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Household Debt and Credit: US: Difference between revisions

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Household Debt and Credit: US (view source)

Revision as of 17:51, 7 November 2023

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|0.527
|0.527
|17.063
|17.063
|-
|23:Q3
|12.140
|0.349
|1.595
|1.079
|1.599
|0.529
|17.291
|}
|}


=== Q2 2023 ===
=== Q3 2023 ===
The report shows a slight uptick in total household debt in the second quarter of 2023, increasing by $16 billion (0.1%) to $17.06 trillion.
The Report shows total household debt increased by $228 billion (1.3%) in the third quarter of 2023, to $17.29 trillion.<ref>https://www.newyorkfed.org/newsevents/news/research/2023/20231107</ref>


* Credit card accounts expanded by 5.48 million to 578.35 million. Aggregate limits on credit card accounts increased by $9 billion and now stand at $4.6 trillion.
* Mortgage originations modestly declined to $386 billion in Q3 2023 and are well below the robust quarterly origination volumes observed between 2020 and 2021.
* The share of debt newly transitioning into delinquency increased for credit cards and auto loans, with increases in transition rates of 0.7 and 0.4 percentage points respectively.
* The volume of newly originated auto loans, which includes leases, slightly increased and now stands at $179.3 billion.  
* About 39,000 individuals had new foreclosure notations on their credit reports, a very small increase from the first quarter. New foreclosures have stayed very low since even since the CARES Act moratorium was lifted.<ref>https://www.newyorkfed.org/newsevents/news/research/2023/20230808</ref>
* Aggregate limits on credit card accounts increased by $113 billion, a 2.46% increase from the previous quarter.
* Aggregate delinquency rates increased in Q3 2023, with 3% of outstanding debt in some stage of delinquency at the end of September. Delinquency transition rates increased for most debt types except student loans and home equity lines of credit. The increases in credit card delinquency were the sharpest among borrowers between the ages of 30 and 39.


'''Household Debt and Credit Developments as of Q3 2023'''
{| class="wikitable"
{| class="wikitable"
|'''CATEGORY'''
|'''CATEGORY'''
|'''QUARTERLY CHANGE * (BILLIONS $)'''
|'''QUARTERLY CHANGE * (BILLIONS $)'''
|'''ANNUAL CHANGE**(BILLIONS $)'''
|'''ANNUAL CHANGE**(BILLIONS $)'''
|'''TOTAL AS OF Q2 2023 (TRILLIONS $)'''
|'''TOTAL AS OF Q3 2023 (TRILLIONS $)'''
|-
|-
|Mortgage Debt
|Mortgage Debt
|(-) $30
|(+) $126
|(+) $627
|(+) $471
|$12.01
|$12.14
|-
|-
|Home Equity Line Of Credit
|Home Equity Line Of Credit
|(+) $1
|(+) $9
|(+) $21
|(+) $27
|$0.34
|$0.349
|-
|-
|Student Debt
|Student Debt
|(-) $35
|(+) $30
|(-) $20
|(+) $25
|$1.57          
|$1.599           
|-
|-
|Auto Debt
|Auto Debt
|(+) $20
|(+) $13
|(+) $80
|(+) $71
|$1.58
|$1.595
|-
|-
|Credit Card Debt
|Credit Card Debt
|(+) $45
|(+) $48
|(+) $144
|(+) $154
|$1.03
|$1.079
|-
|-
|Other
|Other
|(+) $15
|(+) $2
|(+) $57
|(+) $38
|$0.53
|$0.529
|-
|-
|'''Total Debt'''
|'''Total Debt'''
|'''(+) $16'''
|'''(+) $228'''
|'''(+) $909'''
|'''(+) $786'''
|'''$17.06'''
|'''$17.291'''
|}
|}
 
 
'''Flow into Serious Delinquency (90 days or more delinquent)'''
'''Flow into Serious Delinquency (90 days or more delinquent)'''
{| class="wikitable"
{| class="wikitable"
|'''CATEGORY''' 1
|'''CATEGORY''' 1
|'''Q2 2022'''
|'''Q3 2022'''
|'''Q2 2023'''
|'''Q3 2023'''
|-
|-
|Mortgage Debt
|Mortgage Debt
|0.44%
|0.50%
|0.63%
|0.72%
|-
|-
|Home Equity Line Of Credit
|Home Equity Line Of Credit
|0.32%
|0.51%
|0.44%
|0.41%
|-
|-
|Student Loan Debt
|Student Loan Debt
|0.98%
|1.04%
|0.85%
|0.77%
|-
|-
|Auto Loan Debt
|Auto Loan Debt
|1.81%
|2.02%
|2.41%
|2.53%
|-
|-
|Credit Card Debt
|Credit Card Debt
|3.35%
|3.69%
|5.08%
|5.78%
|-
|-
|Other
|Other
|3.21%
|3.55%
|4.65%
|4.96%
|-
|-
|'''ALL'''
|'''ALL'''
|'''0.84%'''
|'''0.94%'''
|'''1.16%'''
|'''1.28%'''
|}
|}


== Volume by Riskcore ==
=== Q2 2023 ===
The report shows a slight uptick in total household debt in the second quarter of 2023, increasing by $16 billion (0.1%) to $17.06 trillion.
 
* Credit card accounts expanded by 5.48 million to 578.35 million. Aggregate limits on credit card accounts increased by $9 billion and now stand at $4.6 trillion.
* The share of debt newly transitioning into delinquency increased for credit cards and auto loans, with increases in transition rates of 0.7 and 0.4 percentage points respectively.
* About 39,000 individuals had new foreclosure notations on their credit reports, a very small increase from the first quarter. New foreclosures have stayed very low since even since the CARES Act moratorium was lifted.<ref>https://www.newyorkfed.org/newsevents/news/research/2023/20230808</ref>


=== Morgage  ===
[[File:0df3fbf3f00eea94c0d3c3b8a818d008b450c7c1.png|alt=|center|thumb|806x806px|https://www.newyorkfed.org/microeconomics/hhdc/background.html]]'''Share by Credit Score'''[[File:95759aa399971449b38ea24ea8b85cbb7cdb5448.png|center|thumb|794x794px|https://www.newyorkfed.org/microeconomics/hhdc/background.html]]
{| class="wikitable"
{| class="wikitable"
!Date
|'''CATEGORY'''
 
