Wisconsin - 2016

Final Grade

Financial Knowledge

C-

70.9%

Credit

A

93.32%

Savings and Spending

A-

91.58%

Retirement Readiness and Other Investing

C+

77.2%

Protect and Insure

C+

79.5%

Financial Knowledge

Mean number of correct answers

B

84.23%

Offered financial education and participated

D

63.48%

Levels of High School Financial Education

F

55%

Credit

General Credit

A

93.18%

Housing Credit

B-

81.44%

Auto Credit

B

84.15%

Credit Card

B+

89.45%

Student Loan

C

75.69%

Other Credit

B+

88.39%

General Credit

Vantage Scores

A-

90.71%

On Time Payers

A

95.58%

Prime Credit

A+

99.82%

Inclusion in Credit Economy

C+

78.06%

Revolving Credit

A-

90.94%

Utilization

A

93.24%

Bankruptcy

C

74.53%

Share Past Due

A

93.21%

Debt Burden

C

75.71%

Highest Tier Credit

A

94.38%

Housing Credit

Loan to Value Ratios

C

75.68%

Equity Rich

C-

70.52%

Homeownership Rates

B

86.87%

Mortgage Delinquency Rates

A

95.67%

Foreclosure Rates

A

93.51%

Have a Mortgage

D+

68.68%

High Cost to Homeowners

C+

78.52%

High Cost to Renters

B-

80.4%

Seriously Underwater Mortgages

B

84.13%

Mortgage balance as a proportion of household income

A

96.14%

Auto Credit

Auto Loan as Portion of Household Income

B+

88.75%

Auto Loan Delinquencies

A-

92.46%

Percent of Auto Loans

C+

78.15%

Impact of Auto Insurance Premiumes on Credit Scores

C

76.39%

Credit Card

Always Paid Credit Card Bills In Full

C+

78.84%

Carried Balance on Credit Card with Interest Charged

B

83.03%

Made only Minimum Monthly Payments on Credit Card

B+

87.88%

Credit Card Delinquencies

A+

100%

Average Credit Card Balance as a Percent of Median Household Income

A-

90.71%

Student Loan

Graduates with Student Debt

D

64%

Average Debt Balance

C-

70.11%

Calculated monthly Payments Prior to Borrowing

A-

90.73%

Never Made a Late Payment on your Student Loan

A

93.91%

Other Credit

Unpaid Medical Bills

C

73.35%

Used Alternative Borrowing

A+

99.01%

Took a Loan from a Retirement Account

B-

82.06%

Delinquency of Unsecured Personal Loans

B-

82.61%

Balance of Unsecured Personal Loans as a Percent of Household Income

A+

98.02%

Savings and Spending

Spend less than Income

B

85.72%

Does not have an emergency fund

C

76.11%

Unbanked

B+

89.64%

Underbanked

A+

100%

Saving for Children's College

B

85.92%

Overdraws checking account occasionally

B+

88.16%

Could come up with $2,000 in an emergency

C-

72.39%

Has a household budget

D+

69.82%

Has Taken a Hardship Withdrawal from Retirement Account

B+

87.25%

Retirement Readiness and Other Investing

Access to a Retirement Plan

A+

100%

Take Up Rate of Retirement Plans

B

85.38%

Tried to Figure Out how much needed for retirement

C

76%

Amount of Income residents will be able to replace in retirement

D+

68.9%

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

B

84.5%

Invests Outside of Retirement Accounts

C

76.53%

Protect and Insure

Percent without Health Insurance

B+

88.61%

Average Face Amount of Life Insurance

C-

71.41%

Uninsured Motorists

B

84.05%