| Personal Saving Rate The Buffer ADI | | 2.6% | -2.90 pp | Apr 2026 | ↓ worsening | Savings |
| Bankrate Emergency Savings Survey The Safety Net | | 41% | -3.00 pp | 2025 | ↓ worsening | Savings |
| SHED Emergency Savings Survey The $400 Test | | 37% | 0.00 pp | 2024 | stable | Savings |
| Vanguard Hardship Withdrawal Rate The Cannibalization Rate | | 6% | +1.20 pp | 2025 | ↓ worsening | Savings |
| Share of Americans Living Paycheck to Paycheck The Squeeze | | 24% | +0.30 pp | 2025 | ↓ worsening | Savings |
| Buy Now Pay Later Lending Volume Phantom Debt | | $65.3B | +19.6% | 2025 | ↓ worsening | Savings |
| Household Debt Service Ratio Debt Service ADI | | 11.32% | +0.20 pp | Q4 2025 | ↓ worsening | Savings |
| Mortgage Debt Service Ratio Mortgage Debt Service Ratio | | 5.92% | +0.23 pp | Q4 2025 | ↓ worsening | Savings |
| Total Consumer Credit Outstanding Total Consumer Credit Outstanding | | $5.2T | +2.3% | Apr 2026 | stable | Savings |
| Total Revolving Credit Outstanding Total Revolving Credit Outstanding | | $1.3T | +3.8% | Apr 2026 | ↓ worsening | Savings |
| HELOC Balance Growth HELOC Balance Growth | | $434B | +9.5% | Q4 2025 | ↓ worsening | Savings |
| 401(k) Loan Outstanding Rate 401(k) Loan Outstanding Rate | | 13% | 0.00 pp | 2024 | ↓ worsening | Savings |
| Revolving Credit Utilization (75th Percentile) Revolving Credit Utilization (75th Percentile) | | 53.99% | -1.19 pp | Q4 2025 | ↓ worsening | Savings |
| Delinquency Rate on Credit Card Loans The Late Fee ADI | | 2.92% | -0.14 pp | Q1 2026 | ↑ improving | Debt |
| Charge-Off Rate on Credit Card Loans Charge-Off Rate on Credit Card Loans ADI | | 3.84% | -0.62 pp | Q1 2026 | ↑ improving | Debt |
| Total Credit Card Debt Outstanding Plastic Ceiling | | $1.28T | +5.5% | Q4 2025 | ↓ worsening | Debt |
| Commercial Bank Interest Rate on Credit Card Plans The Card Tax | | 21% | -0.37 pp | Q1 2026 | ↑ improving | Debt |
| Auto Loan Serious Delinquency Rate (90+ days) The Repo Line ADI | | 5.21% | +0.38 pp | Q4 2025 | ↓ worsening | Debt |
| Student Loan Delinquency Rate (90+ days) Student Loan Delinquency Rate (90+ days) | | 9.57% | +9.04 pp | Q4 2025 | ↑ improving | Debt |
| Delinquency Rate on Consumer Loans (ex credit card) Delinquency Rate on Consumer Loans (ex credit card) ADI | | 2.28% | -0.10 pp | Q1 2026 | ↑ improving | Debt |
| Credit Card Delinquency Rate — Banks Outside Top 100 The Other Banks | | 6.43% | -0.75 pp | Q1 2026 | ↑ improving | Debt |
| Total Delinquency Rate (All Loan Types) Falling Behind | | 4.81% | +1.22 pp | Q4 2025 | ↓ worsening | Debt |
| Total Household Debt Total Household Debt | | $18.78T | +4.1% | Q4 2025 | ↓ worsening | Debt |
| Large vs Small Bank Credit Card Delinquency Spread Large vs Small Bank Credit Card Delinquency Spread | | 3.51 pts | -0.61 pp | Q1 2026 | ↑ improving | Debt |
| TransUnion Subprime Auto/Card Originations The Risk Reset | | 2.58% | +0.02 pp | Q4 2025 | ↓ worsening | Debt |
| Equifax Monthly Credit Trends (Delinquency) The 60-Day Line | | 3.03% | -0.13 pp | Q4 2025 | ↑ improving | Debt |
| Auto Loan Serious Delinquency 90+ Days (NY Fed CCP) Auto Loan Serious Delinquency 90+ Days (NY Fed CCP) | | 5.21% | +0.38 pp | Q4 2025 | ↓ worsening | Debt |
| FHA Mortgage Delinquency Rate The FHA Signal | | 11.52% | +0.49 pp | Q4 2025 | ↓ worsening | Housing |
| Delinquency Rate on Single-Family Residential Mortgages (90+ days) Delinquency Rate on Single-Family Residential Mortgages (90+ days) ADI | | 1.89% | +0.12 pp | Q1 2026 | ↓ worsening | Housing |
