Every person carrying a finance instalment due between 2026-09-19 and 2026-09-26,
sorted into three buckets by how they have paid every recurring charge we have ever attempted.
Built 2026-09-19 08:00 UTC from
2,637 instalments in due.csv and
18,373 recurring charge attempts going back to 2023-06-01.
The rule, exactly. Each person's bucket comes from their own complete record of recurring charge attempts — every COMPLETED or FAILED charge at a city's Recurring location from 2023-06-01 to 2026-09-18, not just this year. Never paid anything = not one successful charge, ever (which includes people we have never charged at all). Pay all the time = a success rate of 80% or better. Pay intermittently = everything in between. 80% is a chosen line, not a measured one — the two tables under Is the line arbitrary? show how many people sit either side of it and what moving it would do. Only 109 of the 1,815 people who have ever paid sit within five points of the cut, so the split is not balanced on a knife edge.
The whole population first, so the grid below has something to sit against. Past success rate is that bucket's own paid-over-attempted across every recurring charge, which is why the top row reads 0.0% by construction.
| Payer type | People | Instalments due | Due this week | Already past due | Past success rate |
|---|---|---|---|---|---|
| Never paid anything | 816 31.0% | 818 | $166,585 | $599,408 | 0.0% |
| Pay intermittently | 1,145 43.5% | 1,148 | $210,380 | $1,022,776 | 37.8% |
| Pay all the time | 670 25.5% | 671 | $128,373 | $106,620 | 95.9% |
This is the table Neil asked for. A BIN identifies the issuer, not the cardholder. Early access is the sponsor-bank cluster behind Cash App, Chime, Current, Varo, Dave, SoFi and MoneyLion — the population that can be paid wages early, not a proven list of people who are. The % in the People column is that bucket's share of its own issuer class, so each block of three reads down to 100%. /decline-trends measured early-access cards declining at 86.6% against 54.0% for traditional banks; this is the same gap seen per person rather than per charge.
| Card issued by | Payer type | People | Instalments due | Due this week | Already past due | Past success rate |
|---|---|---|---|---|---|---|
| Early-access neobank | Never paid anything | 248 49.7% | 250 | $45,370 | $211,814 | 0.0% |
| Early-access neobank | Pay intermittently | 216 43.3% | 216 | $34,920 | $193,203 | 29.4% |
| Early-access neobank | Pay all the time | 35 7.0% | 35 | $5,460 | $3,557 | 93.5% |
| Early-access neobank | all three buckets | 499 19.0% | 501 | $85,751 | $408,573 | 21.6% |
| Traditional bank / credit union | Never paid anything | 452 22.5% | 452 | $97,904 | $356,454 | 0.0% |
| Traditional bank / credit union | Pay intermittently | 927 46.1% | 930 | $174,924 | $827,033 | 39.8% |
| Traditional bank / credit union | Pay all the time | 633 31.5% | 634 | $122,653 | $101,983 | 96.0% |
| Traditional bank / credit union | all three buckets | 2,012 76.5% | 2,016 | $395,481 | $1,285,470 | 48.0% |
| No card on file yet | Never paid anything | 116 96.7% | 116 | $23,311 | $31,140 | 0.0% |
| No card on file yet | Pay intermittently | 2 1.7% | 2 | $535 | $2,540 | 46.4% |
| No card on file yet | Pay all the time | 2 1.7% | 2 | $260 | $1,080 | 100.0% |
| No card on file yet | all three buckets | 120 4.6% | 120 | $24,106 | $34,760 | 48.6% |
What the grid says. On an early-access card, 248 of 499 (49.7%) have never had a single recurring charge go through, and only 35 (7.0%) pay all the time. On a traditional bank card it is 452 (22.5%) never and 633 (31.5%) always. An early-access cardholder is 2.2× as likely to have never paid and 4.5× less likely to be a reliable payer. The early-access cohort is 499 people — big enough to be confident about a gap this wide, and the 35-person "pay all the time" cell is the only one small enough to move much week to week.
Two very different people share that bucket and the difference decides what you do about them. One has a live agreement we have simply never charged yet. The other has been charged and has never once gone through.
| Who they are | People | Due this week | Already past due | Recurring attempts made |
|---|---|---|---|---|
| Charged before, never once succeeded | 535 20.3% | $110,664 | $522,863 | 2,892 |
| No recurring charge attempt on record at all | 281 10.7% | $55,921 | $76,545 | 0 |
And the 281 with no recurring record are not all new. 184 of them (65.5%) have been charged — just at a studio, deposit or office location, which this report deliberately excludes because Neil's rule is that only recurring charges count. Between them they have 276 non-recurring attempts of which 228 succeeded. Only 97 people have no charge of any kind anywhere in the feeds. Read the top bucket as “never paid on the finance plan”, not “never gave us money”.
