ISHPEMING, Mich. (3/11/09)--Ishpeming Community FCU says that its members are hunkering down to pay bills and manage debt, which is consistent with what a consumer tracking agency that monitors debt found. TransUnion, which tracks consumer debt, found that the number of people who are three months behind on their bank card payments dropped 11% during fourth quarter 2008, from the year before. Consumers also restrained their spending during the holidays, adding less than 2% to their balances, the bureau found. Ishpeming Community FCU, based in Ishpeming, Mich., told Upper Michigan's Source.com that its delinquency is "quite low." It averages about seven credit card delinquencies a year but currently it has four credit card delinquencies. Toni Lawson, consumer loan manager at the $93.4 million asset credit union, told the publication that people are being more conservative and watching their spending because they're nervous about the economy. Nevada led the nation with the highest incidence of delinquency, with bankcard borrowers 90 days or more delinquent on one of their cards, at 2.04%. Florida ranked 1.71% and Arizona ranked 1.54% (Jacksonville Business Journal March 10). The highest state average of debt on a bankcard was $7,466, in Alaska, followed by Nevada at $6,638 and Tennessee at $6,560. The lowest average bankcard debt was in Iowa, with $4,267, followed by North Dakota with $4,414, and West Virginia with $4,555.