{"asof": "2026-Q2", "released": "2026-08-11", "src": "https://www.newyorkfed.org/newsevents/news/research/2026/20260811", "note": "NY Fed Consumer Credit Panel/Equifax. balances in trillions [mortgage, heloc, auto, card, student, other, total]; d90 = percent of balance 90+ days delinquent [mortgage, heloc, auto, cc, student, other, all]; new30 = transition into 30+ day delinquency, annualized percent of balance, same order.", "balances": [["2015-Q3", [8.26, 0.492, 1.045, 0.714, 1.203, 0.351]], ["2015-Q4", [8.249, 0.487, 1.064, 0.733, 1.232, 0.351]], ["2016-Q1", [8.369, 0.485, 1.071, 0.712, 1.261, 0.354]], ["2016-Q2", [8.362, 0.478, 1.103, 0.729, 1.259, 0.356]], ["2016-Q3", [8.35, 0.472, 1.135, 0.747, 1.279, 0.367]], ["2016-Q4", [8.48, 0.473, 1.157, 0.779, 1.31, 0.377]], ["2017-Q1", [8.627, 0.456, 1.167, 0.764, 1.344, 0.367]], ["2017-Q2", [8.691, 0.452, 1.19, 0.784, 1.344, 0.378]], ["2017-Q3", [8.743, 0.448, 1.213, 0.808, 1.357, 0.386]], ["2017-Q4", [8.882, 0.444, 1.221, 0.834, 1.378, 0.389]], ["2018-Q1", [8.939, 0.436, 1.229, 0.815, 1.407, 0.385]], ["2018-Q2", [8.999, 0.432, 1.238, 0.829, 1.405, 0.39]], ["2018-Q3", [9.14, 0.422, 1.265, 0.844, 1.442, 0.399]], ["2018-Q4", [9.124, 0.412, 1.274, 0.87, 1.457, 0.407]], ["2019-Q1", [9.244, 0.406, 1.28, 0.848, 1.486, 0.404]], ["2019-Q2", [9.406, 0.399, 1.297, 0.868, 1.478, 0.412]], ["2019-Q3", [9.437, 0.396, 1.315, 0.881, 1.498, 0.425]], ["2019-Q4", [9.557, 0.39, 1.331, 0.927, 1.508, 0.432]], ["2020-Q1", [9.713, 0.386, 1.346, 0.893, 1.535, 0.427]], ["2020-Q2", [9.776, 0.375, 1.343, 0.817, 1.537, 0.418]], ["2020-Q3", [9.861, 0.362, 1.36, 0.807, 1.546, 0.417]], ["2020-Q4", [10.043, 0.349, 1.374, 0.819, 1.555, 0.419]], ["2021-Q1", [10.16, 0.335, 1.382, 0.77, 1.584, 0.413]], ["2021-Q2", [10.442, 0.322, 1.415, 0.787, 1.57, 0.421]], ["2021-Q3", [10.672, 0.317, 1.443, 0.804, 1.584, 0.423]], ["2021-Q4", [10.93, 0.318, 1.458, 0.856, 1.576, 0.438]], ["2022-Q1", [11.18, 0.317, 1.469, 0.841, 1.59, 0.445]], ["2022-Q2", [11.387, 0.319, 1.502, 0.887, 1.589, 0.47]], ["2022-Q3", [11.669, 0.322, 1.524, 0.925, 1.574, 0.491]], ["2022-Q4", [11.923, 0.336, 1.552, 0.986, 1.595, 0.507]], ["2023-Q1", [12.044, 0.339, 1.562, 0.986, 1.604, 0.512]], ["2023-Q2", [12.014, 0.34, 1.582, 1.031, 1.569, 0.527]], ["2023-Q3", [12.14, 0.349, 1.595, 