|'''QUARTERLY CHANGE * (BILLIONS $)'''
Billions of $<ref name=":0">https://www.newyorkfed.org/microeconomics/hhdc/background.html</ref>
|'''ANNUAL CHANGE**(BILLIONS $)'''
!<620
|'''TOTAL AS OF Q2 2023 (TRILLIONS $)'''
!620-659
!660-719
!720-759
!760+
!TOTAL
|-
|-
|03:Q4
|Mortgage Debt
|90.06
|(-) $30
|86.37
|(+) $627
|212.36
|$12.01
|349.56
|289.70
|1028.1
|-
|-
|04:Q4
|Home Equity Line Of Credit
|88.88
|(+) $1
|67.39
|(+) $21
|158.89
|$0.34
|209.93
|146.26
|671.4
|-
|-
|05:Q4
|Student Debt
|87.04
|(-) $35
|77.70
|(-) $20
|184.83
|$1.57        
|238.86
|211.56
|800.0
|-
|-
|06:Q4
|Auto Debt
|92.82
|(+) $20
|70.42
|(+) $80
|137.70
|$1.58
|191.52
|-
|149.43
|Credit Card Debt
|641.9
|(+) $45
|(+) $144
|$1.03
|-
|-
|07:Q4
|Other
|53.46
|(+) $15
|44.72
|(+) $57
|105.11
|$0.53
|148.91
|162.35
|514.6
|-
|-
|08:Q4
|'''Total Debt'''
|29.66
|'''(+) $16'''
|24.80
|'''(+) $909'''
|52.44
|'''$17.06'''
|82.77
|}
|112.29
'''Flow into Serious Delinquency (90 days or more delinquent)'''
|302.0
{| class="wikitable"
|'''CATEGORY''' 1
|'''Q2 2022'''
|'''Q2 2023'''
|-
|-
|09:Q4
|Mortgage Debt
|22.01
|0.44%
|22.00
|0.63%
|57.67
|113.64
|177.34
|392.7
|-
|-
|10:Q4
|Home Equity Line Of Credit
|18.87
|0.32%
|18.34
|0.44%
|47.60
|122.86
|255.34
|463.0
|-
|-
|11:Q4
|Student Loan Debt
|15.70
|0.98%
|14.64
|0.85%
|48.37
|106.39
|219.03
|404.1
|-
|-
|12:Q4
|Auto Loan Debt
|16.43
|1.81%
|23.26
|2.41%
|71.72
|155.58
|285.77
|552.8
|-
|-
|13:Q4
|Credit Card Debt
|16.22
|3.35%
|18.85
|5.08%
|65.70
|134.57
|216.01
|451.4
|-
|-
|14:Q4
|Other
|14.92
|3.21%
|22.03
|4.65%
|62.41
|100.64
|154.22
|354.2
|-
|-
|15:Q4
|'''ALL'''
|21.40
|'''0.84%'''
|24.00
|'''1.16%'''
|77.40
|}
|70.80
 
|243.30
== Volume by Riskcore ==
|436.9
 
=== Morgage  ===
[[File:0df3fbf3f00eea94c0d3c3b8a818d008b450c7c1.png|alt=|center|thumb|806x806px|https://www.newyorkfed.org/microeconomics/hhdc/background.html]]'''Share by Credit Score'''[[File:95759aa399971449b38ea24ea8b85cbb7cdb5448.png|center|thumb|794x794px|https://www.newyorkfed.org/microeconomics/hhdc/background.html]]
{| class="wikitable"
!Date
 
Billions of $<ref name=":0">https://www.newyorkfed.org/microeconomics/hhdc/background.html</ref>
!<620
!620-659
!660-719
!720-759
!760+
!TOTAL
|-
|-
|16:Q4
|03:Q4
|22.82
|90.06
|27.97
|86.37
|100.60
|212.36
|105.20
|349.56
|360.20
|289.70
|616.79
|1028.1
|-
|-
|17:Q4
|04:Q4
|20.37
|88.88
|23.68
|67.39
|74.87
|158.89
|76.28
|209.93
|256.30
|146.26
|451.50
|671.4
|-
|-
|18:Q4
|05:Q4
|15.20
|87.04
|23.88
|77.70
|68.17
|184.83
|61.93
|238.86
|232.30
|211.56
|401.48
|800.0
|-
|-
|19:Q4
|06:Q4
|26.88
|92.82
|28.51
|70.42
|98.38
|137.70
|119.60
|191.52
|478.60
|149.43
|751.97
|641.9
|-
|-
|20:Q4
|07:Q4
|20.68
|53.46
|32.38
|44.72
|124.90
|105.11
|158.60
|148.91
|838.00
|162.35
|1174.56
|514.6
|-
|-
|21:Q1
|08:Q4
|15.74
|29.66
|29.15
|24.80
|110.70
|52.44
|151.70
|82.77
|831.10
|112.29
|1138.39
|302.0
|-
|-
|21:Q2
|09:Q4
|19.19
|22.01
|34.71
|22.00
|127.80
|57.67
|167.80
|113.64
|868.30
|177.34
|1217.80
|392.7
|-
|-
|21:Q3
|10:Q4
|23.31
|18.87
|33.54
|18.34
|130.40
|47.60
|158.40
|122.86
|769.00
|255.34
|1114.65
|463.0
|-
|-
|21:Q4
|11:Q4
|22.11
|15.70
|36.40
|14.64
|132.30
|48.37
|150.30
|106.39
|694.00
|219.03
|1035.11
|404.1
|-
|-
|22:Q1
|12:Q4
|19.99
|16.43
|27.36
|23.26
|112.30
|71.72
|117.40
|155.58
|581.90
|285.77
|858.95
|552.8
|-
|-
|22:Q2
|13:Q4
|21.92
|16.22
|28.21
|18.85
|94.69
|65.70
|118.50
|134.57
|494.80
|216.01
|758.12
|451.4
|-
|-
|22:Q3
|14:Q4
|19.72
|14.92
|28.03
|22.03
|88.25
|62.41
|103.30
|100.64
|393.20
|154.22
|632.50
|354.2
|-
|-
|22:Q4
|15:Q4
|14.86
|21.40
|25.72
|24.00
|68.55
|77.40
|79.94
|70.80
|308.50
|243.30
|497.57
|436.9
|-
|-
|23:Q1
|16:Q4
|11.55
|22.82
|15.66
|27.97
|42.63
|100.60
|57.29
|105.20
|196.40
|360.20
|323.53
|616.79
|-
|-
|23:Q2
|17:Q4
|13.52
|20.37
|18.42
|23.68
|57.83
|74.87
|60.99
|76.28
|242.60
|256.30
|393.36
|451.50
|}
|-
 
|18:Q4
=== Autos ===
|15.20
[[File:2d791a3561d3bded48e75da9813a9f4b304426cb.png|center|thumb|749x749px|https://www.newyorkfed.org/microeconomics/hhdc/background.html]]
|23.88
'''Share by Credit Score'''
|68.17
[[File:B30afa0fd2a3267ba7c1ed0b779518259e774ae2.png|center|thumb|746x746px|https://www.newyorkfed.org/microeconomics/hhdc/background.html]]
|61.93
 
