Computed / Derived Indicators
American Default tracks indicators using data from Computed / Derived Indicators, including Auto Insurance Inflation Premium (Auto CPI minus Overall CPI), Bottom-Quartile Wage Growth vs. Inflation, and Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest. This page links to the indicators and the source website. Data is updated automatically by our daily pipeline.
Indicators from Computed / Derived Indicators
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Auto Insurance Inflation Premium (Auto CPI minus Overall CPI) | -8.48 pp Current | falling | Monthly | Context |
| Bottom-Quartile Wage Growth vs. Inflation | 1.1 pp Current | falling | Annual | Context |
| Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest | 3.75 pp Current | ▬ stable | Quarterly | Context |
| Energy Cost Burden (Energy PCE as % of Disposable Income) | 3.66% Current | rising | Quarterly | Context |
| Federal Customs Duties as % of Disposable Personal Income | 1.16% Current | rising | Annual | Context |
| Gas Price to Pay Ratio | 0.33% Current | rising | Quarterly | Context |
| Grocery Affordability Gap | 0.45 pp Current | ▬ stable | Monthly | Context |
| Grocery Prices Cumulative Change Since Jan 2020 | 31.96% Current | ▬ stable | Monthly | Context |
| Healthcare Inflation Premium (Medical CPI minus Overall CPI) | -1.79 pp Current | falling | Monthly | Context |
| Involuntary Part-Time Share of Employment | 2.7% Current | falling | Monthly | Context |
| Productivity-Pay Wedge | 109.908 Current | rising | Quarterly | Context |
| Real Federal Minimum Wage | $2.1698 Current | falling | Monthly | Context |
| Real Production & Nonsupervisory Wage | $9.7357 Current | ▬ stable | Monthly | Context |
| Wage Growth vs CPI Spread | 0.75 pp Current | falling | Monthly | Context |
How We Get This Data
BLS Series IDs
Attribution & Licensing
Data attributed to: American Default Research
Yes. American Default Research makes this tracked data available under Creative Commons Attribution 4.0 International. Follow the linked licence terms and attribution requirements.
Related
- ADI Methodology — how these indicators feed into the composite score
- All Indicators — browse all tracked indicators
- Data Status — current update status for all data sources
- All Sources — view all data sources
Frequently Asked Questions
What does American Default track from Computed / Derived Indicators?
American Default tracks indicators using data from Computed / Derived Indicators, including Auto Insurance Inflation Premium (Auto CPI minus Overall CPI), Bottom-Quartile Wage Growth vs. Inflation, and Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest. This page links to the indicators and the source website.
How often is Computed / Derived Indicators data measured?
Computed / Derived Indicators data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly, annual, quarterly.
Is Computed / Derived Indicators data free to use?
Yes. American Default Research makes this tracked data available under Creative Commons Attribution 4.0 International. Follow the linked licence terms and attribution requirements.
What American Distress Index components use Computed / Derived Indicators data?
Computed / Derived Indicators indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.