1.079, 1.599, 0.529]], ["2023-Q4", [12.252, 0.36, 1.607, 1.129, 1.601, 0.554]], ["2024-Q1", [12.442, 0.376, 1.616, 1.115, 1.595, 0.543]], ["2024-Q2", [12.519, 0.38, 1.626, 1.142, 1.585, 0.544]], ["2024-Q3", [12.594, 0.387, 1.644, 1.166, 1.606, 0.546]], ["2024-Q4", [12.605, 0.396, 1.655, 1.211, 1.615, 0.554]], ["2025-Q1", [12.804, 0.402, 1.642, 1.182, 1.631, 0.542, 18.203]], ["2025-Q2", [12.935, 0.411, 1.655, 1.209, 1.638, 0.54, 18.387999999999998]], ["2025-Q3", [13.072, 0.422, 1.655, 1.233, 1.653, 0.55, 18.584999999999997]], ["2025-Q4", [13.17, 0.4336, 1.667, 1.277, 1.664, 0.5641, 18.7757]], ["2026-Q1", [13.191, 0.446, 1.685, 1.242, 1.658, 0.562, 18.784000000000002]], ["2026-Q2", [13.117, 0.4585, 1.713, 1.263, 1.651, 0.568, 18.770500000000006]]], "d90": [["2015-Q3", [2.32, 2.44, 3.36, 8.21, 11.56, 7.0, 3.79]], ["2015-Q4", [2.18, 2.24, 3.37, 7.65, 11.52, 7.02, 3.69]], ["2016-Q1", [2.08, 2.19, 3.52, 7.6, 11.04, 7.89, 3.6]], ["2016-Q2", [1.76, 1.96, 3.46, 7.17, 11.06, 7.22, 3.34]], ["2016-Q3", [1.63, 2.03, 3.58, 7.08, 10.94, 7.13, 3.28]], ["2016-Q4", [1.57, 2.13, 3.75, 7.14, 11.17, 7.0, 3.3]], ["2017-Q1", [1.67, 2.06, 3.82, 7.45, 10.98, 7.22, 3.37]], ["2017-Q2", [1.47, 1.88, 3.92, 7.38, 11.22, 6.91, 3.26]], ["2017-Q3", [1.38, 1.53, 3.97, 7.47, 11.17, 6.66, 3.19]], ["2017-Q4", [1.27, 1.67, 4.05, 7.55, 10.96, 6.78, 3.12]], ["2018-Q1", [1.22, 1.51, 4.26, 8.01, 10.66, 7.12, 3.11]], ["2018-Q2", [1.11, 1.56, 4.17, 7.88, 10.94, 7.05, 3.04]], ["2018-Q3", [1.06, 1.2, 4.27, 7.94, 11.53, 7.15, 3.09]], ["2018-Q4", [1.06, 1.16, 4.47, 7.77, 11.42, 6.96, 3.1]], ["2019-Q1", [1.0, 1.25, 4.69, 8.32, 10.85, 7.19, 3.06]], ["2019-Q2", [0.87, 1.1, 4.64, 8.32, 10.83, 7.16, 2.94]], ["2019-Q3", [0.97, 1.13, 4.71, 8.27, 10.9, 7.07, 3.04]], ["2019-Q4", [1.07, 0.84, 4.94, 8.36, 11.06, 6.98, 3.15]], ["2020-Q1", [1.06, 1.19, 5.05, 9.09, 10.75, 7.23, 3.17]], ["2020-Q2", [0.84, 1.25, 5.03, 9.75, 6.97, 7.66, 2.61]], ["2020-Q3", [0.7, 1.23, 4.82, 9.74, 6.5, 7.47, 2.43]], ["2020-Q4", [0.62, 1.12, 4.77, 9.36, 6.45, 7.46, 2.33]], ["2021-Q1", [0.59, 1.18, 4.79, 9.98, 6.16, 7.67, 2.29]], ["2021-Q2", [0.47, 1.05, 4.35, 9.28, 5.69, 7.72, 2.06]], ["2021-Q3", [0.46, 1.0, 4.05, 8.77, 5.33, 7.08, 1.94]], ["2021-Q4", [0.46, 0.82, 3.98, 8.32, 4.99, 7.02, 1.87]], ["2022-Q1", [0.47, 0.82, 4.0, 8.42, 4.7, 