Prepaid beats debit or credit where a card is both — a prepaid debit card behaves like prepaid. Each row reads across to 100%.
| card type | People | Never paid anything | Pay intermittently | Pay all the time | Due this week | Past success rate |
|---|---|---|---|---|---|---|
| Prepaid | 252 | 138 54.8% | 96 38.1% | 18 7.1% | $42,589 | 20.0% |
| DEBIT | 1,706 | 437 25.6% | 849 49.8% | 420 24.6% | $326,433 | 41.9% |
| CREDIT | 553 | 125 22.6% | 198 35.8% | 230 41.6% | $112,210 | 56.8% |
| No card on file yet | 120 | 116 96.7% | 2 1.7% | 2 1.7% | $24,106 | 48.6% |
Where the reliable payers actually are. Each row reads across to 100%.
| city | People | Never paid anything | Pay intermittently | Pay all the time | Due this week | Past success rate |
|---|---|---|---|---|---|---|
| Texas | 769 | 257 33.4% | 333 43.3% | 179 23.3% | $151,701 | 40.6% |
| New York | 536 | 147 27.4% | 255 47.6% | 134 25.0% | $96,949 | 40.4% |
| Florida | 482 | 164 34.0% | 181 37.6% | 137 28.4% | $102,728 | 45.5% |
| Nashville | 314 | 86 27.4% | 157 50.0% | 71 22.6% | $53,230 | 41.6% |
| Boston | 286 | 76 26.6% | 126 44.1% | 84 29.4% | $54,138 | 45.7% |
| Chicago | 244 | 86 35.2% | 93 38.1% | 65 26.6% | $46,592 | 49.5% |
Ranked by how many of this week's people bank there. The long tail is in the CSV.
| issuing bank | People | Never paid anything | Pay intermittently | Pay all the time | Due this week | Past success rate |
|---|---|---|---|---|---|---|
| BANK OF AMERICA | 250 | 61 24.4% | 128 51.2% | 61 24.4% | $47,530 | 45.9% |
| JPMORGAN CHASE BANK N.A. - DEBIT | 229 | 39 17.0% | 100 43.7% | 90 39.3% | $45,399 | 54.7% |
| SUTTON BANK | 212 | 123 58.0% | 80 37.7% | 9 4.2% | $36,508 | 18.2% |
| WELLS FARGO BANK | 139 | 27 19.4% | 68 48.9% | 44 31.7% | $28,157 | 50.5% |
| DISCOVER ISSUER | 121 | 32 26.4% | 58 47.9% | 31 25.6% | $22,826 | 46.6% |
| CAPITAL ONE | 113 | 22 19.5% | 49 43.4% | 42 37.2% | $23,212 | 50.0% |
| NAVY FEDERAL CREDIT UNION | 92 | 33 35.9% | 41 44.6% | 18 19.6% | $20,404 | 33.9% |
| THE BANCORP BANK | 81 | 33 40.7% | 41 50.6% | 7 8.6% | $13,247 | 21.9% |
| STRIDE BANK | 68 | 27 39.7% | 36 52.9% | 5 7.4% | $11,026 | 26.7% |
| TD BANK | 57 | 9 15.8% | 33 57.9% | 15 26.3% | $10,163 | 47.7% |
| JPMORGAN CHASE BANK N.A. | 55 | 6 10.9% | 14 25.5% | 35 63.6% | $11,315 | 75.9% |
| PNC BANK | 43 | 9 20.9% | 18 41.9% | 16 37.2% | $8,180 | 51.6% |
| AMERICAN EXPRESS US CONSUMER | 42 | 8 19.0% | 10 23.8% | 24 57.1% | $10,256 | 70.3% |
| BANK OF AMERICA - CONSUMER CREDIT | 36 | 7 19.4% | 11 30.6% | 18 50.0% | $7,040 | 61.6% |
| THE BANCORP BANK NATIONAL ASSOCIATION | 30 | 13 43.3% | 13 43.3% | 4 13.3% | $6,268 | 21.3% |
| CITIBANK N.A. | 27 | 5 18.5% | 10 37.0% | 12 44.4% | $5,612 | 56.2% |
| GREEN DOT BANK DBA BONNEVILLE BANK | 27 | 19 70.4% | 8 29.6% | 0 0.0% | $5,158 | 8.3% |
| TRUIST BANK | 27 | 6 22.2% | 13 48.1% | 8 29.6% | $5,868 | 50.0% |
| USAA FEDERAL SAVINGS BANK | 26 | 2 7.7% | 16 61.5% | 8 30.8% | $4,400 | 35.4% |
| REGIONS BANK | 25 | 4 16.0% | 13 52.0% | 8 32.0% | $4,056 | 52.1% |
| FIFTH THIRD BANK | 24 | 9 37.5% | 11 45.8% | 4 16.7% | $4,503 | 48.1% |
| U.S. BANK NATIONAL ASSOCIATION | 23 | 10 43.5% | 8 34.8% | 5 21.7% | $4,488 | 46.0% |
| SOFI BANK | 23 | 7 30.4% | 13 56.5% | 3 13.0% | $4,213 | 35.3% |
| FIRST NATIONAL BANK TEXAS | 22 | 7 31.8% | 11 50.0% | 4 18.2% | $4,223 | 29.7% |
| CITIZENS BANK | 22 | 2 9.1% | 13 59.1% | 7 31.8% | $3,070 | 50.2% |
| SANTANDER BANK | 15 | 4 26.7% | 8 53.3% | 3 20.0% | $3,048 | 30.0% |
| CREDIT ONE BANK | 15 | 7 46.7% | 7 46.7% | 1 6.7% | $3,121 | 39.2% |
| EVOLVE BANK & TRUST | 15 | 6 40.0% | 6 40.0% | 3 20.0% | $2,609 | 28.3% |
| GOLDMAN SACHS BANK USA | 13 | 0 0.0% | 4 30.8% | 9 69.2% | $2,887 | 73.3% |
| RANDOLPH BROOKS FEDERAL CREDIT UNION | 12 | 2 16.7% | 6 50.0% | 4 33.3% | $2,310 | 67.2% |
| DISCOVER BANK | 12 | 1 8.3% | 6 50.0% | 5 41.7% | $1,971 | 53.2% |
| FISERV SOLUTIONS | 12 | 2 16.7% | 7 58.3% | 3 25.0% | $1,469 | 37.4% |
| M&T BANK | 11 | 3 27.3% | 6 54.5% | 2 18.2% | $1,954 | 24.5% |
| PATHWARD | 11 | 4 36.4% | 6 54.5% | 1 9.1% | $1,498 | 32.6% |
| U.S. BANK NATIONAL ASSOCIATION-CREDIT | 11 | 0 0.0% | 6 54.5% | 5 45.5% | $2,032 | 51.7% |
| MUNICIPAL CREDIT UNION | 10 | 1 10.0% | 9 90.0% | 0 0.0% | $1,607 | 28.0% |
| DIGITAL FEDERAL CREDIT UNION | 10 | 7 70.0% | 2 20.0% | 1 10.0% | $1,571 | 20.6% |
| ELEVATIONS CREDIT UNION | 9 | 4 44.4% | 3 33.3% | 2 22.2% | $1,902 | 18.8% |
