City risk detail
Debt and credit pressure in Rochester, NH
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
31
/ 100
Risk metrics
- Subprime share (score < 620)8.6%
- 90+ day delinquency rate11.0%
- Revolving utilization (75%+)18.7%
- Total debt per borrower$108,028
Data status: Available
Scope: Metro baseline | Source: CCE 2025 Q1 | 2025
Top drivers in this score
Total debt per borrower
$108,028
Risk pressure percentile: 95
90+ day delinquency rate
11.0%
Risk pressure percentile: 12
Subprime share (score < 620)
8.6%
Risk pressure percentile: 11
How this compares
Approximate percentile: 31 of 100
Coverage and confidence
City-level metrics were incomplete, so this score uses a nearby regional baseline.
Why it matters
In Rochester, 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.