Consumer Debt by State, Q4 2025: 36 of 51 Had Card Delinquency Above 10%
In Q4 2025, 36 of 51 jurisdictions (the 50 states and DC) had more than 10% of credit card balances 90 or more days delinquent, up from 29 a year earlier, according to the Federal Reserve Bank of New York Consumer Credit Panel / Equifax. Nevada had the highest rate at 16.3% of balances, against 12.4% nationally.
What Does the State Consumer-Debt Dataset Measure?
At the national level, total household debt per adult with a credit file was $63k in Q4 2025, while the credit-card delinquency rate was 12.4% of balances. The state rows use those same units so their levels can be compared without turning balances into a share of people.
36 out of 51 jurisdictions had more than 10% of credit-card balances 90 or more days delinquent. Nevada had the highest rate at 16.3%. These geographic aggregates do not identify why a state's rate differs, whether the same households hold other delinquent products, or what any individual borrower will do next.
At a Glance
The American Distress Index currently reads 47.0 (Typical). The composite itself sits higher than 44% of all published quarters since 2005. American Default's Spread indicator counts jurisdictions above its 10% credit-card balance-delinquency line. It is a context series, not an input to the national index. The count is a descriptive geographic measure; it does not identify a structural cause, reproduce a past mortgage cycle, or predict another form of default.
Where Is Credit Card Distress Concentrated?
In Q4 2025, 36 out of 51 jurisdictions had credit-card balance-delinquency rates above 10%, up from 29 a year earlier. That is the most since 2010. The count has been higher than the year before for three years in a row. The chart shows the stored annual count from 2003 through 2025 using the same threshold.
This is a count of jurisdictions, not households or delinquent accounts. Puerto Rico is in the counted set through 2016; the New York Fed's table has no Puerto Rico figures after that. A change in the count does not establish why state rates moved or whether the same borrowers appear in another debt series. American Default tracks the series on its states above 10% indicator page (The Spread).
States and DC with Credit Card Delinquency Above 10%
Source: NY Fed Consumer Credit Panel / Equifax. Annual Q4 data, 2003–2025. Includes Puerto Rico through 2016.
Full data and trend: States with credit card delinquency above 10% indicator page (The Spread)
Which States Have the Highest Credit Card Delinquency?
The states ranked highest in the Q4 2025 table are Nevada at 16.3%, Florida at 14.9%, Louisiana at 14.2%, and Texas at 14.2%. The credit-panel data establish the ranking, not a shared demographic, wage, housing-cost, or migration explanation.
Credit Card Delinquency Rate by State — 15 Highest (Q4 2025)
Source: NY Fed Consumer Credit Panel / Equifax. Delinquency = 90+ days past due as share of balances.
National trend over time: Credit card delinquency rate indicator page (The Late Fee)
Which States Changed Most Since Q4 2019?
A state's latest level and its change from Q4 2019 are different calculations. The largest changes in this table were in Georgia (+5.6 percentage points), Louisiana (+5.6 percentage points), and West Virginia (+5.6 percentage points). These changes describe state-level balance delinquency, not a velocity of household distress.
In the same New York Fed table, the national rate was 8.1% in Q4 2019 and 12.4% in Q4 2025. State changes can be set beside those national figures, but the balance data do not explain the differences or identify the households represented in both periods.
Change in CC Delinquency Rate, 2019 to 2025 (States Ranked Top 15, Ties Included; percentage points)
Source: NY Fed Consumer Credit Panel / Equifax. Q4 2019 vs Q4 2025. Changes and ranks: American Default Research calculation.
Geographic spread over time: States above 10% credit card delinquency indicator page (The Spread)
All States: Credit Card Delinquency Rates
Credit card delinquency rates for all 50 states and the District of Columbia, ranked highest to lowest; tied states share a rank. Ranks and changes are American Default Research calculations from the New York Fed figures. Rows in red are above the 10% line that our count of states above 10% (The Spread) uses. That threshold is American Default's, not the New York Fed's.
