Steady is an adjective that certainly summarizes the latest default data discovered by S&P Dow Jones Indices and Experian.

According to the latest update released on Tuesday, all of the segments included in the S&P/Experian Consumer Credit Default Indices remained unchanged in June compared to the previous month.

Auto defaults held the line at 0.87%, marking the second time this year that the reading stayed the same on a sequential basis. For both March and April, analysts pegged auto defaults at 0.94%.

A year ago, S&P and Experian said auto defaults checked in at 0.93%.

Meanwhile the June composite rate — a comprehensive measure of changes in consumer credit defaults — remained unchanged at 0.83%.

Analysts added the bank card default rate held at 3.90%, and the first mortgage default rate was unchanged at 0.59%.

While the overall readings marked time in June, S&P and Experian spotted some movements when examining the five largest U.S. markets. Three of the major metropolitan statistical areas showed lower default rates compared to last month.

Los Angeles posted the largest decrease, dropping 7 basis points to 0.61%.

The default rate for New York declined 4 basis points to 0.87%, while the rate for Chicago fell 2 basis points to 0.88%.

The rate for Miami increased 6 basis points to 1.43%, while the rate for Dallas climbed 5 basis points higher to 0.82%.

Jointly developed by S&P Indices and Experian, analysts noted the S&P/Experian Consumer Credit Default Indices are published monthly with the intent to accurately track the default experience of consumer balances in four key loan categories: auto, bankcard, first mortgage lien and second mortgage lien.

The indices are calculated based on data extracted from Experian’s consumer credit database. This database is populated with individual consumer loan and payment data submitted by lenders to Experian every month.

Experian’s base of data contributors includes leading banks and mortgage companies and covers approximately $11 trillion in outstanding loans sourced from 11,500 lenders.