Delinquency Rate on Credit Card Loans, Banks Not Among the 100 Largest in Size by Assets
DRCCLOBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
7.17
Year-over-Year Change
38.68%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks the percentage of credit card loans that are past due for smaller banks not among the top 100 by asset size. It serves as a key metric for assessing consumer financial health and potential credit market stress.
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 provides insight into borrowers' ability to meet credit obligations and can signal emerging economic challenges. Economists use this metric to understand consumer financial strain and potential risks in the banking sector.
Methodology
Data is collected through regulatory reporting by banks and compiled by the Federal Reserve on a quarterly basis.
Historical Context
This indicator is used by policymakers, financial analysts, and economists to assess credit market conditions and potential economic vulnerabilities.
Key Facts
- Tracks credit card loan delinquencies for smaller banks
- Provides early warning of potential economic stress
- Reflects consumer ability to manage credit obligations
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising rate typically suggests increasing financial stress among consumers, potentially signaling economic challenges or reduced ability to repay credit card debt.
Q: Why focus on banks not among the 100 largest?
A: This subset provides insights into smaller regional and community banks, offering a more nuanced view of credit market conditions beyond major financial institutions.
Q: How is a loan considered delinquent?
A: A loan is typically classified as delinquent when payments are 30 days or more past due, indicating potential repayment difficulties.
Q: How do policymakers use this data?
A: Regulators and central bankers use this information to assess credit market health and potentially adjust monetary or regulatory policies.
Q: How often is this data updated?
A: The Federal Reserve typically updates this indicator quarterly, providing a current snapshot of credit card loan performance.
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Citation
U.S. Federal Reserve, Delinquency Rate on Credit Card Loans, Banks Not Among the 100 Largest in Size by Assets [DRCCLOBS], retrieved from FRED.
Last Checked: 8/1/2025