	69.03	82.26	65.74	79.34
76.5	69.64	82.63	66.39	79.68
77	70.79	83.52	67.53	80.57
78	71.91	84.21	68.64	81.30
78.5	72.38	84.43	69.13	81.57
79	73.05	84.83	69.82	82.08
79.5	73.53	85.11	70.36	82.36
80	74.09	85.53	70.99	82.81
80.5	74.72	85.97	71.68	83.28
81	75.84	86.68	72.86	84.03
81.5	76.39	86.98	73.39	84.37
82	76.90	87.25	73.90	84.75
82.5	77.48	87.64	74.44	85.11
83	78.01	87.95	75.05	85.51
83.5	78.76	88.43	75.78	86.08
84	79.72	88.91	76.80	86.61
84.5	80.30	89.22	77.31	86.85
85	80.82	89.49	77.88	87.14
85.5	81.86	90.02	79.02	87.80
86	82.54	90.32	79.63	88.10
86.5	83.33	90.76	80.38	88.51
87	83.83	91.01	80.86	88.76
87.5	84.70	91.46	81.82	89.29
88	85.15	91.66	82.26	89.61
88.5	86.01	92.12	83.24	90.15
89	86.49	92.35	83.75	90.46
89.5	87.43	92.87	84.85	91.16
90	87.96	93.09	85.46	91.49
90.5	88.46	93.35	86.02	91.80
91	88.82	93.52	86.35	92.01
91.5	89.30	93.78	86.94	92.37
92	90.01	94.17	87.79	92.84
93	91.00	94.82	88.95	93.55
93.5	91.84	95.31	89.90	94.26
94	92.47	95.77	90.73	94.82
94.5	93.52	96.51	92.09	95.71
95	94.45	97.02	93.12	96.39
95.5	94.84	97.23	93.57	96.59
96	95.80	97.70	94.70	97.22
96.5	96.07	97.85	95.02	97.38
97	96.75	98.22	95.86	97.85
97.5	97.63	98.75	97.01	98.54
98	98.91	99.43	98.60	99.35
98.5	99.57	99.78	99.48	99.81
99	99.90	99.93	99.88	99.97
99.5	99.97	99.97	99.98	99.99
100	100.00	100.00	100.00	100.00

Figure O--2. TransRisk Score: Cumulative Percentage, by Demographic Group
Income ratio of tract
Percent

Score	Low	Moderate	Middle	High
0	0.04	0.03	0.01	0.00
0.5	0.93	0.58	0.34	0.19
1	4.05	2.63	1.45	0.85
1.5	5.07	3.20	1.81	1.02
2	5.82	4.02	2.26	1.28
2.5	6.87	4.66	2.64	1.50
3	8.37	5.69	3.22	1.81
3.5	9.63	6.51	3.72	2.12
4	10.97	7.38	4.25	2.42
4.5	11.48	7.70	4.42	2.51
5	13.30	9.05	5.26	2.98
5.5	14.74	10.18	5.93	3.33
6	16.37	11.22	6.61	3.69
6.5	17.15	11.86	6.96	3.91
7	18.53	12.84	7.64	4.28
7.5	19.26	13.32	7.94	4.43
8	20.40	14.19	8.49	4.72
8.5	20.86	14.59	8.75	4.85
9	21.62	15.19	9.12	5.05
9.5	22.33	15.69	9.43	5.23
10	23.10	16.30	9.84	5.47
10.5	23.63	16.73	10.14	5.65
11	24.70	17.45	10.64	5.90
11.5	25.33	18.03	11.01	6.18
12	26.52	19.03	11.72	6.72
12.5	27.24	19.60	12.15	7.00
13	28.07	20.34	12.69	7.37
13.5	28.70	20.94	13.10	7.66
14	29.69	22.03	13.83	8.12
14.5	30.56	22.58	14.25	8.35
15	31.59	23.44	14.85	8.78
15.5	32.18	23.93	15.24	9.02
16	33.09	24.70	15.77	9.38
16.5	33.60	25.30	16.16	9.65
17	34.54	25.89	16.65	9.98
17.5	35.28	26.38	16.97	10.18
18	35.98	26.98	17.45	10.51
18.5	36.52	27.36	17.78	10.75
19	37.16	27.94	18.21	11.06
19.5	37.66	28.32	18.50	11.29
20	41.75	30.71	19.88	12.02
20.5	42.81	31.47	20.33	12.29
21	44.08	32.53	20.95	12.72
21.5	44.61	33.02	21.28	12.91
22	45.35	33.64	21.78	13.25
22.5	45.96	34.10	22.16	13.46
23	46.85	34.66	22.61	13.76
23.5	47.40	35.17	23.04	14.06
24	48.39	36.09	23.72	14.51
24.5	49.00	36.58	24.14	14.78
25	49.84	37.27	24.66	15.11
25.5	50.32	37.75	24.99	15.33
26	51.11	38.41	25.48	15.68
26.5	51.64	38.97	25.93	16.02
27	52.46	39.80	26.54	16.53
27.5	53.09	40.33	26.93	16.80
28	53.85	41.05	27.59	17.24
28.5	54.44	41.57	28.02	17.54
29	55.18	42.48	28.79	18.14
29.5	55.62	42.95	29.22	18.49
30	56.32	43.54	29.84	18.93
30.5	56.78	43.94	30.21	19.24
31	57.69	44.70	30.85	19.80
31.5	58.05	45.15	31.22	20.12
32	58.62	45.84	31.71	20.60
32.5	59.10	46.39	32.14	20.97
33	59.60	46.95	32.67	21.43
33.5	60.14	47.47	33.10	21.79
34	60.75	48.07	33.69	22.29
34.5	61.32	48.62	34.14	22.73
35	62.02	49.35	34.88	23.42
35.5	62.31	49.63	35.16	23.67
36	62.93	50.42	35.91	24.31
36.5	63.32	50.81	36.23	24.60
37	64.17	51.63	37.07	25.31
