Charge-Off Rate on Consumer Loans, All Commercial Banks
Not Seasonally Adjusted
CORCACBN • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
3.14
Year-over-Year Change
199.05%
Date Range
1/1/1985 - 1/1/2025
Summary
The Not Seasonally Adjusted (NSA) data series represents raw economic measurements without statistical smoothing for seasonal variations. This approach provides a direct view of actual economic activity, revealing unmodified fluctuations that can be critical for granular economic 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
Not Seasonally Adjusted data captures economic indicators in their original form, without accounting for predictable seasonal patterns like holiday spending or weather-related economic shifts. Economists use NSA data to understand raw economic performance and identify underlying trends beneath cyclical variations.
Methodology
Data is collected through systematic surveys, government reporting mechanisms, and statistical sampling that captures economic activity in its unmodified state.
Historical Context
NSA data is crucial for policymakers, researchers, and analysts who need precise, unsmoothed economic measurements for detailed quarterly or annual comparisons.
Key Facts
- NSA data shows economic activity without statistical smoothing
- Useful for understanding raw economic performance
- Provides unmodified economic measurements for precise analysis
FAQs
Q: What does 'Not Seasonally Adjusted' mean?
A: Not Seasonally Adjusted means economic data is reported in its original form without removing predictable seasonal variations. This provides a direct view of raw economic activity.
Q: Why is NSA data important?
A: NSA data reveals actual economic performance without statistical modifications, allowing analysts to see unfiltered economic trends and fluctuations.
Q: How is NSA data different from Seasonally Adjusted data?
A: NSA data shows raw numbers without removing seasonal patterns, while Seasonally Adjusted data smooths out predictable variations to reveal underlying trends.
Q: When should NSA data be used?
A: NSA data is most useful for detailed quarterly or annual comparisons, and for understanding immediate economic conditions without statistical smoothing.
Q: How often is NSA data updated?
A: NSA data is typically updated according to the specific economic indicator's reporting schedule, which can range from monthly to quarterly updates.
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Citation
U.S. Federal Reserve, Not Seasonally Adjusted [CORCACBN], retrieved from FRED.
Last Checked: 8/1/2025