| Personal Saving Rate The Buffer ADI | | 4.1% | -1.1 percentage points | Aug 2026 | ↓ worsening | Savings |
| Share of Adults Who Would Use Savings for a $1,000 Emergency The Safety Net | | 30% | — | 2026 | not comparable | Savings |
| SHED Emergency Savings Survey The $400 Test | | 37% | 0 percentage points | 2025 | stable | Savings |
| Vanguard Hardship Withdrawal Rate The Cannibalization Rate | | 6% | +1 percentage point | 2025 | ↓ worsening | Savings |
| Share of Bank of America Checking Households Living Paycheck to Paycheck The Squeeze | | 24% | +0.3 percentage points | 2025 | ↓ worsening | Savings |
| Household Debt Service Ratio Debt Service ADI | | 11.11% | 0 percentage points | Q2 2026 | stable | Savings |
| Mortgage Debt Service Ratio Mortgage Debt Service Ratio | | 5.83% | 0 percentage points | Q2 2026 | stable | Savings |
| Total Consumer Credit Outstanding Total Consumer Credit Outstanding | | $5.2T | +2.6% | Jul 2026 | no direction | Savings |
| Total Revolving Credit Outstanding Total Revolving Credit Outstanding | | $1.4T | +3.6% | Jul 2026 | no direction | Savings |
| HELOC Balances Outstanding HELOC Balances Outstanding | | $459B | +11.6% | Q2 2026 | no direction | Savings |
| 401(k) Loan Outstanding Rate 401(k) Loan Outstanding Rate | | 13% | 0 percentage points | 2025 | stable | Savings |
| Revolving Credit Utilization (75th Percentile) Revolving Credit Utilization (75th Percentile) | | 50.47% | -1.2 percentage points | Q1 2026 | ↑ improving | Savings |
| Delinquency Rate on Credit Card Loans The Late Fee ADI | | 2.85% | -0.1 percentage points | Q2 2026 | stable | Debt |
| Charge-Off Rate on Credit Card Loans Charge-Off Rate on Credit Card Loans ADI | | 3.82% | -0.4 percentage points | Q2 2026 | stable | Debt |
| Total Credit Card Debt Outstanding Plastic Ceiling | | $1.26T | +4.5% | Q2 2026 | no direction | Debt |
| Commercial Bank Interest Rate on Credit Card Plans The Card Tax | | 20.94% | -0.22 percentage points | Q2 2026 | ↑ improving | Debt |
| Auto Loans 90+ Days Past Due The Repo Line ADI | | 5.49% | +0.5 percentage points | Q2 2026 | ↓ worsening | Debt |
| Share of Student Loan Balances 90+ Days Delinquent Share of Student Loan Balances 90+ Days Delinquent | | 10.6% | +0.44 percentage points | Q2 2026 | ↓ worsening | Debt |
| Delinquency Rate on Consumer Loans (ex credit card) Delinquency Rate on Consumer Loans (ex credit card) ADI | | 2.33% | -0.05 percentage points | Q2 2026 | stable | Debt |
| Credit Card Delinquency at Banks Outside the Top 100 The Other Banks | | 6.49% | -0.5 percentage points | Q2 2026 | stable | Debt |
| Total Delinquency Rate (All Loan Types) Falling Behind | | 4.73% | +0.3 percentage points | Q2 2026 | ↓ worsening | Debt |
| Total Household Debt Total Household Debt | | $18.77T | +2.1% | Q2 2026 | no direction | Debt |
| Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest | | 3.75 percentage points | -0.3 percentage points | Q2 2026 | no direction | Debt |
| TransUnion Credit Card Borrower Delinquency The Risk Reset | | 2.26% | +0.1 percentage points | Q2 2026 | ↓ worsening | Debt |
| Bankcard Balances 60+ Days Past Due (Equifax) The 60-Day Line | | 2.71% | — | Aug 2026 | no verdict | Debt |
| Student Loan Borrowers Behind on Payments or in Collections Student Loan Borrowers Behind on Payments or in Collections | | 20% | +4 percentage points | 2024 | ↓ worsening | Debt |
