← Benchmarks·RETENTION·PUBLISHED

Net charge-off rate

Name: B2B and B2C SaaS Growth Benchmarks
Creator: AJ Magnuson
License: https://creativecommons.org/licenses/by/4.0/

The make-or-break number for any lending fintech.

Benchmark

As of 2025

ALL

All-bank credit-card NCO ~4.17% (Jul 2025). Subprime/fintech lenders materially higher.

Federal Reserve; CFPB 2025

Sourcing: Published.

Omega Point BenchmarksRetention