Wyoming - 2016

Final Grade

Financial Knowledge

A-

90.77%

Credit

A+

99.46%

Savings and Spending

B+

89.08%

Retirement Readiness and Other Investing

B-

81.27%

Protect and Insure

C+

77.4%

Financial Knowledge

Mean number of correct answers

A-

91.65%

Offered financial education and participated

A-

92.43%

Levels of High School Financial Education

D

65%

Credit

General Credit

B+

87.7%

Housing Credit

A

95.92%

Auto Credit

C

74.03%

Credit Card

B

83.05%

Student Loan

A-

92.11%

Other Credit

B

86.58%

General Credit

Vantage Scores

C+

78.57%

On Time Payers

A-

90.34%

Prime Credit

A

93.29%

Inclusion in Credit Economy

D+

69.5%

Revolving Credit

B+

89.03%

Utilization

B

86.87%

Bankruptcy

A-

91.51%

Share Past Due

A

94.06%

Debt Burden

D-

62.14%

Highest Tier Credit

A-

91.56%

Housing Credit

Loan to Value Ratios

A+

97.57%

Equity Rich

B

85.29%

Homeownership Rates

B+

87.58%

Mortgage Delinquency Rates

A

93.63%

Foreclosure Rates

A+

100%

Have a Mortgage

C-

70.01%

High Cost to Homeowners

B

86.48%

High Cost to Renters

A+

97.34%

Seriously Underwater Mortgages

A+

100%

Mortgage balance as a proportion of household income

A-

90.35%

Auto Credit

Auto Loan as Portion of Household Income

C

74.1%

Auto Loan Delinquencies

B

84.91%

Percent of Auto Loans

D-

60.18%

Impact of Auto Insurance Premiumes on Credit Scores

C+

79.34%

Credit Card

Always Paid Credit Card Bills In Full

C+

77.97%

Carried Balance on Credit Card with Interest Charged

C-

72.96%

Made only Minimum Monthly Payments on Credit Card

B+

88.16%

Credit Card Delinquencies

B+

88.31%

Average Credit Card Balance as a Percent of Median Household Income

B+

87.73%

Student Loan

Graduates with Student Debt

A+

100%

Average Debt Balance

B

85.53%

Calculated monthly Payments Prior to Borrowing

B-

82.45%

Never Made a Late Payment on your Student Loan

B-

81.94%

Other Credit

Unpaid Medical Bills

C

75.04%

Used Alternative Borrowing

B-

81.58%

Took a Loan from a Retirement Account

A

93.24%

Delinquency of Unsecured Personal Loans

A

96.52%

Balance of Unsecured Personal Loans as a Percent of Household Income

B

83.72%

Savings and Spending

Spend less than Income

A-

92.04%

Does not have an emergency fund

B-

80.73%

Unbanked

B

86.79%

Underbanked

C+

77.1%

Saving for Children's College

D

63.49%

Overdraws checking account occasionally

B-

81.95%

Could come up with $2,000 in an emergency

A+

99.01%

Has a household budget

C-

71.09%

Has Taken a Hardship Withdrawal from Retirement Account

B+

88.16%

Retirement Readiness and Other Investing

Access to a Retirement Plan

B

86.88%

Take Up Rate of Retirement Plans

C

76.78%

Tried to Figure Out how much needed for retirement

A-

92.39%

Amount of Income residents will be able to replace in retirement

C

74.91%

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

A

95.25%

Invests Outside of Retirement Accounts

C+

78.73%

Protect and Insure

Percent without Health Insurance

C

75.22%

Average Face Amount of Life Insurance

C

74.38%

Uninsured Motorists

A-

90.18%