Credit Risk Trends Diverging Among U.S. Consumers

TransUnion's Q3 2025 Credit Industry Insights Report reveals a growing divide among U.S. consumers in credit risk trends, with a steady increase in the percentage of individuals classified in the lowest risk super prime tier and a return to pre-pandemic levels in the subprime segment. The report highlights the importance of tailored risk strategies across the credit spectrum, as the movement toward super prime and subprime tiers is reflected in recent activity across the credit card and auto lending markets.