Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Banks Ranked 1st to 100th Largest in Size by Assets
NCOALLCT100B • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
13,384.00
Year-over-Year Change
228.28%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks net charge-offs on consumer loans for the top 100 U.S. banks by asset size, providing insight into credit quality and potential financial stress. It serves as a critical metric for understanding consumer lending 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 represent the total value of loans that banks have written off as uncollectible, minus any recoveries of previously written-off debt. Economists and financial analysts use this metric to assess credit risk, banking sector stability, and potential economic pressures on consumer lending.
Methodology
Data is collected through regulatory reporting requirements, where banks document loan defaults and write-offs according to standardized accounting practices.
Historical Context
This trend is closely monitored by Federal Reserve policymakers, bank regulators, and financial market analysts to gauge economic conditions and potential systemic risks.
Key Facts
- Measures net loan charge-offs for top 100 U.S. banks by asset size
- Indicates potential credit quality issues in consumer lending
- Provides early warning signals for economic stress
FAQs
Q: What does a net charge-off represent?
A: A net charge-off is the amount of debt a bank determines is unlikely to be collected, after subtracting any potential recoveries.
Q: Why are net charge-offs important?
A: They provide insight into the credit quality of bank loans and can signal broader economic challenges or consumer financial stress.
Q: How often is this data updated?
A: Typically, this data is reported quarterly by banks to regulatory authorities and published by the Federal Reserve.
Q: What can high net charge-offs indicate?
A: Elevated net charge-offs may suggest economic downturn, increased unemployment, or deteriorating consumer financial health.
Q: How do economists use this data?
A: Economists analyze net charge-offs to assess credit market conditions, banking sector stability, and potential economic risks.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Banks Ranked 1st to 100th Largest in Size by Assets [NCOALLCT100B], retrieved from FRED.
Last Checked: 8/1/2025