The bank's loss ratios are rising, which has investors worried.Ally Financial (ALLY 2.21%) spooked investors last week. At an investment conference, an executive said that delinquencies and net charge-offs for its consumer automotive loans rose in the past two months. This is not good for an already struggling banking business. If fewer people are paying back their loans, Ally will make less in profit. After the update, Ally's stock plummeted close to 20% and now sits at about $33.The largest investor in Al ...