SELECT cust_name FROM customer WHERE credit_score  <  (SELECT avg(credit_score) FROM customer)
Find the name of customers whose credit score is below the average credit scores of all customers.
[Schema (values) (types)]: | loan_1 |  bank : branch_id (text) , bname (number) , no_of_customers (text) , city (number) , state (text) | customer : cust_id (text) , cust_name (number) , acc_type (text) , acc_bal (number) , no_of_loans (text) , credit_score (text) , branch_id (text) , state (text) | loan : loan_id (text) , loan_type (number) , cust_id (text) , branch_id (number) , amount (text);