Consumer loan delinquencies are still on the rise, as evidenced by the American Bankers Association’s latest consumer credit delinquency bulletin. Indeed, nine of 11 loan categories showed slightly higher delinquencies in the second quarter, according to the ABA.

The bank card category was one of two with improved performance, as delinquencies fell 18 basis points to 3.22%.That puts bank cards well below the 15-year average of 3.94% and below where bank cards stood one year ago at 3.62% of all accounts. Mobile home loans delinquencies was the other category seeing improvement, with a fall to 3.62% from 3.74%.

The composite ratio, which tracks 30-day late payments in eight closed-end installment loan categories, including personal loans, property improvement loans, home equity loans and auto loans― increased 17 basis points to 2.88 % of all accounts in the second quarter. That compares to 3.00 % in the second quarter of 2010.

Personal loan delinquencies rose to 3.12% from 3.05% last quarter while on the open-end loans side, non-card revolving loan delinquencies rose to 1.11% from 0.96%

Overall, the increase in delinquencies reflects continuing pressures as consumers navigate the consequences of high unemployment, rising gas prices, and a struggling economy, said ABA Chief Economist James Chessen in the release.