Hawaii - 2016

Final Grade

Financial Knowledge

D+

69.06%

Credit

A+

99.94%

Savings and Spending

B+

88.11%

Retirement Readiness and Other Investing

A+

100%

Protect and Insure

B

85.47%

Financial Knowledge

Mean number of correct answers

B

84.69%

Offered financial education and participated

F

57.62%

Levels of High School Financial Education

F

55%

Credit

General Credit

A-

91.24%

Housing Credit

C-

72.97%

Auto Credit

A+

97.17%

Credit Card

A-

90.84%

Student Loan

A

96.37%

Other Credit

A+

100%

General Credit

Vantage Scores

B+

88.57%

On Time Payers

B+

88.68%

Prime Credit

A

94.74%

Inclusion in Credit Economy

D-

61.32%

Revolving Credit

A

95.39%

Utilization

B+

87.25%

Bankruptcy

A

94.91%

Share Past Due

B+

89.81%

Debt Burden

B-

82.86%

Highest Tier Credit

B+

88.75%

Housing Credit

Loan to Value Ratios

A+

100%

Equity Rich

A+

100%

Homeownership Rates

D

63.67%

Mortgage Delinquency Rates

B

85.85%

Foreclosure Rates

B-

82.48%

Have a Mortgage

B

84.21%

High Cost to Homeowners

F

55%

High Cost to Renters

F

55.97%

Seriously Underwater Mortgages

A

93.26%

Mortgage balance as a proportion of household income

D

63.91%

Auto Credit

Auto Loan as Portion of Household Income

A-

91.71%

Auto Loan Delinquencies

A

94.34%

Percent of Auto Loans

A-

90.41%

Impact of Auto Insurance Premiumes on Credit Scores

A+

100%

Credit Card

Always Paid Credit Card Bills In Full

A-

90.93%

Carried Balance on Credit Card with Interest Charged

B

85.84%

Made only Minimum Monthly Payments on Credit Card

B

84.87%

Credit Card Delinquencies

A-

90.94%

Average Credit Card Balance as a Percent of Median Household Income

A

93.37%

Student Loan

Graduates with Student Debt

A+

98.5%

Average Debt Balance

B-

82.97%

Calculated monthly Payments Prior to Borrowing

A-

92.47%

Never Made a Late Payment on your Student Loan

B

84.04%

Other Credit

Unpaid Medical Bills

A+

100%

Used Alternative Borrowing

A-

90.38%

Took a Loan from a Retirement Account

A+

99.33%

Delinquency of Unsecured Personal Loans

A+

99.72%

Balance of Unsecured Personal Loans as a Percent of Household Income

C+

77.39%

Savings and Spending

Spend less than Income

C

74.93%

Does not have an emergency fund

A-

92.54%

Unbanked

A

93.21%

Underbanked

B-

81.32%

Saving for Children's College

C-

72.69%

Overdraws checking account occasionally

C+

77.93%

Could come up with $2,000 in an emergency

A

96.37%

Has a household budget

F

55.2%

Has Taken a Hardship Withdrawal from Retirement Account

A-

90.49%

Retirement Readiness and Other Investing

Access to a Retirement Plan

C+

79.38%

Take Up Rate of Retirement Plans

B+

88.25%

Tried to Figure Out how much needed for retirement

A+

100%

Amount of Income residents will be able to replace in retirement

A+

100%

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

A+

100%

Invests Outside of Retirement Accounts

A+

100%

Protect and Insure

Percent without Health Insurance

A

94.3%

Average Face Amount of Life Insurance

C-

72.19%

Uninsured Motorists

B+

89.77%