Fremont has top ranking for personal financial fitness.

San Francisco and San Jose also rank high with good collective credit scores

Maybe Fremont’s residents know something the rest of us don’t — the city has topped yet another ranking from personal finance website WalletHub, this time as the best city for overall financial health among residents.

The ranking compared 182 cities on 32 different metrics, including job security, non-mortgage debt and the share of households with emergency savings. Fremont was boosted by a best-in-thenation 754 median credit score, as well as a 0.02 percent share of personal bankruptcies and 5.1 percent uninsured rate, the third and sixth best, respectively, among the cities measured.

Two other Bay Area cities landed in the top 10 for what WalletHub calls wallet fitness: San Francisco in third and San Jose in fourth. Both also had strong median credit scores — 745 in San Francisco and 730 in San Jose — and low shares of delinquent debtors and personal bankruptcies. However, Fremont had one of the worst unemployment rates among workers with a bachelor’s degree or higher — 11.2 percent. That was the 178th worst rate among the 182 cities analyzed.

Fremont, which with 235,000 residents is about a fifth the size of its bigger Bay Area neighbors, is no stranger to WalletHub’s rankings. In July, it was ranked as the least stressed city out of 182 analyzed by the website. In that ranking, the city stood out for having the lowest divorce rate and and second lowest poverty rate.

Maybe that laid-back lifestyle helped Fremont residents better appreciate the environment, because in October WalletHub ranked it as the seventh greenest city among the 100 biggest cities in the country. It tied for first place with Anchorage and Honolulu for the highest share of green space in the city.