Revolving Consumer Credit Owned by Credit Unions
REVOLNCU • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
85,877.37
Year-over-Year Change
4.11%
Date Range
1/1/1984 - 6/1/2025
Summary
This economic indicator tracks the total amount of revolving credit held by credit unions in the United States. It provides insight into consumer borrowing patterns and credit accessibility through credit union financial services.
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
Revolving consumer credit represents ongoing credit lines like credit cards where consumers can borrow, repay, and reborrow up to a set limit. Economists analyze this metric to understand consumer financial health, spending behavior, and potential economic stress or resilience.
Methodology
The data is collected through periodic reporting by credit unions to federal financial regulatory agencies, aggregating total revolving credit balances.
Historical Context
Policymakers and financial analysts use this trend to assess consumer credit demand, potential economic stimulus, and credit market dynamics.
Key Facts
- Credit unions are member-owned financial cooperatives offering alternative lending options
- Revolving credit provides flexible borrowing capabilities for consumers
- This metric reflects broader consumer financial strategies and economic conditions
FAQs
Q: What is revolving consumer credit?
A: Revolving credit is a type of loan that allows repeated borrowing up to a credit limit, with flexible repayment options. Credit cards are the most common form of revolving credit.
Q: Why do credit unions matter in consumer lending?
A: Credit unions often offer more personalized services and potentially lower interest rates compared to traditional banks, providing alternative lending options for consumers.
Q: How frequently is REVOLNCU data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of credit union revolving credit trends.
Q: What can changes in revolving credit indicate?
A: Increases might suggest consumer confidence and spending, while decreases could signal economic caution or financial stress.
Q: Are there limitations to this economic indicator?
A: The data only represents credit union lending and does not capture the entire consumer credit market, which includes bank and other financial institution lending.
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Nonrevolving Consumer Credit Owned by Nonprofit and Educational Institutions, Flow
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Nonrevolving Consumer Credit Owned and Securitized by Nonfinancial Business, Flow
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Revolving Consumer Credit Owned by Nonfinancial Business, Flow
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Nonrevolving Consumer Credit Owned by Nonfinancial Business
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Citation
U.S. Federal Reserve, Revolving Consumer Credit Owned by Credit Unions [REVOLNCU], retrieved from FRED.
Last Checked: 8/1/2025