The average consumer in the U.S. holds about two bank-issued credit cards and has a total credit card balance of $5,551, according to latest State of Credit report from Experian. That number represents 30 percent the average total available credit.

It turns out that consumers in some states are doing better than others in handling all that debt, with the report providing a ranking of which states have residents with the highest credit scores.

The credit scores of Americans have been on the rise—and so have credit card delinquencies, according to the report. Repossession rates are elevated from years of subprime auto lending, and 44 million Americans owe $1.4 trillion in student debt. One-third of Americans said they paid their student loans late at least one time last year, according to the report.

In 2017, the average Vantage score was 675, just four  points from the pre-financial crisis average of 679. The Vantage Score is a scoring model developed by Experian, Equifax, and Transunion to determine consumer credit worthiness. Scores have increased each year since 2013, and consumer confidence rose to a 17-year high at the end of last year, according to the study.

In fact, more Americans now have ultra-high scores over 781 (22.3 percent) than those who have severely low scores below 600 (21.2 percent). In terms of average consumer scores, some states are doing better than others.

Here is a list of the states with the highest average credit scores:

10. Hawaii      

Vantage Score: 693

Consumers in Hawaii carry a credit card balance of $6,410.