Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Credit Cards, Banks Not Among the 100 Largest in Size by Assets
NCOALLCCOB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
641.00
Year-over-Year Change
112.96%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks net charge-offs on credit card loans for smaller banks, revealing the rate at which these institutions are writing off uncollectible consumer credit card debt. It serves as a critical metric for assessing credit risk and financial health in 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 represent the total value of loans that banks have determined are unlikely to be collected, providing insight into consumer credit performance and potential economic stress. Economists use this metric to gauge credit quality, consumer financial stability, and potential risks in the banking system.
Methodology
Data is collected through regulatory reporting, where banks document the value of credit card loans written off after determining they are unlikely to be recovered, net of any recoveries.
Historical Context
This indicator is used by policymakers, financial regulators, and market analysts to assess credit market conditions and potential economic vulnerabilities.
Key Facts
- Measures net charge-offs for smaller banks' credit card portfolios
- Indicates potential credit risk and consumer financial stress
- Provides insights into banking sector credit performance
FAQs
Q: What does a net charge-off represent?
A: A net charge-off is the value of a loan that a bank has determined is unlikely to be collected, after subtracting any recovered amounts.
Q: Why are net charge-offs important?
A: They provide a key indicator of credit quality, consumer financial health, and potential economic stress in the banking sector.
Q: How are net charge-offs calculated?
A: Banks calculate net charge-offs by subtracting any recovered amounts from the total value of loans deemed uncollectible.
Q: What do rising net charge-offs suggest?
A: Increasing net charge-offs may indicate growing financial stress among consumers or deteriorating economic conditions.
Q: How frequently is this data updated?
A: Typically, this data is reported quarterly by banks to regulatory authorities and published by the Federal Reserve.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Credit Cards, Banks Not Among the 100 Largest in Size by Assets [NCOALLCCOB], retrieved from FRED.
Last Checked: 8/1/2025