We are excited to share our Q2 2026 Credit Risk Quarterly!
This quarter’s data paints a more positive, though not outright optimistic, picture. Delinquencies remain elevated but broadly stable, and some of the watchpoints we flagged last quarter, including 2025 credit card vintages and auto loans, remain elevated but have stabilized. The consumer continues to hold up, but with savings still low and several pockets of risk remaining, the margin for error looks thin.
If you have questions on the report or would like to discuss recent industry trends, please reach out to any of our authors: Scott Baron, Walker Flythe, Glenn Bohlman, Zoe Svec, or Hayden King.