Delinquency Rate on All Loans, All Commercial Banks
Seasonally Adjusted
DRALACBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.56
Year-over-Year Change
25.81%
Date Range
1/1/1985 - 1/1/2025
Summary
Seasonally adjusted data removes predictable seasonal variations to reveal underlying economic trends more clearly. This statistical technique allows for more accurate comparisons across different time periods by filtering out cyclical fluctuations.
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
Economists use seasonally adjusted data to analyze true economic performance by eliminating recurring patterns caused by weather, holidays, and annual events. The adjustment helps policymakers and analysts understand the fundamental trajectory of economic indicators without seasonal noise.
Methodology
Statistical agencies like the Bureau of Labor Statistics use complex mathematical models to identify and remove seasonal patterns from raw economic data.
Historical Context
Seasonally adjusted data is critical for making informed policy decisions, investment strategies, and macroeconomic forecasting across various sectors.
Key Facts
- Seasonal adjustments help reveal underlying economic trends
- Removes predictable cyclical variations from economic data
- Used across multiple economic indicators and sectors
FAQs
Q: Why is seasonal adjustment important?
A: Seasonal adjustment allows economists to compare economic data across different time periods by removing predictable fluctuations. This provides a clearer view of true economic performance.
Q: How often are seasonal adjustments made?
A: Seasonal adjustments are typically updated quarterly or annually, depending on the specific economic indicator and data source.
Q: What types of economic data use seasonal adjustment?
A: Employment figures, retail sales, industrial production, and GDP are common economic indicators that frequently use seasonal adjustment techniques.
Q: Can seasonal adjustment be applied to any dataset?
A: Not all datasets are suitable for seasonal adjustment. The data must have clear, recurring patterns that can be statistically identified and removed.
Q: What are the limitations of seasonal adjustment?
A: Seasonal adjustment can sometimes over-smooth data and potentially mask important short-term economic signals. Analysts must use multiple analytical techniques for comprehensive insights.
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Citation
U.S. Federal Reserve, Seasonally Adjusted [DRALACBS], retrieved from FRED.
Last Checked: 8/1/2025