Currently, the index is portraying a consumer that has debt under control and manageable, but slightly moving sideways to upward. The largest increase is in bank card debt. The composite index is at 0.89 in May which is 0.03 points lower than last month, but 0.03 points higher than this time last year. Mortgage defaults are also lower, year-over-year at 0.66. Auto loans have increased by 0.08 points from last year and 0.17 points from 2 years ago, but also dropped from last month by 0.06 points to 0.93.