Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Other, All Commercial Banks
NCOALLCOACB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2,569.00
Year-over-Year Change
138.98%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks the total net charge-offs on loans and leases across all U.S. commercial banks, representing the value of loans deemed uncollectible. It serves as a critical measure of credit quality and potential financial stress in the banking system.
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 difference between loans written off as uncollectible and any recoveries of previously written-off debt, providing insight into the overall credit risk and financial health of commercial banks. Economists and financial analysts use this metric to assess lending practices, economic conditions, and potential systemic risks.
Methodology
Data is collected through regulatory reporting by commercial banks, which track and report loan charge-offs and recoveries to federal banking regulators.
Historical Context
This indicator is crucial for monetary policy makers, bank regulators, and investors in assessing the overall credit quality and potential economic challenges in the banking sector.
Key Facts
- Represents the total value of loans deemed uncollectible by commercial banks
- Provides insight into credit risk and economic conditions
- Includes charge-offs across various loan types and consumer categories
FAQs
Q: What do net charge-offs indicate about the economy?
A: Net charge-offs can signal economic stress, with higher levels potentially indicating increased financial difficulties for borrowers or weakening economic conditions.
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 or increased risk management efforts.
Q: How is this data collected?
A: Commercial banks report charge-offs and recoveries to federal regulators as part of their standard financial reporting requirements.
Q: Why do economists track this metric?
A: It provides a real-time indicator of credit quality, potential economic challenges, and the overall health of the banking sector.
Q: How often is this data updated?
A: Typically, this data is reported quarterly and updated by the Federal Reserve through the FRED economic database.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Other, All Commercial Banks [NCOALLCOACB], retrieved from FRED.
Last Checked: 8/1/2025