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Young Borrowers Falling Seriously Behind
Share of balances moving into 90+ day delinquency over the past year, borrowers under thirty vs all ages, %
3 of 4 series are above their level a year earlier
Plays the chart through its history. Pauses are where the data set a record or moved most.
New York Fed Consumer Credit Panel/Equifax, Quarterly Report on Household Debt and Credit. Four-quarter moving sums.
Card and auto stress among the youngest borrowers against everyone else. Thin savings and credit files make them the first to fall behind.
What this chart reads
- Credit Card Balances Turning Seriously Delinquent, Ages 18–29 (NY Fed)as “Credit cards, ages 18–29”latest 2026-06-30
- Credit Card Balances Flowing Into Serious Delinquency (NY Fed)as “Credit cards, all ages”latest 2026-06-30
- Auto Loan Balances Turning Seriously Delinquent, Ages 18–29 (NY Fed)as “Auto loans, ages 18–29”latest 2026-06-30
- Auto Loan Balances Flowing Into Serious Delinquency (NY Fed)as “Auto loans, all ages”latest 2026-06-30
Sources
Credit Card Balances Turning Seriously Delinquent, Ages 18–29 (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, data workbook (Page 27, Transition into Serious Delinquency (90+) for Credit Cards by Age, column "18-29"), built on the New York Fed Consumer Credit Panel / Equifax. Used under the New York Fed's terms (business use with attribution). Source: New York Fed Consumer Credit Panel/Equifax. Refreshed, which re-reads the full history from the newest workbook.
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 Turning Seriously Delinquent, Ages 18–29 (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, data workbook (Page 26, Transition into Serious Delinquency (90+) for Auto Loans by Age, column "18-29"), built on the New York Fed Consumer Credit Panel / Equifax. Used under the New York Fed's terms (business use with attribution). Source: New York Fed Consumer Credit Panel/Equifax. Refreshed, which re-reads the full history from the newest workbook.
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.
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.