Charge-Off Rate on Other Consumer Loans, All Commercial Banks
Not Seasonally Adjusted
COROCLACBN • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.25
Year-over-Year Change
177.78%
Date Range
1/1/1985 - 1/1/2025
Summary
The 'Not Seasonally Adjusted' data series represents raw economic data without statistical adjustments for seasonal variations. This unadjusted data provides a direct view 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 compare actual measurements against normalized trends. These figures capture the unmodified economic activity, revealing underlying patterns without smoothing seasonal impacts.
Methodology
Data is collected through systematic government surveys, financial reporting, and statistical sampling methods that capture economic transactions and activities in their original, unmodified state.
Historical Context
Policymakers and analysts use this data to analyze baseline economic performance, identify immediate trends, and complement seasonally adjusted statistical analyses.
Key Facts
- Represents unmodified economic data without seasonal smoothing
- Provides direct insight into raw economic activity
- Essential for understanding baseline economic performance
FAQs
Q: What does 'Not Seasonally Adjusted' mean?
A: It means the economic data reflects actual measurements without statistical modifications to remove predictable seasonal variations. The data shows raw economic activity as it occurred.
Q: Why are seasonal adjustments important?
A: Seasonal adjustments help economists compare economic data across different periods by removing predictable fluctuations like holiday spending or weather-related economic changes.
Q: How is this data different from seasonally adjusted data?
A: Not seasonally adjusted data shows the actual, unadjusted economic measurements, while seasonally adjusted data removes predictable cyclical variations to reveal underlying trends.
Q: Who uses not seasonally adjusted data?
A: Economists, policymakers, researchers, and financial analysts use this data to understand raw economic performance and complement seasonally adjusted analyses.
Q: How often is this data updated?
A: Update frequency varies by specific economic indicator, but many government and federal economic datasets are updated monthly or quarterly.
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Citation
U.S. Federal Reserve, Not Seasonally Adjusted [COROCLACBN], retrieved from FRED.
Last Checked: 8/1/2025