Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Credit Cards, All Commercial Banks
NCOALLCCACB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
11,842.00
Year-over-Year Change
246.76%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks the net charge-offs on credit card loans across all commercial banks in the United States, representing the value of loans deemed uncollectible. It serves as a critical metric for assessing credit risk and the financial health of consumers and the banking sector.
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
Net charge-offs reflect the total value of loans that banks have written off as unlikely to be collected, minus any recoveries of previously written-off debt. Economists use this metric to gauge consumer financial stress, credit market conditions, and potential economic downturns.
Methodology
The data is collected by the Federal Reserve through comprehensive reporting from commercial banks, tracking the total value of credit card loans written off after deducting any recovered amounts.
Historical Context
Policymakers and financial analysts use this trend to assess credit market health, inform lending practices, and predict potential economic challenges.
Key Facts
- Represents the total value of uncollectible credit card loans across U.S. commercial banks
- Indicates consumer financial stress and potential economic challenges
- Provides insights into credit market conditions and bank lending practices
FAQs
Q: What do net charge-offs indicate about the economy?
A: Net charge-offs can signal economic stress, consumer financial difficulties, and potential upcoming recession risks. Higher charge-offs typically suggest increased financial strain among consumers.
Q: How do net charge-offs impact banking strategies?
A: Banks may tighten lending standards, increase interest rates, or adjust credit limits in response to rising net charge-offs to mitigate potential financial risks.
Q: How is this metric calculated?
A: Net charge-offs are calculated by subtracting any recovered amounts from the total value of loans written off as uncollectible by commercial banks.
Q: Why are credit card charge-offs important?
A: Credit card charge-offs provide a real-time indicator of consumer financial health, credit market conditions, and potential economic challenges.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a consistent snapshot of credit card loan performance across commercial banks.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Credit Cards, All Commercial Banks [NCOALLCCACB], retrieved from FRED.
Last Checked: 8/1/2025