Subprime delinquencies ratcheted sharply upward during the fourth quarter – a sign that increased competition and softening home-prices may be taking a toll. The performance bumps were evident in delinquency figures released recently by the Mortgage Bankers Association. The MBA reported that the 30-day past-due rate on outstanding subprime loans rose by a hefty 87 basis points, to 11.63 percent, between the third and fourth quarter of 2005.