|232.30
 
|401.48
 
|-
{| class="wikitable"
|19:Q4
!Date
|26.88
 
|28.51
Billions of $<ref name=":0" />
|98.38
!<620
|119.60
!620-659
|478.60
!660-719
|751.97
!720-759
!760+
!TOTAL
|-
|-
|04:Q4
|20:Q4
|30.0
|20.68
|13.3
|32.38
|26.4
|124.90
|16.6
|158.60
|23.4
|838.00
|109.8
|1174.56
|-
|-
|05:Q4
|21:Q1
|31.4
|15.74
|18.1
|29.15
|25.0
|110.70
|13.7
|151.70
|20.4
|831.10
|108.6
|1138.39
|-
|-
|06:Q4
|21:Q2
|30.8
|19.19
|12.9
|34.71
|23.0
|127.80
|15.0
|167.80
|22.8
|868.30
|104.5
|1217.80
|-
|-
|07:Q4
|21:Q3
|28.7
|23.31
|11.8
|33.54
|19.3
|130.40
|14.2
|158.40
|24.9
|769.00
|98.9
|1114.65
|-
|-
|08:Q4
|21:Q4
|16.9
|22.11
|8.6
|36.40
|15.5
|132.30
|11.3
|150.30
|20.5
|694.00
|72.8
|1035.11
|-
|-
|09:Q4
|22:Q1
|11.4
|19.99
|7.4
|27.36
|13.2
|112.30
|11.3
|117.40
|23.2
|581.90
|66.5
|858.95
|-
|-
|10:Q4
|22:Q2
|16.8
|21.92
|9.0
|28.21
|17.0
|94.69
|12.7
|118.50
|26.4
|494.80
|82.0
|758.12
|-
|-
|11:Q4
|22:Q3
|17.7
|19.72
|11.2
|28.03
|18.7
|88.25
|13.6
|103.30
|27.0
|393.20
|88.2
|632.50
|-
|-
|12:Q4
|22:Q4
|23.5
|14.86
|14.9
|25.72
|23.5
|68.55
|16.4
|79.94
|31.6
|308.50
|110.0
|497.57
|-
|-
|13:Q4
|23:Q1
|25.2
|11.55
|15.6
|15.66
|22.5
|42.63
|15.1
|57.29
|31.7
|196.40
|110.1
|323.53
|-
|-
|14:Q4
|23:Q2
|28.6
|13.52
|16.5
|18.42
|26.8
|57.83
|17.4
|60.99
|36.1
|242.60
|125.5
|393.36
|-
|-
|15:Q4
|23:Q3
|28.7
|14.81
|17.1
|14.51
|28.9
|60.70
|18.5
|55.65
|38.3
|240.70
|131.5
|386.37
|-
|}
|16:Q4
 
|27.2
=== Autos ===
|17.8
[[File:2d791a3561d3bded48e75da9813a9f4b304426cb.png|center|thumb|749x749px|https://www.newyorkfed.org/microeconomics/hhdc/background.html]]
|31.8
'''Share by Credit Score'''
|19.5
[[File:B30afa0fd2a3267ba7c1ed0b779518259e774ae2.png|center|thumb|746x746px|https://www.newyorkfed.org/microeconomics/hhdc/background.html]]
|45.7
 
|142.0
 
 
{| class="wikitable"
!Date
 
Billions of $<ref name=":0" />
!<620
!620-659
!660-719
!720-759
!760+
!TOTAL
|-
|-
|17:Q4
|04:Q4
|26.0
|30.0
|16.7
|13.3
|30.2
|26.4
|20.2
|16.6
|44.1
|23.4
|137.2
|109.8
|-
|-
|18:Q4
|05:Q4
|27.9
|31.4
|16.7
|18.1
|31.8
|25.0
|20.3
|13.7
|47.7
|20.4
|144.3
|108.6
|-
|-
|19:Q4
|06:Q4
|31.0
|30.8
|16.7
|12.9
|33.5
|23.0
|22.4
|15.0
|55.0
|22.8
|158.6
|104.5
|-
|-
|20:Q4
|07:Q4
|28.1
|28.7
|19.7
|11.8
|31.4
|19.3
|24.4
|14.2
|58.1
|24.9
|161.6
|98.9
|-
|-
|21:Q1
|08:Q4
|23.3
|16.9
|17.2
|8.6
|32.8
|15.5
|23.5
|11.3
|55.9
|20.5
|152.7
|72.8
|-
|-
|21:Q2
|09:Q4
|35.2
|11.4
|23.3
|7.4
|45.1
|13.2
|31.1
|11.3
|67.2
|23.2
|201.9
|66.5
|-
|-
|21:Q3
|10:Q4
|33.8
|16.8
|23.7
|9.0
|45.6
|17.0
|32.5
|12.7
|63.2
|26.4
|198.8
|82.0
|-
|-
|21:Q4
|11:Q4
|30.9
|17.7
|22.3
|11.2
|40.7
|18.7
|27.9
|13.6
|58.8
|27.0
|180.5
|88.2
|-
|-
|22:Q1
|12:Q4
|27.7
|23.5
|22.0
|14.9
|40.3
|23.5
|27.0
|16.4
|59.5
|31.6
|176.6
|110.0
|-
|-
|22:Q2
|13:Q4
|35.4
|25.2
|23.7
|15.6
|44.7
|22.5
|29.8
|15.1
|65.3
|31.7
|198.8
|110.1
|-
|-
|22:Q3
|14:Q4
|30.3
|28.6
|21.3
|16.5
|40.8
|26.8
|30.6
|17.4
|62.4
|36.1
|185.4
|125.5
|-
|-
|22:Q4
|15:Q4
|28.5
|28.7
|20.8
|17.1
|44.3
|28.9
|30.2
|18.5
|62.4
|38.3
|186.2
|131.5
|-
|-
|23:Q1
|16:Q4
|23.4
|27.2
|16.3
|17.8
|34.9
|31.8
|27.5
|19.5
|59.5
|45.7
|161.7
|142.0
|-
|17:Q4
|26.0
|16.7
|30.2
|20.2
|44.1
|137.2
|-
|-
|23:Q2
|18:Q4
|29.8
|27.9
|18.5
|16.7
|38.4
|31.8
|28.4
|20.3
|63.8
|47.7
|179.0
|144.3
|}
 
== Monthly Developments Credit ==
'''Consumer Credit % of GDP'''
[[File:Screenshot 2023-09-12 132203.png|center|thumb|804x804px|https://fred.stlouisfed.org/series/TOTALSL]]
'''Annual flow consumer credit as a % of consumer spending'''
 
The anual change in consumer credit represents on average 1.5% of consumer spending.
[[File:Screenshot 2023-09-12 132627.png|center|thumb|806x806px|https://fred.stlouisfed.org/series/TOTALSL]]
 