7.09, 1.83]], ["2022-Q2", [0.48, 0.91, 3.86, 7.98, 4.55, 7.01, 1.81]], ["2022-Q3", [0.37, 1.07, 3.89, 7.59, 3.92, 6.99, 1.64]], ["2022-Q4", [0.43, 0.87, 3.73, 7.67, 0.87, 7.18, 1.41]], ["2023-Q1", [0.44, 0.78, 3.89, 8.24, 0.67, 7.67, 1.46]], ["2023-Q2", [0.46, 0.64, 3.82, 8.0, 0.63, 7.56, 1.47]], ["2023-Q3", [0.5, 0.74, 3.91, 9.43, 0.67, 7.85, 1.62]], ["2023-Q4", [0.57, 0.62, 4.17, 9.74, 0.6, 7.85, 1.74]], ["2024-Q1", [0.6, 0.5, 4.41, 10.69, 0.62, 8.51, 1.83]], ["2024-Q2", [0.57, 0.36, 4.43, 10.93, 0.65, 8.45, 1.83]], ["2024-Q3", [0.7094519459888801, 0.43425471454404546, 4.586374695863747, 11.132075471698114, 0.48567870485678705, 8.956043956043956, 1.967216861492494]], ["2024-Q4", [0.7, 0.53, 4.83, 11.35, 0.53, 9.17, 2.04]], ["2025-Q1", [0.85546875, 0.8687546607009695, 4.986601705237515, 12.30964467005076, 7.743715511955855, 9.398301956441491, 2.8440692122137907]], ["2025-Q2", [0.8174787316318639, 0.8516536964980546, 4.990936555891238, 12.266335814722911, 10.158730158730158, 9.613249444855661, 3.0377727974934183]], ["2025-Q3", [0.83, 0.75, 5.02, 12.41, 9.36, 9.55, 2.98]], ["2025-Q4", [0.9157175398633257, 0.8219557195571955, 5.20755848830234, 12.70164447924824, 9.567307692307692, 9.523134196064527, 3.1215560538355427]], ["2026-Q1", [1.09, 0.95, 5.6, 13.12, 10.34, 9.76, 3.36]], ["2026-Q2", [0.99, 0.99, 5.49, 12.92, 10.6, 9.61, 3.31]]], "new30": [["2015-Q3", [7.05, 5.45, 3.94, 2.42, 10.47, 6.45, 4.88]], ["2015-Q4", [7.13, 5.27, 3.85, 2.58, 10.46, 6.46, 4.84]], ["2016-Q1", [7.27, 5.15, 3.7, 2.39, 10.16, 6.43, 4.71]], ["2016-Q2", [7.28, 5.07, 3.43, 3.17, 9.88, 6.4, 4.53]], ["2016-Q3", [7.35, 5.15, 3.43, 2.95, 9.88, 6.54, 4.55]], ["2016-Q4", [7.46, 5.52, 3.38, 2.73, 9.8, 6.71, 4.55]], ["2017-Q1", [7.35, 5.9, 3.51, 2.52, 10.0, 6.97, 4.68]], ["2017-Q2", [7.45, 6.19, 3.61, 1.75, 10.13, 7.08, 4.76]], ["2017-Q3", [7.39, 6.33, 3.46, 2.11, 10.02, 7.05, 4.67]], ["2017-Q4", [7.21, 6.33, 3.4, 2.05, 9.61, 6.92, 4.57]], ["2018-Q1", [7.28, 6.42, 3.38, 2.22, 9.18, 7.1, 4.54]], ["2018-Q2", [7.15, 6.4, 3.41, 2.26, 8.84, 7.16, 4.52]], ["2018-Q3", [7.05, 6.5, 3.56, 1.77, 9.21, 7.23, 4.64]], ["2018-Q4", [7.09, 6.65, 3.55, 1.75, 9.08, 7.35, 4.65]], ["2019-Q1", [7.07, 6.71, 3.5, 1.89, 9.54, 7.32, 4.67]], ["2019-Q2", [6.93, 6.86, 3.43, 1.9, 10.01, 7.25, 4.67]], ["2019-Q3", [6.96, 6.74, 