{
  "meta": {
    "slug": "the-spread",
    "name": "States with Credit Card Delinquency Above 10%",
    "branded_name": "The Spread",
    "description": null,
    "source": "New York Fed Consumer Credit Panel / Equifax",
    "source_credit": null,
    "source_url": "https://www.newyorkfed.org/microeconomics/databank.html",
    "frequency": "annual",
    "units": "count",
    "fred_series_id": null,
    "fred_edge_series_id": null,
    "bls_series_id": null,
    "series_id": null,
    "measurement_basis": null,
    "door": 6,
    "trend": "rising",
    "trend_suppressed": null,
    "series_breaks": [],
    "direction": "higher_is_worse",
    "last_updated": "2026-03-01T23:25:04Z",
    "stale": false,
    "stale_reason": null,
    "data_status": "current",
    "page_url": "https://americandefault.org/indicators/the-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": 36,
    "date": "2025-12-31"
  },
  "last_verified": null,
  "data": [
    {
      "date": "2003-12-31",
      "value": 9
    },
    {
      "date": "2004-12-31",
      "value": 9
    },
    {
      "date": "2005-12-31",
      "value": 7
    },
    {
      "date": "2006-12-31",
      "value": 17
    },
    {
      "date": "2007-12-31",
      "value": 12
    },
    {
      "date": "2008-12-31",
      "value": 13
    },
    {
      "date": "2009-12-31",
      "value": 39
    },
    {
      "date": "2010-12-31",
      "value": 42
    },
    {
      "date": "2011-12-31",
      "value": 21
    },
    {
      "date": "2012-12-31",
      "value": 13
    },
    {
      "date": "2013-12-31",
      "value": 9
    },
    {
      "date": "2014-12-31",
      "value": 3
    },
    {
      "date": "2015-12-31",
      "value": 3
    },
    {
      "date": "2016-12-31",
      "value": 1
    },
    {
      "date": "2017-12-31",
      "value": 1
    },
    {
      "date": "2018-12-31",
      "value": 1
    },
    {
      "date": "2019-12-31",
      "value": 3
    },
    {
      "date": "2020-12-31",
      "value": 8
    },
    {
      "date": "2021-12-31",
      "value": 3
    },
    {
      "date": "2022-12-31",
      "value": 1
    },
    {
      "date": "2023-12-31",
      "value": 13
    },
    {
      "date": "2024-12-31",
      "value": 29
    },
    {
      "date": "2025-12-31",
      "value": 36
    }
  ]
}