37.5	64.43	51.93	37.40	25.60
38	65.18	52.75	38.15	26.36
38.5	65.44	53.03	38.43	26.71
39	65.98	53.67	39.10	27.35
39.5	66.20	53.94	39.33	27.58
40	66.73	54.49	39.83	28.09
40.5	67.17	54.91	40.23	28.48
41	67.71	55.53	40.81	29.04
41.5	67.95	55.78	41.08	29.31
42	68.43	56.43	41.75	29.93
42.5	68.82	56.83	42.16	30.31
43	69.44	57.43	42.75	30.92
43.5	69.75	57.79	43.14	31.32
44	70.37	58.42	43.76	32.02
44.5	70.74	58.91	44.32	32.57
45	71.24	59.39	44.81	33.06
45.5	71.48	59.88	45.35	33.61
46	72.07	60.40	45.90	34.20
46.5	72.31	60.71	46.25	34.61
47	73.00	61.40	47.00	35.40
47.5	73.25	61.75	47.31	35.78
48	73.95	62.38	48.09	36.62
48.5	74.17	62.73	48.46	37.05
49	74.49	63.16	48.93	37.52
49.5	74.73	63.64	49.45	38.01
50	75.19	64.22	50.08	38.69
50.5	75.40	64.46	50.36	39.04
51	75.86	65.00	50.97	39.61
51.5	76.18	65.38	51.38	40.08
52	76.58	65.86	51.95	40.68
52.5	77.01	66.20	52.33	41.15
53	77.39	66.71	52.89	41.76
53.5	77.83	67.16	53.39	42.29
54	78.38	67.71	54.02	42.92
54.5	78.57	67.98	54.31	43.27
55	79.06	68.60	54.95	44.04
55.5	79.41	68.91	55.32	44.46
56	79.91	69.41	55.94	45.10
56.5	80.29	69.69	56.34	45.51
57	80.64	70.22	56.95	46.24
57.5	80.88	70.53	57.30	46.67
58	81.26	70.98	57.93	47.32
58.5	81.61	71.34	58.33	47.79
59	82.01	71.83	58.89	48.49
59.5	82.34	72.17	59.33	48.95
60	82.83	72.73	60.00	49.71
60.5	83.04	73.00	60.31	50.02
61	83.46	73.41	60.78	50.57
61.5	83.75	73.82	61.27	51.09
62	84.07	74.19	61.74	51.66
62.5	84.37	74.61	62.27	52.22
63	84.69	75.00	62.78	52.84
63.5	85.03	75.59	63.40	53.65
64	85.41	76.12	64.05	54.46
64.5	85.57	76.33	64.35	54.81
65	86.02	76.83	64.97	55.57
65.5	86.36	77.19	65.34	56.02
66	86.67	77.66	65.95	56.77
66.5	86.97	78.08	66.47	57.30
67	87.13	78.35	66.82	57.70
67.5	87.69	78.96	67.65	58.57
68	87.87	79.16	67.89	58.86
68.5	88.05	79.37	68.20	59.26
69	88.44	79.95	68.99	60.16
69.5	88.73	80.19	69.36	60.73
70	88.94	80.56	69.77	61.21
70.5	89.24	80.87	70.20	61.68
71	89.42	81.10	70.53	62.06
71.5	89.61	81.35	70.84	62.50
72	90.03	81.88	71.53	63.42
73	90.50	82.43	72.34	64.42
73.5	90.68	82.69	72.70	64.82
74	90.85	82.97	73.10	65.31
74.5	91.30	83.64	73.94	66.32
75	91.89	84.37	74.84	67.21
75.5	92.11	84.65	75.27	67.71
76	92.28	84.87	75.65	68.19
76.5	92.49	85.17	76.11	68.83
77	93.15	85.92	77.10	70.06
78	93.62	86.59	77.99	71.23
78.5	93.75	86.81	78.37	71.67
79	93.95	87.19	78.95	72.35
79.5	94.09	87.42	79.35	72.77
80	94.30	87.72	79.84	73.38
80.5	94.48	88.16	80.43	74.11
81	94.76	88.70	81.33	75.19
81.5	94.93	88.93	81.76	75.67
82	95.10	89.16	82.15	76.14
82.5	95.28	89.45	82.59	76.66
83	95.40	89.74	83.05	77.20
83.5	95.54	90.12	83.69	77.96
84	95.77	90.54	84.40	78.85
84.5	95.89	90.79	84.79	79.32
85	96.02	91.06	85.17	79.80
85.5	96.25	91.60	85.95	80.88
86	96.30	91.85	86.40	81.47
86.5	96.47	92.17	86.94	82.24
87	96.50	92.35	87.27	82.71
87.5	96.67	92.72	87.89	83.63
88	96.75	92.88	88.19	84.09
88.5	96.89	93.25	88.82	84.98
89	96.99	93.42	89.16	85.51
89.5	97.13	93.83	89.90	86.49
90	97.23	94.03	90.29	87.03
90.5	97.29	94.23	90.63	87.59
91	97.34	94.37	90.85	87.93
91.5	97.41	94.59	91.23	88.42
92	97.52	94.91	91.75	89.22
93	97.73	95.36	92.53	90.27
93.5	98.06	95.80	93.24	91.07
94	98.28	96.20	93.83	91.77
94.5	98.62	96.91	94.84	92.87
95	98.79	97.36	95.56	93.82
95.5	98.91	97.51	95.83	94.24
96	99.15	98.00	96.60	95.35
96.5	99.19	98.11	96.83	95.60
97	99.41	98.39	97.37	96.34
97.5	99.63	98.94	98.15	97.29
98	99.84	99.51	99.13	98.76
98.5	99.97	99.86	99.71	99.51
99	99.99	99.97	99.94	99.87
99.5	100.00	100.00	99.99	99.96
100	100.00	100.00	100.00	100.00

