Delinquency Rate on Credit Card Loans, Banks Ranked 1st to 100th Largest in Size by Assets
DRCCLT100S • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.93
Year-over-Year Change
85.44%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks the percentage of credit card loans that are delinquent among the top 100 largest U.S. banks by asset size. It serves as a critical barometer of consumer financial health and potential economic 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 reflects the proportion of credit card loans that are past due, typically by 90 days or more, within the largest banking institutions. Economists use this metric to assess consumer financial strain, credit risk, and potential early warning signs of economic downturn.
Methodology
Data is collected through regulatory reporting requirements, where banks report the percentage of their credit card loan portfolios that are seriously delinquent.
Historical Context
This trend is closely monitored by policymakers, financial regulators, and market analysts to understand consumer credit behavior and potential systemic financial risks.
Key Facts
- Represents delinquency rates for credit card loans in the largest 100 U.S. banks
- Provides insight into consumer financial stress and credit market conditions
- Fluctuates with economic cycles and consumer financial health
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate typically suggests increasing financial stress among consumers, potentially signaling economic challenges or reduced ability to meet credit obligations.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of credit card loan performance.
Q: Why focus on the top 100 banks?
A: These banks represent a significant portion of the U.S. banking system, providing a comprehensive view of credit card loan performance across major financial institutions.
Q: How do economists use this data?
A: Economists analyze this trend to assess consumer financial health, predict potential economic downturns, and understand credit market conditions.
Q: What are the limitations of this indicator?
A: The data only covers the largest 100 banks and may not fully represent smaller financial institutions or alternative lending platforms.
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Citation
U.S. Federal Reserve, Delinquency Rate on Credit Card Loans, Banks Ranked 1st to 100th Largest in Size by Assets [DRCCLT100S], retrieved from FRED.
Last Checked: 8/1/2025