Representing 34.5% of all brick and mortar food transactions we analyzed, Costco is the most popular physical grocery chain. Kroger (20%), Whole Foods (16%), Trader Joe’s (13.7%), and Safeway (13.1%) all have relatively similar shares, and Publix (not pictured) represented less than 0.1%. (Note: We should qualify that the brick and mortar stores here reflect the geographic locations of our loan applicants).
 In each of the other spaces, one company seems to commandeer the vast majority of sales.
 With grocery delivery, Instacart (53.9%) is heads and shoulders above the competition (Amazon Fresh, at 7.8%, is still far behind, but sure to grow in the coming years); restaurant delivery is dominated by the Grubhub/Seamless powerhouse; and Blue Apron has a stronghold on the meal kit space, with 77.2% of all purchases.
 Lastly, we looked at how men and women shop. According to this analysis, men go to brick-and-mortar grocery stores marginally more often than women and women use delivery and meal kit services more than men, The data underscores other reports showing that increasingly grocery stores are appealing to male shoppers.