{| class="wikitable"
! rowspan="2" |Date<ref>https://fred.stlouisfed.org/series/TOTALSL</ref>
!Total Consumer Credit
Owned and Securitized
!Total Consumer Credit
Owned and Securitized
!Total Consumer Credit
Owned and Securitized
!Total Consumer Credit
Owned and Securitized
|-
|-
!Billions of Dollars SA
|19:Q4
!M/M
|31.0
!Y/Y
|16.7
!FLOW M/M
|33.5
|22.4
|55.0
|158.6
|-
|-
!Average
|20:Q4
!1,122.40
|28.1
!0.69
|19.7
!9.09
|31.4
!5.15
|24.4
|58.1
|161.6
|-
|-
|2023-07-01
|21:Q1
|4,985
|23.3
|0.21
|17.2
|4.91
|32.8
|10.40
|23.5
|55.9
|152.7
|-
|-
|2023-06-01
|21:Q2
|4,974
|35.2
|0.28
|23.3
|5.28
|45.1
|14.02
|31.1
|67.2
|201.9
|-
|-
|2023-05-01
|21:Q3
|4,960
|33.8
|0.00
|23.7
|5.73
|45.6
| -0.03
|32.5
|63.2
|198.8
|-
|-
|2023-04-01
|21:Q4
|4,960
|30.9
|0.29
|22.3
|6.34
|40.7
|14.48
|27.9
|58.8
|180.5
|-
|-
|2023-03-01
|22:Q1
|4,946
|27.7
|0.40
|22.0
|6.67
|40.3
|19.86
|27.0
|59.5
|176.6
|-
|-
|2023-02-01
|22:Q2
|4,926
|35.4
|0.23
|23.7
|7.14
|44.7
|11.46
|29.8
|65.3
|198.8
|-
|-
|2023-01-01
|22:Q3
|4,915
|30.3
|0.43
|21.3
|7.63
|40.8
|21.13
|30.6
|62.4
|185.4
|-
|-
|2022-12-01
|22:Q4
|4,893
|28.5
|0.40
|20.8
|7.58
|44.3
|19.28
|30.2
|62.4
|186.2
|-
|-
|2022-11-01
|23:Q1
|4,874
|23.4
|0.67
|16.3
|7.75
|34.9
|32.64
|27.5
|59.5
|161.7
|-
|-
|2022-10-01
|23:Q2
|4,841
|29.8
|0.73
|18.5
|7.69
|38.4
|35.13
|28.4
|63.8
|179.0
|-
|-
|2022-09-01
|23:Q3
|4,806
|28.0
|0.57
|18.8
|7.34
|38.8
|27.44
|27.6
|-
|66.1
|2022-08-01
|179.3
|4,779
|}
|0.58
 
|7.30
== Monthly Developments Credit ==
|27.42
'''Consumer Credit % of GDP'''
[[File:Screenshot 2023-09-12 132203.png|center|thumb|804x804px|https://fred.stlouisfed.org/series/TOTALSL]]
'''Annual flow consumer credit as a % of consumer spending'''
 
The anual change in consumer credit represents on average 1.5% of consumer spending.
[[File:Screenshot 2023-09-12 132627.png|center|thumb|806x806px|https://fred.stlouisfed.org/series/TOTALSL]]
 
{| class="wikitable"
! rowspan="2" |Date<ref>https://fred.stlouisfed.org/series/TOTALSL</ref>
!Total Consumer Credit
Owned and Securitized
!Total Consumer Credit
Owned and Securitized
!Total Consumer Credit
Owned and Securitized
!Total Consumer Credit
Owned and Securitized
|-
|-
|2022-07-01
!Billions of Dollars SA
|4,751
!M/M
|0.56
!Y/Y
|7.10
!FLOW M/M
|26.56
|-
|-
|2022-06-01
!Average
|4,725
!1,122.40
|0.71
!0.69
|6.94
!9.09
|33.43
!5.15
|-
|-
|2022-05-01
|2023-07-01
|4,692
|4,985
|0.57
|0.21
|9.85
|4.91
|26.75
|10.40
|-
|-
|2022-04-01
|2023-06-01
|4,665
|4,974
|0.61
|0.28
|9.93
|5.28
|28.34
|14.02
|-
|-
|2022-03-01
|2023-05-01
|4,636
|4,960
|0.84
|0.00
|9.69
|5.73
|38.67
| -0.03
|-
|-
|2022-02-01
|2023-04-01
|4,598
|4,960
|0.69
|0.29
|9.09
|6.34
|31.68
|14.48
|-
|-
|2022-01-01
|2023-03-01
|4,566
|4,946
|0.39
|0.40
|8.79
|6.67
|17.53
|19.86
|-
|-
|2021-12-01
|2023-02-01
|4,549
|4,926
|0.55
|0.23
|8.69
|7.14
|24.95
|11.46
|-
|-
|2021-11-01
|2023-01-01
|4,524
|4,915
|0.62
|0.43
|8.48
|7.63
|28.03
|21.13
|-
|-
|2021-10-01
|2022-12-01
|4,496
|4,893
|0.40
|0.40
|7.90
|7.58
|17.70
|19.28
|-
|-
|2021-09-01
|2022-11-01
|4,478
|4,874
|0.54
|0.67
|7.60
|7.75
|24.23
|32.64
|-
|-
|2021-08-01
|2022-10-01
|4,454
|4,841
|0.38
|0.73
|7.43
|7.69
|17.00
|35.13
|-
|-
|2021-07-01
|2022-09-01
|4,437
|4,806
|0.41
|0.57
|6.88
|7.34
|18.25
|27.44
|-
|-
|2021-06-01
|2022-08-01
|4,418
|4,779
|3.45
|0.58
|6.88
|7.30
|147.46
|27.42
|-
|-
|2021-05-01
|2022-07-01
|4,271
|4,751
|0.65
|0.56
|3.55
|7.10
|27.63
|26.56
|-
|-
|2021-04-01
|2022-06-01
|4,243
|4,725
|0.39
|0.71
|2.40
|6.94
|16.46
|33.43
|-
|-
|2021-03-01
|2022-05-01
|4,227
|4,692
|0.29
|0.57
|0.47
|9.85
|12.06
|26.75
|-
|-
|2021-02-01
|2022-04-01
|4,215
|4,665
|0.42
|0.61
| -0.17
|9.93
|17.78
|28.34
|-
|-
|2021-01-01
|2022-03-01
|4,197
|4,636
|0.29
|0.84
| -0.26
|9.69
|12.13
|38.67
|-
|-
|2020-12-01
|2022-02-01
|4,185
|4,598
|0.36
|0.69
| -0.18
|9.09
|15.05
|31.68
|-
|-
|2020-11-01
|2022-01-01
|4,170
|4,566
|0.08
|0.39
|0.15
|8.79
|3.51
|17.53
|-
|-
|2020-10-01
|2021-12-01
|4,166
|4,549
|0.11
|0.55
|0.12
|8.69
|4.66
|24.95
|-
|-
|2020-09-01
|2021-11-01
|4,162
|4,524
|0.39
|0.62
|0.42
|8.48
|16.20
|28.03
|-
|-
|2020-08-01
|2021-10-01
|4,145
|4,496
| -0.13
|0.40
|0.35
|7.90
| -5.53
|17.70
|-
|2021-09-01
|4,478
|0.54
|7.60
|24.23
|-
|2021-08-01
|4,454
|0.38
|7.43
|17.00
|-
|-
|2020-07-01
|2021-07-01
|4,151
|4,437
|0.41
|0.41
|0.83
|6.88
|17.07
|18.25
|-
|-
|2020-06-01
|2021-06-01
|4,134
|4,418
|0.23
|3.45
|1.02
|6.88
|9.51
|147.46
|-
|-
|2020-05-01
|2021-05-01
|4,124
|4,271
| -0.47
|0.65
|1.00
|3.55
| -19.27
|27.63
|-
|-
|2020-04-01
|2021-04-01
|4,144
|4,243
| -1.51
|0.39
|1.80
|2.40
| -63.55
|16.46
|-
|-
|2020-03-01
|2021-03-01
|4,207
|4,227
| -0.34
|0.29
|3.80
|0.47
| -14.53
|12.06
|-
|-
|2020-02-01
|2021-02-01
|4,222
|4,215
|0.32
|0.42
|4.48
| -0.17
|13.64
|17.78
|-
|-
|2020-01-01
|2021-01-01
|4,208
|4,197
|0.38
|0.29
|4.49
| -0.26
|15.91
|12.13
|-
|2020-12-01
|4,185
|0.36
| -0.18
|15.05
|-
|2020-11-01
|4,170
|0.08
|0.15
|3.51
|-
|-
|2019-12-01
|2020-10-01
|4,192
|4,166
|0.69
|0.11
|4.62
|0.12
|28.82
|4.66
|}
 