| Serious Delinquency Rate (90+ days, All Loan Types) Serious Delinquency Rate (90+ days, All Loan Types) | | 3.12% | +1.08 pp | Q4 2025 | ↓ worsening | Housing |
| Foreclosure Filings YoY Change Foreclosure Filings | | 32% | +34.00 pp | Q1 2026 | ↓ worsening | Housing |
| Median Sales Price of Houses Sold (US) Median Sales Price of Houses Sold (US) | | $403,200 | -4.7% | Q1 2026 | ↑ improving | Housing |
| Foreclosure Starts vs Completions Ratio The Pipeline | | 4.75 | -27.5% | Q4 2025 | ↑ improving | Housing |
| CoreLogic Early-Stage Delinquency Transitions First Missed | | 0.7% | -0.10 pp | Q3 2025 | ↑ improving | Housing |
| Mortgage Origination Volume Mortgage Origination Volume | | $524B | +12.7% | Q4 2025 | ↑ improving | Housing |
| Initial Unemployment Claims (SA) Initial Unemployment Claims (SA) ADI | | 229,000 | -6.9% | Jun 6, 2026 | ↓ worsening | Jobs |
| Continued Unemployment Claims (SA) Continued Unemployment Claims (SA) | | 1,795,000 | -7.8% | May 30, 2026 | stable | Jobs |
| Challenger Job Cut Announcements Pink Slips | | 97K | +3.4% | May 2026 | ↓ worsening | Jobs |
| JOLTS Quits Rate JOLTS Quits Rate | | 1.9% | -0.10 pp | Apr 2026 | stable | Jobs |
| Unemployment Rate Unemployment Rate ADI | | 4.3% | 0.00 pp | May 2026 | stable | Jobs |
| U-6 Underemployment Rate U-6 Underemployment Rate | | 8.1% | +0.30 pp | May 2026 | ↓ worsening | Jobs |
| Total Nonfarm Payrolls Total Nonfarm Payrolls | | 159,001 | +0.3% | May 2026 | stable | Jobs |
| Part-Time for Economic Reasons Part-Time for Economic Reasons | | 4,805 | +3.9% | May 2026 | ↓ worsening | Jobs |
| Lower-Income Wage Growth vs. Inflation Gap The K-Shape | | 1.1 pts | -1.10 pp | 2025 | ↓ worsening | Jobs |
| Atlanta Fed Wage Growth Tracker (1st Quartile) Atlanta Fed Wage Growth Tracker (1st Quartile) | | 3.6% | -0.20 pp | Apr 2026 | ↑ improving | Jobs |
| Indeed Job Postings Index (US) Indeed Job Postings Index (US) | | 100.19 | -5.2% | Jun 5, 2026 | stable | Jobs |
| WARN Act Layoff Notices (Monthly) WARN Act Layoff Notices (Monthly) | | 39,118 | -17.5% | May 2026 | ↓ worsening | Jobs |
| CPI Inflation Rate (All Items) CPI Inflation Rate (All Items) | | 4.17% | +1.79 pp | May 2026 | ↓ worsening | Prices |
| Food and Beverages CPI Food and Beverages CPI | | 3.08% | +0.18 pp | May 2026 | ↓ worsening | Prices |
| Motor Vehicle Insurance CPI Motor Vehicle Insurance CPI | | 6.13% | +1.00 pp | May 2026 | ↓ worsening | Prices |
| Medical Care CPI Medical Care CPI | | 2.59% | +0.13 pp | May 2026 | ↑ improving | Prices |
| Energy CPI (All Items) Energy CPI (All Items) | | 22.97% | +26.07 pp | May 2026 | ↓ worsening | Prices |
| Grocery Prices Cumulative Change Since Jan 2020 Grocery Prices Cumulative Change Since Jan 2020 | | 33.53% | +3.99 pp | May 2026 | ↓ worsening | Prices |
| Shelter CPI Shelter CPI | | 3.35% | -0.51 pp | May 2026 | ↓ worsening | Prices |
| Student Loan Payment Burden (% of Discretionary Income) Student Loan Payment Burden (% of Discretionary Income) | | 20% | +4.00 pp | 2024 | ↓ worsening | Prices |
| Prescription Drug CPI Prescription Drug CPI | | -2.02% | -2.83 pp | May 2026 | ↑ improving | Prices |
| Healthcare Inflation Premium (Medical CPI minus Overall CPI) Healthcare Inflation Premium (Medical CPI minus Overall CPI) | | -1.57 pts | -1.66 pp | May 2026 | ↑ improving | Prices |
| Gas Affordability Ratio The Pump Tax | | 1.14% | +0.30 pp | Q2 2026 | ↓ worsening | Prices |
| Auto Insurance Inflation Premium (Auto CPI minus Overall CPI) The Coverage Tax | | 1.96 pts | -0.79 pp | May 2026 | ↑ improving | Prices |
| Grocery Affordability Gap (AHE YoY minus Food-at-Home CPI YoY) The Grocery Gap | | 0.37 pts | -0.72 pp | May 2026 | ↓ worsening | Prices |
