Younger consumers continue to have lower debt levels.
Borrowers under the age of 30 have the lowest mortgage delinquency rate of all borrowers.
More than half respondents say auto loans present the best opportunity for growth. Credit executives say regulatory burden is their biggest growth challenge.
Credit bureau also noted that auto loans are consumers' top payment priority in good times and bad.
Credit bureau finds homeowners who receive mortgage modifications more faithful on other loans even if they later default on the mortgage.
The national auto loan delinquency rate has reached its lowest level since TransUnion began tracking the data in 1999.
The rate of homeowners behind on their mortgage has dropped to its lowest level in more than three years, according to TransUnion.
TransUnion, one of the three nationwide credit reporting bureaus, has forecast that the U.S. economy will stop adding many more mortgages to the delinquency pool in 2012 and will instead begin to work through the existing housing stock.
Credit reporting bureau says economy will allow existing housing stock to begin to sell.
Credit union executives planning credit card marketing and issuing strategies for 2012 and 2013 may want to factor a new study from TransUnion into their deliberations.