=== <big>Revolving Credit</big> ===
 
 
'''Resolving Consumer Credit Annual Change'''
[[File:Screenshot 2023-09-14 135838.png|center|thumb|824x824px|https://fred.stlouisfed.org/series/REVOLSL]]
 
 
'''Consumer Credit % of GDP'''
[[File:Screenshot 2023-09-12 134927.png|center|thumb|801x801px|https://fred.stlouisfed.org/series/REVOLSL]]'''Annual flow revolving consumer credit as a % of consumer spending'''
 
The annual change in consumer credit represents on average 0.43% of consumer spending.
[[File:Screenshot 2023-09-12 135717.png|center|thumb|809x809px|https://fred.stlouisfed.org/series/REVOLSL]]
{| class="wikitable"
! rowspan="2" |Date<ref>https://fred.stlouisfed.org/series/REVOLSL</ref>
!Revolving Consumer Credit
Owned and Securitized
!Revolving Consumer Credit
Owned and Securitized
!Revolving Consumer Credit
Owned and Securitized
!Revolving Consumer Credit
Owned and Securitized
!Revolving Consumer Credit
Owned and Securitized
|-
|-
!Billions of Dollars SA
|2020-09-01
!M/M
|4,162
!Y/Y
|0.39
!FLOW M/M
|0.42
!FLOW Y/Y
|16.20
|-
|-
!Average
|2020-08-01
!479.28
|4,145
!1.09
| -0.13
!14.37
|0.35
!1.91
| -5.53
!22.37
|-
|-
|2023-07-01
|2020-07-01
|1,271
|4,151
|0.76
|0.41
|10.78
|0.83
|9.63
|17.07
|123.66
|-
|-
|2023-06-01
|2020-06-01
|1,261
|4,134
| -0.07
|0.23
|11.13
|1.02
| -0.87
|9.51
|126.32
|-
|-
|2023-05-01
|2020-05-01
|1,262
|4,124
|0.65
| -0.47
|12.64
|1.00
|8.12
| -19.27
|141.63
|-
|-
|2023-04-01
|2020-04-01
|1,254
|4,144
|1.10
| -1.51
|12.89
|1.80
|13.69
| -63.55
|143.12
|-
|-
|2023-03-01
|2020-03-01
|1,240
|4,207
|1.12
| -0.34
|13.06
|3.80
|13.71
| -14.53
|143.23
|-
|-
|2023-02-01
|2020-02-01
|1,226
|4,222
|0.27
|0.32
|14.21
|4.48
|3.36
|13.64
|152.55
|-
|-
|2023-01-01
|2020-01-01
|1,223
|4,208
|0.86
|0.38
|15.08
|4.49
|10.41
|15.91
|160.23
|-
|-
|2022-12-01
|2019-12-01
|1,213
|4,192
|0.96
|0.69
|15.10
|4.62
|11.52
|28.82
|159.08
|}
 
=== <big>Revolving Credit</big> ===
 
 
'''Resolving Consumer Credit Annual Change'''
[[File:Screenshot 2023-09-14 135838.png|center|thumb|824x824px|https://fred.stlouisfed.org/series/REVOLSL]]
 
 
'''Consumer Credit % of GDP'''
[[File:Screenshot 2023-09-12 134927.png|center|thumb|801x801px|https://fred.stlouisfed.org/series/REVOLSL]]'''Annual flow revolving consumer credit as a % of consumer spending'''
 
