Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Credit Cards, Banks Ranked 1st to 100th Largest in Size by Assets
NCOALLCCT100B • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
11,201.00
Year-over-Year Change
259.70%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks net charge-offs on credit card loans for the 100 largest U.S. banks, representing the value of loans deemed uncollectible. It serves as a critical measure of credit risk and banking sector health.
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 written off as unlikely to be recovered, minus any recoveries of previously charged-off debt. Economists use this metric to assess consumer financial stress, bank lending practices, and potential economic downturns.
Methodology
Data is collected by the Federal Reserve through regulatory reporting, aggregating charge-off information from the 100 largest banks by total assets.
Historical Context
This indicator is used by policymakers, financial regulators, and investors to evaluate credit market conditions and potential systemic risks in the banking sector.
Key Facts
- Measures the value of credit card loans written off by top 100 U.S. banks
- Indicates potential financial stress in consumer credit markets
- Provides insight into bank lending quality and economic conditions
FAQs
Q: What does a high net charge-off rate indicate?
A: A high net charge-off rate suggests increased financial stress among consumers and potentially higher credit risk for banks.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of credit market conditions.
Q: Why are only the top 100 banks included?
A: These banks represent the majority of total banking assets in the United States, providing a comprehensive view of the banking sector.
Q: How do net charge-offs impact bank performance?
A: Higher net charge-offs can reduce bank profitability and may lead to more conservative lending practices.
Q: What limitations exist in this data?
A: The metric only covers the largest banks and may not fully represent smaller regional or community banking institutions.
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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 Ranked 1st to 100th Largest in Size by Assets [NCOALLCCT100B], retrieved from FRED.
Last Checked: 8/1/2025