Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Single Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks
NCOALLSRE1FRMACB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-27.00
Year-over-Year Change
-78.05%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks net charge-offs on single-family residential mortgages across all commercial banks in the United States. It provides critical insight into loan performance and potential credit quality risks in the housing market.
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 value of loans that banks have determined are unlikely to be collected, which serves as a key metric for assessing credit risk and banking sector health. Economists use this data to understand lending practices, potential economic stress, and the overall stability of residential real estate financing.
Methodology
Data is collected through regulatory reporting by commercial banks, tracking the total value of loans written off after accounting for recoveries and loan loss reserves.
Historical Context
This metric is closely monitored by financial regulators, policymakers, and investors as an early warning indicator of potential economic downturns or credit market challenges.
Key Facts
- Measures the value of residential mortgage loans written off by commercial banks
- Indicates potential credit risk in the housing market
- Provides insight into overall economic and lending conditions
FAQs
Q: What do net charge-offs indicate about the housing market?
A: Net charge-offs reflect the quality of mortgage loans and potential financial stress in the housing sector. Higher charge-offs can suggest increased default risks or economic challenges.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a consistent view of mortgage loan performance across commercial banks.
Q: Why are net charge-offs important for investors?
A: Investors use this metric to assess the health of banks, potential credit market risks, and overall economic stability in the real estate sector.
Q: How do net charge-offs relate to economic cycles?
A: Net charge-offs tend to increase during economic downturns when borrowers face more difficulty repaying loans, making it a leading indicator of economic stress.
Q: What limitations exist in interpreting this data?
A: While informative, net charge-offs represent historical data and should be considered alongside other economic indicators for a comprehensive analysis.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Single Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks [NCOALLSRE1FRMACB], retrieved from FRED.
Last Checked: 8/1/2025