Analysis shows how your and your neighbors’s credit scores compare to other towns.

With financial improvement being a top New Year’s resolution and a person’s credit score being a key indicator of one’s financial performance, the personal finance website WalletHub evaluated the average credit scores of residents in 2,570 cities to determine 2016’s cities with the highest and lowest credit scores.

Top 20 cities (credit score) Bottom 20 cities (credit score)

The Villages, Fla. (780) Pontiac, Mich. (595)

Sun City West, Ariz. (758) Opa-locka, Fla. (594)

Saratoga, Calif. (756) East Point, Ga. (594)

Los Altos, Calif (754) Oxon Hill, Md. (594)

Sun City Center, Fla. (753) Riverdale, Ga. (594)

Needham, Mass. (751) East Chicago, Ind. (592)

Lexington, Mass. (751) East Orange, N.J. (592)

Laguna Woods, Calif. (750) Dolton, Ill. (591)

Pittsford, N.Y. (749) Maywood, Ill. (590)

Potomac, Md. (749) Detroit, Mich. (590)

Green Valley, Ariz. (748) Gary, Ind. (588)

Cupertino, Calif. (746) Inkster, Mich. (588)

Winchester, Mass. (746) West Memphis, Ariz. (586)

Scarsdale, N.Y. (746) Union City, Ga. (586)

Wilmette, Ill. (743) Chester, Penn. (583)

Leawood, Kan. (743) College Park, Ga. (583)

Westfield, N.J. (742) Forest Park, Ga. (580)

Chevy Chase, Md. (742) Harvey, Ill. (574)

Mequon, Wisc. (742) East St. Louis, Ill. (571)

Hingham, Mass. (741) Camden, N.J. (566)

Maine’s 5 largest cities

South Portland (688)

Auburn (670)

Portland (669)

Lewiston (662)

Bangor (661)

For the full report and to see where all 2,570 municipalities rank, go to the full report. (wallethub.com/free-credit-score/)