Return to figure

Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group

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

Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group
Race or ethnicity (SSA data)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	31.28	36.69	33.23	41.32
0.5	30.46	35.81	32.32	40.05
1	29.63	34.93	31.40	38.78
1.5	28.81	34.05	30.48	37.51
2	27.99	33.16	29.56	36.24
2.5	27.17	32.28	28.65	34.97
3	26.34	31.40	27.73	33.70
3.5	25.52	30.51	26.81	32.43
4	24.70	29.63	25.90	31.16
4.5	23.88	28.75	24.98	29.89
5	23.05	27.87	24.06	28.62
5.5	22.23	26.98	23.14	27.35
6	21.41	26.10	22.23	26.08
6.5	20.59	25.22	21.31	24.81
7	19.76	24.33	20.39	23.54
7.5	18.94	23.45	19.48	22.27
8	18.12	22.57	18.56	21.00
8.5	17.30	21.69	17.64	19.72
9	16.47	20.80	16.72	18.45
9.5	15.65	19.92	15.81	17.18
10	14.83	19.04	14.89	15.91
10.5	14.44	18.71	14.56	15.39
11	14.04	18.38	14.23	14.88
11.5	13.65	18.05	13.89	14.36
12	13.25	17.72	13.56	13.84
12.5	12.86	17.39	13.23	13.32
13	12.46	17.06	12.90	12.80
13.5	12.07	16.73	12.57	12.28
14	11.67	16.39	12.23	11.76
14.5	11.28	16.06	11.90	11.24
15	10.88	15.73	11.57	10.72
15.5	10.49	15.40	11.24	10.20
16	10.09	15.07	10.91	9.68
16.5	9.70	14.74	10.57	9.16
17	9.30	14.41	10.24	8.65
17.5	8.91	14.08	9.91	8.13
18	8.51	13.75	9.58	7.61
18.5	8.12	13.42	9.25	7.09
19	7.72	13.09	8.91	6.57
19.5	7.33	12.76	8.58	6.05
20	6.93	12.43	8.25	5.53
20.5	6.81	12.27	8.10	5.62
21	6.69	12.12	7.94	5.72
21.5	6.57	11.96	7.79	5.81
22	6.45	11.80	7.64	5.90
22.5	6.33	11.65	7.49	6.00
23	6.21	11.49	7.33	6.09
23.5	6.09	11.33	7.18	6.19
24	5.97	11.18	7.03	6.28
24.5	5.85	11.02	6.88	6.37
25	5.73	10.86	6.72	6.47
25.5	5.61	10.71	6.57	6.56
26	5.49	10.55	6.42	6.65
26.5	5.37	10.39	6.27	6.75
27	5.25	10.24	6.11	6.84
27.5	5.13	10.08	5.96	6.93
28	5.01	9.92	5.81	7.03
28.5	4.89	9.77	5.66	7.12
29	4.77	9.61	5.50	7.21
29.5	4.65	9.45	5.35	7.31
30	4.53	9.30	5.20	7.40
30.5	4.43	9.04	5.08	7.11
31	4.32	8.79	4.95	6.83
31.5	4.21	8.54	4.83	6.54
32	4.11	8.28	4.70	6.25
32.5	4.00	8.03	4.58	5.96
33	3.89	7.78	4.46	5.68
33.5	3.78	7.52	4.33	5.39
34	3.68	7.27	4.21	5.10
34.5	3.57	7.02	4.09	4.81
35	3.46	6.77	3.96	4.53
35.5	3.36	6.51	3.84	4.24
36	3.25	6.26	3.72	3.95
36.5	3.14	6.01	3.59	3.66
37	3.03	5.75	3.47	3.38
37.5	2.93	5.50	3.35	3.09
38	2.82	5.25	3.22	2.80
38.5	2.71	5.00	3.10	2.51
39	2.61	4.74	2.98	2.23
39.5	2.50	4.49	2.85	1.94
40	2.39	4.24	2.73	1.65
40.5	2.32	4.17	2.72	1.64
41	2.25	4.10	2.70	1.62
41.5	2.18	4.03	2.69	1.61
42	2.11	3.96	2.68	1.59
42.5	2.04	3.89	2.66	1.58
43	1.97	3.83	2.65	1.56
43.5	1.90	3.76	2.64	1.55
44	1.83	3.69	2.62	1.54
44.5	1.76	3.62	2.61	1.52
45	1.69	3.55	2.59	1.51
45.5	1.62	3.49	2.58	1.49
46	1.55	3.42	2.57	1.48
46.5	1.49	3.35	2.55	1.46
47	1.42	3.28	2.54	1.45
47.5	1.35	3.21	2.53	1.43
48	1.28	3.14	2.51	1.42
48.5	1.21	3.08	2.50	1.41
49	1.14	3.01	2.49	1.39
49.5	1.07	2.94	2.47	1.38
50	1.00	2.87	2.46	1.36
50.5	0.97	2.83	2.37	1.33
51	0.94	2.79	2.29	1.29
51.5	0.91	2.74	2.20	1.25
52	0.88	2.70	2.11	1.21
52.5	0.86	2.66	2.03	1.18
53	0.83	2.62	1.94	1.14
53.5	0.80	2.57	1.86	1.10
54	0.77	2.53	1.77	1.07
54.5	0.74	2.49	1.69	1.03
55	0.71	2.45	1.60	0.99
55.5	0.69	2.40	1.51	0.96
56	0.66	2.36	1.43	0.92
56.5	0.63	2.32	1.34	0.88
57	0.60	2.28	1.26	0.85
57.5	0.57	2.23	1.17	0.81
58	0.54	2.19	1.08	0.77
58.5	0.52	2.15	1.00	0.73
59	0.49	2.11	0.91	0.70
59.5	0.46	2.06	0.83	0.66
60	0.43	2.02	0.74	0.62
60.5	0.43	1.93	0.75	0.59
61	0.43	1.84	0.76	0.56
61.5	0.43	1.75	0.77	0.53
62	0.43	1.65	0.77	0.49
62.5	0.43	1.56	0.78	0.46
63	0.42	1.47	0.79	0.43
63.5	0.42	1.38	0.80	0.40
64	0.42	1.29	0.81	0.36
64.5	0.42	1.19	0.81	0.33
65	0.42	1.10	0.82	0.30
65.5	0.42	1.01	0.83	0.26
66	0.42	0.92	0.84	0.23
66.5	0.42	0.83	0.85	0.20
67	0.42	0.73	0.85	0.17
67.5	0.42	0.64	0.86	0.13
68	0.41	0.55	0.87	0.10
68.5	0.41	0.46	0.88	0.07
69	0.41	0.37	0.89	0.04
69.5	0.41	0.27	0.89	0.00
70	0.41	0.18	0.90	0.00
70.5	0.40	0.21	0.87	0.00
71	0.39	0.23	0.84	0.00
71.5	0.39	0.25	0.81	0.01
72	0.38	0.28	0.78	0.02
73	0.36	0.33	0.72	0.04
73.5	0.36	0.35	0.69	0.05
74	0.35	0.37	0.66	0.06
74.5	0.34	0.40	0.63	0.08
75	0.33	0.42	0.60	0.09
75.5	0.32	0.45	0.57	0.10
76	0.32	0.47	0.54	0.11
76.5	0.31	0.49	0.51	0.12
77	0.30	0.52	0.48	0.14
78	0.28	0.57	0.42	0.16
78.5	0.28	0.59	0.38	0.17
79	0.27	0.62	0.35	0.18
79.5	0.26	0.64	0.32	0.19
80	0.25	0.66	0.29	0.21
80.5	0.25	0.69	0.28	0.20
81	0.24	0.72	0.26	0.19
81.5	0.23	0.74	0.24	0.18
82	0.22	0.77	0.23	0.17
82.5	0.22	0.80	0.21	0.16
83	0.21	0.82	0.19	0.15
83.5	0.20	0.85	0.18	0.14
84	0.20	0.88	0.16	0.14
84.5	0.19	0.90	0.14	0.13
85	0.18	0.93	0.13	0.12
85.5	0.18	0.96	0.11	0.11
86	0.17	0.98	0.09	0.10
86.5	0.16	1.01	0.08	0.09
87	0.15	1.04	0.06	0.08
87.5	0.15	1.06	0.04	0.07
88	0.14	1.09	0.03	0.06
88.5	0.13	1.12	0.01	0.05
89	0.13	1.14	0.00	0.05
89.5	0.12	1.17	0.00	0.04
90	0.11	1.20	0.00	0.03
90.5	0.12	1.10	0.00	0.06
91	0.12	1.01	0.00	0.09
91.5	0.13	0.91	0.00	0.12
92	0.14	0.82	0.00	0.15
93	0.15	0.63	0.01	0.21
93.5	0.16	0.53	0.02	0.24
94	0.16	0.44	0.02	0.27
94.5	0.17	0.34	0.03	0.30
95	0.18	0.25	0.04	0.33
95.5	0.18	0.16	0.05	0.36
96	0.19	0.06	0.06	0.39
96.5	0.19	0.00	0.06	0.42
97	0.20	0.00	0.07	0.45
97.5	0.21	0.00	0.08	0.48
98	0.21	0.00	0.09	0.51
98.5	0.22	0.00	0.10	0.54
99	0.23	0.00	0.11	0.58
99.5	0.23	0.00	0.11	0.61
100	0.24	0.00	0.12	0.64

Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group
Race or ethnicity (location-based distribution)
Percent bad

