{
  "meta": {
    "slug": "large-vs-small-bank-credit-card-delinquency-spread",
    "name": "Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest",
    "branded_name": null,
    "description": null,
    "source": "Computed (Board of Governors of the Federal Reserve System data retrieved via FRED: DRCCLOBS - DRCCLT100S)",
    "source_credit": null,
    "source_url": "https://fred.stlouisfed.org/series/DRCCLOBS",
    "frequency": "quarterly",
    "units": "percentage_points",
    "fred_series_id": null,
    "fred_edge_series_id": null,
    "bls_series_id": null,
    "series_id": null,
    "measurement_basis": "Seasonally adjusted, end-of-quarter delinquency rate on credit card loans at commercial banks outside the 100 largest by assets minus the corresponding rate at banks ranked 1st through 100th, in percentage points. Both rates are taken from the same Federal Reserve Board release, the same realtime vintage, before one is subtracted from the other.",
    "door": 1,
    "trend": "stable",
    "trend_suppressed": null,
    "series_breaks": [
      {
        "date": "2010-01-01",
        "reason": "From the first quarter of 2010, credit card rates cover loans that banks had securitized and previously kept off their balance sheets. Accounting standards FAS 166 and 167 required banks to bring those loans back on, and the Board states the change is reflected in the 2010-Q1 Call Reports; one large credit card bank made the move in the fourth quarter of 2009. The Board's H.8 notes put the credit card and other revolving loans consolidated by domestically chartered commercial banks at about $335 billion as of March 31, 2010. Rates from 2010 on are measured over a different pool of loans than earlier readings.",
        "source_url": "https://www.federalreserve.gov/Pubs/Bulletin/2010/articles/profit/default.htm"
      }
    ],
    "direction": "bidirectional",
    "last_updated": "2026-09-07T21:17:13Z",
    "stale": false,
    "stale_reason": null,
    "data_status": "current",
    "page_url": "https://americandefault.org/indicators/large-vs-small-bank-credit-card-delinquency-spread/",
    "attribution": "American Default (americandefault.org) — Our analysis is free to use with attribution to American Default Research. Source data stays under each publisher's terms; cite the source named here."
  },
  "current": {
    "value": 3.75,
    "date": "2026-04-01"
  },
  "last_verified": null,
  "data": [
    {
      "date": "1991-01-01",
      "value": -1.15
    },
    {
      "date": "1991-04-01",
      "value": -1.2
    },
    {
      "date": "1991-07-01",
      "value": -1.11
    },
    {
      "date": "1991-10-01",
      "value": -1.21
    },
    {
      "date": "1992-01-01",
      "value": -1.74
    },
    {
      "date": "1992-04-01",
      "value": -2.24
    },
    {
      "date": "1992-07-01",
      "value": -2.06
    },
    {
      "date": "1992-10-01",
      "value": -1.69
    },
    {
      "date": "1993-01-01",
      "value": -1.72
    },
    {
      "date": "1993-04-01",
      "value": -1.52
    },
    {
      "date": "1993-07-01",
      "value": -1.26
    },
    {
      "date": "1993-10-01",
      "value": -1.1
    },
    {
      "date": "1994-01-01",
      "value": -0.75
    },
    {
      "date": "1994-04-01",
      "value": -0.23
    },
    {
      "date": "1994-07-01",
      "value": -0.25
    },
    {
      "date": "1994-10-01",
      "value": -0.26
    },
    {
      "date": "1995-01-01",
      "value": -0.08
    },
    {
      "date": "1995-04-01",
      "value": -0.17
    },
    {
      "date": "1995-07-01",
      "value": -0.36
    },
    {
      "date": "1995-10-01",
      "value": -0.08
    },
    {
      "date": "1996-01-01",
