Delinquency Rate on Other Consumer Loans, All Commercial Banks
Not Seasonally Adjusted
DROCLACBN • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.28
Year-over-Year Change
47.10%
Date Range
1/1/1991 - 1/1/2025
Summary
Not Seasonally Adjusted (NSA) data represents raw economic measurements without statistical adjustments for seasonal variations. This approach provides a direct view of actual economic activity, revealing unmodified data points that can be critical for understanding short-term economic fluctuations.
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 economic indicators in their original form, without accounting for predictable seasonal patterns like holiday spending or weather-related employment changes. Economists use this raw data to analyze underlying economic trends and compare month-to-month or quarter-to-quarter performance.
Methodology
Data is collected through standardized government surveys, statistical sampling, and direct reporting from businesses and economic institutions.
Historical Context
NSA data is essential for policymakers, researchers, and financial analysts who need to understand precise economic movements without smoothing effects.
Key Facts
- NSA data shows economic indicators in their original, unmodified state
- Useful for detecting immediate economic changes and short-term trends
- Provides a complementary perspective to seasonally adjusted data
FAQs
Q: What does 'Not Seasonally Adjusted' mean?
A: NSA data represents economic measurements without statistical adjustments for predictable seasonal variations. It shows raw economic activity as it actually occurs.
Q: Why is NSA data important?
A: NSA data helps economists and analysts understand immediate economic changes without smoothing effects. It provides a direct view of economic performance.
Q: How is NSA data different from seasonally adjusted data?
A: NSA data shows raw numbers without modifications, while seasonally adjusted data removes predictable fluctuations to reveal underlying trends.
Q: When should NSA data be used?
A: NSA data is most useful for short-term analysis, comparing immediate economic periods, and understanding precise economic movements.
Q: How frequently is NSA data updated?
A: NSA data is typically updated monthly or quarterly, depending on the specific economic indicator being measured.
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Citation
U.S. Federal Reserve, Not Seasonally Adjusted [DROCLACBN], retrieved from FRED.
Last Checked: 8/1/2025