Below is an context that describes a sql query, paired with an question that provides further information. Write an answer that appropriately completes the request.  # noqa: E501
### Context:
CREATE TABLE loan (credit_score INTEGER, cust_id VARCHAR); CREATE TABLE customer (credit_score INTEGER, cust_id VARCHAR)
### Question:
Find the average credit score of the customers who do not have any loan.
### Answer:
SELECT AVG(credit_score) FROM customer WHERE NOT cust_id IN (SELECT cust_id FROM loan)