The annual change in consumer credit represents on average 0.43% of consumer spending.
[[File:Screenshot 2023-09-12 135717.png|center|thumb|809x809px|https://fred.stlouisfed.org/series/REVOLSL]]
{| class="wikitable"
! rowspan="2" |Date<ref>https://fred.stlouisfed.org/series/REVOLSL</ref>
!Revolving Consumer Credit
Owned and Securitized
!Revolving Consumer Credit
Owned and Securitized
!Revolving Consumer Credit
Owned and Securitized
!Revolving Consumer Credit
Owned and Securitized
!Revolving Consumer Credit
Owned and Securitized
|-
|-
|2022-11-01
!Billions of Dollars SA
|1,201
!M/M
|1.31
!Y/Y
|15.04
!FLOW M/M
|15.58
!FLOW Y/Y
|157.04
|-
|-
|2022-10-01
!Average
|1,186
!479.28
|1.19
!1.09
|15.05
!14.37
|14.00
!1.91
|155.06
!22.37
|-
|-
|2022-09-01
|2023-07-01
|1,172
|1,271
|0.82
|0.76
|14.55
|10.78
|9.53
|9.63
|148.77
|123.66
|-
|-
|2022-08-01
|2023-06-01
|1,162
|1,261
|1.31
| -0.07
|14.80
|11.13
|14.98
| -0.87
|149.80
|126.32
|-
|-
|2022-07-01
|2023-05-01
|1,147
|1,262
|1.08
|0.65
|13.83
|12.64
|12.29
|8.12
|139.38
|141.63
|-
|-
|2022-06-01
|2023-04-01
|1,135
|1,254
|1.29
|1.10
|13.26
|12.89
|14.43
|13.69
|132.88
|143.12
|-
|-
|2022-05-01
|2023-03-01
|1,120
|1,240
|0.87
|1.12
|14.38
|13.06
|9.61
|13.71
|140.86
|143.23
|-
|-
|2022-04-01
|2023-02-01
|1,111
|1,226
|1.26
|0.27
|14.31
|14.21
|13.80
|3.36
|139.08
|152.55
|-
|-
|2022-03-01
|2023-01-01
|1,097
|1,223
|2.15
|0.86
|12.84
|15.08
|23.04
|10.41
|124.84
|160.23
|-
|-
|2022-02-01
|2022-12-01
|1,074
|1,213
|1.04
|0.96
|10.20
|15.10
|11.04
|11.52
|99.39
|159.08
|-
|-
|2022-01-01
|2022-11-01
|1,063
|1,201
|0.88
|1.31
|9.38
|15.04
|9.26
|15.58
|91.16
|157.04
|-
|-
|2021-12-01
|2022-10-01
|1,054
|1,186
|0.91
|1.19
|8.10
|15.05
|9.48
|14.00
|78.94
|155.06
|-
|-
|2021-11-01
|2022-09-01
|1,044
|1,172
|1.32
|0.82
|7.43
|14.55
|13.60
|9.53
|72.19
|148.77
|-
|-
|2021-10-01
|2022-08-01
|1,030
|1,162
|0.75
|1.31
|5.30
|14.80
|7.71
|14.98
|51.90
|149.80
|-
|-
|2021-09-01
|2022-07-01
|1,023
|1,147
|1.04
|1.08
|4.09
|13.83
|10.55
|12.29
|40.17
|139.38
|-
|-
|2021-08-01
|2022-06-01
|1,012
|1,135
|0.45
|1.29
|3.32
|13.26
|4.56
|14.43
|32.51
|132.88
|-
|-
|2021-07-01
|2022-05-01
|1,008
|1,120
|0.58
|0.87
|1.87
|14.38
|5.79
|9.61
|18.48
|140.86
|-
|-
|2021-06-01
|2022-04-01
|1,002
|1,111
|2.29
|1.26
|1.11
|14.31
|22.42
|13.80
|11.04
|139.08
|-
|-
|2021-05-01
|2022-03-01
|979
|1,097
|0.81
|2.15
| -2.09
|12.84
|7.83
|23.04
| -20.86
|124.84
|-
|-
|2021-04-01
|2022-02-01
|972
|1,074
| -0.05
|1.04
| -5.24
|10.20
| -0.44
|11.04
| -53.77
|99.39
|-
|-
|2021-03-01
|2022-01-01
|972
|1,063
| -0.25
|0.88
| -10.17
|9.38
| -2.42
|9.26
| -110.08
|91.16
|-
|-
|2021-02-01
|2021-12-01
|974
|1,054
|0.29
|0.91
| -11.45
|8.10
|2.82
|9.48
| -126.04
|78.94
|-
|-
|2021-01-01
|2021-11-01
|972
|1,044
| -0.30
|1.32
| -11.33
|7.43
| -2.97
|13.60
| -124.17
|72.19
|-
|-
|2020-12-01
|2021-10-01
|975
|1,030
|0.28
|0.75
| -10.75
|5.30
|2.73
|7.71
| -117.39
|51.90
|-
|-
|2020-11-01
|2021-09-01
|972
|1,023
| -0.68
|1.04
| -9.74
|4.09
| -6.68
|10.55
| -104.84
|40.17
|-
|-
|2020-10-01
|2021-08-01
|979
|1,012
| -0.41
|0.45
| -9.92
|3.32
| -4.03
|4.56
| -107.81
|32.51
|-
|-
|2020-09-01
|2021-07-01
|983
|1,008
|0.30
|0.58
| -9.28
|1.87
|2.90
|5.79
| -100.53
|18.48
|-
|-
|2020-08-01
|2021-06-01
|980
|1,002
| -0.96
|2.29
| -9.51
|1.11
| -9.48
|22.42
| -102.97
|11.04
|-
|-
|2020-07-01
|2021-05-01
|989
|979
| -0.17
|0.81
| -8.52
| -2.09
| -1.64
|7.83
| -92.16
| -20.86
|-
|-
|2020-06-01
|2021-04-01
|991
|972
| -0.95
| -0.05
| -7.40
| -5.24
| -9.48
| -0.44
| -79.22
| -53.77
|-
|-
|2020-05-01
|2021-03-01
|1,000
|972
| -2.45
| -0.25
| -6.87
| -10.17
| -25.09
| -2.42
| -73.78
| -110.08
|-
|-
|2020-04-01
|2021-02-01
|1,025
|974
| -5.24
|0.29
| -4.27
| -11.45
| -56.75
|2.82
| -45.68
| -126.04
|-
|2020-03-01
|1,082
| -1.67
|1.70
| -18.38
|18.14
|-
|-
|2020-02-01
|2021-01-01
|1,100
|972
|0.43
| -0.30
|3.49
| -11.33
|4.69
| -2.97
|37.16
| -124.17
|-
|-
|2020-01-01
|2020-12-01
|1,096
|975
|0.35
|0.28
|3.31
| -10.75
|3.81
|2.73
|35.12
| -117.39
|-
|2020-11-01
|972
| -0.68
| -9.74
| -6.68
| -104.84
|-
|-
|2019-12-01
|2020-10-01
|1,092
|979
|1.42
| -0.41
|3.62
| -9.92
|15.29
| -4.03
|38.14
| -107.81
|}
 
=== <big>Non Revolving Credit</big> ===
'''Non Revolving Consumer Credit Annual Change'''
[[File:Screenshot 2023-09-14 141051.png|center|thumb|848x848px|https://fred.stlouisfed.org/series/NONREVSL]]
 
'''Non revolving Consumer Credit % of GDP'''
[[File:Screenshot 2023-09-14 141432.png|center|thumb|841x841px|https://fred.stlouisfed.org/series/NONREVSL]]
 
{| class="wikitable"
! rowspan="2" |Date<ref>https://fred.stlouisfed.org/series/NONREVSL</ref>
!Nonrevolving Consumer
Credit Owned and Securitized
!Nonrevolving Consumer
Credit Owned and Securitized
!Nonrevolving Consumer
Credit Owned and Securitized
!Nonrevolving Consumer
Credit Owned and Securitized
!Nonrevolving Consumer
Credit Owned and Securitized
|-
|-
!Billions of Dollars SA
|2020-09-01
!M/M
|983
!Y/Y
|0.30
!FLOW M/M
| -9.28
!FLOW Y/Y
|2.90
| -100.53
|-
|-
!Average
|2020-08-01
!
|980
!0.66
| -0.96
!8.71
| -9.51
!3.84
| -9.48
!46.20
| -102.97
|-
|-
|2023-07-01
|2020-07-01
|3,714
|989
|0.02
| -0.17
|3.04
| -8.52
|0.77
| -1.64
|109.55
| -92.16
|-
|-
|2023-06-01
|2020-06-01
|3,713
|991
|0.40
| -0.95
|3.43
| -7.40
|14.89
| -9.48
|123.05
| -79.22
|-
|-
|2023-05-01
|2020-05-01
|3,698
|1,000
| -0.22
| -2.45
|3.56
| -6.87
| -8.15
| -25.09
|127.15
| -73.78
|-
|-
|2023-04-01
|2020-04-01
|3,707
|1,025
|0.02
| -5.24
|4.29
| -4.27
|0.79
| -56.75
|152.44
| -45.68
|-
|-
|2023-03-01
|2020-03-01
|3,706
|1,082
|0.17
| -1.67
|4.70
|1.70
|6.14
| -18.38
|166.20
|18.14
|-
|-
|2023-02-01
|2020-02-01
|3,700
|1,100
|0.22
|0.43
|4.99
|3.49
|8.10
|4.69
|175.69
|37.16
|-
|-
|2023-01-01
|2020-01-01
|3,692
|1,096
|0.29
|0.35
|5.37
|3.31
|10.72
|3.81
|188.23
|35.12
|-
|-
|2022-12-01
|2019-12-01
|3,681
|1,092
|0.21
|1.42
|5.32
|3.62
|7.75
|15.29
|185.78
|38.14
|}
 
