Delinquency Rate on Other Consumer Loans, All Commercial Banks
DROCLACBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.38
Year-over-Year Change
44.24%
Date Range
1/1/1991 - 1/1/2025
Summary
The Delinquency Rate on Other Consumer Loans tracks the percentage of consumer loans that are past due in the U.S. banking system. This metric provides critical insight into 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
This economic indicator measures the proportion of consumer loans that are 30 days or more past due across all commercial banks. Economists use this trend to assess consumer financial stability, credit risk, and potential economic challenges.
Methodology
Data is collected through mandatory reporting by commercial banks to federal regulatory agencies, tracking loan payment status across various consumer loan categories.
Historical Context
Policymakers and financial analysts use this trend to evaluate consumer credit conditions, potential economic downturns, and overall financial system resilience.
Key Facts
- Represents loans that are 30+ days past due across all commercial banks
- Indicates consumer financial stress and potential economic challenges
- Tracked as a percentage of total consumer loan portfolio
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 repay loans.
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 commercial banks.
Q: What types of loans are included in this metric?
A: The metric includes various consumer loans such as personal loans, credit card debt, and other non-mortgage consumer credit products.
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 data?
A: The metric only captures loans from commercial banks and may not fully represent alternative lending sources or the entire consumer credit landscape.
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Citation
U.S. Federal Reserve, Delinquency Rate on Other Consumer Loans, All Commercial Banks [DROCLACBS], retrieved from FRED.
Last Checked: 8/1/2025