Oregon - 2016

Final Grade

Financial Knowledge

C+

77.71%

Credit

B-

81.66%

Savings and Spending

B-

80.73%

Retirement Readiness and Other Investing

C

75.81%

Protect and Insure

B+

88.11%

Financial Knowledge

Mean number of correct answers

C+

78.2%

Offered financial education and participated

C

73.98%

Levels of High School Financial Education

C

75%

Credit

General Credit

B+

88.63%

Housing Credit

C

75.99%

Auto Credit

B

85.47%

Credit Card

C-

71.14%

Student Loan

C

74.4%

Other Credit

C

75.83%

General Credit

Vantage Scores

B-

82.86%

On Time Payers

B+

88.96%

Prime Credit

A-

90.56%

Inclusion in Credit Economy

B

83.64%

Revolving Credit

B+

89.19%

Utilization

B

86.48%

Bankruptcy

C+

79.62%

Share Past Due

A-

90.66%

Debt Burden

C-

72.86%

Highest Tier Credit

B+

88.75%

Housing Credit

Loan to Value Ratios

A-

92.7%

Equity Rich

B-

82.43%

Homeownership Rates

C

73.05%

Mortgage Delinquency Rates

A-

91.2%

Foreclosure Rates

B+

89.03%

Have a Mortgage

C-

71.93%

High Cost to Homeowners

D+

69.44%

High Cost to Renters

D-

61.77%

Seriously Underwater Mortgages

A

94.57%

Mortgage balance as a proportion of household income

C

74.6%

Auto Credit

Auto Loan as Portion of Household Income

B-

82.24%

Auto Loan Delinquencies

A+

100%

Percent of Auto Loans

B+

89.44%

Impact of Auto Insurance Premiumes on Credit Scores

C

74.92%

Credit Card

Always Paid Credit Card Bills In Full

D+

67.72%

Carried Balance on Credit Card with Interest Charged

F

59.85%

Made only Minimum Monthly Payments on Credit Card

C-

71.54%

Credit Card Delinquencies

A-

92.69%

Average Credit Card Balance as a Percent of Median Household Income

C

76.23%

Student Loan

Graduates with Student Debt

C

76%

Average Debt Balance

C+

78.28%

Calculated monthly Payments Prior to Borrowing

B-

81.73%

Never Made a Late Payment on your Student Loan

B-

80.31%

Other Credit

Unpaid Medical Bills

C

76.62%

Used Alternative Borrowing

C

73%

Took a Loan from a Retirement Account

C+

77.76%

Delinquency of Unsecured Personal Loans

A-

91.79%

Balance of Unsecured Personal Loans as a Percent of Household Income

B-

81.53%

Savings and Spending

Spend less than Income

D

66.8%

Does not have an emergency fund

C-

72.65%

Unbanked

A-

90.71%

Underbanked

B

86.54%

Saving for Children's College

B-

82.74%

Overdraws checking account occasionally

D

63.61%

Could come up with $2,000 in an emergency

C-

71.62%

Has a household budget

B

84.14%

Has Taken a Hardship Withdrawal from Retirement Account

C-

72.57%

Retirement Readiness and Other Investing

Access to a Retirement Plan

B+

88.75%

Take Up Rate of Retirement Plans

B-

81.94%

Tried to Figure Out how much needed for retirement

B-

82.4%

Amount of Income residents will be able to replace in retirement

B

83.6%

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

B-

81.25%

Invests Outside of Retirement Accounts

D+

68.73%

Protect and Insure

Percent without Health Insurance

B-

81.77%

Average Face Amount of Life Insurance

A-

90.31%

Uninsured Motorists

B+

89.57%