Roughly one out of 20 people with a credit file — which constitutes about 5.3 percent of the U.S. consumer population — are at least 30 days late on a credit card or other non-mortgage account such as an auto loan or a student loan.

And consumers within 13 states represented a majority of those past-due account holders, with Nevada leading the way at 47 percent of people with a credit file in that state having debt in reported collections.

The District of Columbia and an additional 12 states are above the 40-percent mark, including:

— Alabama
— Arkansas
— Florida
— Georgia
— Kentucky
— Louisiana
— Mississippi
— New Mexico
— North Carolina
— South Carolina
— Texas
— West Virginia

Urban Institute researchers collaborated with analysts from the Consumer Credit Research Institute to dissect TransUnion data to compile this report.

“While this is a minority of adults, debt past due is an indication of looming problems,” report authors said. “For adults with other debts already in collections, the problem may be snowballing.

“Among people with debt past due, the average amount they need to pay to become current on that debt is $2,258.80,” they continued.

Drilling down deeper into the data, the report delved into the debt standings within the 100 largest metropolitan areas. Study orchestrators found that five cities have at least 45 percent of people with collections debt reported in their credit files. That group included:

— McAllen, Texas: 51.7 percent

— Las Vegas: 49.2 percent

— Lakeland, Fla. 47.3 percent

— Columbia, S.C.: 45.2 percent

— Jacksonville, Fla.: 45.0 percent

On the opposite side of the debt spectrum, the report showed three Midwestern states — Minnesota, North Dakota, and South Dakota — have a substantially lower, yet still considerable levels, as 20 percent of people have reported debt in collections.

And large cities with consumers with the lowest amounts of debts in collections were spread out geographically, but none were located in the South. That group included:

— Minneapolis-St. Paul: 20.1 percent

— Honolulu: 21.0 percent

— Boston: 22.4 percent

— Madison, Wis.: 22.6 percent

— San Jose, Calif.: 23.0 percent

— Bridgeport, Conn.: 24.5 percent