| Rank | State | Q4 2025 | Q4 2024 | Q4 2019 | Change since Q4 2019 |
|---|---|---|---|---|---|
| 1 | Nevada | 16.3% | 14.5% | 11.5% | +4.8 percentage points |
| 2 | Florida | 14.9% | 13.5% | 10.5% | +4.4 percentage points |
| 3 | Louisiana | 14.2% | 12.9% | 8.6% | +5.6 percentage points |
| 3 | Texas | 14.2% | 13.0% | 9.2% | +5 percentage points |
| 5 | Georgia | 13.9% | 12.5% | 8.3% | +5.6 percentage points |
| 6 | Arkansas | 13.8% | 12.5% | 9.7% | +4.1 percentage points |
| 7 | West Virginia | 13.7% | 12.4% | 8.1% | +5.6 percentage points |
| 7 | Arizona | 13.7% | 12.1% | 10.4% | +3.3 percentage points |
| 9 | Mississippi | 13.4% | 12.5% | 9.5% | +3.9 percentage points |
| 9 | South Carolina | 13.4% | 12.1% | 8.2% | +5.2 percentage points |
| 11 | Oklahoma | 13.3% | 12.2% | 8.9% | +4.4 percentage points |
| 12 | California | 13.2% | 12.0% | 8.7% | +4.5 percentage points |
| 13 | New York | 12.9% | 12.0% | 9.0% | +3.9 percentage points |
| 14 | North Carolina | 12.5% | 11.3% | 8.2% | +4.3 percentage points |
| 15 | Pennsylvania | 12.3% | 11.4% | 8.0% | +4.3 percentage points |
| 16 | Alabama | 12.2% | 11.2% | 8.4% | +3.8 percentage points |
| 16 | Delaware | 12.2% | 11.3% | 8.6% | +3.6 percentage points |
| 18 | New Mexico | 11.9% | 10.6% | 9.0% | +2.9 percentage points |
| 19 | Kentucky | 11.8% | 10.9% | 7.8% | +4 percentage points |
| 20 | Indiana | 11.7% | 10.7% | 7.0% | +4.7 percentage points |
| 20 | Maryland | 11.7% | 10.4% | 7.4% | +4.3 percentage points |
| 22 | Illinois | 11.6% | 10.4% | 6.6% | +5 percentage points |
| 22 | Tennessee | 11.6% | 10.5% | 7.8% | +3.8 percentage points |
| 24 | New Jersey | 11.4% | 10.4% | 7.5% | +3.9 percentage points |
| 24 | Rhode Island | 11.4% | 10.4% | 8.1% | +3.3 percentage points |
| 24 | Missouri | 11.4% | 10.7% | 7.7% | +3.7 percentage points |
| 27 | Michigan | 11.3% | 10.5% | 6.9% | +4.4 percentage points |
| 28 | District of Columbia | 11.2% | 10.8% | 6.5% | +4.7 percentage points |
| 29 | Ohio | 11.1% | 10.4% | 7.4% | +3.7 percentage points |
| 29 | Colorado | 11.1% | 9.8% | 6.5% | +4.6 percentage points |
| 31 | Kansas | 10.7% | 9.9% | 6.4% | +4.3 percentage points |
| 32 | Wyoming | 10.5% | 9.1% | 7.5% | +3 percentage points |
| 32 | Connecticut | 10.5% | 9.9% | 7.1% | +3.4 percentage points |
| 34 | Massachusetts | 10.3% | 9.6% | 7.2% | +3.1 percentage points |
| 34 | Iowa | 10.3% | 9.6% | 7.0% | +3.3 percentage points |
| 36 | Hawaii | 10.2% | 9.4% | 7.2% | +3 percentage points |
| 37 | Virginia | 9.9% | 8.9% | 6.6% | +3.3 percentage points |
| 38 | New Hampshire | 9.8% | 8.9% | 6.6% | +3.2 percentage points |
| 38 | Maine | 9.8% | 8.8% | 6.2% | +3.6 percentage points |
| 38 | Alaska | 9.8% | 9.2% | 6.6% | +3.2 percentage points |
| 38 | Montana | 9.8% | 8.7% | 7.1% | +2.7 percentage points |
| 38 | Nebraska | 9.8% | 9.2% | 6.7% | +3.1 percentage points |
| 43 | Idaho | 9.5% | 8.8% | 6.8% | +2.7 percentage points |
| 43 | Oregon | 9.5% | 8.5% | 6.3% | +3.2 percentage points |
| 43 | Utah | 9.5% | 7.9% | 5.8% | +3.7 percentage points |
| 46 | Washington | 9.3% | 8.4% | 5.8% | +3.5 percentage points |
| 47 | South Dakota | 9.1% | 8.8% | 6.3% | +2.8 percentage points |
| 48 | North Dakota | 9.0% | 8.1% | 5.6% | +3.4 percentage points |
| 48 | Vermont | 9.0% | 8.1% | 5.8% | +3.2 percentage points |
| 50 | Minnesota | 8.6% | 7.9% | 6.1% | +2.5 percentage points |
| 51 | Wisconsin | 8.0% | 7.6% | 5.5% | +2.5 percentage points |
| — | National | 12.4% | 11.2% | 8.1% | — |
Which States Have the Highest Auto Loan Delinquency?
