Delinquency Rate on Consumer Loans, Banks Not Among the 100 Largest in Size by Assets
Not Seasonally Adjusted
DRCLOBN • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.76
Year-over-Year Change
43.75%
Date Range
1/1/1987 - 1/1/2025
Summary
Not Seasonally Adjusted (DRCLOBN) represents raw economic data without statistical modifications to account for predictable seasonal variations. This unadjusted data provides a direct view of actual economic measurements before standard smoothing techniques 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
Economists use Not Seasonally Adjusted data to understand raw economic performance without artificial smoothing of cyclical patterns. This raw data helps analyze underlying economic trends and specific time period variations that might be masked by seasonal adjustments.
Methodology
Data is collected through direct economic measurements and reported without applying seasonal correction algorithms.
Historical Context
Policymakers and financial analysts use this raw data to understand precise economic conditions and validate seasonally adjusted statistical models.
Key Facts
- Represents unmodified economic data without seasonal adjustments
- Provides direct insight into raw economic performance
- Essential for understanding granular economic variations
FAQs
Q: What does 'Not Seasonally Adjusted' mean?
A: It means economic data is reported in its original form without statistical modifications to remove predictable seasonal patterns.
Q: Why is unadjusted data important?
A: Unadjusted data reveals actual economic performance without smoothing, helping analysts understand precise economic conditions.
Q: How is Not Seasonally Adjusted data different from adjusted data?
A: Unadjusted data shows raw numbers, while seasonally adjusted data removes predictable fluctuations to reveal underlying trends.
Q: When should economists use Not Seasonally Adjusted data?
A: It's most useful for analyzing specific time periods, understanding raw economic performance, and validating seasonal adjustment models.
Q: How frequently is this data updated?
A: Update frequency varies by specific economic indicator, but most federal economic data is updated monthly or quarterly.
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Citation
U.S. Federal Reserve, Not Seasonally Adjusted [DRCLOBN], retrieved from FRED.
Last Checked: 8/1/2025