| BARCLAYS BANK DELAWARE | 9 | 1 11.1% | 2 22.2% | 6 66.7% | $1,819 | 60.9% |
| JACK HENRY & ASSOCIATES | 8 | 3 37.5% | 1 12.5% | 4 50.0% | $4,117 | 50.0% |
| WEBBANK | 8 | 3 37.5% | 2 25.0% | 3 37.5% | $1,865 | 68.8% |
| SYNCHRONY BANK | 8 | 3 37.5% | 2 25.0% | 3 37.5% | $1,617 | 66.7% |
| VARO BANK | 8 | 4 50.0% | 3 37.5% | 1 12.5% | $1,174 | 23.5% |
| WOODFOREST NATIONAL BANK | 7 | 2 28.6% | 4 57.1% | 1 14.3% | $1,778 | 32.8% |
| HUNTINGTON NATIONAL BANK | 7 | 1 14.3% | 3 42.9% | 3 42.9% | $1,342 | 41.2% |
| COASTAL COMMUNITY BANK | 7 | 4 57.1% | 2 28.6% | 1 14.3% | $1,196 | 25.0% |
| FIRST HORIZON BANK | 7 | 1 14.3% | 4 57.1% | 2 28.6% | $1,088 | 50.9% |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | 7 | 3 42.9% | 3 42.9% | 1 14.3% | $944 | 14.6% |
| KEYBANK NATIONAL ASSOCIATION | 7 | 1 14.3% | 6 85.7% | 0 0.0% | $1,157 | 22.4% |
| CELTIC BANK | 6 | 4 66.7% | 2 33.3% | 0 0.0% | $1,433 | 21.1% |
| CHASE BANK USA | 6 | 1 16.7% | 0 0.0% | 5 83.3% | $1,316 | 100.0% |
| SUNCOAST CREDIT UNION | 6 | 2 33.3% | 2 33.3% | 2 33.3% | $1,166 | 63.5% |
| AMOCO FEDERAL CREDIT UNION | 5 | 1 20.0% | 2 40.0% | 2 40.0% | $923 | 37.9% |
| EASTERN BANK | 5 | 3 60.0% | 0 0.0% | 2 40.0% | $1,003 | 29.4% |
| VYSTAR CREDIT UNION | 5 | 0 0.0% | 2 40.0% | 3 60.0% | $842 | 66.7% |
| REPUBLIC BANK & TRUST COMPANY | 5 | 2 40.0% | 1 20.0% | 2 40.0% | $648 | 27.3% |
| ROCKLAND TRUST COMPANY | 4 | 0 0.0% | 4 100.0% | 0 0.0% | $1,374 | 29.3% |
| FIRST UNITED BANK AND TRUST COMPANY | 4 | 0 0.0% | 2 50.0% | 2 50.0% | $1,125 | 76.5% |
| MERRICK BANK CORPORATION | 4 | 1 25.0% | 2 50.0% | 1 25.0% | $820 | 42.9% |
| CITIBANK | 4 | 0 0.0% | 1 25.0% | 3 75.0% | $1,066 | 94.1% |
| SPACE COAST CREDIT UNION | 4 | 1 25.0% | 2 50.0% | 1 25.0% | $966 | 50.0% |
| CROSS RIVER BANK | 4 | 2 50.0% | 1 25.0% | 1 25.0% | $656 | 59.1% |
| MVB BANK | 4 | 3 75.0% | 1 25.0% | 0 0.0% | $688 | 8.6% |
| TRUIST BANK - CREDIT | 4 | 1 25.0% | 0 0.0% | 3 75.0% | $773 | 73.1% |
| FIDELITY INFORMATION SERVICES | 4 | 1 25.0% | 1 25.0% | 2 50.0% | $898 | 21.7% |
| USF FEDERAL CREDIT UNION | 4 | 0 0.0% | 3 75.0% | 1 25.0% | $505 | 28.1% |
| TTCU FEDERAL CREDIT UNION | 4 | 2 50.0% | 1 25.0% | 1 25.0% | $674 | 33.3% |
| FORT WORTH COMMUNITY CREDIT UNION | 4 | 1 25.0% | 1 25.0% | 2 50.0% | $537 | 58.3% |
| BMO BANK NATIONAL ASSOCIATION | 4 | 1 25.0% | 2 50.0% | 1 25.0% | $652 | 50.0% |
| BANCO CANARIAS DE VENEZUELA | 4 | 1 25.0% | 3 75.0% | 0 0.0% | $512 | 55.3% |
| GREEN DOT BANK | 4 | 3 75.0% | 1 25.0% | 0 0.0% | $445 | 5.0% |
| COMERICA BANK | 4 | 1 25.0% | 2 50.0% | 1 25.0% | $322 | 50.0% |
| CREDIT UNION OF TEXAS | 3 | 1 33.3% | 1 33.3% | 1 33.3% | $863 | 31.0% |
| AMERICAN AIRLINES FEDERAL CREDIT UNION | 3 | 1 33.3% | 1 33.3% | 1 33.3% | $469 | 54.3% |
| NFCU | 3 | 1 33.3% | 2 66.7% | 0 0.0% | $740 | 33.3% |
| VIRGINIA NATIONAL BANK | 3 | 2 66.7% | 0 0.0% | 1 33.3% | $804 | 100.0% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 3 | 0 0.0% | 1 33.3% | 2 66.7% | $627 | 30.8% |
| WEBSTER BANK | 3 | 0 0.0% | 2 66.7% | 1 33.3% | $752 | 77.8% |
| UNIVERSITY FEDERAL CREDIT UNION | 3 | 1 33.3% | 2 66.7% | 0 0.0% | $560 | 25.0% |
| FROST BANK | 3 | 0 0.0% | 3 100.0% | 0 0.0% | $887 | 44.0% |
| EECU | 3 | 1 33.3% | 1 33.3% | 1 33.3% | $671 | 58.8% |
| PSCU INCORPORATED | 3 | 1 33.3% | 1 33.3% | 1 33.3% | $448 | 54.5% |
| SUNRISE BANKS | 3 | 1 33.3% | 1 33.3% | 1 33.3% | $580 | 50.0% |
| DATCU | 3 | 0 0.0% | 3 100.0% | 0 0.0% | $740 | 30.8% |
| BANK OF MISSOURI | 3 | 1 33.3% | 1 33.3% | 1 33.3% | $656 | 57.1% |
| UNITED BANK | 3 | 1 33.3% | 1 33.3% | 1 33.3% | $428 | 44.9% |
| NEIGHBORHOOD CREDIT UNION | 3 | 0 0.0% | 2 66.7% | 1 33.3% | $350 | 70.0% |
| FLORIDA CREDIT UNION | 3 | 1 33.3% | 2 66.7% | 0 0.0% | $392 | 57.1% |
| LAKE FOREST BANK & TRUST COMPANY | 3 | 1 33.3% | 2 66.7% | 0 0.0% | $425 | 32.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 3 | 0 0.0% | 2 66.7% | 1 33.3% | $211 | 62.9% |
| HARBORONE BANK | 2 | 1 50.0% | 1 50.0% | 0 0.0% | $1,037 | 17.6% |
| COMENITY CAPITAL BANK | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $840 | 72.7% |
| CAIXABANK | 2 | 1 50.0% | 1 50.0% | 0 0.0% | $468 | 42.9% |
| BROADVIEW FEDERAL CREDIT UNION | 2 | 1 50.0% | 1 50.0% | 0 0.0% | $570 | 66.7% |
| REDSTONE FEDERAL CREDIT UNION | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $425 | 43.8% |
| ARMED FORCES BANK | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $462 | 60.0% |
| TEXAS DOW EMPLOYEES CREDIT UNION | 2 | 1 50.0% | 0 0.0% | 1 50.0% | $592 | 85.7% |
