Credit unions in some parts of the country may be seeing thenumbers of their credit card holders 60 days late on their paymentssignificantly decline while in other areas the numbers of borrowers60 days late with mortgage payments increase significantly.

Experian, one of the three national credit bureaus reportedthat, nationwide, 20% fewer consumers are 60 days late on theircredit card payment than in 2007 but that 25% more home owners are60 days late in their mortgage payments than in 2007.

“In looking at the numbers, we're seeing that even in thecities at the bottom of the list, consumers are meeting theirbankcard payment obligations better than before the recession,”said Michele Raneri, an Experian vice president of analytics.

“While the Experian data show an overall improvement to these60-day delinquencies, as much as a 30% improvement is seen in thekey Texas cities, which is a positive sign in what has been a sloweconomic recovery,” Raneri said.

The metropolitan areas that the credit bureau reported led theway in improved credit card delinquencies were Cleveland, SanAntonio, Cincinnati, Texas; Cincinnati, Dallas and Houston.

Metropolitan areas where the numbers of missed mortgage paymentsincreased the most include Portland, Ore., Phoenix, Baltimore,Seattle, New York and Washington, D.C.