| FHA Mortgage Delinquency Rate The FHA Signal | | 11.79% | +1.22 percentage points | Q2 2026 | stable | Housing |
| Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks ADI | | 1.86% | +0.1 percentage points | Q2 2026 | stable | Housing |
| Serious Delinquency Rate (90+ days, All Loan Types) Serious Delinquency Rate (90+ days, All Loan Types) | | 3.31% | +0.27 percentage points | Q2 2026 | ↓ worsening | Housing |
| Foreclosure Filings YoY Change Foreclosure Filings | | 15% | +2 percentage points | Q2 2026 | rising | Housing |
| Median Sale Price of New Houses (US) Median Sale Price of New Houses (US) | | $410,700 | -1.3% | Q2 2026 | no direction | Housing |
| Foreclosure Starts vs. Bank Repossessions The Pipeline | | 4.47 | — | Aug 2026 | no direction | Housing |
| Cotality Current-to-30-Day Mortgage Transition Rate First Missed | | 0.6% | 0 percentage points | Q1 2026 | stable | Housing |
| Mortgage Origination Volume Mortgage Origination Volume | | $505B | +10.1% | Q2 2026 | no direction | Housing |
| Monthly FHA Loan Endorsements Monthly FHA Loan Endorsements | | 87,538 | — | Jul 2026 | no direction | Housing |
| Serious Delinquency Rate, Fannie Mae and Freddie Mac Loans Serious Delinquency Rate, Fannie Mae and Freddie Mac Loans | | 0.59% | +0.05 percentage points | Jun 2026 | ↓ worsening | Housing |
| Fannie Mae and Freddie Mac Loans in Forbearance Fannie Mae and Freddie Mac Loans in Forbearance | | 37,283 | +7.4% | Jun 2026 | no direction | Housing |
| Loan Modifications Completed, Fannie Mae and Freddie Mac Loans Loan Modifications Completed, Fannie Mae and Freddie Mac Loans | | 6,616 | -13.1% | May 2026 | no direction | Housing |
| Foreclosure Prevention Actions Completed, Fannie Mae and Freddie Mac Loans Foreclosure Prevention Actions Completed, Fannie Mae and Freddie Mac Loans | | 15,855 | -13.1% | May 2026 | no direction | Housing |
| Foreclosure Starts, Fannie Mae and Freddie Mac Loans Foreclosure Starts, Fannie Mae and Freddie Mac Loans | | 7,979 | +7.8% | May 2026 | no direction | Housing |
| Initial Unemployment Claims (SA) Initial Unemployment Claims (SA) ADI | | 197,000 | -10.0% | Sep 19, 2026 | stable | Jobs |
| Continued Unemployment Claims (SA) Continued Unemployment Claims (SA) | | 1,719,000 | -10.3% | Sep 12, 2026 | no direction | Jobs |
| Challenger Job Cut Announcements Pink Slips | | 53K | -38.5% | Aug 2026 | falling | Jobs |
| JOLTS Quits Rate JOLTS Quits Rate | | 1.9% | -0.1 percentage points | Aug 2026 | stable | Jobs |
| Unemployment Rate Unemployment Rate ADI | | 4.1% | -0.2 percentage points | Aug 2026 | stable | Jobs |
| U-6 Underemployment Rate U-6 Underemployment Rate | | 7.7% | -0.4 percentage points | Aug 2026 | stable | Jobs |
| Total Nonfarm Payrolls Total Nonfarm Payrolls | | 159.1M | +0.4% | Aug 2026 | no direction | Jobs |
| Part-Time for Economic Reasons Part-Time for Economic Reasons | | 4.4M | -7.7% | Aug 2026 | no direction | Jobs |
| Bottom-Quartile Wage Growth vs. Inflation The K-Shape | | 1.1 percentage points | -1.1 percentage points | 2025 | ↓ worsening | Jobs |
| Atlanta Fed Wage Growth Tracker (1st Quartile) Atlanta Fed Wage Growth Tracker (1st Quartile) | | 3.7% | +0.3 percentage points | Aug 2026 | no direction | Jobs |
| Indeed Job Postings Index (US) Indeed Job Postings Index (US) | | 103.45 | +0.7% | Sep 18, 2026 | stable | Jobs |
| CPI Inflation Rate (All Items) CPI Inflation Rate (All Items) | | 3.35% | +0.5 percentage points | Aug 2026 | rising | Prices |