| J.S.C. FEDERAL CREDIT UNION | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $346 | 60.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | 0 0.0% | 0 0.0% | 2 100.0% | $592 | 100.0% |
| TEACHERS FEDERAL CREDIT UNION | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $426 | 70.0% |
| BEACON CREDIT UNION | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $396 | 15.4% |
| FIRST FINANCIAL BANKSHARES | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $592 | 46.2% |
| USAA FEDERAL SAVINGS BANK - CREDIT | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $542 | 23.5% |
| DELTA COMMUNITY CREDIT UNION | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $508 | 55.0% |
| PARTNERS FEDERAL CREDIT UNION | 2 | 1 50.0% | 0 0.0% | 1 50.0% | $442 | 55.6% |
| CELTIC BANK CORPORATION | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $591 | 10.5% |
| HORIZON BANK | 2 | 1 50.0% | 1 50.0% | 0 0.0% | $381 | 57.1% |
| GULF COAST EDUCATORS FEDERAL CREDIT UNION | 2 | 1 50.0% | 0 0.0% | 1 50.0% | $383 | 75.0% |
| BANCO POPULAR DE PUERTO RICO | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $524 | 30.0% |
| KASIKORNBANK PUBLIC COMPANY | 2 | 1 50.0% | 1 50.0% | 0 0.0% | $552 | 14.3% |
| TRANSPORTATION ALLIANCE BANK | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $365 | 90.0% |
| CARVER FEDERAL SAVINGS BANK | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $392 | 17.9% |
| APPLE BANK | 2 | 1 50.0% | 0 0.0% | 1 50.0% | $502 | 77.8% |
| UNITED HERITAGE CREDIT UNION | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $479 | 66.7% |
| UNION BANK AND TRUST COMPANY | 2 | 2 100.0% | 0 0.0% | 0 0.0% | $517 | — |
| MORGAN STANLEY PRIVATE BANK NA | 2 | 2 100.0% | 0 0.0% | 0 0.0% | $491 | 0.0% |
| U.S. BANK | 2 | 1 50.0% | 1 50.0% | 0 0.0% | $330 | 66.7% |
| NBKC BANK | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $503 | 20.0% |
| CHOICE FINANCIAL GROUP | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $393 | 34.6% |
| ARIZONA FINANCIAL CREDIT UNION | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $492 | 66.7% |
| COMMUNITY SERVICE CREDIT UNION | 2 | 0 0.0% | 0 0.0% | 2 100.0% | $524 | 100.0% |
| PATELCO CREDIT UNION | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $338 | 10.0% |
| CHARLES SCHWAB BANK | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $383 | 77.8% |
| PHILADELPHIA FEDERAL CREDIT UNION | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $283 | 47.1% |
| CARD SERVICES FOR CREDIT UNIONS | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $347 | 38.1% |
| CU COOPERATIVE SYSTEMS | 2 | 0 0.0% | 0 0.0% | 2 100.0% | $436 | 100.0% |
| PT. BANK RAKYAT INDONESIA (PERSERO) TBK | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $455 | 86.7% |
| TEXAS TRUST CREDIT UNION | 2 | 2 100.0% | 0 0.0% | 0 0.0% | $397 | 0.0% |
| SHELL FEDERAL CREDIT UNION | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $298 | 81.3% |
| SOUTHSIDE BANK | 2 | 0 0.0% | 0 0.0% | 2 100.0% | $442 | 100.0% |
| ONEUNITED BANK | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $329 | 24.2% |
| VANTAGE WEST CREDIT UNION | 2 | 1 50.0% | 1 50.0% | 0 0.0% | $414 | 50.0% |
| OLD SECOND NATIONAL BANK | 2 | 1 50.0% | 0 0.0% | 1 50.0% | $321 | 100.0% |
| FALL RIVER FIVE CENTS SAVINGS BANK | 2 | 1 50.0% | 1 50.0% | 0 0.0% | $425 | 50.0% |
| PIERMONT BANK | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $414 | 39.0% |
| NBT BANK | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $254 | 80.0% |
| WESTFIELD BANK | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $304 | 26.3% |
| GREATER TEXAS FEDERAL CREDIT UNION | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $225 | 51.7% |
| FIRSTBANK | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $230 | 42.1% |
| COMPUTER SERVICES | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $260 | 60.0% |
| PINNACLE BANK | 2 | 2 100.0% | 0 0.0% | 0 0.0% | $233 | 0.0% |
| BARKSDALE FEDERAL CREDIT UNION | 2 | 2 100.0% | 0 0.0% | 0 0.0% | $253 | 0.0% |
| BANCO COOPERATIVO SICOOB S.A. - BANCO SICOOB | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $268 | 50.0% |
| ADDITION FINANCIAL CREDIT UNION | 2 | 2 100.0% | 0 0.0% | 0 0.0% | $285 | — |
| ECOBANK R.D.C. S.A.R.L. | 2 | 2 100.0% | 0 0.0% | 0 0.0% | $235 | 0.0% |
| SALEM FIVE CENTS SAVINGS BANK | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $258 | 28.6% |
