Delinquency Rate on Consumer Loans, Banks Ranked 1st to 100th Largest in Size by Assets
DRCLT100S • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.76
Year-over-Year Change
69.33%
Date Range
1/1/1987 - 1/1/2025
Summary
This economic indicator tracks the percentage of consumer loans that are delinquent among the top 100 largest U.S. banks by total assets. It serves as a critical barometer of 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 reveals how many borrowers are falling behind on loan payments, providing insights into consumer financial strain and potential economic challenges. Economists use this metric to assess credit risk, consumer spending capacity, and overall economic resilience.
Methodology
Data is collected quarterly by the Federal Reserve through comprehensive bank reporting and statistical sampling of consumer loan portfolios.
Historical Context
Policymakers and financial regulators use this trend to monitor potential systemic risks and inform monetary and lending policy decisions.
Key Facts
- Tracks delinquency rates across the largest 100 U.S. banks
- Provides early warning signals for potential economic downturns
- Reflects consumer financial stress and lending market conditions
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate suggests increasing financial stress among consumers and potential economic challenges. It may signal higher unemployment, reduced income, or broader economic instability.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of consumer loan performance across major U.S. banks.
Q: What types of loans are included in this metric?
A: The metric includes various consumer loans such as personal loans, credit cards, auto loans, and other consumer credit instruments.
Q: How do economists use this data?
A: Economists analyze this trend to assess consumer financial health, predict potential economic slowdowns, and understand credit market dynamics.
Q: What are the limitations of this data?
A: The metric only covers the top 100 banks and may not fully represent smaller regional or community lending institutions, potentially missing nuanced local economic variations.
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Citation
U.S. Federal Reserve, Delinquency Rate on Consumer Loans, Banks Ranked 1st to 100th Largest in Size by Assets [DRCLT100S], retrieved from FRED.
Last Checked: 8/1/2025