| Food Price Inflation (CPI) Food Price Inflation (CPI) | | 2.63% | -0.6 percentage points | Aug 2026 | falling | Prices |
| Motor Vehicle Insurance CPI Motor Vehicle Insurance CPI | | -5.13% | -9.7 percentage points | Aug 2026 | falling | Prices |
| Medical Care CPI Medical Care CPI | | 1.56% | -1.9 percentage points | Aug 2026 | falling | Prices |
| Energy Price Inflation (CPI) Energy Price Inflation (CPI) | | 16.05% | +15.6 percentage points | Aug 2026 | rising | Prices |
| Grocery Prices Cumulative Change Since Jan 2020 Grocery Prices Cumulative Change Since Jan 2020 | | 31.96% | +2.8 percentage points | Aug 2026 | stable | Prices |
| Shelter CPI Shelter CPI | | 3.03% | -0.6 percentage points | Aug 2026 | falling | Prices |
| Prescription Drug CPI Prescription Drug CPI | | -2.95% | -3.8 percentage points | Aug 2026 | falling | Prices |
| Healthcare Inflation Premium (Medical CPI minus Overall CPI) Healthcare Inflation Premium (Medical CPI minus Overall CPI) | | -1.79 percentage points | -2.3 percentage points | Aug 2026 | ↑ improving | Prices |
| Gas Price to Pay Ratio The Pump Tax | | 0.33% | +0.07 percentage points | Q2 2026 | ↓ worsening | Prices |
| Auto Insurance Inflation Premium (Auto CPI minus Overall CPI) The Coverage Tax | | -8.48 percentage points | -10.2 percentage points | Aug 2026 | ↑ improving | Prices |
| Grocery Affordability Gap The Grocery Gap | | 0.45 percentage points | -0.3 percentage points | Aug 2026 | stable | Prices |
| Energy Cost Burden (Energy PCE as % of Disposable Income) The Energy Squeeze | | 3.66% | +0.4 percentage points | Q2 2026 | ↓ worsening | Prices |
| Federal Customs Duties as % of Disposable Personal Income The Import Tax | | 1.16% | +0.78 percentage points | 2025 | no direction | Prices |
| Bankruptcy Filings YoY Change Bankruptcy Filings | | 12.2% | +0.7 percentage points | Q2 2026 | rising | Courts |
| Bankruptcy Chapter 7 to Chapter 13 Filing Ratio The Wipeout Ratio | | 1.77 | +6.6% | Q2 2026 | no direction | Courts |
| Charge-Off Rate on All Loans Charge-Off Rate on All Loans | | 0.55% | -0.05 percentage points | Q2 2026 | ↑ improving | Courts |
| Charge-Off Rate on Single-Family Residential Mortgages Charge-Off Rate on Single-Family Residential Mortgages ADI | | 0% | 0 percentage points | Q2 2026 | stable | Courts |
| Chapter 7 Bankruptcy Filings (YoY % Change) Chapter 7 Bankruptcy Filings (YoY % Change) | | 14.7% | -2.3 percentage points | Q2 2026 | falling | Courts |
| Chapter 13 Bankruptcy Filings (YoY % Change) Chapter 13 Bankruptcy Filings (YoY % Change) | | 7.6% | — | Q2 2026 | no verdict | Courts |
| CFPB Consumer Complaint Volume CFPB Consumer Complaint Volume | | 677,899 | +32.8% | Aug 2026 | no direction | Courts |
| Residential Electricity Disconnections Residential Electricity Disconnections | | 13,447,935 | — | 2024 | no direction | Courts |
| University of Michigan Consumer Sentiment Index The Mood Ring | | 48.1 | -12.7% | Sep 2026 | ↓ worsening | Warning Signs |
| Conference Board Consumer Expectations Index The Warning Light | | 63.6 | -13.4% | Sep 2026 | stable | Warning Signs |
| NFCI Non-Financial Leverage Subindex The Tightening | | -0.46 | +20.9% | Sep 25, 2026 | no direction | Warning Signs |
| Senior Loan Officer Survey: Banks Tightening Standards Senior Loan Officer Survey: Banks Tightening Standards | | 6.7% | -3.7 percentage points | Q3 2026 | ↑ improving | Warning Signs |
