Charge-Off Rate on Other Consumer Loans, Banks Not Among the 100 Largest in Size by Assets
COROCLOBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.41
Year-over-Year Change
200.00%
Date Range
1/1/1985 - 1/1/2025
Summary
The Charge-Off Rate on Other Consumer Loans for smaller banks tracks the percentage of consumer loans that are deemed uncollectible by financial institutions not among the top 100 in asset size. This metric provides critical insight into consumer credit health and potential economic stress in smaller banking institutions.
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
This economic indicator measures the rate at which consumer loans are written off as losses by smaller banks, reflecting borrower repayment challenges and overall credit market conditions. Economists use this trend to assess consumer financial stability, credit risk, and potential economic downturns.
Methodology
The data is collected through regulatory reporting, where banks calculate the percentage of loan balances written off as uncollectible during a specific reporting period.
Historical Context
Policymakers and financial regulators use this trend to monitor credit market health, assess potential systemic risks, and inform monetary and lending policy decisions.
Key Facts
- Tracks loan write-offs for smaller banks outside the top 100 by asset size
- Indicates consumer loan performance and potential economic stress
- Provides insights into credit market conditions and borrower repayment capacity
FAQs
Q: What does a rising charge-off rate indicate?
A: A rising charge-off rate suggests increasing financial stress among consumers and potential economic challenges, with more loans becoming uncollectible.
Q: How often is this data updated?
A: The charge-off rate is typically updated quarterly by the Federal Reserve as part of standard financial reporting requirements.
Q: Why focus on banks not among the 100 largest?
A: Smaller banks often serve different market segments and can provide unique insights into regional and community-level economic conditions.
Q: How do charge-off rates impact lending practices?
A: Higher charge-off rates can lead banks to tighten lending standards, reduce credit availability, and increase borrowing costs for consumers.
Q: What are the limitations of this metric?
A: The metric only covers smaller banks and may not fully represent the entire banking sector's credit performance, requiring complementary data for comprehensive analysis.
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Citation
U.S. Federal Reserve, Charge-Off Rate on Other Consumer Loans, Banks Not Among the 100 Largest in Size by Assets [COROCLOBS], retrieved from FRED.
Last Checked: 8/1/2025