Revolving Credit Utilization (75th Percentile)
Federal Reserve data
What is the current Revolving Credit Utilization (75th Percentile)?
Revolving Credit Utilization (75th Percentile): 53.99% as of 2025-Q4, and worsening. Source: Federal Reserve via FRED.
The most stretched borrowers are using more than half their available credit
Federal Reserve data. At the 75th percentile, utilization is 52.5%. Anything above 30% signals credit stress to lenders — these borrowers are well past that threshold.
Explore Further
How has Revolving Credit Utilization (75th Percentile) changed over time?
Most affected counties
Counties with the highest overall financial distress scores in the County Distress Index.
Explore all 3,144 counties →| Period | Value | YoY Change |
|---|---|---|
| Q4 2025 | 53.99% | −1.2 pts |
| Q3 2025 | 52.49% | −1.1 pts |
| Q2 2025 | 51.82% | −1.0 pts |
| Q1 2025 | 51.67% | −1.1 pts |
| Q4 2024 | 55.18% | −0.6 pts |
| Q3 2024 | 53.57% | +0.4 pts |
| Q2 2024 | 52.78% | +1.6 pts |
| Q1 2024 | 52.73% | +3.0 pts |
| Q4 2023 | 55.8% | +3.6 pts |
| Q3 2023 | 53.15% | +5.0 pts |
| Q2 2023 | 51.15% | +5.8 pts |
| Q1 2023 | 49.71% | +6.7 pts |
Frequently Asked Questions
What is Revolving Credit Utilization (75th Percentile)?
Federal Reserve data
Why does Revolving Credit Utilization (75th Percentile) matter for financial distress?
Revolving Credit Utilization (75th Percentile) is one of the indicators tracked by the American Distress Index (ADI), which measures five dimensions of U.S. household financial distress: Buffer Depletion, Debt Stress, Financial Conditions, Cost Pressure, and Labor Market disruption. Changes in this indicator contribute to the overall distress picture.
Where does the Revolving Credit Utilization (75th Percentile) data come from?
This data comes from Federal Reserve via FRED. More information: https://fred.stlouisfed.org/. The American Distress Index updates this indicator quarterly.
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