Delinquency Rate on Other Consumer Loans, Banks Ranked 1st to 100th Largest in Size by Assets
DROCLT100S • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.46
Year-over-Year Change
45.56%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks the percentage of other consumer loans that are past due among the 100 largest U.S. banks by asset size. 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 reflects the proportion of loans not being repaid on schedule, providing insights into consumer financial strain and potential economic challenges. Economists use this metric to assess credit risk, consumer behavior, and broader economic conditions.
Methodology
Data is collected through regulatory reporting by banks, tracking loans that are 30 days or more past due relative to the total outstanding loan balance.
Historical Context
Policymakers and financial analysts use this trend to evaluate consumer credit markets, potential economic downturns, and banking sector risk.
Key Facts
- Measures loan delinquencies among top 100 U.S. banks by asset size
- Indicates potential consumer financial stress
- Provides early warning signals for economic challenges
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate suggests increasing financial strain among consumers and potential economic challenges. It may signal higher unemployment or reduced income levels.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a consistent snapshot of consumer loan performance across major banks.
Q: What types of loans are included in this metric?
A: The metric covers other consumer loans beyond mortgages and credit cards, including personal loans, auto loans, and other consumer credit products.
Q: How do economists use this data?
A: Economists use this trend to assess consumer financial health, predict potential economic downturns, and understand credit market conditions.
Q: What are the limitations of this indicator?
A: The data only covers the 100 largest banks and may not fully represent smaller financial institutions or alternative lending markets.
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Citation
U.S. Federal Reserve, Delinquency Rate on Other Consumer Loans, Banks Ranked 1st to 100th Largest in Size by Assets [DROCLT100S], retrieved from FRED.
Last Checked: 8/1/2025