3.42, 2.1, 9.44, 7.18, 4.6]], ["2019-Q4", [6.91, 6.95, 3.5, 2.11, 9.44, 7.28, 4.67]], ["2020-Q1", [6.89, 6.84, 3.48, 2.02, 9.05, 7.11, 4.61]], ["2020-Q2", [6.29, 6.2, 3.1, 2.03, 6.63, 6.44, 3.99]], ["2020-Q3", [5.79, 5.7, 2.54, 1.73, 4.54, 6.53, 3.31]], ["2020-Q4", [5.45, 5.12, 1.98, 1.61, 2.91, 5.86, 2.66]], ["2021-Q1", [5.16, 4.55, 1.59, 1.39, 1.18, 5.3, 2.13]], ["2021-Q2", [5.08, 4.36, 1.45, 1.14, 1.2, 5.14, 1.99]], ["2021-Q3", [5.0, 4.31, 1.39, 1.42, 1.25, 4.39, 1.93]], ["2021-Q4", [4.96, 4.1, 1.57, 1.57, 1.09, 4.33, 2.03]], ["2022-Q1", [5.1, 4.27, 1.66, 1.65, 1.05, 4.65, 2.12]], ["2022-Q2", [5.64, 4.76, 1.9, 2.31, 1.13, 5.2, 2.41]], ["2022-Q3", [6.21, 5.24, 2.1, 2.04, 1.17, 5.81, 2.65]], ["2022-Q4", [6.64, 5.87, 2.25, 1.95, 1.18, 6.33, 2.82]], ["2023-Q1", [6.88, 6.51, 2.43, 1.94, 1.06, 6.67, 3.0]], ["2023-Q2", [7.28, 7.2, 2.56, 1.48, 1.01, 7.1, 3.18]], ["2023-Q3", [7.39, 8.01, 2.8, 1.8, 0.92, 7.25, 3.41]], ["2023-Q4", [7.69, 8.52, 2.99, 2.01, 0.92, 7.5, 3.64]], ["2024-Q1", [7.94, 8.93, 3.24, 2.14, 0.98, 7.55, 3.88]], ["2024-Q2", [7.95, 9.05, 3.35, 2.13, 0.92, 7.48, 3.95]], ["2024-Q3", [8.12, 8.79, 3.6, 2.19, 0.92, 7.56, 4.13]], ["2024-Q4", [8.08, 8.96, 3.61, 2.15, 0.87, 7.58, 4.14]], ["2025-Q1", [7.99, 8.75, 3.71, 2.29, 8.19, 7.52, 4.87]], ["2025-Q2", [7.959217440803067, 8.581777418099817, 3.676077958274916, 2.3893120939809944, 13.033073094715292, 7.457713012147915, 5.2554575576501446]], ["2025-Q3", [7.79, 8.88, 3.62, 2.24, 14.41, 7.4, 5.33]], ["2025-Q4", [7.701319348144121, 8.685816356761405, 3.850893345341327, 2.237856757560507, 16.34649828303355, 7.27497023563253, 5.641541894965301]], ["2026-Q1", [7.72, 8.61, 3.76, 2.32, 11.03, 7.43, 5.08]], ["2026-Q2", [7.87, 8.69, 3.95, 2.22, 7.83, 7.46, 4.95]]], "q2": {"total": 18.771, "auto": 1.713, "auto_chg": 0.028, "card": 1.263, "card_chg": 0.021, "mortgage": 13.117, "student": 1.651, "auto_orig": 211, "agg_delinq": 4.7, "auto_90_flow": 3.0, "auto_90_flow_prev": 2.93, "card_90_flow": 6.97, "card_90_flow_prev": 6.93, "quote": "new delinquencies for auto loans and credit cards remain at elevated levels, a trend we'll continue to monitor", "who": "Joelle Scally, New York Fed"}, "next": {"quarter": "2026-Q3", "date": "2026-11-10", "note": "Q3 report expected in early-to-mid November (Q3 2025 came Nov 5)."}}