Caddo County, Oklahoma
Above the national median for credit card delinquency.
Main Findings
Caddo County, Oklahoma is more distressed than 64% of U.S. counties on the County Distress Index. The driver: 9% of credit card accounts are 60+ days past due — above the national median of 5%. Its highest-scoring domain is Delinquency and its lowest is Labor.
- 49th of 77 counties in Oklahoma on the County Distress Index — 64 · moderate-high county distress, more distressed than 64% of U.S. counties.
- 9% of credit card accounts are 60+ days past due (U.S. median 5%). Credit card delinquency at the 90th percentile nationally. Source: Urban Institute Debt in America (2025).
- Uninsured rate at 17% — national median 8%, ranked at the 93rd percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
- Debt in collections at 39% — national median 23%, ranked at the 93rd percentile. Source: Urban Institute Debt in America (2025).
- Debt Burden (housing basis) domain score 29 — weight 20.0% of the CDI composite. Source: American Default Research.
Unemployment is 4%, near the national median of 4%, while credit card delinquency runs at the 90th percentile. Jobs exist; wages don't close the gap.
Neighbors span four CDI score labels. The 41-point drop to Canadian County marks where the Oklahoma distress corridor ends.
Caddo County has a moderate-high county distress score. The domain mix shows whether pressure is concentrated or spread across the profile.
The CDI gives this county a moderate-high county distress label. The domain table shows whether the score comes from debt, labor, safety-net pressure, or a mix. Its highest-scoring domain is Delinquency.
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 Caddo County's CDI Score
Every number traces to a public source. Caddo County's value shown alongside OK's median and the U.S. median. Full CSV available for download.
| Indicator | Caddo | OK median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 83 · Rank 443 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 8% | 7% | 5% | 81st | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 9% | 6% | 5% | 90th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 31% | 30% | 23% | 77th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 78 · Rank 485 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 39% | 31% | 23% | 93rd | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 160 | 147 | 126 | 63rd | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 29 · Rank 2,480 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 19% | 20% | 21% | 36th | 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 | 13% | 16% | 18% | 22nd | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 24 · Rank 2,570 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) | 10% | 26% | 21% | 3rd | 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) | 4% | 4% | 4% | 45th | 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 79 · Rank 414 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 21% | 22% | 17% | 70th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 18% | 20% | 16% | 71st | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 19% | 17% | 13% | 83rd | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 17% | 13% | 8% | 93rd | 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 Caddo County data.
Draft wire copy 127-word AP-style article — use freely with attribution
ANADARKO, Okla. — Caddo County is more distressed than 64% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Caddo scores 64 out of 100, which means it is more distressed than 64% of U.S. counties; its score label is moderate-high county distress. Within Oklahoma, Caddo ranks 49th of 77 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 Caddo. 9% of credit card accounts are 60+ days past due — above 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 Caddo County's CDI score, and what does it mean?
What drives Caddo County's distress score?
How does Caddo County compare to its neighbors?
How is the County Distress Index calculated?
Caddo County resident looking for help? HUD counselors, legal aid, and attorney referrals →