| Energy Cost Burden (Energy PCE as % of Disposable Income) The Energy Squeeze | | 3.43% | -0.04 pp | Q1 2026 | ↓ worsening | Prices |
| Household Tariff Burden (Estimated Tariff Cost as % of Disposable Income) The Import Tax | | 1.72% | +0.93 pp | 2025 | ↓ worsening | Prices |
| Bankruptcy Filings YoY Change Bankruptcy Filings | | 11.9% | -1.20 pp | Q1 2026 | ↓ worsening | Courts |
| Bankruptcy Chapter 7 to Chapter 13 Filing Ratio The Wipeout Ratio | | 1.75 | +8.7% | Q1 2026 | ↓ worsening | Courts |
| Charge-Off Rate on All Loans Charge-Off Rate on All Loans | | 0.57% | -0.07 pp | Q1 2026 | ↑ improving | Courts |
| Charge-Off Rate on Single-Family Residential Mortgages Charge-Off Rate on Single-Family Residential Mortgages ADI | | 0% | 0.00 pp | Q1 2026 | pending | Courts |
| Chapter 7 Bankruptcy Filings (YoY % Change) Chapter 7 Bankruptcy Filings (YoY % Change) | | 15.3% | -2.60 pp | Q1 2026 | ↑ improving | Courts |
| Chapter 13 Bankruptcy Filings (YoY % Change) Chapter 13 Bankruptcy Filings (YoY % Change) | | 6.3% | +0.10 pp | Q1 2026 | ↓ worsening | Courts |
| CFPB Consumer Complaint Volume CFPB Consumer Complaint Volume | | 662,917 | +59.7% | May 2026 | ↓ worsening | Courts |
| University of Michigan Consumer Sentiment Index The Mood Ring | | 49.8 | -4.6% | Apr 2026 | ↓ worsening | Warning Signs |
| Conference Board Consumer Expectations Index The Warning Light | | 74.4 | +2.2% | May 2026 | ↑ improving | Warning Signs |
| NFCI Non-Financial Leverage Subindex The Tightening | | -0.39 | +37.8% | Jun 5, 2026 | ↓ worsening | Warning Signs |
| Senior Loan Officer Survey: Banks Tightening Standards Senior Loan Officer Survey: Banks Tightening Standards | | 2% | -3.60 pp | Q2 2026 | ↑ improving | Warning Signs |
| Wage Growth vs CPI Spread Wage Growth vs CPI Spread | | -0.58 pts | -2.45 pp | Apr 2026 | ↓ worsening | Warning Signs |
| Google Search Interest: Financial Distress The Search Signal | | 64 | +52.4% | Feb 2026 | ↓ worsening | Warning Signs |
| SNAP (Food Stamp) Enrollment SNAP (Food Stamp) Enrollment | | 37,870,817 | -10.2% | Feb 2026 | ↑ improving | Warning Signs |
| Top vs Bottom Income Quartile Spending Gap The Divergence | | -11.1 pts | 0.00 pp | Apr 2026 | ↑ improving | Warning Signs |
| Difficulty Paying Usual Household Expenses The Pinch | | 37.1% | -0.20 pp | Sep 16, 2024 | stable | Who's Hurting |
| Financial Health Score (FHN FinHealth Survey) Financial Health Score (FHN FinHealth Survey) | | 30 | 0.0% | 2024 | ↓ worsening | Who's Hurting |
| States with Credit Card Delinquency Above 10% The Spread | | 36 | +24.1% | 2025 | ↓ worsening | Who's Hurting |
| Share of Adults Skipping Bill Payments The Skip Rate | | 18.5% | +1.80 pp | Q1 2026 | ↑ improving | Who's Hurting |
| Medicaid / CHIP Enrollment (Monthly) Medicaid / CHIP Enrollment (Monthly) | | 76,800,000 | — | Sep 2025 | ↑ improving | Who's Hurting |
| Business AI Adoption Rate The Adoption Curve | | 10% | +3.40 pp | Sep 2025 | ↓ worsening | AI & Work |
| AI Autonomous Task Horizon (METR) The Horizon | | 1,044.8 | +772.8% | Apr 2026 | ↓ worsening | AI & Work |
| AI-Attributed Layoff Announcements The AI Cut | | 39K | +93.0% | May 2026 | ↓ worsening | AI & Work |
| Information Sector Job Openings (NAICS 51) The Tech Drought | | 87K | -35.1% | Apr 2026 | ↑ improving | AI & Work |
| Youth Unemployment Rate (16-24) Youth Unemployment Rate (16-24) | | 9.4% | -0.30 pp | May 2026 | ↓ worsening | AI & Work |
| AI Job Posting Share (% of Total) AI Job Posting Share (% of Total) | | 5.68% | +2.82 pp | May 2026 | ↓ worsening | AI & Work |