TransUnion Insights Unveil Diverging Credit Risk Trends Among US Consumers

Core Insights - The TransUnion Q3 2025 Credit Industry Insights Report reveals a significant divide in consumer credit risk among U.S. consumers, with some showing increased financial resilience while others face growing challenges [1] Consumer Credit Risk Trends - The percentage of individuals classified in the lowest risk super prime credit risk tier has increased from 37.1% in Q3 2019 to 40.9% in Q3 2025 [1] - The total number of super prime borrowers has risen by approximately 16 million since 2019, indicating continued financial stability among top-tier consumers [1] - The subprime segment has returned to pre-pandemic levels after declines in 2020 and 2021, as many consumers paid down debt and reduced delinquencies during the pandemic [1] Lending Market Dynamics - Year-over-year growth in new account originations and total balances has been strongest in the super prime and subprime tiers, significantly outpacing other segments [1] - The divergence in credit behavior highlights evolving consumer dynamics and the need for tailored risk strategies across the credit spectrum [1] Strategic Recommendations - Lenders are advised to leverage advanced tools, such as access to trended data, to better assess evolving risk profiles as consumer behavior shifts toward extremes in the credit risk spectrum [1]