Score	Non- Hispanic white	Black	Hispanic	Asian
0	32.00	37.68	34.18	42.14
0.5	31.15	36.73	33.28	40.95
1	30.31	35.77	32.38	39.76
1.5	29.46	34.82	31.48	38.56
2	28.62	33.87	30.57	37.37
2.5	27.77	32.91	29.67	36.18
3	26.93	31.96	28.77	34.98
3.5	26.08	31.01	27.87	33.79
4	25.24	30.05	26.97	32.60
4.5	24.39	29.10	26.06	31.40
5	23.55	28.15	25.16	30.21
5.5	22.70	27.19	24.26	29.02
6	21.86	26.24	23.36	27.82
6.5	21.01	25.28	22.45	26.63
7	20.17	24.33	21.55	25.44
7.5	19.32	23.38	20.65	24.24
8	18.48	22.42	19.75	23.05
8.5	17.64	21.47	18.85	21.85
9	16.79	20.52	17.94	20.66
9.5	15.95	19.56	17.04	19.47
10	15.10	18.61	16.14	18.27
10.5	14.75	18.25	15.77	17.75
11	14.39	17.89	15.41	17.22
11.5	14.03	17.54	15.04	16.69
12	13.68	17.18	14.67	16.16
12.5	13.32	16.82	14.30	15.63
13	12.97	16.47	13.93	15.10
13.5	12.61	16.11	13.57	14.57
14	12.25	15.75	13.20	14.04
14.5	11.90	15.39	12.83	13.52
15	11.54	15.04	12.46	12.99
15.5	11.19	14.68	12.10	12.46
16	10.83	14.32	11.73	11.93
16.5	10.48	13.97	11.36	11.40
17	10.12	13.61	10.99	10.87
17.5	9.76	13.25	10.62	10.34
18	9.41	12.89	10.26	9.81
18.5	9.05	12.54	9.89	9.29
19	8.70	12.18	9.52	8.76
19.5	8.34	11.82	9.15	8.23
20	7.99	11.47	8.79	7.70
20.5	7.82	11.31	8.63	7.58
21	7.65	11.15	8.48	7.47
21.5	7.48	10.99	8.32	7.36
22	7.31	10.84	8.16	7.24
22.5	7.14	10.68	8.01	7.13
23	6.97	10.52	7.85	7.01
23.5	6.80	10.36	7.70	6.90
24	6.63	10.21	7.54	6.79
24.5	6.46	10.05	7.39	6.67
25	6.29	9.89	7.23	6.56
25.5	6.12	9.73	7.08	6.44
26	5.95	9.58	6.92	6.33
26.5	5.78	9.42	6.77	6.22
27	5.61	9.26	6.61	6.10
27.5	5.44	9.10	6.46	5.99
28	5.27	8.94	6.30	5.87
28.5	5.10	8.79	6.15	5.76
29	4.93	8.63	5.99	5.65
29.5	4.76	8.47	5.84	5.53
30	4.59	8.31	5.68	5.42
30.5	4.49	8.04	5.55	5.34
31	4.38	7.76	5.41	5.27
31.5	4.28	7.48	5.28	5.19
32	4.18	7.21	5.14	5.12
32.5	4.08	6.93	5.01	5.04
33	3.97	6.65	4.88	4.97
33.5	3.87	6.38	4.74	4.89
34	3.77	6.10	4.61	4.81
34.5	3.66	5.82	4.47	4.74
35	3.56	5.55	4.34	4.66
35.5	3.46	5.27	4.20	4.59
36	3.36	4.99	4.07	4.51
36.5	3.25	4.71	3.93	4.44
37	3.15	4.44	3.80	4.36
37.5	3.05	4.16	3.66	4.29
38	2.94	3.88	3.53	4.21
38.5	2.84	3.61	3.40	4.14
39	2.74	3.33	3.26	4.06
39.5	2.64	3.05	3.13	3.99
40	2.53	2.78	2.99	3.91
40.5	2.46	2.78	2.94	3.75
41	2.39	2.78	2.88	3.59
41.5	2.32	2.78	2.83	3.43
42	2.25	2.79	2.77	3.27
42.5	2.19	2.79	2.71	3.12
43	2.12	2.79	2.66	2.96
43.5	2.05	2.79	2.60	2.80
44	1.98	2.80	2.55	2.64
44.5	1.91	2.80	2.49	2.48
45	1.84	2.80	2.43	2.32
45.5	1.77	2.80	2.38	2.16
46	1.70	2.81	2.32	2.00
46.5	1.63	2.81	2.27	1.84
47	1.56	2.81	2.21	1.68
47.5	1.49	2.81	2.16	1.52
48	1.42	2.82	2.10	1.37
48.5	1.35	2.82	2.04	1.21
49	1.28	2.82	1.99	1.05
49.5	1.21	2.82	1.93	0.89
50	1.14	2.83	1.88	0.73
50.5	1.11	2.72	1.83	0.72
51	1.08	2.61	1.79	0.71
51.5	1.05	2.51	1.74	0.70
52	1.02	2.40	1.70	0.69
52.5	0.99	2.30	1.66	0.68
53	0.96	2.19	1.61	0.68
53.5	0.93	2.09	1.57	0.67
54	0.90	1.98	1.52	0.66
54.5	0.87	1.88	1.48	0.65
55	0.84	1.77	1.43	0.64
55.5	0.81	1.66	1.39	0.63
56	0.78	1.56	1.35	0.62
56.5	0.74	1.45	1.30	0.61
57	0.71	1.35	1.26	0.61
57.5	0.68	1.24	1.21	0.60
58	0.65	1.14	1.17	0.59
58.5	0.62	1.03	1.12	0.58
59	0.59	0.93	1.08	0.57
59.5	0.56	0.82	1.04	0.56
60	0.53	0.71	0.99	0.55
60.5	0.52	0.76	0.97	0.54
61	0.51	0.81	0.95	0.53
61.5	0.50	0.86	0.93	0.52
62	0.49	0.91	0.90	0.50
62.5	0.48	0.96	0.88	0.49
63	0.47	1.00	0.86	0.48
63.5	0.46	1.05	0.84	0.46
64	0.45	1.10	0.81	0.45
64.5	0.44	1.15	0.79	0.44
65	0.42	1.20	0.77	0.43
65.5	0.41	1.25	0.75	0.41
66	0.40	1.29	0.73	0.40
66.5	0.39	1.34	0.70	0.39
67	0.38	1.39	0.68	0.37
67.5	0.37	1.44	0.66	0.36
68	0.36	1.49	0.64	0.35
68.5	0.35	1.53	0.61	0.34
69	0.34	1.58	0.59	0.32
69.5	0.33	1.63	0.57	0.31
70	0.32	1.68	0.55	0.30
70.5	0.31	1.60	0.53	0.30
71	0.31	1.52	0.51	0.30
71.5	0.31	1.44	0.49	0.30
72	0.30	1.35	0.48	0.29
73	0.30	1.19	0.44	0.29
73.5	0.29	1.11	0.42	0.29
74	0.29	1.03	0.41	0.29
74.5	0.29	0.95	0.39	0.29
75	0.28	0.87	0.37	0.29
75.5	0.28	0.79	0.35	0.29
76	0.28	0.71	0.34	0.29
76.5	0.27	0.63	0.32	0.29
77	0.27	0.54	0.30	0.28
78	0.26	0.38	0.27	0.28
78.5	0.26	0.30	0.25	0.28
79	0.26	0.22	0.23	0.28
79.5	0.25	0.14	0.21	0.28
80	0.25	0.06	0.20	0.28
80.5	0.24	0.08	0.19	0.27
81	0.23	0.10	0.19	0.25
81.5	0.23	0.11	0.18	0.24
82	0.22	0.13	0.18	0.23
82.5	0.21	0.15	0.17	0.22
83	0.21	0.17	0.17	0.21
83.5	0.20	0.19	0.16	0.19
84	0.19	0.21	0.15	0.18
84.5	0.19	0.23	0.15	0.17
85	0.18	0.25	0.14	0.16
85.5	0.17	0.27	0.14	0.14
86	0.16	0.29	0.13	0.13
86.5	0.16	0.30	0.13	0.12
87	0.15	0.32	0.12	0.11
87.5	0.14	0.34	0.12	0.09
88	0.14	0.36	0.11	0.08
88.5	0.13	0.38	0.11	0.07
89	0.12	0.40	0.10	0.06
89.5	0.11	0.42	0.10	0.05
90	0.11	0.44	0.09	0.03
90.5	0.11	0.43	0.10	0.04
91	0.12	0.42	0.10	0.05
91.5	0.12	0.42	0.11	0.05
92	0.13	0.41	0.11	0.06
93	0.14	0.39	0.12	0.08
93.5	0.14	0.39	0.13	0.08
94	0.15	0.38	0.13	0.09
94.5	0.15	0.37	0.14	0.10
95	0.16	0.37	0.14	0.11
95.5	0.17	0.36	0.15	0.11
96	0.17	0.35	0.15	0.12
96.5	0.18	0.34	0.16	0.13
97	0.18	0.34	0.16	0.13
97.5	0.19	0.33	0.17	0.14
98	0.19	0.32	0.17	0.15
98.5	0.20	0.32	0.18	0.16
99	0.20	0.31	0.18	0.16
99.5	0.21	0.30	0.19	0.17
100	0.21	0.29	0.19	0.18

Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group
Sex
Percent bad

Score	Male	Female
0	32.77	34.40
0.5	31.87	33.53
1	30.96	32.67
1.5	30.06	31.80
2	29.15	30.94
2.5	28.25	30.07
3	27.34	29.20
3.5	26.44	28.34
4	25.53	27.47
4.5	24.63	26.61
5	23.72	25.74
5.5	22.82	24.87
6	21.91	24.01
6.5	21.01	23.14
7	20.10	22.28
7.5	19.20	21.41
8	18.29	20.54
8.5	17.39	19.68
9	16.48	18.81
9.5	15.58	17.95
10	14.67	17.08
10.5	14.38	16.63
11	14.08	16.17
11.5	13.78	15.72
12	13.49	15.26
12.5	13.19	14.81
13	12.89	14.36
13.5	12.60	13.90
14	12.30	13.45
14.5	12.00	12.99
15	11.70	12.54
15.5	11.41	12.09
16	11.11	11.63
16.5	10.81	11.18
17	10.52	10.72
17.5	10.22	10.27
18	9.92	9.82
18.5	9.63	9.36
19	9.33	8.91
19.5	9.03	8.45
20	8.73	8.00
20.5	8.56	7.85
21	8.39	7.71
21.5	8.22	7.56
22	8.05	7.42
22.5	7.87	7.27
23	7.70	7.13
23.5	7.53	6.98
24	7.36	6.84
24.5	7.19	6.69
25	7.01	6.55
25.5	6.84	6.40
26	6.67	6.26
26.5	6.50	6.11
27	6.33	5.97
27.5	6.15	5.82
28	5.98	5.68
28.5	5.81	5.53
29	5.64	5.39
29.5	5.47	5.24
30	5.29	5.10
30.5	5.17	4.96
31	5.04	4.83
31.5	4.92	4.69
32	4.80	4.56
32.5	4.67	4.42
33	4.55	4.29
33.5	4.42	4.15
34	4.30	4.02
34.5	4.17	3.88
35	4.05	3.75
35.5	3.92	3.61
36	3.80	3.48
36.5	3.68	3.34
37	3.55	3.21
37.5	3.43	3.07
38	3.30	2.94
38.5	3.18	2.81
39	3.05	2.67
39.5	2.93	2.54
40	2.80	2.40
40.5	2.73	2.34
41	2.65	2.28
41.5	2.58	2.22
42	2.50	2.16
42.5	2.42	2.10
43	2.35	2.04
43.5	2.27	1.98
44	2.20	1.92
44.5	2.12	1.86
45	2.04	1.80
45.5	1.97	1.74
46	1.89	1.68
46.5	1.82	1.62
47	1.74	1.56
47.5	1.66	1.51
48	1.59	1.45
48.5	1.51	1.39
49	1.43	1.33
49.5	1.36	1.27
50	1.28	1.21
50.5	1.24	1.17
51	1.20	1.14
51.5	1.16	1.11
52	1.12	1.07
52.5	1.08	1.04
53	1.04	1.01
53.5	1.00	0.98
54	0.96	0.94
54.5	0.92	0.91
55	0.88	0.88
55.5	0.84	0.84
56	0.80	0.81
56.5	0.76	0.78
57	0.71	0.74
57.5	0.67	0.71
58	0.63	0.68
58.5	0.59	0.65
59	0.55	0.61
59.5	0.51	0.58
60	0.47	0.55
60.5	0.47	0.54
61	0.47	0.53
61.5	0.46	0.52
62	0.46	0.51
62.5	0.46	0.50
63	0.46	0.49
63.5	0.45	0.48
64	0.45	0.47
64.5	0.45	0.46
65	0.45	0.45
65.5	0.45	0.44
66	0.44	0.43
66.5	0.44	0.42
67	0.44	0.41
67.5	0.44	0.40
68	0.43	0.39
68.5	0.43	0.38
69	0.43	0.37
69.5	0.43	0.36
70	0.42	0.35
70.5	0.42	0.34
71	0.41	0.34
71.5	0.40	0.33
72	0.40	0.32
73	0.38	0.31
73.5	0.37	0.31
74	0.37	0.30
74.5	0.36	0.29
75	0.35	0.29
75.5	0.34	0.28
76	0.34	0.27
76.5	0.33	0.27
77	0.32	0.26
78	0.31	0.25
78.5	0.30	0.24
79	0.29	0.23
79.5	0.28	0.23
80	0.28	0.22
80.5	0.27	0.22
81	0.26	0.21
81.5	0.25	0.21
82	0.25	0.20
82.5	0.24	0.19
83	0.23	0.19
83.5	0.22	0.18
84	0.22	0.18
84.5	0.21	0.17
85	0.20	0.17
85.5	0.19	0.16
86	0.18	0.16
86.5	0.18	0.15
87	0.17	0.14
87.5	0.16	0.14
88	0.15	0.13
88.5	0.15	0.13
89	0.14	0.12
89.5	0.13	0.12
90	0.12	0.11
90.5	0.13	0.12
91	0.13	0.12
91.5	0.14	0.13
92	0.14	0.13
93	0.15	0.14
93.5	0.16	0.15
94	0.16	0.16
94.5	0.17	0.16
95	0.17	0.17
95.5	0.18	0.17
96	0.19	0.18
96.5	0.19	0.18
97	0.20	0.19
97.5	0.20	0.20
98	0.21	0.20
98.5	0.21	0.21
99	0.22	0.21
99.5	0.22	0.22
100	0.23	0.22

Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group
Age (years)
Percent bad