| ASCEND FEDERAL CREDIT UNION | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $163 | 66.7% |
| BANCO BILBAO VIZCAYA ARGENTARIA (PANAMA) S.A. - BBVA (PANAMA | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $150 | 76.5% |
| PING AN BANK CO. | 2 | 0 0.0% | 2 100.0% | 0 0.0% | $130 | 36.6% |
| WESBANCO BANK | 2 | 1 50.0% | 1 50.0% | 0 0.0% | $100 | 33.3% |
| MERRIMACK VALLEY CREDIT UNION | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $89 | 53.3% |
| ALTRA FEDERAL CREDIT UNION | 2 | 0 0.0% | 1 50.0% | 1 50.0% | $71 | 46.2% |
| GROW FINANCIAL FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $1,167 | 20.0% |
| MEMBERS COOPERATIVE CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $500 | 33.3% |
| POPULAR BANK LTD. INC. | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $413 | 100.0% |
| PLAINSCAPITAL BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $400 | 88.9% |
| SUFFOLK FEDERAL CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $358 | 100.0% |
| US COMMUNITY CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $355 | 30.0% |
| OREGON PACIFIC BANKING COMPANY DBA OREGON PACIFIC BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $355 | 36.4% |
| COASTAL1 CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $345 | 100.0% |
| ORIENTAL BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $320 | 44.4% |
| WRIGHT-PATT CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $315 | 50.0% |
| PROSPERITY BANK | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $310 | 0.0% |
| ATLANTIC FEDERAL CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $298 | 100.0% |
| FIRST HERITAGE FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $298 | 40.0% |
| MAZUMA CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $296 | 11.1% |
| FIRST NATIONAL BANK OF OMAHA | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $296 | — |
| GREYLOCK FEDERAL CREDIT UNION | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $296 | 0.0% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $296 | 50.0% |
| SIMMONS BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $296 | 8.3% |
| THE BANK OF PRINCETON | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $296 | 0.0% |
| ABSA BANK MAURITIUS | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $296 | — |
| PRIBANK SH A | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $296 | 0.0% |
| BANK OZK | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $296 | 0.0% |
| BANK OF TRAVELERS REST | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $296 | 16.7% |
| WATERTOWN SAVINGS BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $296 | 66.7% |
| BANCO ACTIVO | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $296 | 0.0% |
| PEAPACK-GLADSTONE BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $296 | 77.8% |
| GREAT LAKES CREDIT UNION | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $296 | — |
| STELLAR BANK | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $295 | 0.0% |
| INTESA SANPAOLO SPA | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $295 | 58.3% |
| TURKCELL ODEME VE ELEKTRONIK PARA HIZMETLERI AS | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $295 | 0.0% |
| CREDIT UNION AUSTRALIA LTD. | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $292 | — |
| THE GOLDEN 1 CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $292 | 44.4% |
| CENTENNIAL BANK | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $290 | 0.0% |
| UNIVERSITY FIRST FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $288 | 50.0% |
| COMMUNITY FIRST CREDIT UNION OF FLORIDA | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $288 | 100.0% |
| TEXAS BANK AND TRUST COMPANY | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $288 | 16.7% |
| SOCIETE GENERALE | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $288 | 100.0% |
| BANK OF PRAIRIE DU SAC | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $283 | 50.0% |
| SOUTH CAROLINA FEDERAL CREDIT UNION | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $278 | 0.0% |
| FIRST NATIONAL BANK OF DUBLIN | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $275 | 50.0% |
| CAIXA GERAL DE DEPOSITOS | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $265 | 70.0% |
| POLISH & SLAVIC FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $263 | 66.7% |
| TEXELL CREDIT UNION | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $263 | 0.0% |
| FLAGSTAR BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $258 | 100.0% |
| METABANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $258 | 7.1% |
| RADIANT CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $255 | 14.3% |
| FAIRWINDS CREDIT UNION | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $255 | 0.0% |
| HEARTLAND BANK AND TRUST COMPANY | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $250 | 0.0% |
| MEMBERS 1ST FEDERAL CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $248 | 87.5% |
| OKLAHOMA EMPLOYEES CREDIT UNION | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $246 | — |
| SOUTHERN BANK | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $246 | — |
| PEOPLES BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $246 | 87.5% |
| WHITAKER BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $246 | 100.0% |
| LONE STAR CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $246 | 100.0% |
| MACYS | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $246 | 100.0% |
| CENTRAL CREDIT UNION OF ILLINOIS | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $246 | — |
| BANK OF TENNESSEE | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $246 | 81.8% |
| PEOPLES SECURITY BANK AND TRUST COMPANY | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $238 | 0.0% |
| ORLANDO CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $235 | 10.5% |
| CHAMPION CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $225 | 33.3% |
| LEADER BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $223 | 22.2% |
| OKLAHOMA CENTRAL CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $223 | 100.0% |
| A+ FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $221 | 75.0% |
| ARKANSAS FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $221 | 18.8% |
| VIRGINIA CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $221 | 40.0% |
| NIUM | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $221 | 66.7% |
| THE HEALTH EDUCATION FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $221 | 50.0% |
| CAPITAL CITY BANK | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $221 | — |
| NEWTOWN SAVINGS BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $218 | 50.0% |
| FIRST PREMIER BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $215 | 25.0% |
| THE NATIONAL BANK OF COXSACKIE | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $215 | 16.7% |
| ORNL FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $210 | 66.7% |
| AUSTIN TELCO FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $208 | 20.0% |
| PEOPLES ALLIANCE FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $206 | 76.9% |
| BANKESB | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $205 | 100.0% |
| OLD NATIONAL BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $204 | 100.0% |
| AMERIS BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $204 | 78.6% |
| THE BANK OF MISSOURI | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $204 | 0.0% |
| GUARANTY BANK AND TRUST COMPANY | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $200 | 33.3% |
| TRUE SKY FEDERAL CREDIT UNION | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $200 | 0.0% |
| SCHOOLSFIRST FEDERAL CREDIT UNION | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $200 | 0.0% |
| BANCO DE OCCIDENTE | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $200 | 100.0% |
| CADENCE BANK | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $197 | 0.0% |
| PS BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $195 | 100.0% |
| CHARTER OAK FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $195 | 27.3% |
| GERMAN AMERICAN BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $188 | 100.0% |
| GATE CITY BANK | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $187 | 0.0% |
| STATE EMPLOYEES' CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $183 | 20.0% |
| ASSOCIATED BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $180 | 100.0% |
| BETHPAGE FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $178 | 10.0% |
| FIRST COMMAND BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $173 | 90.9% |
| SAFE FEDERAL CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $171 | 100.0% |
| G P O FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $170 | 25.0% |
| KEESLER FEDERAL CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $167 | 100.0% |
| SAVERS CO-OPERATIVE BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $165 | 100.0% |
