Arizona - 2016

Final Grade

Financial Knowledge

C+

77.76%

Credit

C-

72.34%

Savings and Spending

C+

77.61%

Retirement Readiness and Other Investing

D-

62.67%

Protect and Insure

B-

81.84%

Financial Knowledge

Mean number of correct answers

C

75.41%

Offered financial education and participated

D+

69.68%

Levels of High School Financial Education

B

85%

Credit

General Credit

C

73.16%

Housing Credit

C-

72.45%

Auto Credit

C

74.4%

Credit Card

D

65.06%

Student Loan

B

86.36%

Other Credit

D

66.98%

General Credit

Vantage Scores

D+

69.29%

On Time Payers

C

74.88%

Prime Credit

C

74.42%

Inclusion in Credit Economy

D-

62.07%

Revolving Credit

B

84.42%

Utilization

C+

77.21%

Bankruptcy

B-

80.47%

Share Past Due

B

83.87%

Debt Burden

D

64.29%

Highest Tier Credit

C-

71.88%

Housing Credit

Loan to Value Ratios

C+

79.32%

Equity Rich

D+

69.73%

Homeownership Rates

C

73.98%

Mortgage Delinquency Rates

A-

90.57%

Foreclosure Rates

A+

98.6%

Have a Mortgage

D

64.22%

High Cost to Homeowners

C

75.93%

High Cost to Renters

C

75.08%

Seriously Underwater Mortgages

C

75.87%

Mortgage balance as a proportion of household income

C+

78.32%

Auto Credit

Auto Loan as Portion of Household Income

C-

72.32%

Auto Loan Delinquencies

B

84.1%

Percent of Auto Loans

B-

80.71%

Impact of Auto Insurance Premiumes on Credit Scores

C

76.02%

Credit Card

Always Paid Credit Card Bills In Full

D

66.11%

Carried Balance on Credit Card with Interest Charged

D+

69.44%

Made only Minimum Monthly Payments on Credit Card

D

66.21%

Credit Card Delinquencies

C

74.87%

Average Credit Card Balance as a Percent of Median Household Income

D+

67.38%

Student Loan

Graduates with Student Debt

B

83.5%

Average Debt Balance

B+

88.85%

Calculated monthly Payments Prior to Borrowing

A

94.77%

Never Made a Late Payment on your Student Loan

C-

71.89%

Other Credit

Unpaid Medical Bills

C

75.52%

Used Alternative Borrowing

D

64.55%

Took a Loan from a Retirement Account

C+

77.04%

Delinquency of Unsecured Personal Loans

B

84.28%

Balance of Unsecured Personal Loans as a Percent of Household Income

C

75.12%

Savings and Spending

Spend less than Income

D-

60.31%

Does not have an emergency fund

D+

69.41%

Unbanked

D-

61.07%

Underbanked

B

85.54%

Saving for Children's College

C-

71.94%

Overdraws checking account occasionally

B

85.71%

Could come up with $2,000 in an emergency

C-

72%

Has a household budget

A-

91.38%

Has Taken a Hardship Withdrawal from Retirement Account

C

75.73%

Retirement Readiness and Other Investing

Access to a Retirement Plan

D

66.25%

Take Up Rate of Retirement Plans

D-

61.59%

Tried to Figure Out how much needed for retirement

B-

82.34%

Amount of Income residents will be able to replace in retirement

A-

91.54%

Percent of residents who count on social security for 90+ of their retirement income

C-

72.25%

Invests Outside of Retirement Accounts

D+

68.73%

Protect and Insure

Percent without Health Insurance

C-

70.66%

Average Face Amount of Life Insurance

A-

91.88%

Uninsured Motorists

B

86.3%