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Cards and auto cooled. Ontario homeowners didn't.

90+ day balance delinquency rates by product and group, Q2 2026

Unit: % of balances 90+ days late
Cards and auto cooled. Ontario homeowners didn't.Non-mortgage delinquency among Ontario mortgage holders hit 0.86%, up 27% in a year. Strip Ontario out and the national increase is 2.1%. Unit: % of balances 90+ days late. Equifax Canada Q2 2026; groups are not mutually exclusive. Use left and right arrow keys to inspect observations. The data table follows the chart.Cards and auto cooled. Ontario homeowners didn't.90+ day delinquency rate% of balances 90+ days late0%1%2%3%4%5%Credit cards (all consume…4.19%Toronto non-mortgage2.34%All non-mortgage (Canada)1.76%Auto loans1.1%Mortgage holders, Ontario…0.86%Mortgage holders, Canada …0.77%Homies Research, using Equifax Canada Q2 2026 Market Pulse release · Through 2026-Q2Equifax Canada Q2 2026; groups are not mutually exclusiveHOMIES RESEARCH
Credit cards (all consumers): 4.19%

Non-mortgage delinquency among Ontario mortgage holders hit 0.86%, up 27% in a year. Strip Ontario out and the national increase is 2.1%.

Source: Homies Research, using Equifax Canada Q2 2026 Market Pulse release. Reference: 2026-Q2. Released 2026-08-24. Retrieved 2026-10-27.

Equifax Canada Q2 2026; groups are not mutually exclusive · Different populations on one chart. Read each bar as its own rate, not a ranking of risk.

CSVChart permalink ↗
View accessible data table · 1 series, 6 observations
Cards and auto cooled. Ontario homeowners didn't.. Unit: % of balances 90+ days late. Equifax Canada Q2 2026; groups are not mutually exclusive
Market90+ day delinquency rate
Credit cards (all consumers)4.19%
Toronto non-mortgage2.34%
All non-mortgage (Canada)1.76%
Auto loans1.1%
Mortgage holders, Ontario (non-mortgage)0.86%
Mortgage holders, Canada (non-mortgage)0.77%

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