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New Serious Delinquencies by Loan Type

Share of U.S. balances moving into 90+ days past due over the past year, %

Credit card: 7.0% in Q2 2026−0.2 pp since Q4 2025
YTD1y2y5y10y20yAll
Forecast availableOffContinuationForesight™
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U.S. recessionsShades the months the NBER dates as recession. U.S. charts only.High and lowMarks the highest and lowest readings in the window shown.
Current·Data to Q2 2026

Plays the chart through its history. Pauses are where the data set a record or moved most.

The flow version of delinquency: how much of each loan type newly went 90 days late in the past year. Flows move before the stock of bad debt does, so they are the earlier read.

What this chart reads

Sources

Credit Card Balances Flowing Into Serious Delinquency (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, data workbook (Page 14). Public.

Auto Loan Balances Flowing Into Serious Delinquency (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, data workbook (Page 14). Public.

Mortgage Balances Flowing Into Serious Delinquency (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, data workbook (Page 14). Public.

Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.

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