We’re excited to share our Credit Risk insights from Q1 2025!
We’ve never seen such a wide gap between recent delinquency data and forward-looking lender sentiment. Card delinquencies decreased slightly without any real tightening and Personal Loan delinquencies remained relatively stable. However, consumer sentiment metrics approached all time lows and, in conversation, consumer lender sentiment trended similarly.
This quarter we took a closer look at Student Loans as bureau reporting for delinquent federal borrowers finally resumed. Past due rates skyrocketed and our team continues to monitor the evolving situation for potential impacts to other assets.
Please reach out to any of our authors: Scott Barton, Walker Flythe, Harry Shi, Johnny Antoun, or Mikhal Ben-Joseph if you have any questions or want to discuss the latest industry trends.