Serious Delinquency Rate (90+ days, All Loan Types)
All consumer debt 90+ days past due
What is the current Serious Delinquency Rate (90+ days, All Loan Types)?
The serious delinquency rate across all consumer debt balances stood at 3.12% in Q4 2024, according to the NY Fed Consumer Credit Panel. This aggregate measure captures loans 90 or more days past due across mortgages, auto loans, credit cards, and student loans. Source: NY Fed Consumer Credit Panel / Equifax.
Serious delinquency has doubled since the end of the stimulus era
NY Fed data. At 3.1%, the 90-day delinquency rate across all debt types has climbed from its 1.4% pandemic-era floor back to pre-pandemic levels.
Explore Further
How has Serious Delinquency Rate (90+ days, All Loan Types) changed over time?
Most affected counties
Counties with the highest consumer credit distress scores in the County Distress Index.
Explore all 3,144 counties →| Period | Value | YoY Change |
|---|---|---|
| Q4 2025 | 3.12% | +1.1 pts |
| Q3 2025 | 2.98% | +1.0 pts |
| Q2 2025 | 3.04% | +1.2 pts |
| Q1 2025 | 2.84% | +1.0 pts |
| Q4 2024 | 2.04% | +0.3 pts |
| Q3 2024 | 1.97% | +0.3 pts |
| Q2 2024 | 1.83% | +0.4 pts |
| Q1 2024 | 1.83% | +0.4 pts |
| Q4 2023 | 1.74% | +0.3 pts |
| Q3 2023 | 1.62% | −0.0 pts |
| Q2 2023 | 1.47% | −0.3 pts |
| Q1 2023 | 1.46% | −0.4 pts |
Frequently Asked Questions
What is the all-balance serious delinquency rate?
This rate measures the share of all consumer debt balances — mortgages, auto loans, credit cards, student loans — that are 90 or more days past due. At 3.12% in Q4 2024, it provides a comprehensive view of household debt distress.
How does this differ from individual loan delinquency rates?
While individual rates show stress in specific debt categories, the all-balance rate reveals the total burden across all consumer obligations. The American Distress Index uses this as a broad debt stress signal.
Where does this data come from?
This data comes from the NY Fed Consumer Credit Panel, based on Equifax credit bureau records, published quarterly.
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