#229 Top 500 Most Distressed Counties · 2026

Union County, Arkansas

Most distressed fifth 229th of 3,144 counties nationally · 37,397 residents How this is calculated →
The headline number
11% Union residents
vs.
5% U.S. median

More than double the national median for auto loan delinquency.

Urban Institute (2024)

Main Findings

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Union County, Arkansas ranks 229th most distressed in the United States on the County Distress Index. The driver: 11% of auto loan accounts are 60+ days past due — more than double the national median of 5%.

Key Findings
  • 229th of 3,144 counties on the County Distress Index — Most distressed fifth, 17th in Arkansas.
  • 11% of auto loan accounts are 60+ days past due (U.S. median 5%). Auto loan delinquency at the 96th percentile nationally.
  • Bankruptcy filing rate at 305 — national median 126, ranked at the 92nd percentile.
  • Unemployment at 4% — national median 4%, ranked at the 78th percentile.
  • Poverty rate at 19% — national median 14%, ranked at the 82nd percentile.
Distinctive Signals
Labor–Credit Divergence

Unemployment is 4%, near the national median of 4%, while auto loan delinquency runs at the 96th percentile. Jobs exist; wages don't close the gap.

Boundary Signal

Neighbors span two CDI distress fifths. The 36-point drop to Calhoun County marks where the Arkansas distress corridor ends.

County Distress Index cluster map. Union County, Arkansas and its neighbors colored by distress fifth.
Union and its 7 geographic neighbors, graded by County Distress Index score. Union County ranks 229th of 3,144. American Default Research
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"Union County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated."

— Ross Kilburn, Founder, American Default Research
Analyst quote — for feature use 29 words

"The CDI places this county in the most distressed fifth nationally. The rank is the important geography signal: it compares the county with every other county-equivalent in the release."

— Ross Kilburn, Founder, American Default Research

The Indicators Behind Union County's CDI Score

Every number traces to a public source. Union County's value shown alongside AR's median and the U.S. median. Full CSV available for download.

How to read the table. A domain score is a 0–100 composite of the indicators in that domain, where 50 = U.S. county median and higher = more distressed. Percentile is Union County's national rank among all 3,144 U.S. counties for that indicator, always oriented so higher = more distressed.
Indicator Union AR median U.S. median Pctile Source
Delinquency — domain score 91 · Rank 176 of 3,144
Auto loan delinquency Share of auto loan accounts 60+ days past due 11% 7% 5% 96th Urban Institute (2024)
Credit card delinquency Share of credit card accounts 60+ days past due 9% 8% 5% 93rd Urban Institute (2024)
Subprime credit share Share of residents with a credit score below 660 34% 31% 23% 85th Urban Institute (2024)
Default & Legal — domain score 91 · Rank 133 of 3,144
Debt in collections Share of residents with a credit file who have debt in collections 37% 32% 23% 90th Urban Institute (2024)
Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents 305 214 126 92nd US Courts F-5A (2025)
Debt Burden (housing basis) — domain score 57 · Rank 1,207 of 3,144
Rent-to-income ratio Fair Market Rent (2BR) as share of median household income 22% 22% 21% 61st HUD FMR × Census ACS (2024)
Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent 18% 17% 18% 54th Census ACS 5-yr (2023)
Labor — domain score 78 · Rank 646 of 3,144
Unemployment Share of labor force unemployed 4% 4% 4% 78th BLS LAUS (Dec 2025)
Safety Net & Buffer — domain score 64 · Rank 1,015 of 3,144
Child poverty rate Share of children under 18 below the federal poverty line 24% 24% 18% 77th Census SAIPE (2023)
Disability rate Share of residents reporting a disability 16% 22% 16% 55th Census ACS 5-yr (2023)
Poverty rate Share of population below the federal poverty line 19% 18% 14% 82nd Census SAIPE (2023)
Transfer-income dependency Share of personal income from government transfers 28% 34% 27% 57th BEA Regional Personal Income (2023)
Uninsured rate Share of residents without health insurance coverage 6% 8% 8% 27th Census ACS 5-yr (2023)
Data compiled April 2026 from Urban Institute Debt in America (Equifax 2024 panel), U.S. Census Bureau (ACS 5-yr 2023, SAIPE 2023, Business Formation Statistics 2024), Bureau of Labor Statistics (LAUS Dec 2025, QCEW 2024), U.S. Courts Administrative Office (F-5A bankruptcy filings 2025), and HUD Fair Market Rents (FY2024).

Five-Domain Breakdown

The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.

Delinquency Primary driver 91
Weight 20% · Rank 176 of 3,144
Default & Legal 91
Weight 20% · Rank 133 of 3,144
Labor 78
Weight 20% · Rank 646 of 3,144
Safety Net & Buffer 64
Weight 20% · Rank 1,015 of 3,144
Debt Burden (housing basis) 57
Weight 20% · Rank 1,207 of 3,144

Methodology

The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.

Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.

For Press & Research

Everything you need to cite Union County data — in under 60 seconds.

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Press contact: Ross Kilburn · press@americandefault.org · (307) 264-2992 · same-day response, 9am–6pm ET
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EL DORADO, Ark. — Union County ranks 229th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.

The composite score of 76 out of 100 places Union in the most distressed fifth. Among 3,144 U.S. counties scored, 228 counties rank more distressed. Within Arkansas, Union ranks 17th of 75 counties.

The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies delinquency as the primary driver in Union. 11% of auto loan accounts are 60+ days past due — more than double the national median of 5%.

"Union County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated," said Ross Kilburn, founder of American Default Research.

Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.

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Frequently Asked Questions

What is Union County's CDI score, and what does it mean?

Union County scores 76 out of 100 on the County Distress Index, placing it in the most distressed fifth. It ranks 229th of 3,144 U.S. counties and 17th of 75 Arkansas counties. Higher county scores indicate more distress.

What drives Union County's distress score?

The highest-scoring domain is Delinquency, at a domain score of 91. Auto loan delinquency ranks at the 96th percentile nationally.

How does Union County compare to its neighbors?

Union County's neighbors span two CDI distress fifths. Highest-distress neighbor: Claiborne Parish, LA (85.95, Most distressed fifth). Lowest: Calhoun County (49.93, Middle fifth).

How is the County Distress Index calculated?

The CDI is a 0–100 composite of 16 source indicators across five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Data comes from Urban Institute, Census Bureau, BLS, U.S. Courts, HUD, and related public sources. Full methodology →
Ross Kilburn
Written by

Ross Kilburn, Founder

Founder · American Default Research · Seattle, Washington

Two decades working directly with financially distressed American households — from property preservation in 2003, to negotiating over 1,000 short sales during the Great Recession, to foreclosure defense marketing today. Author, The Ark Law Group Complete Guide to Short Sales (Auroch Press, 2013). Founded American Default Research in 2026.

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