=== <big>Non Revolving Credit</big> ===
'''Non Revolving Consumer Credit Annual Change'''
[[File:Screenshot 2023-09-14 141051.png|center|thumb|848x848px|https://fred.stlouisfed.org/series/NONREVSL]]
 
'''Non revolving Consumer Credit % of GDP'''
[[File:Screenshot 2023-09-14 141432.png|center|thumb|841x841px|https://fred.stlouisfed.org/series/NONREVSL]]
 
{| class="wikitable"
! rowspan="2" |Date<ref>https://fred.stlouisfed.org/series/NONREVSL</ref>
!Nonrevolving Consumer
Credit Owned and Securitized
!Nonrevolving Consumer
Credit Owned and Securitized
!Nonrevolving Consumer
Credit Owned and Securitized
!Nonrevolving Consumer
Credit Owned and Securitized
!Nonrevolving Consumer
Credit Owned and Securitized
|-
|-
|2022-11-01
!Billions of Dollars SA
|3,673
!M/M
|0.47
!Y/Y
|5.56
!FLOW M/M
|17.06
!FLOW Y/Y
|193.50
|-
|-
|2022-10-01
!Average
|3,656
!
|0.58
!0.66
|5.51
!8.71
|21.13
!3.84
|190.87
!46.20
|-
|-
|2022-09-01
|2023-07-01
|3,635
|3,714
|0.50
|0.02
|5.20
|3.04
|17.91
|0.77
|179.72
|109.55
|-
|-
|2022-08-01
|2023-06-01
|3,617
|3,713
|0.35
|5.10
|12.44
|175.49
|-
|2022-07-01
|3,604
|0.40
|0.40
|5.12
|3.43
|14.26
|14.89
|175.49
|123.05
|-
|-
|2022-06-01
|2023-05-01
|3,590
|3,698
|0.53
| -0.22
|5.08
|3.56
|18.99
| -8.15
|173.68
|127.15
|-
|-
|2022-05-01
|2023-04-01
|3,571
|3,707
|0.48
|0.02
|8.50
|4.29
|17.14
|0.79
|279.73
|152.44
|-
|-
|2022-04-01
|2023-03-01
|3,554
|3,706
|0.41
|0.17
|8.63
|4.70
|14.55
|6.14
|282.39
|166.20
|-
|-
|2022-03-01
|2023-02-01
|3,540
|3,700
|0.44
|0.22
|8.75
|4.99
|15.63
|8.10
|284.75
|175.69
|-
|-
|2022-02-01
|2023-01-01
|3,524
|3,692
|0.59
|0.29
|8.75
|5.37
|20.64
|10.72
|283.59
|188.23
|-
|-
|2022-01-01
|2022-12-01
|3,503
|3,681
|0.24
|0.21
|8.62
|5.32
|8.27
|7.75
|277.91
|185.78
|-
|-
|2021-12-01
|2022-11-01
|3,495
|3,673
|0.44
|0.47
|8.87
|5.56
|15.47
|17.06
|284.75
|193.50
|-
|-
|2021-11-01
|2022-10-01
|3,480
|3,656
|0.42
|0.58
|8.81
|5.51
|14.43
|21.13
|281.59
|190.87
|-
|-
|2021-10-01
|2022-09-01
|3,465
|3,635
|0.29
|0.50
|8.70
|5.20
|9.98
|17.91
|277.35
|179.72
|-
|-
|2021-09-01
|2022-08-01
|3,455
|3,617
|0.35
|5.10
|12.44
|175.49
|-
|2022-07-01
|3,604
|0.40
|0.40
|8.68
|5.12
|13.68
|14.26
|276.06
|175.49
|-
|-
|2021-08-01
|2022-06-01
|3,441
|3,590
|0.36
|0.53
|8.71
|5.08
|12.44
|18.99
|275.68
|173.68
|-
|-
|2021-07-01
|2022-05-01
|3,429
|3,571
|0.36
|0.48
|8.45
|8.50
|12.45
|17.14
|267.19
|279.73
|-
|-
|2021-06-01
|2022-04-01
|3,417
|3,554
|3.80
|0.41
|8.70
|8.63
|125.05
|14.55
|273.45
|282.39
|-
|-
|2021-05-01
|2022-03-01
|3,291
|3,540
|0.61
|0.44
|5.36
|8.75
|19.80
|15.63
|167.39
|284.75
|-
|-
|2021-04-01
|2022-02-01
|3,272
|3,524
|0.52
|0.59
|4.92
|8.75
|16.90
|20.64
|153.41
|283.59
|-
|-
|2021-03-01
|2022-01-01
|3,255
|3,503
|0.45
|0.24
|4.15
|8.62
|14.48
|8.27
|129.70
|277.91
|-
|-
|2021-02-01
|2021-12-01
|3,240
|3,495
|0.46
|0.44
|3.81
|8.87
|14.96
|15.47
|119.07
|284.75
|-
|-
|2021-01-01
|2021-11-01
|3,225
|3,480
|0.47
|0.42
|3.63
|8.81
|15.10
|14.43
|113.06
|281.59
|-
|-
|2020-12-01
|2021-10-01
|3,210
|3,465
|0.39
|0.29
|3.55
|8.70
|12.31
|9.98
|110.06
|277.35
|-
|-
|2020-11-01
|2021-09-01
|3,198
|3,455
|0.32
|0.40
|3.60
|8.68
|10.19
|13.68
|111.27
|276.06
|-
|-
|2020-10-01
|2021-08-01
|3,188
|3,441
|0.27
|0.36
|3.67
|8.71
|8.69
|12.44
|112.71
|275.68
|-
|-
|2020-09-01
|2021-07-01
|3,179
|3,429
|0.42
|0.36
|3.86
|8.45
|13.30
|12.45
|118.08
|267.19
|-
|-
|2020-08-01
|2021-06-01
|3,166
|3,417
|0.12
|3.80
|3.85
|8.70
|3.95
|125.05
|117.43
|273.45
|-
|-
|2020-07-01
|2021-05-01
|3,162
|3,291
|0.60
|4.17
|18.71
|126.50
|-
|2020-06-01
|3,143
|0.61
|0.61
|4.00
|5.36
|18.99
|19.80
|120.83
|167.39
|-
|-
|2020-05-01
|2021-04-01
|3,124
|3,272
|0.19
|0.52
|4.92
|16.90
|153.41
|-
|2021-03-01
|3,255
|0.45
|4.15
|14.48
|129.70
|-
|2021-02-01
|3,240
|0.46
|3.81
|3.81
|5.82
|14.96
|114.53
|119.07
|-
|-
|2020-04-01
|2021-01-01
|3,118
|3,225
| -0.22
|0.47
|3.96
|3.63
| -6.81
|15.10
|118.84
|113.06
|-
|2020-12-01
|3,210
|0.39
|3.55
|12.31
|110.06
|-
|2020-11-01
|3,198
|0.32
|3.60
|10.19
|111.27
|-
|-
|2020-03-01
|2020-10-01
|3,188
|0.27
|3.67
|8.69
|112.71
|-
|2020-09-01
|3,179
|0.42
|3.86
|13.30
|118.08
|-
|2020-08-01
|3,166
|0.12
|3.85
|3.95
|117.43
|-
|2020-07-01
|3,162
|0.60
|4.17
|18.71
|126.50
|-
|2020-06-01
|3,143
|0.61
|4.00
|18.99
|120.83
|-
|2020-05-01
|3,124
|0.19
|3.81
|5.82
|114.53
|-
|2020-04-01
|3,118
| -0.22
|3.96
| -6.81
|118.84
|-
|2020-03-01
|3,125
|3,125
|0.12
|0.12
|4.55
|4.55
|3.85
|3.85
|136.03
|136.03
|-
|-
|2020-02-01
|2020-02-01
|3,121
|3,121
|0.29
|0.29
|4.83
|4.83
|8.95
|8.95
|143.77
|143.77
|-
|2020-01-01
|3,112
|0.39
|4.91
|12.10
|145.73
|-
|2019-12-01
|3,100
|0.44
|4.98
|13.53
|147.01
|}
 
