Alaska Financial Distress Profile

The credit card delinquency rate in Alaska is 9.8% as of Q4 2025, ranking #38 among the 51 states and DC, 2.6 percentage points below the U.S. 12.4%. It is up 3.2 percentage points from 6.6% in Q4 2019.

The NY Fed reports a $69,460 total debt balance per adult with a credit file in Alaska, $6,260 above the U.S. $63,200 on the same basis. That is 16.5% higher than in Q4 2019. Alaska ranks #14 on that basis.

Auto loan delinquency in Alaska is 2.9% as of Q4 2025, 2.3 percentage points below the U.S. 5.2%. This ranks #48 of 51. The rate is up from 2.5% in Q4 2019.

Alaska mainly uses non-judicial foreclosure, which a lender can carry out without going to court. See our Alaska foreclosure guide for the timeline, homeowner protections and where to get free help.

Alaska scores 20 on the State Distress Index (low state distress), which means it is more distressed than 20% of the 50 states and D.C.. It ranks #41 of 51 jurisdictions, in the second-least distressed fifth. The score is built from 4 equal-weighted domains: delinquency, default and legal, debt burden on a housing basis, and labor. It ranks states against each other at one time. Separately, the national American Distress Index reads 47.0 (Typical) for the country over time. The composite itself sits higher than 44% of all published quarters since 2005.

The CFPB has received 535 mortgage complaints from Alaska since 2012, 72.9 per 100,000 residents, 62.1 below the U.S. rate of 135. That ranks #38 of 51. Companies responded to 98.5% of Alaska complaints on time.

Alaska had 238 bankruptcy filings in the 12-month period ending Dec 2025, 32.4 per 100,000 residents, 136.7 below the U.S. rate of 169.1. This ranks #51 of 51. Chapter 7 filings account for 72.3% and Chapter 13 for 26.1%. That is 10.2% more filings than in 2024.

11.5% of people with a credit file in Alaska have debt in collections, 2.4 percentage points below the U.S. average of 13.9%. This ranks #28 of 51. 12.1% have subprime credit scores (below 620), 4.8 percentage points below the U.S. average of 16.9%. Data from the Federal Reserve Bank of Philadelphia Consumer Credit Explorer (NY Fed / Equifax), Q1 2025.

70,043 residents of Alaska received SNAP benefits in June 2026, an enrollment rate of 9.6%, 1.2 percentage points below the U.S. rate of 10.8%. This ranks #30 of 51. That is 5.2% more people than in June 2025. The rate is 1.2 percentage points below the October 2019 to February 2020 average.

Alaska scores 48.9 out of 100 on the Safety Net Index, ranking #17 of 51 (Weak). The score combines Medicaid coverage (21.5% enrollment rate, expansion state), SNAP enrollment (9.6%), and foreclosure legal protections. That is above the state average of 43.6.

Northwest Arctic Borough is the most distressed county in Alaska with a County Distress Index score of 74 · high county distress. Bethel Census Area (62 · moderate-high county distress), Dillingham Census Area (60 · moderate-high county distress), Kusilvak Census Area (59 · moderate county distress) are next. Juneau City and Borough is the least distressed at 4 · exceptionally low county distress. See all 30 counties at /counties/alaska/.

Alaska mainly uses non-judicial foreclosure, which a lender can carry out without going to court. In Alaska, foreclosures that finished in the second quarter of 2026 took an average of 199 days from the start of the foreclosure process to completion, according to ATTOM. Individual cases vary with cure periods, mediation, postponements, court backlogs and bankruptcy filings. Paying to stop the foreclosure: If the default is missed payments, you can cure it and stop the sale at any time before the sale date in the notice of default (or a postponed sale date) by paying the amount then in default plus the foreclosure fees and costs actually incurred. The notice of default must be recorded at least 90 days before the sale. If notices of default under the same deed of trust have been recorded two or more times before and those defaults were cured, the trustee may refuse payment and continue the sale. Homestead exemption: $72,900. Protects up to $72,900 of equity in your primary residence from judgment creditors. Does NOT stop mortgage or deed of trust foreclosure. Full details at /help/foreclosure/alaska/.

Alaska scores 20 on the State Distress Index (low state distress), which means it is more distressed than 20% of the 50 states and D.C.. It ranks #41 of 51 jurisdictions, in the second-least distressed fifth. 2 of 5 NY Fed household debt measures are above the U.S. figure. The State Distress Index domain with the highest score is Labor. County Distress Index details are listed separately by county. The safety net ranks #17 (Weak).