New Hampshire - 2016

Final Grade

Financial Knowledge

A-

90.08%

Credit

A

93.19%

Savings and Spending

A+

97.63%

Retirement Readiness and Other Investing

C

76.9%

Protect and Insure

B-

81.16%

Financial Knowledge

Mean number of correct answers

B+

88.87%

Offered financial education and participated

C

76.11%

Levels of High School Financial Education

B

85%

Credit

General Credit

A

94.97%

Housing Credit

B

84.77%

Auto Credit

B+

88.7%

Credit Card

A-

91.2%

Student Loan

F

55.08%

Other Credit

A

96.49%

General Credit

Vantage Scores

A

93.57%

On Time Payers

B

85.92%

Prime Credit

A

95.28%

Inclusion in Credit Economy

A+

100%

Revolving Credit

A

93.16%

Utilization

B+

88.22%

Bankruptcy

B+

89.81%

Share Past Due

B

86.42%

Debt Burden

B-

80.71%

Highest Tier Credit

B

85.94%

Housing Credit

Loan to Value Ratios

B

84.19%

Equity Rich

C

74.94%

Homeownership Rates

A

95.31%

Mortgage Delinquency Rates

A-

91.59%

Foreclosure Rates

A

95.39%

Have a Mortgage

C

74.06%

High Cost to Homeowners

C-

70%

High Cost to Renters

C

75.56%

Seriously Underwater Mortgages

A-

91.52%

Mortgage balance as a proportion of household income

A

95.54%

Auto Credit

Auto Loan as Portion of Household Income

A

96%

Auto Loan Delinquencies

A+

97.04%

Percent of Auto Loans

F

58.04%

Impact of Auto Insurance Premiumes on Credit Scores

B-

82.66%

Credit Card

Always Paid Credit Card Bills In Full

B

84.15%

Carried Balance on Credit Card with Interest Charged

C+

77.93%

Made only Minimum Monthly Payments on Credit Card

A+

100%

Credit Card Delinquencies

A-

91.53%

Average Credit Card Balance as a Percent of Median Household Income

A

93.81%

Student Loan

Graduates with Student Debt

F

55%

Average Debt Balance

F

56.2%

Calculated monthly Payments Prior to Borrowing

C+

78%

Never Made a Late Payment on your Student Loan

A-

90.49%

Other Credit

Unpaid Medical Bills

C

75.19%

Used Alternative Borrowing

A

95.18%

Took a Loan from a Retirement Account

A

95.45%

Delinquency of Unsecured Personal Loans

A+

99.51%

Balance of Unsecured Personal Loans as a Percent of Household Income

A-

91.86%

Savings and Spending

Spend less than Income

C

74.21%

Does not have an emergency fund

A-

91.78%

Unbanked

A

96.43%

Underbanked

A-

92.97%

Saving for Children's College

B

83.98%

Overdraws checking account occasionally

A

95.41%

Could come up with $2,000 in an emergency

B+

87.71%

Has a household budget

C

73.03%

Has Taken a Hardship Withdrawal from Retirement Account

A

94.93%

Retirement Readiness and Other Investing

Access to a Retirement Plan

A-

92.5%

Take Up Rate of Retirement Plans

B+

87.68%

Tried to Figure Out how much needed for retirement

B

83.52%

Amount of Income residents will be able to replace in retirement

D

66.3%

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

B

83.75%

Invests Outside of Retirement Accounts

C

76.57%

Protect and Insure

Percent without Health Insurance

B

83.2%

Average Face Amount of Life Insurance

C

75.31%

Uninsured Motorists

B+

88.95%