Asset Quality Measures, Delinquencies on All Loans and Leases, To Consumers, Other, Banks Ranked 1st to 100th Largest in Size by Assets
DALLOCT100EP • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
16,418.00
Year-over-Year Change
18.03%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks delinquency rates on consumer loans across the top 100 largest U.S. banks by asset size. It provides critical insight into consumer financial stress and potential credit market risks.
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 metric represents the percentage of consumer loans that are past due, serving as a key barometer of borrower financial health and bank lending performance. Economists use this trend to assess credit market conditions and potential economic strain.
Methodology
Data is collected through regulatory reporting by banks, tracking the proportion of loans that have missed scheduled payments beyond standard grace periods.
Historical Context
Policymakers and financial regulators use this trend to monitor potential systemic risks and inform monetary and lending policy decisions.
Key Facts
- Tracks delinquency rates across top 100 U.S. banks
- Provides early warning of potential economic stress
- Measures loans past due beyond standard payment periods
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 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 do banks respond to increasing delinquency rates?
A: Banks may tighten lending standards, increase reserve requirements, or adjust interest rates to mitigate potential credit risks.
Q: What are the limitations of this data?
A: The metric only covers the top 100 banks and may not fully represent smaller regional or community lending institutions.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Delinquencies on All Loans and Leases, To Consumers, Other, Banks Ranked 1st to 100th Largest in Size by Assets [DALLOCT100EP], retrieved from FRED.
Last Checked: 8/1/2025