Board of Governors of the Federal Reserve System
American Default tracks indicators using data from Board of Governors of the Federal Reserve System, including Bottom-Half Share of Household Wealth, Charge-Off Rate on All Loans, and Charge-Off Rate on Credit Card Loans. This page links to the indicators and the source website. Data is updated automatically by our daily pipeline.
Indicators from Board of Governors of the Federal Reserve System
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Bottom-Half Share of Household Wealth | 2.3% Current | ▬ stable | Quarterly | Context |
| Charge-Off Rate on All Loans | 0.55% Current | falling | Quarterly | Context |
| Charge-Off Rate on Credit Card Loans | 3.82% Current | ▬ stable | Quarterly | Default & Legal |
| Charge-Off Rate on Single-Family Residential Mortgages | 0% Current | ▬ stable | Quarterly | Default & Legal |
| Commercial Bank Interest Rate on Credit Card Plans | 20.94% Current | falling | Quarterly | Context |
| Credit Card Delinquency at Banks Outside the Top 100 | 6.49% Current | ▬ stable | Quarterly | Context |
| Delinquency Rate on Consumer Loans (ex credit card) | 2.33% Current | ▬ stable | Quarterly | Delinquency |
| Delinquency Rate on Credit Card Loans | 2.85% Current | ▬ stable | Quarterly | Delinquency |
| Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks | 1.86% Current | ▬ stable | Quarterly | Delinquency |
| Household Debt Service Ratio | 11.11% Current | ▬ stable | Quarterly | Debt Burden |
| Mortgage Debt Service Ratio | 5.83% Current | ▬ stable | Quarterly | Context |
| SHED Emergency Savings Survey | 37% Current | ▬ stable | Annual | Context |
| Senior Loan Officer Survey: Banks Tightening Standards | 6.7% Current | falling | Quarterly | Context |
| Student Loan Borrowers Behind on Payments or in Collections | 20% Last verified 2024 | Historical | Annual | Context |
| Total Consumer Credit Outstanding | $5.1862T Current | rising | Monthly | Context |
| Total Revolving Credit Outstanding | $1.3572T Current | rising | Monthly | Context |
How We Get This Data
Attribution & Licensing
Data attributed to: Board of Governors of the Federal Reserve System
Official source: https://www.federalreserve.gov/
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
Review the recorded licence or reuse conditions
FRED-hosted distribution is subject to the Federal Reserve Bank of St. Louis Terms of Use.
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 Board of Governors of the Federal Reserve System?
American Default tracks indicators using data from Board of Governors of the Federal Reserve System, including Bottom-Half Share of Household Wealth, Charge-Off Rate on All Loans, and Charge-Off Rate on Credit Card Loans. This page links to the indicators and the source website.
How often is Board of Governors of the Federal Reserve System data measured?
Board of Governors of the Federal Reserve System data is updated automatically by our daily pipeline. Observation frequency varies by indicator: quarterly, annual, monthly.
Is Board of Governors of the Federal Reserve System data free to use?
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
What American Distress Index components use Board of Governors of the Federal Reserve System data?
Board of Governors of the Federal Reserve System data feeds into Default & Legal, Delinquency, Debt Burden. 6 indicators from this source are in the ADI composite calculation.