Auto loan delinquency is on the rise. By the end of 2008 there were more than 7 billion in auto loans 60 days or more past due. It is up 1.04% in the US and on the rise across the board among all finance operations. From Captives, banks, finance companies, and credit unions. Overall auto loan delinquency at credit unions went up from 0.45% to 0.57% in 2008. How is your credit union handling the rise in late payments? Have you employed any new tatics?