{"id":904123,"date":"2025-11-03T09:28:42","date_gmt":"2025-11-03T14:28:42","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/transunion-report-reveals-diverging-credit-risk-trends-among-u-s-consumers\/"},"modified":"2025-11-03T09:28:42","modified_gmt":"2025-11-03T14:28:42","slug":"transunion-report-reveals-diverging-credit-risk-trends-among-u-s-consumers","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/transunion-report-reveals-diverging-credit-risk-trends-among-u-s-consumers\/","title":{"rendered":"TransUnion Report Reveals Diverging Credit Risk Trends Among U.S. Consumers"},"content":{"rendered":"

\nQ3 2025 TransUnion Credit Industry Insights Report finds more consumers in super prime and subprime credit risk tiers
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CHICAGO, Nov. 03, 2025 (GLOBE NEWSWIRE) — Recent patterns in consumer credit risk suggest a growing divide among U.S. consumers, as some demonstrate heightened financial resilience while others face mounting challenges. These insights come from TransUnion\u2019s (NYSE: TRU) newly released\u00a0Q3 2025 Credit Industry Insights Report (CIIR)<\/a>, which also reveals how these shifts are influencing lending behaviors across key credit markets.<\/p>\n

Recent trends in consumer credit risk distribution show a steady increase in the percentage of individuals classified in the lowest risk super prime credit risk tier, rising from 37.1% in Q3 2019 to 40.9% in Q3 2025. This increase in the share of super prime borrowers occurred as the overall credit market expanded, with the total number of super prime borrowers now approximately 16 million higher than in 2019. This upward movement reflects continued financial stability among top-tier consumers. At the same time, the subprime segment has gradually returned to pre-pandemic levels after notable declines in 2020 and 2021, when many consumers were able to pay down debt and reduce credit account delinquencies during a period of reduced expenses and pandemic-related relief programs.<\/p>\n\n\n\n\n\n\n\n\n
\n Super Prime Consumer Share Continues to Rise as Subprime Returns to Pre-Pandemic Levels<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Q3 2019<\/strong>\n <\/td>\n\n Q3 2020<\/strong>\n <\/td>\n\n Q3 2021<\/strong>\n <\/td>\n\n Q3 2022<\/strong>\n <\/td>\n\n Q3 2023<\/strong>\n <\/td>\n\n Q3 2024<\/strong>\n <\/td>\n\n Q3 2025<\/strong>\n <\/td>\n<\/tr>\n
\n Super prime<\/strong>\n <\/td>\n37.1%<\/td>\n38.9%<\/td>\n38.4%<\/td>\n38.3%<\/td>\n39.3%<\/td>\n40.3%<\/td>\n40.9%<\/td>\n<\/tr>\n
\n Prime plus<\/strong>\n <\/td>\n17.6%<\/td>\n17.9%<\/td>\n19.2%<\/td>\n18.9%<\/td>\n18.0%<\/td>\n17.4%<\/td>\n16.9%<\/td>\n<\/tr>\n
\n Prime<\/strong>\n <\/td>\n17.4%<\/td>\n17.5%<\/td>\n18.0%<\/td>\n17.6%<\/td>\n17.0%<\/td>\n16.3%<\/td>\n15.6%<\/td>\n<\/tr>\n
\n Near prime<\/strong>\n <\/td>\n13.5%<\/td>\n13.2%<\/td>\n12.7%<\/td>\n12.4%<\/td>\n12.3%<\/td>\n12.1%<\/td>\n12.2%<\/td>\n<\/tr>\n
\n Subprime<\/strong>\n <\/td>\n14.5%<\/td>\n12.5%<\/td>\n11.8%<\/td>\n12.8%<\/td>\n13.4%<\/td>\n13.9%<\/td>\n14.4%<\/td>\n<\/tr>\n<\/table>\n

Source: TransUnion U.S. Consumer Credit Database<\/p>\n

\u201cWe are seeing a divergence in consumer credit risk, with more individuals moving toward either end of the credit risk spectrum,\u201d said Jason Laky, executive vice president and head of financial services at TransUnion. \u201cWhile super prime has steadily grown since the pandemic, subprime has returned to pre-pandemic levels\u2014leaving the middle tiers increasingly thinner. This shift suggests that while many consumers are navigating the current economic climate well, others may be facing financial strain.\u201d<\/p>\n

The movement toward super prime and subprime tiers is clearly reflected in recent activity across the credit card and auto lending markets. Year-over-year growth in new account originations and total balances was strongest in these two tiers, far outpacing all others. This divergence in credit behavior highlights evolving consumer dynamics and underscores the importance of tailored risk strategies across the credit spectrum.<\/p>\n\n\n\n\n\n\n\n\n\n\n
\n Credit Card and Auto Originations and Total Outstanding Balances Have Seen Greater YoY Growth on the Two Ends of the Risk Spectrum
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\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n YoY% Change by Risk Tier<\/strong>\n <\/td>\n\n Credit Card<\/strong>\n <\/td>\n\n Auto<\/strong>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n Originations*<\/strong>\n <\/td>\n\n Total Balances<\/strong>\n <\/td>\n\n Originations*<\/strong>\n <\/td>\n\n Total Balances<\/strong>\n <\/td>\n<\/tr>\n
\n Super prime<\/strong>\n <\/td>\n9.4%<\/td>\n7.6%<\/td>\n8.4%<\/td>\n4.1%<\/td>\n<\/tr>\n
\n Prime plus<\/strong>\n <\/td>\n5.1%<\/td>\n3.5%<\/td>\n2.6%<\/td>\n-2.5%<\/td>\n<\/tr>\n
\n Prime<\/strong>\n <\/td>\n0.9%<\/td>\n0.9%<\/td>\n0.4%<\/td>\n-2.7%<\/td>\n<\/tr>\n
\n Near prime<\/strong>\n <\/td>\n5.4%<\/td>\n4.7%<\/td>\n4.5%<\/td>\n3.5%<\/td>\n<\/tr>\n
\n Subprime<\/strong>\n <\/td>\n21.1%<\/td>\n6.4%<\/td>\n8.8%<\/td>\n6.5%<\/td>\n<\/tr>\n<\/table>\n

\n *Note: Originations are viewed one quarter in arrears to account for reporting lag.<\/em>
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Source: TransUnion U.S. Consumer Credit Database<\/p>\n

\u201cAs consumers increasingly shift toward the extremes of the credit risk spectrum, it\u2019s no surprise we\u2019re seeing the sharpest growth in credit card and auto activity within those tiers,\u201d said Michele Raneri, vice president and head of U.S. research and consulting at TransUnion. \u201cTo navigate these changes effectively, lenders should leverage advanced tools\u2014like access to trended data<\/a>\u2014to better assess evolving risk profiles.\u201d<\/p>\n

To learn more about the latest consumer credit trends, register for the\u00a0Q3 2025 Quarterly Credit Industry Insights Report webinar<\/a>. Read on for more specific insights about credit cards, personal loans, auto loans and mortgages.<\/p>\n

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\n Credit card market sees consistency, expansion, and healthier risk signals <\/em>
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\n Q3 2025 CIIR Credit Card Summary<\/strong>\n <\/p>\n