Delinquency rates improved slightly, with the 60-day past due rate declining to 3.37%. Subprime delinquencies dropped from 14.4% to 13.6%. "Lenders are driving growth through refined risk assessment and targeted acquisition strategies, despite ongoing uncertainty from trade policies and federal student loan repayment pressures ," said Josh Turnbull, senior vice president and consumer lending business leader at TransUnion. "Improving delinquency rates among subprime borrowers signals effective risk management and broader economic stability, reinforcing lender confidence in this segment." TransUnion said data points to steady and disciplined credit use even amid economic challenges. Credit card balances and unsecured personal loan balances are growing at a slower pace than in recent years, while delinquency rates are declining.