Score	Younger than 30	30-39	40-49	50-61	62 or older
0	34.50	37.02	31.77	31.63	24.20
0.5	33.80	36.01	30.96	30.62	23.67
1	33.10	35.00	30.15	29.62	23.15
1.5	32.41	33.99	29.33	28.61	22.62
2	31.71	32.98	28.52	27.61	22.09
2.5	31.01	31.97	27.70	26.60	21.56
3	30.31	30.96	26.89	25.59	21.04
3.5	29.62	29.95	26.08	24.59	20.51
4	28.92	28.94	25.26	23.58	19.98
4.5	28.22	27.92	24.45	22.58	19.45
5	27.53	26.91	23.63	21.57	18.93
5.5	26.83	25.90	22.82	20.57	18.40
6	26.13	24.89	22.01	19.56	17.87
6.5	25.43	23.88	21.19	18.55	17.34
7	24.74	22.87	20.38	17.55	16.82
7.5	24.04	21.86	19.56	16.54	16.29
8	23.34	20.85	18.75	15.54	15.76
8.5	22.64	19.83	17.94	14.53	15.23
9	21.95	18.82	17.12	13.53	14.71
9.5	21.25	17.81	16.31	12.52	14.18
10	20.55	16.80	15.49	11.52	13.65
10.5	20.28	16.34	15.03	11.26	13.31
11	20.01	15.89	14.57	11.01	12.98
11.5	19.74	15.43	14.11	10.75	12.64
12	19.47	14.98	13.65	10.50	12.30
12.5	19.20	14.52	13.18	10.25	11.96
13	18.93	14.07	12.72	9.99	11.62
13.5	18.65	13.61	12.26	9.74	11.28
14	18.38	13.15	11.80	9.48	10.95
14.5	18.11	12.70	11.34	9.23	10.61
15	17.84	12.24	10.87	8.98	10.27
15.5	17.57	11.79	10.41	8.72	9.93
16	17.30	11.33	9.95	8.47	9.59
16.5	17.03	10.88	9.49	8.21	9.25
17	16.76	10.42	9.02	7.96	8.92
17.5	16.48	9.96	8.56	7.71	8.58
18	16.21	9.51	8.10	7.45	8.24
18.5	15.94	9.05	7.64	7.20	7.90
19	15.67	8.60	7.18	6.94	7.56
19.5	15.40	8.14	6.71	6.69	7.23
20	15.13	7.69	6.25	6.44	6.89
20.5	14.76	7.56	6.16	6.28	6.77
21	14.39	7.42	6.06	6.13	6.65
21.5	14.02	7.29	5.97	5.98	6.53
22	13.65	7.16	5.88	5.82	6.41
22.5	13.28	7.03	5.78	5.67	6.29
23	12.91	6.90	5.69	5.52	6.17
23.5	12.54	6.77	5.59	5.36	6.05
24	12.16	6.64	5.50	5.21	5.93
24.5	11.79	6.51	5.41	5.06	5.81
25	11.42	6.38	5.31	4.90	5.69
25.5	11.05	6.25	5.22	4.75	5.57
26	10.68	6.12	5.12	4.60	5.45
26.5	10.31	5.99	5.03	4.45	5.33
27	9.94	5.86	4.93	4.29	5.21
27.5	9.57	5.72	4.84	4.14	5.09
28	9.20	5.59	4.75	3.99	4.97
28.5	8.83	5.46	4.65	3.83	4.85
29	8.46	5.33	4.56	3.68	4.73
29.5	8.09	5.20	4.46	3.53	4.61
30	7.72	5.07	4.37	3.37	4.49
30.5	7.53	4.96	4.25	3.29	4.46
31	7.33	4.85	4.13	3.20	4.43
31.5	7.14	4.74	4.01	3.11	4.40
32	6.95	4.63	3.89	3.02	4.37
32.5	6.75	4.52	3.77	2.93	4.33
33	6.56	4.41	3.65	2.85	4.30
33.5	6.36	4.29	3.53	2.76	4.27
34	6.17	4.18	3.40	2.67	4.24
34.5	5.98	4.07	3.28	2.58	4.21
35	5.78	3.96	3.16	2.49	4.17
35.5	5.59	3.85	3.04	2.41	4.14
36	5.40	3.74	2.92	2.32	4.11
36.5	5.20	3.63	2.80	2.23	4.08
37	5.01	3.52	2.68	2.14	4.05
37.5	4.82	3.41	2.56	2.05	4.01
38	4.62	3.30	2.44	1.97	3.98
38.5	4.43	3.19	2.32	1.88	3.95
39	4.23	3.08	2.20	1.79	3.92
39.5	4.04	2.96	2.08	1.70	3.89
40	3.85	2.85	1.96	1.61	3.85
40.5	3.79	2.75	1.91	1.56	3.73
41	3.73	2.64	1.86	1.50	3.60
41.5	3.67	2.54	1.81	1.45	3.47
42	3.61	2.44	1.76	1.40	3.35
42.5	3.55	2.33	1.71	1.34	3.22
43	3.49	2.23	1.66	1.29	3.09
43.5	3.43	2.12	1.61	1.23	2.96
44	3.37	2.02	1.56	1.18	2.84
44.5	3.31	1.91	1.51	1.12	2.71
45	3.25	1.81	1.46	1.07	2.58
45.5	3.18	1.71	1.41	1.01	2.45
46	3.12	1.60	1.36	0.96	2.33
46.5	3.06	1.50	1.32	0.91	2.20
47	3.00	1.39	1.27	0.85	2.07
47.5	2.94	1.29	1.22	0.80	1.94
48	2.88	1.18	1.17	0.74	1.82
48.5	2.82	1.08	1.12	0.69	1.69
49	2.76	0.97	1.07	0.63	1.56
49.5	2.70	0.87	1.02	0.58	1.44
50	2.64	0.77	0.97	0.52	1.31
50.5	2.58	0.75	0.94	0.50	1.25
51	2.51	0.73	0.92	0.48	1.20
51.5	2.44	0.71	0.89	0.46	1.15
52	2.37	0.69	0.87	0.44	1.09
52.5	2.31	0.67	0.84	0.42	1.04
53	2.24	0.65	0.82	0.40	0.99
53.5	2.17	0.63	0.79	0.38	0.93
54	2.10	0.61	0.77	0.36	0.88
54.5	2.03	0.59	0.74	0.34	0.83
55	1.97	0.57	0.72	0.32	0.77
55.5	1.90	0.55	0.69	0.30	0.72
56	1.83	0.53	0.67	0.28	0.67
56.5	1.76	0.51	0.64	0.26	0.61
57	1.70	0.49	0.62	0.24	0.56
57.5	1.63	0.47	0.59	0.22	0.51
58	1.56	0.45	0.57	0.20	0.45
58.5	1.49	0.43	0.54	0.18	0.40
59	1.43	0.41	0.52	0.16	0.34
59.5	1.36	0.39	0.49	0.14	0.29
60	1.29	0.37	0.46	0.12	0.24
60.5	1.27	0.37	0.45	0.14	0.26
61	1.26	0.37	0.43	0.15	0.29
61.5	1.24	0.37	0.41	0.16	0.31
62	1.22	0.37	0.40	0.17	0.33
62.5	1.20	0.37	0.38	0.18	0.36
63	1.18	0.37	0.36	0.20	0.38
63.5	1.16	0.37	0.34	0.21	0.41
64	1.15	0.37	0.33	0.22	0.43
64.5	1.13	0.37	0.31	0.23	0.46
65	1.11	0.37	0.29	0.24	0.48
65.5	1.09	0.37	0.27	0.26	0.51
66	1.07	0.37	0.26	0.27	0.53
66.5	1.05	0.37	0.24	0.28	0.55
67	1.04	0.37	0.22	0.29	0.58
67.5	1.02	0.37	0.20	0.30	0.60
68	1.00	0.37	0.19	0.32	0.63
68.5	0.98	0.37	0.17	0.33	0.65
69	0.96	0.37	0.15	0.34	0.68
69.5	0.95	0.37	0.14	0.35	0.70
70	0.93	0.37	0.12	0.36	0.72
70.5	0.88	0.36	0.12	0.35	0.71
71	0.83	0.36	0.12	0.35	0.70
71.5	0.78	0.35	0.12	0.34	0.69
72	0.72	0.35	0.12	0.33	0.68
73	0.62	0.34	0.12	0.31	0.66
73.5	0.57	0.34	0.12	0.31	0.65
74	0.52	0.33	0.13	0.30	0.64
74.5	0.47	0.33	0.13	0.29	0.63
75	0.42	0.33	0.13	0.28	0.62
75.5	0.37	0.32	0.13	0.27	0.61
76	0.32	0.32	0.13	0.26	0.60
76.5	0.27	0.32	0.13	0.26	0.59
77	0.22	0.31	0.13	0.25	0.58
78	0.12	0.30	0.13	0.23	0.56
78.5	0.06	0.30	0.13	0.22	0.55
79	0.01	0.30	0.13	0.21	0.54
79.5	0.00	0.29	0.14	0.21	0.53
80	0.00	0.29	0.14	0.20	0.52
80.5	0.00	0.27	0.13	0.20	0.50
81	0.00	0.26	0.13	0.20	0.48
81.5	0.00	0.24	0.13	0.20	0.46
82	0.00	0.23	0.13	0.20	0.44
82.5	0.00	0.21	0.12	0.19	0.42
83	0.00	0.20	0.12	0.19	0.40
83.5	0.00	0.18	0.12	0.19	0.38
84	0.00	0.17	0.11	0.19	0.36
84.5	0.00	0.15	0.11	0.19	0.34
85	0.00	0.14	0.11	0.19	0.32
85.5	0.00	0.12	0.11	0.19	0.30
86	0.00	0.11	0.10	0.19	0.28
86.5	0.00	0.09	0.10	0.19	0.26
87	0.01	0.08	0.10	0.19	0.24
87.5	0.02	0.06	0.10	0.19	0.22
88	0.02	0.05	0.09	0.19	0.20
88.5	0.03	0.04	0.09	0.19	0.18
89	0.04	0.02	0.09	0.18	0.16
89.5	0.04	0.01	0.09	0.18	0.14
90	0.05	0.00	0.08	0.18	0.12
90.5	0.05	0.00	0.09	0.17	0.14
91	0.04	0.00	0.09	0.17	0.16
91.5	0.04	0.00	0.10	0.16	0.18
92	0.03	0.00	0.10	0.15	0.20
93	0.02	0.00	0.11	0.13	0.24
93.5	0.02	0.00	0.12	0.12	0.26
94	0.02	0.00	0.13	0.12	0.28
94.5	0.01	0.00	0.13	0.11	0.30
95	0.01	0.00	0.14	0.10	0.32
95.5	0.00	0.00	0.14	0.09	0.34
96	0.00	0.00	0.15	0.08	0.35
96.5	0.00	0.00	0.15	0.07	0.37
97	0.00	0.00	0.16	0.07	0.39
97.5	0.00	0.00	0.16	0.06	0.41
98	0.00	0.00	0.17	0.05	0.43
98.5	0.00	0.01	0.17	0.04	0.45
99	0.00	0.01	0.18	0.03	0.47
99.5	0.00	0.01	0.18	0.02	0.49
100	0.00	0.01	0.19	0.01	0.51

Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group
Marital status
Percent bad

Score	Married male	Single male	Married female	Single female
0	29.69	34.20	30.21	36.71
0.5	28.91	33.21	29.46	35.76
1	28.13	32.22	28.70	34.81
1.5	27.35	31.23	27.95	33.87
2	26.57	30.24	27.20	32.92
2.5	25.79	29.26	26.44	31.97
3	25.01	28.27	25.69	31.02
3.5	24.23	27.28	24.93	30.07
4	23.45	26.29	24.18	29.12
4.5	22.67	25.30	23.43	28.17
5	21.90	24.31	22.67	27.22
5.5	21.12	23.33	21.92	26.27
6	20.34	22.34	21.17	25.33
6.5	19.56	21.35	20.41	24.38
7	18.78	20.36	19.66	23.43
7.5	18.00	19.37	18.90	22.48
8	17.22	18.39	18.15	21.53
8.5	16.44	17.40	17.40	20.58
9	15.66	16.41	16.64	19.63
9.5	14.88	15.42	15.89	18.68
10	14.10	14.43	15.14	17.74
10.5	13.70	14.18	14.76	17.24
11	13.29	13.93	14.39	16.74
11.5	12.89	13.68	14.02	16.24
12	12.48	13.43	13.64	15.74
12.5	12.07	13.17	13.27	15.24
13	11.67	12.92	12.90	14.74
13.5	11.26	12.67	12.53	14.25
14	10.86	12.42	12.15	13.75
14.5	10.45	12.17	11.78	13.25
15	10.04	11.92	11.41	12.75
15.5	9.64	11.67	11.04	12.25
16	9.23	11.41	10.66	11.75
16.5	8.82	11.16	10.29	11.26
17	8.42	10.91	9.92	10.76
17.5	8.01	10.66	9.55	10.26
18	7.61	10.41	9.17	9.76
18.5	7.20	10.16	8.80	9.26
19	6.79	9.90	8.43	8.76
19.5	6.39	9.65	8.05	8.27
20	5.98	9.40	7.68	7.77
20.5	5.87	9.29	7.45	7.74
21	5.76	9.17	7.22	7.72
21.5	5.65	9.06	6.99	7.69
22	5.54	8.95	6.76	7.66
22.5	5.43	8.83	6.53	7.64
23	5.32	8.72	6.30	7.61
23.5	5.21	8.61	6.07	7.59
24	5.10	8.49	5.84	7.56
24.5	4.99	8.38	5.61	7.53
25	4.88	8.27	5.38	7.51
25.5	4.77	8.15	5.14	7.48
26	4.66	8.04	4.91	7.46
26.5	4.55	7.93	4.68	7.43
27	4.44	7.81	4.45	7.40
27.5	4.33	7.70	4.22	7.38
28	4.21	7.59	3.99	7.35
28.5	4.10	7.47	3.76	7.33
29	3.99	7.36	3.53	7.30
29.5	3.88	7.25	3.30	7.27
30	3.77	7.13	3.07	7.25
30.5	3.69	6.94	3.01	7.00
31	3.60	6.76	2.96	6.74
31.5	3.51	6.57	2.90	6.49
32	3.42	6.38	2.85	6.24
32.5	3.33	6.20	2.79	5.99
33	3.25	6.01	2.73	5.73
33.5	3.16	5.82	2.68	5.48
34	3.07	5.64	2.62	5.23
34.5	2.98	5.45	2.57	4.98
35	2.89	5.26	2.51	4.73
35.5	2.81	5.08	2.46	4.47
36	2.72	4.89	2.40	4.22
36.5	2.63	4.70	2.35	3.97
37	2.54	4.51	2.29	3.72
37.5	2.45	4.33	2.23	3.47
38	2.37	4.14	2.18	3.21
38.5	2.28	3.95	2.12	2.96
39	2.19	3.77	2.07	2.71
39.5	2.10	3.58	2.01	2.46
40	2.02	3.39	1.96	2.20
40.5	1.95	3.31	1.90	2.19
41	1.88	3.22	1.85	2.18
41.5	1.82	3.13	1.79	2.16
42	1.75	3.05	1.74	2.15
42.5	1.68	2.96	1.68	2.13
43	1.62	2.88	1.63	2.12
43.5	1.55	2.79	1.57	2.10
44	1.48	2.70	1.52	2.09
44.5	1.42	2.62	1.46	2.07
45	1.35	2.53	1.41	2.06
45.5	1.29	2.45	1.35	2.05
46	1.22	2.36	1.30	2.03
46.5	1.15	2.27	1.24	2.02
47	1.09	2.19	1.19	2.00
47.5	1.02	2.10	1.13	1.99
48	0.95	2.02	1.08	1.97
48.5	0.89	1.93	1.02	1.96
49	0.82	1.84	0.97	1.94
49.5	0.75	1.76	0.91	1.93
50	0.69	1.67	0.86	1.91
50.5	0.67	1.60	0.83	1.83
51	0.66	1.52	0.80	1.75
51.5	0.64	1.45	0.77	1.67
52	0.63	1.37	0.74	1.59
52.5	0.61	1.30	0.71	1.51
53	0.60	1.23	0.68	1.43
53.5	0.58	1.15	0.65	1.35
54	0.56	1.08	0.62	1.27
54.5	0.55	1.00	0.59	1.19
55	0.53	0.93	0.56	1.11
55.5	0.52	0.86	0.53	1.03
56	0.50	0.78	0.50	0.95
56.5	0.49	0.71	0.47	0.87
57	0.47	0.63	0.44	0.79
57.5	0.46	0.56	0.42	0.71
58	0.44	0.49	0.39	0.63
58.5	0.43	0.41	0.36	0.55
59	0.41	0.34	0.33	0.47
59.5	0.40	0.26	0.30	0.39
60	0.38	0.19	0.27	0.31