| FSNB | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $163 | 16.7% |
| YES BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $163 | 50.0% |
| MISSION FEDERAL CREDIT UNION | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $163 | 0.0% |
| SIUE CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $163 | 100.0% |
| AMEX MEXICO GLOBESTAR CORPORATE | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $163 | — |
| CITIZENS EQUITY FIRST CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $157 | 80.0% |
| FREEDOM CREDIT UNION | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $154 | — |
| SABINE STATE BANK & TRUST COMPANY | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $150 | 80.0% |
| PUBALI BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $150 | 66.7% |
| CREDIT UNION OF AMERICA | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $148 | 66.7% |
| AMPLIFY CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $148 | 28.0% |
| ACHIEVA CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $146 | 100.0% |
| METRO CU FEDERAL CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $146 | 100.0% |
| MAC FEDERAL CREDIT UNION | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $142 | — |
| FIRST BANK AND TRUST | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $142 | 100.0% |
| MEMPHIS CITY EMPLOYEES CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $140 | 31.3% |
| FAMILY ADVANTAGE FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $133 | 46.2% |
| FORUM CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $133 | 57.1% |
| UARK FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $133 | 73.3% |
| ALLY BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $132 | 43.5% |
| EDUCATORS CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $125 | 33.3% |
| INWOOD NATIONAL BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $125 | 100.0% |
| METRO FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $120 | 71.4% |
| METRO CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $115 | 66.7% |
| ABOUND FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $113 | 44.4% |
| APPALACHIAN COMMUNITY FEDERAL CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $110 | 100.0% |
| COMMUNITY FEDERAL SAVINGS BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $110 | 50.0% |
| CB&S BANK | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $110 | 0.0% |
| FIRST SOUTHERN NATIONAL BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $108 | 100.0% |
| CITIBANK SINGAPORE | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $108 | 50.0% |
| SOLARIS SE | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $106 | — |
| FORTERA FEDERAL CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $103 | 100.0% |
| ESL FEDERAL CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $100 | 100.0% |
| FARMERS STATE BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $100 | 81.8% |
| THE BANK OF NOVA SCOTIA | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $100 | 69.6% |
| ACADEMY BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $100 | 38.9% |
| YAPI VE KREDI BANKASI | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $96 | 75.0% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $96 | — |
| UNITED SOUTHERN BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $95 | 25.0% |
| GUARANTY TRUST BANK GHANA | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $92 | 100.0% |
| JOVIA FINANCIAL FEDERAL CREDIT UNION | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $88 | 0.0% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $85 | 40.9% |
| ZIONS BANCORPORATION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $85 | 40.0% |
| EASTMAN CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $85 | 12.5% |
| ACME CONTINENTAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $80 | 15.4% |
| ARVEST BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $78 | 46.7% |
| FIRST COMMUNITY CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $75 | 42.9% |
| TD BANK USA NORDSTROM | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $75 | 100.0% |
| Y-12 FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $74 | 78.9% |
| FIRST CAROLINA BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $73 | 50.0% |
| FIRST SERVICE CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $71 | 50.0% |
| THE FEDERAL BANK | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $71 | — |
