Indiana - 2016

Final Grade

Financial Knowledge

C-

72.12%

Credit

C

76.2%

Savings and Spending

C+

77.9%

Retirement Readiness and Other Investing

C

76.15%

Protect and Insure

D+

69.49%

Financial Knowledge

Mean number of correct answers

C-

72.63%

Offered financial education and participated

C-

70.03%

Levels of High School Financial Education

C

75%

Credit

General Credit

C

76.1%

Housing Credit

C+

77.42%

Auto Credit

B-

82.33%

Credit Card

C

74.31%

Student Loan

D+

67.04%

Other Credit

C-

71.73%

General Credit

Vantage Scores

C-

70%

On Time Payers

C+

78.47%

Prime Credit

B-

80.77%

Inclusion in Credit Economy

C

73.22%

Revolving Credit

C+

77.26%

Utilization

C

75.28%

Bankruptcy

D+

67.74%

Share Past Due

B+

87.26%

Debt Burden

C

76.43%

Highest Tier Credit

C+

77.5%

Housing Credit

Loan to Value Ratios

D

64.73%

Equity Rich

F

59.34%

Homeownership Rates

A-

91.56%

Mortgage Delinquency Rates

B

86.49%

Foreclosure Rates

B+

88.7%

Have a Mortgage

C

75.35%

High Cost to Homeowners

B+

88.15%

High Cost to Renters

C

75.08%

Seriously Underwater Mortgages

B-

80%

Mortgage balance as a proportion of household income

A+

98.96%

Auto Credit

Auto Loan as Portion of Household Income

B-

82.24%

Auto Loan Delinquencies

B

84.37%

Percent of Auto Loans

B-

80.75%

Impact of Auto Insurance Premiumes on Credit Scores

B

85.61%

Credit Card

Always Paid Credit Card Bills In Full

C-

72.52%

Carried Balance on Credit Card with Interest Charged

C

76.65%

Made only Minimum Monthly Payments on Credit Card

C-

71.48%

Credit Card Delinquencies

B

83.05%

Average Credit Card Balance as a Percent of Median Household Income

C

76.89%

Student Loan

Graduates with Student Debt

C+

77.5%

Average Debt Balance

D+

68.86%

Calculated monthly Payments Prior to Borrowing

B+

88.68%

Never Made a Late Payment on your Student Loan

D+

67.31%

Other Credit

Unpaid Medical Bills

D

63.77%

Used Alternative Borrowing

C

74.66%

Took a Loan from a Retirement Account

C+

77.86%

Delinquency of Unsecured Personal Loans

A

95.55%

Balance of Unsecured Personal Loans as a Percent of Household Income

C+

77.65%

Savings and Spending

Spend less than Income

D+

68.65%

Does not have an emergency fund

C-

71.64%

Unbanked

B-

81.07%

Underbanked

B

85.54%

Saving for Children's College

C+

77.95%

Overdraws checking account occasionally

C

74.93%

Could come up with $2,000 in an emergency

C-

72.12%

Has a household budget

C-

71.78%

Has Taken a Hardship Withdrawal from Retirement Account

C-

71.16%

Retirement Readiness and Other Investing

Access to a Retirement Plan

B

86.88%

Take Up Rate of Retirement Plans

A

95.13%

Tried to Figure Out how much needed for retirement

B-

81.75%

Amount of Income residents will be able to replace in retirement

B

83.33%

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

C

74%

Invests Outside of Retirement Accounts

D

66.69%

Protect and Insure

Percent without Health Insurance

C

75.51%

Average Face Amount of Life Insurance

D+

69.22%

Uninsured Motorists

C+

78.93%