Charge-Off Rate on Credit Card Loans, All Commercial Banks
Not Seasonally Adjusted
CORCCACBN • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
4.67
Year-over-Year Change
156.59%
Date Range
1/1/1985 - 1/1/2025
Summary
The Not Seasonally Adjusted (CORCCACBN) series represents raw economic data without statistical smoothing for seasonal variations. This unadjusted data provides a direct snapshot of economic activity before accounting for predictable cyclical fluctuations.
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
Economists use not seasonally adjusted data to understand raw economic performance and identify underlying trends without statistical modifications. This raw data helps reveal actual economic movements before seasonal normalization techniques are applied.
Methodology
Data is collected through comprehensive economic surveys and direct reporting from businesses and government agencies, capturing unfiltered economic activity.
Historical Context
Policymakers and financial analysts use this raw data to understand genuine economic dynamics and complement seasonally adjusted economic indicators.
Key Facts
- Represents unmodified economic data without seasonal adjustments
- Provides direct insight into economic activity
- Essential for understanding raw economic performance
FAQs
Q: What does 'Not Seasonally Adjusted' mean?
A: It means the economic data reflects actual recorded values without statistical smoothing for predictable seasonal patterns like holiday spending or weather-related variations.
Q: Why is non-seasonally adjusted data important?
A: It offers a raw, unfiltered view of economic activity, allowing analysts to see actual performance before normalization techniques are applied.
Q: How is this different from seasonally adjusted data?
A: Non-seasonally adjusted data shows the exact recorded values, while seasonally adjusted data removes predictable fluctuations to reveal underlying trends.
Q: Who uses not seasonally adjusted data?
A: Economists, policymakers, financial analysts, and researchers use this data to understand genuine economic movements and complement adjusted metrics.
Q: How often is this data updated?
A: Typically, these economic indicators are updated monthly or quarterly, depending on the specific economic series being tracked.
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Citation
U.S. Federal Reserve, Not Seasonally Adjusted [CORCCACBN], retrieved from FRED.
Last Checked: 8/1/2025