| BURKE & HERBERT BANK & TRUST COMPANY | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $71 | 40.0% |
| RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $69 | 85.7% |
| COMMUNITY POWERED FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $67 | 18.2% |
| CITIZENS NATIONAL BANK AT BROWNWOOD | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $66 | 45.5% |
| AVIDIA BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $58 | 100.0% |
| EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $56 | 16.7% |
| BOKF | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $56 | 25.0% |
| BANK RHODE ISLAND | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $55 | 66.7% |
| MASS BAY CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $55 | 22.7% |
| IGODIRECT GROUP PTY | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $54 | — |
| NESC FEDERAL CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $50 | 100.0% |
| ZA BANK | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $50 | 100.0% |
| BANCO SANTANDER PORTUGAL | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $50 | — |
| STANDARD CHARTERED BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $50 | 66.7% |
| SERVICE FEDERAL CREDIT UNION | 1 | 1 100.0% | 0 0.0% | 0 0.0% | $50 | 0.0% |
| AFFINITY FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $50 | 73.3% |
| TRUPOINT BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $50 | 60.0% |
| PACIFIC WEST BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $44 | 47.4% |
| DESERT FINANCIAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $31 | 50.0% |
| ICBA BANCARD | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $30 | 12.8% |
| GRANITE STATE CREDIT UNION | 1 | 0 0.0% | 0 0.0% | 1 100.0% | $30 | 100.0% |
| MIDFIRST BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $29 | 60.0% |
| FIRST ELECTRONIC BANK | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $20 | 66.7% |
| U. S. EAGLE FEDERAL CREDIT UNION | 1 | 0 0.0% | 1 100.0% | 0 0.0% | $17 | 25.0% |
Both tables cover only the 1,815 people who have ever had a recurring charge succeed — the other 816 are in Never paid anything by definition and no threshold moves them. The first table shows where people actually sit; the second shows what a different cut would do. The bands touching 80% are highlighted.
| Success rate band | Falls in | People |
|---|---|---|
| 60% to under 65% | Pay intermittently | 66 3.6% |
| 65% to under 70% | Pay intermittently | 103 5.7% |
| 70% to under 75% | Pay intermittently | 45 2.5% |
| 75% to under 80% — touching the line | Pay intermittently | 55 3.0% |
| 80% to under 85% — touching the line | Pay all the time | 54 3.0% |
| 85% to under 90% | Pay all the time | 37 2.0% |
| 90% to under 101% | Pay all the time | 579 31.9% |
| If the cut were… | Pay all the time | Pay intermittently |
|---|---|---|
| 60% | 939 35.7% | 876 33.3% |
| 70% | 770 29.3% | 1,045 39.7% |
| 75% | 725 27.6% | 1,090 41.4% |
| 80% — the cut in use | 670 25.5% | 1,145 43.5% |
| 85% | 616 23.4% | 1,199 45.6% |
| 90% | 579 22.0% | 1,236 47.0% |
Recurring only. Only each city's Recurring location counts (Texas “Recurring”, Boston “Recurring”, New York “Recurring NYC”, Florida “Recurring”, Chicago “Recurring”, Nashville “Recurring”) — matched on a name prefix, so New York's “Recurring NYC” is included. A studio counter sale, a deposit or an office charge cannot enter a bucket. Both history feeds are append-only and re-pull their trailing edge, so they are deduplicated on the payment id across both files before anything is counted — 21,937 unique payments out of 21,937 matched rows. Reading the pre-2025 feed as well as the current one turns out to change nothing here: it contributes only 261 of those 21,937 charges and moves nobody between buckets, because almost every agreement with a payment due this week was written in 2025 or later. That is worth knowing rather than assuming — it means these buckets do not depend on how deep the history goes. One bucket per person, not per instalment: the 2,637 rows in the source collapse to 2,631 people, and Already past due is a per-customer figure counted once each.
Download all 2,631 people as CSV — one row per person with their bucket, issuer, early-access flag, card type, every recurring attempt with the paid/failed split and success rate, what they have banked, first and last charge dates, arrears, and the amount due this week.