CREATE TABLE bank (
branch_ID int PRIMARY KEY,
bname varchar(20),
no_of_customers int,
city varchar(10),
state varchar(20))

CREATE TABLE customer (
cust_ID varchar(3) PRIMARY KEY,
cust_name varchar(20),
acc_type char(1),
acc_bal int,
no_of_loans int,
credit_score int,
branch_ID int,
state varchar(20),
FOREIGN KEY(branch_ID) REFERENCES bank(branch_ID))

CREATE TABLE loan (
loan_ID varchar(3) PRIMARY KEY,
loan_type varchar(15),
cust_ID varchar(3),
branch_ID varchar(3),
amount int,
FOREIGN KEY(branch_ID) REFERENCES bank(branch_ID),
FOREIGN KEY(Cust_ID) REFERENCES customer(Cust_ID))
SELECT avg(credit_score) FROM customer WHERE cust_id NOT IN (SELECT cust_id FROM loan)
Find the average credit score of the customers who do not have any loan.