BURLINGTON, Vt. (12/17/09)--Residents of Vermont have a reputation for being frugal, and recent data that track delinquent payments of auto loans, home loans and credit card bills support that perception, said a Vermont credit union. “When we look at our members who [are] lower income, they tend to have a lower delinquency rate than your average American,” said Jodi Harrington, marketing and member-services manager for Burlington, Vt.-based Opportunities CU (The Burlington Free Press Dec. 16). In general, Vermonters demonstrate “common sense and frugality” when managing their finances--character traits that help them maintain low debt burdens, Harrington told the newspaper. Only 0.65% of car loans in Vermont were more than two months delinquent in the third quarter, the paper said, adding that this favorably compares with a national delinquency rate of 0.81%, according to a report released last week by TransUnion LLC, in Chicago, which tracks auto, credit card and mortgage-debt performance. Opportunities CU has $28.5 million in assets.