Charge-Off Rate on All Loans
All consumer loans written off as uncollectable
Delinquency Rate on Credit Card Loans is currently elevated — historically leads this indicator by 3 quarters. Delinquency Rate on Credit Card Loans · View projections
What is the current Charge-Off Rate on All Loans?
The charge-off rate on all loans at commercial banks was 0.61% in the latest quarter, according to the Federal Reserve. Charge-offs represent debt that banks have written off as uncollectible — the final stage of the default cycle. Rising charge-offs confirm that delinquencies are translating into actual losses. Source: Federal Reserve via FRED (CORALACBN).
All-loan charge-offs have tripled since their 2021 floor
Board of Governors data. At 0.61%, the rate is far below the 3.1% GFC peak — but the trajectory from the 0.19% floor tells the story of a credit cycle turning.
Explore Further
How has Charge-Off Rate on All Loans changed over time?
Most affected counties
Counties with the highest legal distress scores in the County Distress Index.
Explore all 3,144 counties →| Period | Value | YoY Change |
|---|---|---|
| Q4 2025 | 0.61% | −0.1 pts |
| Q3 2025 | 0.59% | −0.1 pts |
| Q2 2025 | 0.6% | −0.1 pts |
| Q1 2025 | 0.64% | +0.0 pts |
| Q4 2024 | 0.68% | +0.1 pts |
| Q3 2024 | 0.64% | +0.2 pts |
| Q2 2024 | 0.65% | +0.2 pts |
| Q1 2024 | 0.63% | +0.2 pts |
| Q4 2023 | 0.63% | +0.3 pts |
| Q3 2023 | 0.49% | +0.2 pts |
| Q2 2023 | 0.46% | +0.2 pts |
| Q1 2023 | 0.39% | +0.2 pts |
Frequently Asked Questions
What is the charge-off rate on all loans?
The charge-off rate measures the percentage of total loans that banks write off as uncollectible losses. At 0.61%, it reflects the aggregate loss rate across all commercial bank loan portfolios.
Why do charge-offs matter?
Charge-offs are the end of the default pipeline: delinquency → serious delinquency → charge-off. Rising charge-offs confirm that earlier delinquency signals have translated into actual bank losses.
Where does this data come from?
Published quarterly by the Federal Reserve Board, available via FRED series CORALACBN.
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