Asset Quality Measures, Delinquencies on All Loans and Leases, To Consumers, All Commercial Banks
DALLCACBEP • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
49,657.00
Year-over-Year Change
75.45%
Date Range
1/1/1987 - 1/1/2025
Summary
This economic indicator tracks the percentage of consumer loans that are delinquent across all commercial banks in the United States. It serves as a critical measure of consumer financial health and potential credit market stress.
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
The delinquency rate reflects the proportion of loans where borrowers have fallen behind on payments, typically by 30 days or more. Economists use this metric to assess consumer financial stability, credit risk, and potential early warning signs of economic downturn.
Methodology
Data is collected through mandatory reporting by commercial banks to federal regulatory agencies, tracking the percentage of consumer loan balances that are past due.
Historical Context
Policymakers and financial analysts use this trend to evaluate credit market conditions, potential banking sector risks, and broader economic resilience.
Key Facts
- Tracks percentage of consumer loans past due across U.S. commercial banks
- Provides insight into consumer financial stress and credit market conditions
- Considered a leading indicator of potential economic challenges
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate typically suggests increasing financial stress among consumers and potential economic challenges.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of consumer loan performance.
Q: Why do economists care about loan delinquencies?
A: Loan delinquencies can signal broader economic issues like unemployment, reduced income, or declining consumer confidence.
Q: How does this metric impact banking policy?
A: High delinquency rates may prompt banks to tighten lending standards or adjust risk management strategies.
Q: What are the limitations of this data?
A: The metric represents aggregate data and may not capture nuanced regional or sector-specific variations in loan performance.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Delinquencies on All Loans and Leases, To Consumers, All Commercial Banks [DALLCACBEP], retrieved from FRED.
Last Checked: 8/1/2025