← Benchmarks·RETENTION·PUBLISHED

Delinquency rate (30+/90+ DPD)

Leading indicator ahead of charge-offs.

Formula
Balances past due / total balances
Unit
%
Models
Fintech
Benchmark
As of 2025
ALLFed/CFPB publish quarterly bands by segment.Federal Reserve; CFPB
Sourcing: Published.
Omega Point BenchmarksRetention