Charge-Off Rate on All Loans, All Commercial Banks
Seasonally Adjusted
CORALACBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.64
Year-over-Year Change
204.76%
Date Range
1/1/1985 - 1/1/2025
Summary
Seasonally adjusted data removes predictable seasonal variations to reveal underlying economic trends more clearly. This technique allows economists and policymakers to compare economic indicators across different times of the year without seasonal fluctuations distorting the analysis.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
Seasonal adjustments help neutralize predictable calendar-related patterns that can obscure true economic performance. Economists use this method to understand the fundamental trajectory of economic indicators like employment, retail sales, and industrial production.
Methodology
Statistical agencies like the U.S. Bureau of Labor Statistics use complex mathematical models to identify and remove recurring seasonal patterns from raw economic data.
Historical Context
Seasonally adjusted data is critical for making accurate economic forecasts, policy decisions, and understanding long-term economic trends.
Key Facts
- Seasonal adjustments help reveal underlying economic trends
- Removes predictable calendar-based variations from economic data
- Used across multiple economic indicators and industries
FAQs
Q: Why are seasonal adjustments important?
A: Seasonal adjustments allow for more accurate comparisons of economic data by removing predictable fluctuations caused by seasonal patterns like holidays or weather.
Q: How do seasonal adjustments work?
A: Economists use statistical models to identify and remove recurring seasonal patterns, revealing the true underlying economic trend.
Q: What types of data are typically seasonally adjusted?
A: Employment figures, retail sales, industrial production, and GDP are commonly seasonally adjusted to provide more meaningful economic insights.
Q: Can seasonal adjustments be applied to any economic data?
A: While most economic indicators can be seasonally adjusted, the effectiveness depends on the presence of clear, predictable seasonal patterns.
Q: How often are seasonal adjustment calculations updated?
A: Seasonal adjustment models are typically reviewed and updated annually to ensure they accurately reflect current economic patterns.
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Citation
U.S. Federal Reserve, Seasonally Adjusted [CORALACBS], retrieved from FRED.
Last Checked: 8/1/2025