Household Affordability Tracker

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Alabama Share of credit card debt balances 90 or more days late

12.22%

percent of balance 2025

Data from Federal Reserve Bank of New York, Consumer Credit Panel / Equifax

United States in 2025

12.36%

Change, 2024 to 2025

+1.02 percentage points

Changes over time

Share of credit card debt balances 90 or more days late in Alabama rose 9.11% from 2024

percent of balance · 2003 to 2025

Source: Federal Reserve Bank of New York, Consumer Credit Panel / Equifax American Default Research · americandefault.org/affordability/
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Share of credit card debt balances 90 or more days late by state

2025 · percent of balance

8.03%–9.75%9.78%–10.54%10.74%–11.59%11.65%–13.2%13.28%–16.28%

Share of credit card debt balances 90 or more days late · 2025

Source: Federal Reserve Bank of New York, Consumer Credit Panel / Equifax American Default Research · americandefault.org/affordability/
States, ranked, 2025
Place%
Nevada16.28
Florida14.94
Louisiana14.24
Texas14.19
Georgia13.91
Arkansas13.84
West Virginia13.72
Arizona13.67
Mississippi13.36
South Carolina13.36
Oklahoma13.28
California13.2
New York12.91
North Carolina12.5
Pennsylvania12.34
Alabama12.22
Delaware12.22
New Mexico11.9
Kentucky11.84
Indiana11.72
Maryland11.65
Illinois11.59
Tennessee11.59
New Jersey11.41
Rhode Island11.38
Missouri11.35
Michigan11.28
District of Columbia11.16
Ohio11.14
Colorado11.06
Kansas10.74
Wyoming10.54
Connecticut10.53
Massachusetts10.33
Iowa10.26
Hawaii10.17
Virginia9.85
New Hampshire9.84
Maine9.83
Alaska9.79
Montana9.78
Nebraska9.75
Idaho9.52
Oregon9.49
Utah9.45
Washington9.34
South Dakota9.14
North Dakota9.02
Vermont8.99
Minnesota8.55
Wisconsin8.03

Source: Federal Reserve Bank of New York, Consumer Credit Panel / Equifax

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Available history

Share of credit card debt balances 90 or more days late
Data periodAlabama (%)United States (%)
202512.2212.36
202411.211.24
20239.869.66
20228.177.53
20218.538.22
20209.149.24
20198.378.12
20187.737.58
20177.687.51
20167.167.23
20157.457.61
20147.697.35
20139.059.61
20129.5710.57
201110.2311.29
201011.9413.31
200911.6112.83
200810.139.84
200711.079.3
200611.889.58
200510.78.41
200411.099.02
200311.929.17

Source: Federal Reserve Bank of New York, Consumer Credit Panel / EquifaxDownload data (CSV)

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Sources and method

Federal Reserve Bank of New York, Consumer Credit Panel / Equifax supplies the figures shown.

The selected source’s unit, population and data period determine what the figure describes. The measures are not added into a total household budget.

About these figures

Survey respondents, aggregate income and utility disconnection events have different denominators. These measures are not added together.

Place comparisons use the same data period. An older common period is named beside the comparison. A missing or withheld value is never changed to zero.

The CSV includes the original source notes, annotations and estimate margins where supplied. Original source data remain subject to their publishers’ terms.

We write with AI tools. Every figure comes from the data and sources named on this page, and automated checks compare it with them before it's published.