Delinquency Rate on Credit Card Loans, All Commercial Banks
Not Seasonally Adjusted
DRCCLACBN • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
3.10
Year-over-Year Change
79.19%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks the raw, unadjusted credit and loans data for commercial banks in the United States. The data provides a direct snapshot of lending activity without seasonal smoothing, offering insights into raw financial market dynamics.
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
Not Seasonally Adjusted (NSA) data represents the actual, unmodified numerical values collected during a specific period without statistical smoothing techniques. Economists use this raw data to understand immediate lending trends and compare month-to-month variations in credit markets.
Methodology
Data is collected directly from commercial bank reporting systems and aggregated by the Federal Reserve without applying seasonal adjustment algorithms.
Historical Context
This indicator is crucial for policymakers and financial analysts to assess real-time credit market conditions and potential economic shifts.
Key Facts
- Represents raw, unmodified lending data without seasonal adjustments
- Provides immediate insight into commercial bank credit activities
- Useful for detecting short-term financial market fluctuations
FAQs
Q: What does 'Not Seasonally Adjusted' mean?
A: It means the data reflects actual, unsmoothed values without accounting for predictable seasonal variations like holiday spending or quarterly business cycles.
Q: Why is raw, unadjusted data important?
A: Raw data helps economists identify immediate market changes and detect trends that might be masked by seasonal adjustment techniques.
Q: How often is this data updated?
A: Typically, this type of economic indicator is updated monthly by the Federal Reserve, providing current insights into lending markets.
Q: Can businesses use this data for decision-making?
A: Yes, financial professionals can use this raw data to assess current lending conditions and make short-term strategic decisions.
Q: What are the limitations of Not Seasonally Adjusted data?
A: Raw data can appear more volatile and may not reveal long-term trends as clearly as seasonally adjusted figures.
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Citation
U.S. Federal Reserve, Not Seasonally Adjusted [DRCCLACBN], retrieved from FRED.
Last Checked: 8/1/2025