The ADI Backtest After the Family Rebuild

The retired backtest article used the old z-score engine. This replacement points the same historical question at the family-v1 method.

The old backtest page read the retired ADI file directly. That was useful during the measurement rebuild, but it no longer describes the public index. This replacement keeps the backtest question and routes readers to the family method.

The family-v1 ADI averages five equal-weighted domains. Each input is ranked against its own quarterly history, and each domain is the mean of the inputs present for that quarter. The published composite is a mean of input percentiles, and quarter-rank context comes from the separate rank-in-history field.

The ADI reference page publishes the maintained national reading with its required band gloss. This snapshot does not embed that changing value.

For the full historical series, use /api/adi.json. For the methodology contract, use ADI methodology and the machine-readable methodology emitted by the family engine.

Refresh Trace

2026-06-12
ADI 44.6 2025-Q4 · Band 3 of 5 - On average, its inputs sit higher than in 45% of their own quarterly histories since 2005
Tracked Rank 7 / 7 refresh history
Refresh Delta -19.95 2026-06-12
Co-moving indicator Source Period Delta
CFPB Consumer Complaint Volume Consumer Financial Protection Bureau 2026-05 +33131
Continued Unemployment Claims (SA) DOL via FRED 2026-05-30 +18000
Total Consumer Credit Outstanding Federal Reserve via FRED 2026-04 +12549.92
Total Revolving Credit Outstanding Federal Reserve via FRED 2026-04 +11700.88
Initial Unemployment Claims (SA) DOL via FRED 2026-06-06 +4000
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Ross Kilburn
Written by

Ross Kilburn, Founder

Founder · American Default Research · Seattle, Washington

Two decades working directly with financially distressed American households — from property preservation in 2003, to negotiating over 1,000 short sales during the Great Recession, to foreclosure defense marketing today. Author, The Ark Law Group Complete Guide to Short Sales (Auroch Press, 2013). Founded American Default Research in 2026.

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