Subprime auto loan delinquencies hit a record high at 6.65%.

#KeyTakeAways
Historical data from previous cycles (1990, 2001, 2008, 2020) suggests a consistent sequential breakdown in credit performance.

• Record Threshold: Subprime 60-day delinquency at 6.65% is the highest level since data collection began in the early 1990s

•… pic.twitter.com/j1nsuZZ9dZ

— DeltaSage (@deltasage_ai) January 14, 2026