      "value": -0.02
    },
    {
      "date": "1996-04-01",
      "value": 0.03
    },
    {
      "date": "1996-07-01",
      "value": 0.62
    },
    {
      "date": "1996-10-01",
      "value": 0.69
    },
    {
      "date": "1997-01-01",
      "value": 0.67
    },
    {
      "date": "1997-04-01",
      "value": 0.73
    },
    {
      "date": "1997-07-01",
      "value": 0.76
    },
    {
      "date": "1997-10-01",
      "value": 0.29
    },
    {
      "date": "1998-01-01",
      "value": 0.52
    },
    {
      "date": "1998-04-01",
      "value": 0.48
    },
    {
      "date": "1998-07-01",
      "value": 0.32
    },
    {
      "date": "1998-10-01",
      "value": 0.48
    },
    {
      "date": "1999-01-01",
      "value": 0.07
    },
    {
      "date": "1999-04-01",
      "value": 0.44
    },
    {
      "date": "1999-07-01",
      "value": 0.31
    },
    {
      "date": "1999-10-01",
      "value": 0.45
    },
    {
      "date": "2000-01-01",
      "value": 0.35
    },
    {
      "date": "2000-04-01",
      "value": 0.16
    },
    {
      "date": "2000-07-01",
      "value": 0.21
    },
    {
      "date": "2000-10-01",
      "value": 0.55
    },
    {
      "date": "2001-01-01",
      "value": 0.83
    },
    {
      "date": "2001-04-01",
      "value": 1.2
    },
    {
      "date": "2001-07-01",
      "value": 1.23
    },
    {
      "date": "2001-10-01",
      "value": 0.99
    },
    {
      "date": "2002-01-01",
      "value": 0.88
    },
    {
      "date": "2002-04-01",
      "value": 0.85
    },
    {
      "date": "2002-07-01",
      "value": 1.5
    },
    {
      "date": "2002-10-01",
      "value": 1.28
    },
    {
      "date": "2003-01-01",
      "value": 1.98
    },
    {
      "date": "2003-04-01",
      "value": 1.78
    },
    {
      "date": "2003-07-01",
      "value": 1.47
    },
    {
      "date": "2003-10-01",
      "value": 2.12
    },
    {
      "date": "2004-01-01",
      "value": 1.15
    },
    {
      "date": "2004-04-01",
      "value": 1.96
    },
    {
      "date": "2004-07-01",
      "value": 1.66
    },
    {
      "date": "2004-10-01",
      "value": 1.59
    },
    {
      "date": "2005-01-01",
      "value": 0.76
    },
    {
      "date": "2005-04-01",
      "value": 0.49
    },
    {
      "date": "2005-07-01",
      "value": 0.37
    },
    {
      "date": "2005-10-01",
      "value": -0.63
    },
    {
      "date": "2006-01-01",
      "value": -0.76
    },
    {
      "date": "2006-04-01",
      "value": -1.07
    },
    {
      "date": "2006-07-01",
      "value": -1
    },
    {
      "date": "2006-10-01",
      "value": -0.64
    },
    {
      "date": "2007-01-01",
      "value": -0.45
    },
    {
      "date": "2007-04-01",
      "value": -0.42
    },
    {
      "date": "2007-07-01",
      "value": -0.26
    },
    {
      "date": "2007-10-01",
      "value": -0.14
    },
    {
      "date": "2008-01-01",
      "value": 0.37
    },
    {
      "date": "2008-04-01",
      "value": 0.17
    },
    {
      "date": "2008-07-01",
      "value": 0.14
    },
    {
      "date": "2008-10-01",
      "value": -0.02
    },
    {
      "date": "2009-01-01",
      "value": -1.98
    },
    {
      "date": "2009-04-01",
      "value": -2.27
    },
    {
      "date": "2009-07-01",
      "value": -2.52
    },
    {
      "date": "2009-10-01",
      "value": -1.3
    },
    {
      "date": "2010-01-01",
      "value": -0.62
    },
    {
      "date": "2010-04-01",
      "value": -0.02
    },
    {
      "date": "2010-07-01",
      "value": 0.16
    },
    {
      "date": "2010-10-01",
      "value": 0.01
    },
    {
      "date": "2011-01-01",
      "value": 0.16
    },
    {