| Wage Growth vs CPI Spread Wage Growth vs CPI Spread | | 0.75 percentage points | -0.4 percentage points | Aug 2026 | ↓ worsening | Warning Signs |
| SNAP (Food Stamp) Enrollment SNAP (Food Stamp) Enrollment | | 36,352,716 | -12.8% | Jun 2026 | no direction | Warning Signs |
| Top vs Bottom Income Quartile Spending Gap The Divergence | | -13.9 percentage points | -3.4 percentage points | Jun 2026 | no direction | Warning Signs |
| Difficulty Paying Usual Household Expenses The Pinch | | 21.3% | — | Aug 3, 2026 | not comparable | Who's Hurting |
| Financially Healthy Households (Financial Health Network) Financially Healthy Households (Financial Health Network) | | 31% | 0 percentage points | 2026 | stable | Who's Hurting |
| Unbanked Household Rate (FDIC) Unbanked Household Rate (FDIC) | | 4.2% | -0.3 percentage points | 2023 | stable | Who's Hurting |
| States with Credit Card Delinquency Above 10% The Spread | | 36 | +24.1% | 2025 | ↓ worsening | Who's Hurting |
| Adults Who Paid Less or Skipped Bills The Skip Rate | | 18.3% | -0.9 percentage points | Q3 2026 | stable | Who's Hurting |
| Medicaid / CHIP Enrollment Medicaid / CHIP Enrollment | | 73,167,389 | -5.9% | Jun 2026 | no direction | Who's Hurting |
| Homelessness: HUD Point-in-Time Count Homelessness: HUD Point-in-Time Count | | 745,652 | -3.3% | 2025 | ↑ improving | Who's Hurting |
| Business AI Adoption Rate The Adoption Curve | | 10% | +3.4 percentage points | Sep 2025 | no direction | AI & Work |
| METR 50% Task-Completion Horizon The Horizon | | 17.41 | +770.5% | Apr 2026 | no direction | AI & Work |
| AI-Attributed Layoff Announcements The AI Cut | | 4K | +3.5K | Aug 2026 | rising | AI & Work |
| Information Sector Job Openings (NAICS 51) The Tech Drought | | 123K | -12.8% | Aug 2026 | stable | AI & Work |
| Youth Unemployment Rate (16-24) Youth Unemployment Rate (16-24) | | 9.1% | -1.5 percentage points | Aug 2026 | stable | AI & Work |
| AI Share of Indeed Job Postings AI Share of Indeed Job Postings | | 6.74% | +3.3 percentage points | Aug 2026 | no direction | AI & Work |
| Real Production & Nonsupervisory Wage Shop Floor Pay | | $10 | 0.0% | Aug 2026 | stable | The Deal |
| Real Median Weekly Earnings The Median Check | | $378 | +0.5% | Q2 2026 | stable | The Deal |
| Productivity-Pay Wedge The Wedge | | 109.91 | +2.4% | Q2 2026 | ↓ worsening | The Deal |
| Long-Term Unemployed Share (27+ Weeks) The Long Haul | | 27% | +1.4 percentage points | Aug 2026 | no direction | The Deal |
| Involuntary Part-Time Share of Employment The Short Shift | | 2.7% | -0.2 percentage points | Aug 2026 | ↑ improving | The Deal |
| Union Membership Rate The Union Card | | 10% | +0.1 percentage points | 2025 | stable | The Deal |
| Labor Share of Nonfarm Business Output The Split | | 93.45 | -3.4% | Q2 2026 | ↓ worsening | The Deal |
| Family Income Inequality (Gini) The Divide | | 0.46 | +0.7% | 2025 | stable | The Deal |
| Bottom-Half Share of Household Wealth The Bottom Half | | 2.3% | -0.1 percentage points | Q2 2026 | stable | The Deal |
| Prime-Age Employment Rate (25-54) The Prime Years | | 80.4% | -0.3 percentage points | Aug 2026 | stable | The Deal |
| Multiple Jobholders Share of Employment The Second Job | | 5.4% | 0 percentage points | Aug 2026 | no direction | The Deal |
| Real Federal Minimum Wage The Floor | | $2 | -3.2% | Aug 2026 | ↓ worsening | The Deal |