Scotland County, North Carolina
More than double the national median for credit card delinquency.
Main Findings
Scotland County, North Carolina is more distressed than 94% of U.S. counties on the County Distress Index. The driver: 13% of credit card accounts are 60+ days past due — more than double the national median of 5%. Its highest-scoring domain is Delinquency and its lowest is Debt Burden (housing basis).
- 8th of 100 counties in North Carolina on the County Distress Index — 94 · extreme county distress, more distressed than 94% of U.S. counties.
- 13% of credit card accounts are 60+ days past due (U.S. median 5%). Credit card delinquency at the 99th percentile nationally. Source: Urban Institute Debt in America (2025).
- Child poverty rate at 35% — national median 17%, ranked at the 96th percentile. Source: U.S. Census Bureau, SAIPE (2024).
- Unemployment (average of monthly rates) at 5% — national median 4%, ranked at the 77th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025).
- Debt in collections at 45% — national median 23%, ranked at the 99th percentile. Source: Urban Institute Debt in America (2025).
Unemployment is 5%, near the national median of 4%, while credit card delinquency runs at the 99th percentile. Jobs exist; wages don't close the gap.
Neighbors span two CDI score labels. The 19-point drop to Hoke County marks where the NC Sandhills distress corridor ends.
Scotland County has an extreme county distress score. The five-domain profile shows where local household pressure is most concentrated.
The CDI gives this county an extreme county distress label. The score is the plain-language signal; the national rank separately shows how the county compares with every other county-equivalent in the release. Its highest-scoring domain is Delinquency.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, SAIPE (2024), 35% of children under 18 in Scotland County live below the federal poverty line, versus 17% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Scotland County's CDI Score
Every number traces to a public source. Scotland County's value shown alongside NC's median and the U.S. median. Full CSV available for download.
| Indicator | Scotland | NC median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 97 · Rank 23 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 12% | 7% | 5% | 96th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 13% | 7% | 5% | 99th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 41% | 28% | 23% | 97th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 73 · Rank 656 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 45% | 27% | 23% | 99th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 119 | 87 | 126 | 47th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 72 · Rank 647 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 22% | 22% | 21% | 63rd | U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 24% | 20% | 18% | 82nd | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 73 · Rank 629 of 3,144 | |||||
| Adults 25-54 not working Share of adults aged 25 to 54 without a job, leaving out residents of prisons and other institutions (service members count as working) | 24% | 22% | 21% | 70th | U.S. Census Bureau, ACS 5-year (2024) |
| Unemployment (average of monthly rates) Share of labor force unemployed, averaged over the monthly rates published for September 2025 to August 2026 (no figures published for October 2025) | 5% | 4% | 4% | 77th | U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025) |
| Safety Net & Buffer — domain score 82 · Rank 317 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 35% | 20% | 17% | 96th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 18% | 17% | 16% | 71st | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 23% | 14% | 13% | 94th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 10% | 10% | 8% | 66th | U.S. Census Bureau, ACS 5-year (2024) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index scores household financial distress from 0 to 100 for all 3,144 U.S. counties. A county's score is the share of U.S. counties it is more distressed than. 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 five domains are averaged, and that average is ranked against every other county to give the score.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), Equifax data retrieved via FRED (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), U.S. Bureau of Labor Statistics (Local Area Unemployment Statistics), Administrative Office of the U.S. Courts (F-5A bankruptcy filings), and U.S. Department of Housing and Urban Development Fair Market Rents. Data vintages range from 2024 to 2027 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Scotland County data.
Draft wire copy 130-word AP-style article — use freely with attribution
LAURINBURG, N.C. — Scotland County is more distressed than 94% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Scotland scores 94 out of 100, which means it is more distressed than 94% of U.S. counties; its score label is extreme county distress. Within North Carolina, Scotland ranks eighth of 100 counties.
The index, which draws on 14 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 Scotland. 13% of credit card accounts are 60+ days past due — more than double the national median of 5%.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Scotland County's CDI score, and what does it mean?
What drives Scotland County's distress score?
How does Scotland County compare to its neighbors?
How is the County Distress Index calculated?
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