== Deliquencies ==
[[File:Screenshot 2023-09-14 143621.png|center|thumb|700x700px|https://www.washingtonpost.com/business/2023/08/30/delinquencies-credit-auto-loans/]]
 
=== Percent Balance by Delinquency Status ===
{| class="wikitable"
!Date<ref>https://www.newyorkfed.org/microeconomics/hhdc.html</ref>
!Current
!30 days late
!60 days late
!90 days late
!120+ days late
!Severely Derogatory
!Total
|-
|03:Q4
|95.5
|1.6
|0.5
|0.3
|0.7
|1.4
|4.5
|-
|04:Q4
|95.7
|1.5
|0.5
|0.2
|0.7
|1.3
|4.2
|-
|05:Q4
|96.1
|1.4
|0.5
|0.2
|0.6
|1.1
|3.8
|-
|06:Q4
|95.3
|1.8
|0.6
|0.3
|0.7
|1.3
|4.7
|-
|07:Q4
|93.3
|2.1
|1.0
|0.6
|1.2
|1.8
|6.7
|-
|08:Q4
|90.2
|2.5
|1.4
|0.8
|2.3
|2.8
|9.8
|-
|09:Q4
|88.1
|2.1
|1.2
|0.9
|3.9
|3.7
|11.9
|-
|10:Q4
|89.3
|1.8
|1.0
|0.6
|3.5
|3.7
|10.7
|-
|11:Q4
|90.3
|1.7
|0.8
|0.5
|3.3
|3.3
|9.7
|-
|12:Q4
|91.4
|1.6
|0.7
|0.4
|3.0
|2.8
|8.6
|-
|13:Q4
|92.9
|1.4
|0.7
|0.4
|2.3
|2.4
|7.1
|-
|14:Q4
|94.0
|1.1
|0.6
|0.3
|1.8
|2.2
|6.0
|-
|15:Q4
|94.6
|1.2
|0.5
|0.3
|1.5
|1.9
|5.4
|-
|17:Q4
|95.3
|1.2
|0.5
|0.3
|0.9
|1.9
|4.7
|-
|18:Q4
|95.4
|1.2
|0.4
|0.3
|0.9
|1.9
|4.7
|-
|19:Q1
|95.4
|1.1
|0.4
|0.3
|0.8
|2.0
|4.6
|-
|19:Q2
|95.6
|1.1
|0.4
|0.3
|0.7
|2.0
|4.4
|-
|19:Q3
|95.2
|1.2
|0.5
|0.3
|0.8
|2.0
|4.8
|-
|19:Q4
|95.3
|1.1
|0.5
|0.3
|0.8
|2.0
|4.7
|-
|20:Q1
|95.4
|1.1
|0.4
|0.3
|0.8
|2.1
|4.6
|-
|20:Q2
|96.4
|0.6
|0.2
|0.1
|0.5
|2.1
|3.6
|-
|20:Q3
|96.6
|0.7
|0.2
|0.1
|0.4
|2.0
|3.4
|-
|20:Q4
|96.8
|0.6
|0.2
|0.1
|0.4
|1.9
|3.2
|-
|21:Q1
|97.0
|0.5
|0.2
|0.1
|0.4
|1.9
|3.1
|-
|21:Q2
|97.3
|0.5
|0.1
|0.1
|0.3
|1.7
|2.7
|-
|21:Q3
|97.3
|0.6
|0.2
|0.1
|0.3
|1.6
|2.7
|-
|21:Q4
|97.3
|0.6
|0.2
|0.1
|0.3
|1.5
|2.7
|-
|22:Q1
|97.3
|0.6
|0.2
|0.1
|0.3
|1.5
|2.7
|-
|22:Q2
|97.3
|0.7
|0.2
|0.1
|0.4
|1.3
|2.7
|-
|22:Q3
|97.3
|0.8
|0.3
|0.1
|0.3
|1.2
|2.7
|-
|22:Q4
|97.5
|0.8
|0.3
|0.1
|0.3
|1.0
|2.5
|-
|23:Q1
|97.4
|0.8
|0.3
|0.1
|0.3
|1.0
|2.6
|-
|23:Q2
|97.4
|0.8
|0.3
|0.1
|0.3
|1.0
|2.6
|-
|-
|2020-01-01
|23:Q3
|3,112
|97.0
|0.39
|1.0
|4.91
|0.4
|12.10
|0.2
|145.73
|0.3
|-
|1.1
|2019-12-01
|3.0
|3,100
|0.44
|4.98
|13.53
|147.01
|}
|}
== Deliquencies ==
[[File:Screenshot 2023-09-14 143621.png|center|thumb|700x700px|https://www.washingtonpost.com/business/2023/08/30/delinquencies-credit-auto-loans/]]


== SCE CREDIT ACCESS SURVEY ==
== SCE CREDIT ACCESS SURVEY ==
Retrieved from "https://investmentwiki.mywikis.eu/wiki/Special:MobileDiff/9836"