TransUnion's 15min chart triggers Bollinger Bands Expanding Downward, KDJ Death Cross confirmed.

TransUnion's 15-minute chart has triggered a Bollinger Bands Expanding Downward signal, coupled with a KDJ Death Cross at 08/18/2025 15:15, indicating that the market trend is currently driven by sellers. This suggests a downward momentum in the stock price, which may continue to decrease further.

Title: TransUnion's Q2 2025 Credit Industry Insights Report: Resilience Amid Economic Uncertainty

TransUnion's Q2 2025 Credit Industry Insights Report (CIIR) offers a glimpse into the U.S. consumer credit market, showcasing resilience and disciplined behavior despite a complex economic landscape. The report, released on August 14, 2025, highlights steady credit usage, controlled balance growth, and declining delinquency rates across key lending categories, signaling a stabilizing financial environment for American consumers [1].

Key findings include a notable momentum in the credit card sector, with bankcard originations rebounding after a sharp year-over-year (YoY) decline in Q1 2024. Originations in Q1 2025 rose by 4.5% YoY to 18.5 million, the most significant annual growth since 2022 [1]. This growth was driven by demand across the credit risk spectrum, with super prime borrowers seeing a 5.0% YoY rise and subprime originations surging by 15.2% [1]. Total credit card balances grew by 4.5% YoY to $1.09 trillion, aligning more closely with the 10-year average Q2 balance growth of 5.8% [1].

Delinquency rates also improved, with consumer-level 90+ days past due (DPD) delinquencies dropping to 2.17%, a 9-basis-point YoY decline. This marks the second consecutive quarter of YoY delinquency reductions, reflecting improved consumer credit health and tighter underwriting standards by lenders [1]. Charge-off trends further support this stability, with the number of accounts charged off decreasing by 9% YoY to 4.7 million, despite total charge-off balances remaining steady at just under $17 billion [1].

The unsecured personal loan market also showed robust growth in Q2 2025. Originations in Q1 2025 surged by 18% YoY to 5.4 million accounts, driven by both super prime (up nearly 20% YoY) and subprime (up nearly 23% YoY) borrower segments [1]. Total unsecured loan balances reached a record $257 billion, a 4% YoY increase, primarily fueled by super prime and prime plus borrowers [1]. Delinquency rates remained stable, with the 60+ DPD rate slightly declining from 3.38% in Q2 2024 to 3.37% in Q2 2025, marking the third consecutive quarter of YoY improvement [1].

Jason Laky, executive vice president and head of financial services at TransUnion, noted that the credit card lending market is returning to pre-pandemic patterns, with consumers demonstrating resilience despite ongoing economic uncertainty [1]. Josh Turnbull, senior vice president and consumer lending business leader at TransUnion, added that lenders are driving growth through refined risk assessment and targeted acquisition strategies, with improving delinquency rates among subprime borrowers reflecting broader economic stability and lender confidence [1].

Michele Raneri, vice president and head of U.S. research and consulting at TransUnion, underscored that consumers are increasingly successful at adapting to today’s economic realities, with the continued decline in delinquencies and charge-offs reflecting their flexibility and determination to stay on track [1].

The Q2 2025 CIIR suggests a cautiously optimistic outlook for the U.S. consumer credit market. With credit card and personal loan originations rising, balance growth moderating, and delinquencies declining, consumers are demonstrating resilience. As economic uncertainties persist, the disciplined credit behavior highlighted in the report positions consumers and lenders for continued stability.

References
[1] https://www.crowdfundinsider.com/2025/08/247601-us-consumer-credit-market-exhibiting-signs-of-stability-and-measured-growth-transunion/