Quarterly UpdatesAug 6, 2026, 06:51 AM
TransUnion Q2 2026 Credit Report: Credit Access Expands, Balances Grow
AI Summary
TransUnion's Q2 2026 Credit Industry Insights Report indicates continued expansion in consumer credit access, with total outstanding balances growing +2.8% YoY to $18.6 Trillion and 261.7 million consumers carrying a balance. While balance-level delinquency rates remained relatively flat, borrower-level delinquencies increased in credit cards, personal loans, and mortgages, reflecting ongoing affordability pressures. Lenders are managing risk through strategies like smaller credit lines, allowing for broader credit participation while maintaining underwriting discipline across various loan products.
Key Highlights
- Total outstanding balances grew +2.8% YoY to $18.6 Trillion.
- 261.7 million consumers carried a credit balance, up +2.4% YoY.
- Balance-level delinquency rates were relatively flat at 1.98% in Q2 2026.
- Bankcard originations rose +11.8% YoY to 20.6 million; total balances +4.4% YoY to $1.14 Trillion.
- Unsecured personal loan balances reached a record $281 billion, up +9.6% YoY.
- Mortgage originations increased +26.0% YoY to 1.24 million in Q1 2026.
- Auto loan originations grew +1.3% YoY to 6.4 million in Q1 2026.
- Consumer-level mortgage delinquency (60+ DPD) reached 1.56%, up 29 bps YoY.
Price Impact
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