Resilient but Uneven: How Consumers Are Weathering Credit Pressures

TransUnion’s Pete Turek joins to discuss new stats around originations, balances and delinquencies that reveal a growing split in consumer financial health — and what lenders should watch heading into 2026.

Pete Turek — a TransUnion^® SVP responsible for overseeing relationships with more than 120 of the nation’s leading financial institutions — join Josh and Craig this month to unpack insights from the latest Consumer Industry Insights Report.

The discussion highlights a “K-shaped” dynamic in lending, with strong growth at both ends of the credit spectrum, record personal loan originations and Gen Z’s rising influence. The conversation also covers tighter credit lines, longer auto loan terms, delinquency trends across products and the impact of the recent government shutdown.

Looking ahead, the group examines how tax season, student loan offsets and macroeconomic factors could shape consumer credit performance in early 2026.

For lenders and risk professionals, this episode offers a clear, data-driven view of where consumer credit stands — and what’s next.