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Debt and credit question

Is debt pressure high in North Dakota?

A direct, data-backed answer using aggregated credit stress, delinquency, utilization, and debt-per-borrower signals.

21

/ 100

Debt and credit pressure

Short answer

No. Statewide debt pressure is relatively low.

North Dakota (ND) has a score of 21, compared against other states. The score reflects subprime share, 90+ day delinquency, revolving utilization, and total debt per borrower where available. Coverage: State-backed. This answer uses state-level debt and credit data for North Dakota; city pages may use city, county, metro, or state-backed data depending on source coverage.

Source and freshness

Score versionV3
CoverageState-backed
Latest year2026

CCE 2026 Q2

View data freshness →

Top drivers in this score

  • Total debt per borrower

    $69,305

    Risk pressure percentile: 38

  • Subprime share (score < 620)

    11.6%

    Risk pressure percentile: 19

  • 90+ day delinquency rate

    12.0%

    Risk pressure percentile: 13

How this compares

Relative risk score20.5
Median (states)48.5
Delta vs median-28.0

Approximate percentile: 21 of 100

Coverage and confidence

Scope usedState-backed
Metric coverage4/4
ConfidenceHigh confidence

Most core metrics are available at state level.

Metrics used

Subprime share (score < 620)11.6%
90+ day delinquency rate12.0%
Revolving utilization (75%+)21.8%
Total debt per borrower$69,305

Why it matters

Debt and credit pressure affects financial risk because repayment stress and limited credit access can reduce household flexibility when costs or income shocks rise.

View full debt and credit detail →

Common follow-ups

Is debt pressure high in North Dakota?

North Dakota (ND) has a score of 21, compared against other states. The score reflects subprime share, 90+ day delinquency, revolving utilization, and total debt per borrower where available. Coverage: State-backed. This answer uses state-level debt and credit data for North Dakota; city pages may use city, county, metro, or state-backed data depending on source coverage.

What debt and credit data is used for North Dakota?

FinancialRiskIQ uses aggregated indicators such as subprime share, 90+ day delinquency, revolving utilization, and total debt per borrower. This state answer uses CCE 2026 Q2 (2026).

Does this describe my credit profile?

No. The answer uses aggregated regional data for a location. It does not identify, score, or evaluate any individual borrower.