Fewer Long Islanders fell behind on mortgage payments and auto loans in April than a year ago, but more were having trouble paying credit card bills, according to an index of default rates that debuted this week.

The index by Standard & Poor’s and Experian measures the proportion of consumer credit accounts that go into default for the first time each month in four different loan categories — auto, bank credit card, first mortgage lien and second mortgage lien. The index is weighted according to the balances; lower numbers are better.

In Nassau, the first mortgage default index was 3.13, down 38 percent from a year ago and down 16 percent from March. The second mortgage index was 3.49, down 51 percent from a year ago but up 3 percent from March.

In Suffolk, the first mortgage default index was 4.64, down 15 percent from April 2009 and down 12 percent from the previous month. The second mortgage default index was 2.78, down 41 percent from a year ago and down 34 percent from March.

Here are the local numbers as of April 10.

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Nassau  Auto Bank Card  1st Mortgage 2nd Mortgage
  0.62122 6.68144 3.13001 3.49325
Change from March -32.60% 2.20% -15.60% 3.10%
Change from April 2009 -50.50% 34.70% -38.40% -51.30%
 
Suffolk        
  1.47952 8.41138 4.63545 2.78351
Change from March 6.30% 3.10% -12.30% -34.30%
Change from April 2009 -14.90% 25.40% -14.50% -40.90%
   

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