Credit-card and auto-loan delinquency can be compared geographically because this table reports both measures for the same state and period. An overlap means a state ranks high on two separate aggregate balance-based measures; it does not show that the same households missed both payments, that credit cards came first, that borrowers exhausted a buffer, or that mortgage delinquency will follow. The products also differ in collateral, underwriting, borrower population, and balance denominator. See default-rate definitions for the distinct series scopes.
| Rank | State | Auto Delinq Q4 2025 | CC Delinq Q4 2025 |
|---|---|---|---|
| 1 | District of Columbia | 13.6% | 11.2% |
| 2 | Mississippi | 7.7% | 13.4% |
| 3 | Georgia | 7.0% | 13.9% |
| 4 | Alabama | 6.6% | 12.2% |
| 4 | Louisiana | 6.6% | 14.2% |
| 6 | Indiana | 6.3% | 11.7% |
| 6 | Michigan | 6.3% | 11.3% |
| 8 | South Carolina | 6.2% | 13.4% |
| 8 | Nevada | 6.2% | 16.3% |
| 10 | Delaware | 6.1% | 12.2% |
| 10 | New Mexico | 6.1% | 11.9% |
| 10 | North Carolina | 6.1% | 12.5% |
| 13 | Maryland | 6.0% | 11.7% |
| 14 | Texas | 5.8% | 14.2% |
| 15 | Tennessee | 5.7% | 11.6% |
National auto loan trend: Auto loan serious delinquency rate indicator page (The Repo Line)
Which States Have the Most Debt Per Person?
Total debt per credit-file adult and credit-card balance delinquency answer different questions. A state can rank high on one and lower on the other; neither measure supplies the reason. The table does not establish underwriting quality, household repayment capacity, or which people appear in both aggregates. Explore individual state profiles for the other separately measured indicators and local resources.
| Rank | State | Total Debt/Credit-File Adult | CC Delinq Rate |
|---|---|---|---|
| 1 | District of Columbia | $102k | 11.2% |
| 2 | Colorado | $93k | 11.1% |
| 3 | California | $88k | 13.2% |
| 4 | Washington | $86k | 9.3% |
| 5 | Hawaii | $83k | 10.2% |
| 6 | Utah | $83k | 9.5% |
| 7 | Maryland | $81k | 11.7% |
| 8 | Massachusetts | $77k | 10.3% |
| 9 | Virginia | $77k | 9.9% |
| 10 | Nevada | $71k | 16.3% |
| 11 | Arizona | $71k | 13.7% |
| 12 | Oregon | $70k | 9.5% |
| 13 | New Jersey | $70k | 11.4% |
| 14 | Alaska | $69k | 9.8% |
| 15 | Idaho | $69k | 9.5% |
Data Sources and Methodology
NY Fed Consumer Credit Panel
All state-level data on this page comes from the NY Fed's nationally representative 5% sample of Equifax credit reports. State figures represent Q4 (year-end) snapshots, published annually by the Federal Reserve Bank of New York, and the New York Fed notes they are subject to sampling variation. Delinquency = balances 90+ days past due as % of total balances.
Per-Person Figures
Per-person figures divide by adults with a credit file, not by total state population, so they describe people who appear in the credit data rather than every resident. American Default tracks the count of jurisdictions above 10% on its states above 10% indicator page (The Spread).
Citation
State Level Household Debt Statistics 2003-2025, Federal Reserve Bank of New York, February 2026 For national consumer debt trends across all categories, see the Consumer Debt Statistics roundup page.
Frequently Asked Questions
Which state has the highest credit card delinquency rate?
The states ranked highest as of Q4 2025 are Nevada (16.3% of balances), Florida (14.9% of balances), Louisiana (14.2% of balances), and Texas (14.2% of balances). The ranking does not establish a shared cause or borrower profile.
What is the average credit card delinquency rate in the U.S.?
In the New York Fed's state table, the national credit card delinquency rate is 12.4% as of Q4 2025 (balances 90+ days past due). In Q4 2019 it was 8.1%. State rates in Q4 2025 range from 8.0% in Wisconsin to 16.3% in Nevada.
How does credit card debt vary by state?
The Q4 2025 state rates range from 8.0% of balances in Wisconsin to 16.3% in Nevada. 36 of 51 jurisdictions (the 50 states and DC) were above 10%. The data do not identify why the rates differ.
What is national total debt per capita?
Total consumer debt per adult with a credit file stands at $63k nationally as of Q4 2025. It is a different measure from credit-card balance delinquency and does not identify household repayment capacity.
How does state-level consumer debt connect to the American Distress Index?
American Default counts the states and DC with credit card delinquency above 10% (the indicator it calls The Spread), a context series that is not an input to the American Distress Index. In 2025 it counted 36 jurisdictions above the 10% credit-card balance-delinquency line. That count is descriptive; it does not establish a structural cause, a repeat of an earlier mortgage cycle, or what any borrower will do next.