Delinquency Rate on Consumer Loans, All Commercial Banks
Not Seasonally Adjusted
DRCLACBN • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.73
Year-over-Year Change
67.48%
Date Range
1/1/1987 - 1/1/2025
Summary
Not Seasonally Adjusted (NSA) data represents raw economic measurements without statistical modifications to account for predictable seasonal variations. This approach provides a direct view of actual economic activity before standard seasonal adjustments are applied.
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
NSA data captures the raw economic measurements as they occur, without smoothing out predictable fluctuations caused by seasonal patterns like holidays, weather, or annual business cycles. Economists use this raw data to understand underlying economic trends and compare month-to-month or quarter-to-quarter performance.
Methodology
Data is collected through direct reporting from government agencies, financial institutions, and economic surveys, then presented without statistical smoothing techniques.
Historical Context
NSA data is critical for policymakers and analysts who need to understand precise economic movements without artificial statistical manipulations.
Key Facts
- NSA data shows economic measurements in their original, unmodified state
- Useful for understanding immediate economic conditions
- Provides transparency in economic reporting
FAQs
Q: Why is Not Seasonally Adjusted data important?
A: NSA data provides a raw, unfiltered view of economic activity without statistical smoothing. It allows analysts to see actual economic performance before seasonal adjustments.
Q: How does NSA differ from Seasonally Adjusted data?
A: NSA data shows raw numbers without accounting for predictable seasonal variations, while Seasonally Adjusted data removes these cyclical patterns to reveal underlying trends.
Q: When should NSA data be used?
A: NSA data is most useful for short-term comparisons, immediate economic assessments, and understanding direct economic movements without statistical interventions.
Q: Are there limitations to NSA data?
A: NSA data can be misleading due to seasonal fluctuations that can obscure long-term economic trends. It should be used in conjunction with seasonally adjusted data for comprehensive analysis.
Q: How frequently is NSA data updated?
A: Most economic indicators are updated monthly or quarterly, depending on the specific economic metric being measured.
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Citation
U.S. Federal Reserve, Not Seasonally Adjusted [DRCLACBN], retrieved from FRED.
Last Checked: 8/1/2025