Generation X, dissed in their youth as slackers who wouldn’t get off their duffs and get a job, are exerting financial dominance in the automotive loan market, a credit review indicates.

Gen Xers born between 1965 and 1979 topped the list of “auto loan-performance by age group” in 2017’s fourth quarter, says credit tracker TransUnion’s Industry Insights Report.

Their average car loan balance was $20,868, followed by Baby Boomers (1946-1964) who at $18,532 remain an automotive market force; and Millennials (1980-1994) who at $17,619 are becoming a consumer force of their own.

Generation Z (1995 to the present) unsurprisingly has the lowest average car-loan balance ($13,853). That’s largely because many of them aren’t old enough to drive, and the ones that are skew toward entry-level and used vehicles.

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