Indicators / Consumer
Consumer loan delinquency rate
Delinquency rate on consumer loans, all commercial banks (SA).
Current
2.62%
Observation date 2026-04-01
NormalLIVE
Stress
28
Level percentile
Metric: 2.62 · Trend →Stable
History
Percentile 28
Z-score —
History since 1987-01-01
Changes
1W —
1M —
3M —
6M −0.01 pp
12M −0.13 pp
Chart
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Interpretation & scoring
Direction: Higher = more stress across consumer credit (includes cards and other consumer loans).
Stress metric: Level percentile (higher = more stress).
Mapping: point-in-time historical percentile of the metric (polarity-adjusted). Signal bands: <50 Normal · 50–75 Watch · 75–90 Elevated · ≥90 Severe.
Contribution to scores
| Score | Category / cluster | Weight | Points |
|---|---|---|---|
| Recession Stress | consumer / credit_health | 1.5% | 0.4 |
Sources & timestamps
| Series | Source | ID | Frequency | Last observation | Source last updated | Retrieved |
|---|---|---|---|---|---|---|
| Consumer loan delinquency rate (all commercial banks) | Board of Governors of the Federal Reserve System (via FRED) | DRCLACBS | Quarterly | 2026-04-01 | 2026-08-25 19:18 UTC | 2026-10-18 23:09 UTC |