If you live in North Wales or King of Prussia and don’t work in finance, you might want to switch careers, because new data suggests that you have excellent money-management skills.

According to a recent study conducted by WalletHub – an online, industry-leading finance resource – North Wales ranks in the 93rd percentile nationally in terms of its consumers’ ability to keep their financial house in order, while King of Prussia is 90th.

WalletHub’s analysts compared 2,570 cities based on eight key metrics, ranging from credit score to average number of late payments to mortgage debt-to-income ratio. The experts utilized TransUnion data from September 2015, the most recent available.

North Wales checked in at 183rd overall, as its residents have an average credit score of 725.0 and only 1.57 late payments.

King of Prussia placed 263rd out of the 2,570 cities. Its average credit score was 718.0, and its residents have a low credit-card debt-to-income ratio of 11.89 percent.

Lansdale (282nd overall), Ambler (319th overall), and Glenside (634th overall) ranked in the 89th, 88th, and 75th percentiles, respectively, rounding out the highest-rated Montgomery County locales.

Ambler residents have an average credit score of 720.8.

Other metrics that affected a city’s rank were student-loan debt-to-income ratio, car-loan debt-to-income ratio, average percentage of credit used, and foreclosure rate.

With regard to WalletHub’s study, each metric was given a value between 0 and 100, wherein 100 is the best value and 0 is the worst. The overall score for each city was then calculated using the weighted average across all metrics.

The term “city” is used liberally throughout the study, as it refers not just to cities but also boroughs.

The Villages, Fla. has the highest credit score, while Camden, N.J. has the lowest. State College and Gettysburg are two of the top five cities with the highest student loan debt-to-income ratio, with 605.58 percent and 649.72 percent, respectively.