Asset Quality Measures, Delinquencies on All Loans and Leases, To Consumers, Credit Cards, Banks Ranked 1st to 100th Largest in Size by Assets
DALLCCT100EP • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
29,298.00
Year-over-Year Change
144.46%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks credit card delinquency rates for the 100 largest U.S. banks, providing insight into consumer financial health and credit risk. It serves as a critical early warning signal for potential economic stress and consumer lending patterns.
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 trend measures the percentage of credit card loans that are past due, reflecting consumers' ability to meet financial obligations and banks' lending risk. Economists use this metric to assess credit market conditions, consumer financial stress, and potential economic downturns.
Methodology
Data is collected through regulatory reporting by banks, tracking the proportion of credit card loans that are 30 days or more past due among the top 100 banks by asset size.
Historical Context
Policymakers and financial regulators use this data to monitor credit market stability, inform monetary policy decisions, and assess potential systemic financial risks.
Key Facts
- Tracks delinquency rates for credit card loans among top 100 U.S. banks
- Provides early indicator of consumer financial stress
- Helps assess potential economic risks in the credit market
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate suggests increasing financial strain on consumers and potentially higher credit risk for banks.
Q: How often is this data updated?
A: The data is typically updated quarterly by the Federal Reserve as part of its comprehensive bank reporting.
Q: Why focus on the top 100 banks?
A: The top 100 banks represent a significant portion of the U.S. banking system, providing a representative view of credit market conditions.
Q: How do economists use this data?
A: Economists analyze this trend to assess consumer financial health, predict potential economic downturns, and inform policy decisions.
Q: What are the limitations of this indicator?
A: The data only covers the largest banks and may not fully represent smaller regional or local lending institutions.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Delinquencies on All Loans and Leases, To Consumers, Credit Cards, Banks Ranked 1st to 100th Largest in Size by Assets [DALLCCT100EP], retrieved from FRED.
Last Checked: 8/1/2025