Line
Serious Delinquency by Loan Type
Share of U.S. balances 90+ days past due, by loan type, %
4 of 4 series are above their level a year earlier·1 of 4 is at a five-year high
Plays the chart through its history. Pauses are where the data set a record or moved most.
Credit card · Continuation · the recent trend, flattening · 1 year
Student loan · Continuation · the recent trend, flattening · 1 year
Auto loan · Continuation · the recent trend, flattening · 1 year
Mortgage · Continuation · the recent trend, flattening · 1 year
Dashed: the projection from the latest reading. A projection, not a promise.
Student loan delinquencies were not reported to credit bureaus during the pandemic payment pause.
The same 90-day test applied to each kind of household debt. Card and student balances have tended to run well above mortgages; the gaps between the lines show where stress sits.
What this chart reads
- Credit Card Balances 90+ Days Delinquent · Quarterly (NY Fed)as “Credit card”latest 2026-06-30
- Student Loan Balances 90+ Days Delinquent (NY Fed)as “Student loan”latest 2026-06-30
- Auto Loan Balances 90+ Days Delinquent · Quarterly (NY Fed)as “Auto loan”latest 2026-06-30
- Mortgage Balances 90+ Days Delinquent (NY Fed)as “Mortgage”latest 2026-06-30
Sources
Credit Card Balances 90+ Days Delinquent · Quarterly (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit (data xlsx, Page 12). Public.
Student Loan Balances 90+ Days Delinquent (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, data workbook (Page 12). Public.
Auto Loan Balances 90+ Days Delinquent · Quarterly (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit (data xlsx, Page 12). Public.
Mortgage Balances 90+ Days Delinquent (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, data workbook (Page 12). 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.