60.5	0.37	0.21	0.26	0.34
61	0.36	0.23	0.26	0.36
61.5	0.35	0.26	0.25	0.39
62	0.34	0.28	0.24	0.41
62.5	0.34	0.30	0.24	0.44
63	0.33	0.33	0.23	0.47
63.5	0.32	0.35	0.22	0.49
64	0.31	0.37	0.22	0.52
64.5	0.30	0.40	0.21	0.54
65	0.29	0.42	0.20	0.57
65.5	0.28	0.44	0.20	0.60
66	0.27	0.46	0.19	0.62
66.5	0.27	0.49	0.18	0.65
67	0.26	0.51	0.18	0.67
67.5	0.25	0.53	0.17	0.70
68	0.24	0.56	0.16	0.73
68.5	0.23	0.58	0.16	0.75
69	0.22	0.60	0.15	0.78
69.5	0.21	0.63	0.15	0.80
70	0.20	0.65	0.14	0.83
70.5	0.20	0.65	0.15	0.79
71	0.19	0.65	0.15	0.75
71.5	0.19	0.65	0.16	0.71
72	0.19	0.64	0.17	0.67
73	0.18	0.64	0.19	0.59
73.5	0.17	0.64	0.19	0.55
74	0.17	0.64	0.20	0.51
74.5	0.17	0.64	0.21	0.47
75	0.16	0.64	0.22	0.43
75.5	0.16	0.64	0.23	0.39
76	0.15	0.64	0.23	0.35
76.5	0.15	0.64	0.24	0.31
77	0.14	0.64	0.25	0.27
78	0.14	0.63	0.27	0.19
78.5	0.13	0.63	0.27	0.15
79	0.13	0.63	0.28	0.11
79.5	0.12	0.63	0.29	0.07
80	0.12	0.63	0.30	0.03
80.5	0.12	0.60	0.29	0.04
81	0.12	0.57	0.28	0.06
81.5	0.12	0.54	0.26	0.07
82	0.12	0.51	0.25	0.08
82.5	0.12	0.49	0.24	0.09
83	0.12	0.46	0.23	0.10
83.5	0.12	0.43	0.22	0.11
84	0.12	0.40	0.21	0.12
84.5	0.12	0.37	0.20	0.13
85	0.12	0.34	0.19	0.14
85.5	0.12	0.31	0.18	0.15
86	0.12	0.28	0.16	0.16
86.5	0.12	0.25	0.15	0.17
87	0.12	0.22	0.14	0.18
87.5	0.11	0.19	0.13	0.19
88	0.11	0.17	0.12	0.21
88.5	0.11	0.14	0.11	0.22
89	0.11	0.11	0.10	0.23
89.5	0.11	0.08	0.09	0.24
90	0.11	0.05	0.08	0.25
90.5	0.12	0.05	0.08	0.27
91	0.13	0.04	0.08	0.30
91.5	0.14	0.04	0.09	0.32
92	0.15	0.03	0.09	0.35
93	0.17	0.03	0.10	0.40
93.5	0.18	0.02	0.10	0.42
94	0.19	0.02	0.10	0.45
94.5	0.20	0.01	0.11	0.47
95	0.21	0.01	0.11	0.50
95.5	0.22	0.01	0.11	0.52
96	0.23	0.00	0.12	0.55
96.5	0.24	0.00	0.12	0.57
97	0.25	0.00	0.12	0.60
97.5	0.25	0.00	0.13	0.62
98	0.26	0.00	0.13	0.65
98.5	0.27	0.00	0.13	0.67
99	0.28	0.00	0.14	0.70
99.5	0.29	0.00	0.14	0.72
100	0.30	0.00	0.14	0.75

Figure O--3. TransRisk Score: Modified New-Account Performance (Percent Bad), by Demographic Group
Income ratio of tract
Percent bad

Score	Low	Moderate	Middle	High
0	43.72	38.65	31.04	27.54
0.5	42.54	37.62	30.24	26.93
1	41.36	36.58	29.44	26.31
1.5	40.18	35.54	28.64	25.70
2	39.00	34.51	27.83	25.08
2.5	37.82	33.47	27.03	24.47
3	36.64	32.43	26.23	23.85
3.5	35.46	31.40	25.42	23.23
4	34.28	30.36	24.62	22.62
4.5	33.10	29.32	23.82	22.00
5	31.92	28.29	23.01	21.39
5.5	30.74	27.25	22.21	20.77
6	29.56	26.21	21.41	20.16
6.5	28.38	25.18	20.60	19.54
7	27.20	24.14	19.80	18.93
7.5	26.02	23.10	19.00	18.31
8	24.84	22.07	18.20	17.70
8.5	23.66	21.03	17.39	17.08
9	22.47	19.99	16.59	16.47
9.5	21.29	18.96	15.79	15.85
10	20.11	17.92	14.98	15.24
10.5	20.05	17.55	14.64	14.77
11	19.98	17.18	14.29	14.31
11.5	19.92	16.80	13.94	13.85
12	19.85	16.43	13.59	13.39
12.5	19.79	16.06	13.24	12.93
13	19.73	15.69	12.90	12.47
13.5	19.66	15.31	12.55	12.01
14	19.60	14.94	12.20	11.55
14.5	19.53	14.57	11.85	11.09
15	19.47	14.20	11.50	10.63
15.5	19.40	13.82	11.16	10.17
16	19.34	13.45	10.81	9.70
16.5	19.27	13.08	10.46	9.24
17	19.21	12.71	10.11	8.78
17.5	19.14	12.33	9.77	8.32
18	19.08	11.96	9.42	7.86
18.5	19.01	11.59	9.07	7.40
19	18.95	11.22	8.72	6.94
19.5	18.88	10.85	8.37	6.48
20	18.82	10.47	8.03	6.02
20.5	18.21	10.27	7.88	5.91