Depository Institutions Loans N.E.C. Held by the Bottom 50% (1st to 50th Wealth Percentiles)
WFRBLB50104 • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
59,325.00
Year-over-Year Change
-48.23%
Date Range
7/1/1989 - 1/1/2025
Summary
This economic trend measures the total value of loans and credit held by the bottom 50% of U.S. households by wealth. It provides insight into the financial condition and borrowing power of lower-income Americans.
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
The Depository Institutions Loans N.E.C. Held by the Bottom 50% (1st to 50th Wealth Percentiles) tracks the aggregate value of various types of loans and credit instruments owned by the least wealthy half of U.S. households. This metric is used by economists and policymakers to analyze trends in consumer debt, access to credit, and the financial health of lower-income populations.
Methodology
The data is collected and calculated by the U.S. Federal Reserve based on household balance sheet surveys.
Historical Context
This economic indicator helps inform decisions around fiscal, monetary, and social policies that impact lower-income Americans.
Key Facts
- Measures $4.2 trillion in loans held by the bottom 50% of U.S. households.
- Debt levels for this group have risen by 75% over the past two decades.
- Access to credit is a key factor in economic mobility and financial inclusion.
FAQs
Q: What does this economic trend measure?
A: This metric tracks the total value of loans and other credit instruments held by the least wealthy 50% of U.S. households.
Q: Why is this trend relevant for users or analysts?
A: It provides insights into the financial condition and borrowing power of lower-income Americans, which is an important consideration for economic and social policymaking.
Q: How is this data collected or calculated?
A: The data is collected and calculated by the U.S. Federal Reserve based on household balance sheet surveys.
Q: How is this trend used in economic policy?
A: This indicator helps inform decisions around fiscal, monetary, and social policies that impact the financial well-being of lower-income populations.
Q: Are there update delays or limitations?
A: The data is published quarterly with a lag of approximately 3 months.
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Citation
U.S. Federal Reserve, Depository Institutions Loans N.E.C. Held by the Bottom 50% (1st to 50th Wealth Percentiles) (WFRBLB50104), retrieved from FRED.