      "date": "2011-04-01",
      "value": 0.06
    },
    {
      "date": "2011-07-01",
      "value": 0.14
    },
    {
      "date": "2011-10-01",
      "value": 0.15
    },
    {
      "date": "2012-01-01",
      "value": 0.26
    },
    {
      "date": "2012-04-01",
      "value": 0.38
    },
    {
      "date": "2012-07-01",
      "value": 0.44
    },
    {
      "date": "2012-10-01",
      "value": 0.6
    },
    {
      "date": "2013-01-01",
      "value": 0.65
    },
    {
      "date": "2013-04-01",
      "value": 0.73
    },
    {
      "date": "2013-07-01",
      "value": 0.91
    },
    {
      "date": "2013-10-01",
      "value": 0.98
    },
    {
      "date": "2014-01-01",
      "value": 0.98
    },
    {
      "date": "2014-04-01",
      "value": 1.08
    },
    {
      "date": "2014-07-01",
      "value": 1.17
    },
    {
      "date": "2014-10-01",
      "value": 1.22
    },
    {
      "date": "2015-01-01",
      "value": 1.34
    },
    {
      "date": "2015-04-01",
      "value": 1.45
    },
    {
      "date": "2015-07-01",
      "value": 1.46
    },
    {
      "date": "2015-10-01",
      "value": 0.66
    },
    {
      "date": "2016-01-01",
      "value": 0.92
    },
    {
      "date": "2016-04-01",
      "value": 0.9
    },
    {
      "date": "2016-07-01",
      "value": 0.79
    },
    {
      "date": "2016-10-01",
      "value": 0.95
    },
    {
      "date": "2017-01-01",
      "value": 1.17
    },
    {
      "date": "2017-04-01",
      "value": 1.57
    },
    {
      "date": "2017-07-01",
      "value": 2.94
    },
    {
      "date": "2017-10-01",
      "value": 3.14
    },
    {
      "date": "2018-01-01",
      "value": 3.63
    },
    {
      "date": "2018-04-01",
      "value": 3.73
    },
    {
      "date": "2018-07-01",
      "value": 3.47
    },
    {
      "date": "2018-10-01",
      "value": 3.11
    },
    {
      "date": "2019-01-01",
      "value": 3.06
    },
    {
      "date": "2019-04-01",
      "value": 4.09
    },
    {
      "date": "2019-07-01",
      "value": 3.47
    },
    {
      "date": "2019-10-01",
      "value": 4.2
    },
    {
      "date": "2020-01-01",
      "value": 4.61
    },
    {
      "date": "2020-04-01",
      "value": 3.26
    },
    {
      "date": "2020-07-01",
      "value": 3.23
    },
    {
      "date": "2020-10-01",
      "value": 3.02
    },
    {
      "date": "2021-01-01",
      "value": 2.82
    },
    {
      "date": "2021-04-01",
      "value": 2.68
    },
    {
      "date": "2021-07-01",
      "value": 2.88
    },
    {
      "date": "2021-10-01",
      "value": 3.14
    },
    {
      "date": "2022-01-01",
      "value": 3.59
    },
    {
      "date": "2022-04-01",
      "value": 4.29
    },
    {
      "date": "2022-07-01",
      "value": 4.98
    },
    {
      "date": "2022-10-01",
      "value": 4.77
    },
    {
      "date": "2023-01-01",
      "value": 4.92
    },
    {
      "date": "2023-04-01",
      "value": 4.82
    },
    {
      "date": "2023-07-01",
      "value": 4.74
    },
    {
      "date": "2023-10-01",
      "value": 4.9
    },
    {
      "date": "2024-01-01",
      "value": 4.76
    },
    {
      "date": "2024-04-01",
      "value": 4.66
    },
    {
      "date": "2024-07-01",
      "value": 4.38
    },
    {
      "date": "2024-10-01",
      "value": 4.17
    },
    {
      "date": "2025-01-01",
      "value": 4.25
    },
    {
      "date": "2025-04-01",
      "value": 4.12
    },
    {
      "date": "2025-07-01",
      "value": 3.88
    },
    {
      "date": "2025-10-01",
      "value": 3.78
    },
    {
      "date": "2026-01-01",
      "value": 3.64
    },
    {
      "date": "2026-04-01",
      "value": 3.75
    }
  ]
}