Credit Access Expands as Lenders Pair Growth with More Strategic Risk Management
TransUnion published its Q3 2026 Credit Industry Insights Report, finding that consumer credit balances grew roughly 3% YoY while lenders expanded lending to below-prime borrowers. Despite the shift toward riskier borrowers, balance-level delinquencies declined — credit card 90+ DPD fell to 1.99% and UPL 60+ DPD to 1.95% — as lenders used lower credit lines and smaller loan amounts to manage exposure.
Key figures
- Upl balances
- $293.4 billion
- Auto balances
- $1.65 trillion
- Upl originations
- 8.41 million
- Bankcard balances
- $1.16 trillion
- Credit active consumers
- 263 million
- Total balance growth yoy
- 3%
- Auto originations q2 2026
- 6.8 million
- Mortgage originations yoy
- 12.8%
- Bankcard originations q2 2026
- 22.4 million
AI analysis
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AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.