City risk detail
Debt and credit pressure in North Rock Springs, WY
Debt and credit pressure tracks how leveraged households are and how often credit stress shows up. Higher subprime share, delinquency, and revolving utilization indicate tighter credit access and greater reliance on borrowing.
Risk score
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no data
Risk metrics
City-level data is not available; showing the state baseline.
- Subprime share (score < 620)10.4%
- 90+ day delinquency rate12.9%
- Revolving utilization (75%+)24.5%
- Total debt per borrower$76,124
Data status: Available
Scope: State baseline | Source: CCE 2025 Q1 | 2025
Coverage: State only
Top drivers in this score
Driver-level attribution is still filling for this location. Current model coverage includes 4 of 4 metrics.
Scope fallback: State baseline (baseline confidence confidence).
How this compares
Location-specific comparison metrics are still being assembled for this profile.
A stable cohort median is not yet published for states.
Coverage and confidence
City-level metrics were unavailable, so this score falls back to state baseline data.
Why it matters
In North Rock Springs, High credit pressure often aligns with more late payments, higher borrowing costs, and limited access to affordable credit.
What we measure
- Subprime share
- 90+ day delinquency rate
- Revolving utilization
- Total debt per borrower
Key sources
- Philadelphia Fed Consumer Credit Explorer (Equifax CCP)
Compare this risk across nearby cities
Common questions
Is this based on individual credit scores?
No. The data is aggregated and anonymous. It does not identify or track any individual.
Why focus on delinquency and utilization?
They are early indicators of repayment stress and heavy reliance on revolving credit.
What is subprime share?
The percentage of borrowers in a location with a credit score below 620.
Related risks
City overview →Household financial stress
Household financial stress reflects how close households are to the edge. It blends income, poverty exposure, housing cost burden, and safety-net reliance to show where families have less cushion for unexpected bills.
Cost of living exposure
Cost of living exposure focuses on housing costs relative to income. Rising rents, higher monthly housing costs, and elevated rent-to-income ratios can squeeze budgets even when incomes rise.
Legal and collection risk
Legal and collection risk uses civil court filings per capita and caseload trends to capture the legal environment. Higher civil filing rates can signal more collection activity and a more intense enforcement climate.