Asset Quality Measures, Delinquencies on All Loans and Leases, To Consumers, Other, All Commercial Banks
DALLOCACBEP • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
18,409.00
Year-over-Year Change
21.99%
Date Range
1/1/1991 - 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 credit risk and consumer financial health.
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 that are past due, providing insights into borrower repayment capacity and potential economic stress. Economists use this metric to assess consumer financial stability and predict potential credit market challenges.
Methodology
Data is collected through regulatory reporting by commercial banks, tracking loans that are 30 days or more past due relative to total outstanding loan balances.
Historical Context
Policymakers and financial regulators use this trend to monitor credit market conditions and assess potential risks in consumer lending.
Key Facts
- Measures the percentage of consumer loans that are past due
- Indicates potential financial stress in the consumer credit market
- Tracked across all commercial banks in the United States
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 delinquency rates?
A: Delinquency rates provide early warning signs of potential economic downturns and consumer financial health.
Q: How does this metric impact lending practices?
A: Banks may tighten lending standards or adjust interest rates in response to increasing delinquency rates.
Q: What are the limitations of this data?
A: The metric only captures loans that are 30 days or more past due and does not reflect the full complexity of individual borrower situations.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Delinquencies on All Loans and Leases, To Consumers, Other, All Commercial Banks [DALLOCACBEP], retrieved from FRED.
Last Checked: 8/1/2025