{ "composition_effective_at": "2026-09-29", "composition_fingerprint": "debt_burden:severe_renter_burden,default_legal:bankruptcy_per_100k,default_legal:collections_rate,delinquency:auto_dpd90,delinquency:card_dpd90,delinquency:mort_dpd90,labor:unemployment_3mo", "composition_version": 3, "index_name": "State Distress Index (SDI)", "last_updated": "2026-10-21", "methodology": { "approach": "Cross-sectional Hazen percentile ranks across the 51 jurisdictions, aggregated by equal registry-derived domain weights", "bands": { "direction": "published band ascends with distress; band_for_rank's 0-based index counts from the most distressed ranks, so published band = N_BANDS - band_idx", "edges": [ 10, 20, 31, 41 ], "edges_rule": "round(i * n / 5) for i in 1..4 (shared family rule)", "framing": "bands state position among jurisdictions at this vintage; a cross-sectional index cannot certify an absolute condition such as Healthy or Crisis", "labels": [ "Least distressed fifth", "Second-least distressed fifth", "Middle fifth", "Second-most distressed fifth", "Most distressed fifth" ], "labels_status": "locked by editorial decision 2026-06-09: quintile wording only for places (never severity adjectives); severity ascends with the band number - band 5 = most distressed fifth (family band-direction rule)" }, "caveats": [ "bankruptcy filing volume partly reflects state legal regimes (wage-garnishment states file at multiples of similar-distress states); documented, not adjusted", "severe renter cost burden covers renter households only (roughly a third of households, and a different population state to state); it measures the cost side of housing hardship, not eviction or homelessness, and a state can hold burden down through low rents or high renter incomes alike", "severe renter cost burden is annual (ACS 1-Year) and its estimate for a year publishes the following September, so it is the slowest-moving input in the index; the vintage table publishes the lag", "the Philly Fed CCE block sits on the vendor's latest published vintage and lags the labor input; the vintage table publishes the spread", "n=51 percentile ranks compress magnitude gaps between adjacent ranks; raw input values are published next to every score" ], "composite": "domain score = mean of member input percentiles; composite_mean = mean of domain scores, published at 6 decimals", "coverage_policy": { "input_gate": "an input enters a build only if >= 48 of 51 jurisdictions (ceil of 94%) carry a non-null value; below that the input is dropped for ALL states in the build and within-domain weights renormalize", "inputs_active": [ "card_dpd90", "auto_dpd90", "mort_dpd90", "collections_rate", "bankruptcy_per_100k", "severe_renter_burden", "unemployment_3mo" ], "inputs_dropped": [], "state_rules": "missing one input in a multi-input domain -> domain score from the remaining members; missing a full domain -> composite renormalized over remaining domains, flagged partial; missing 2+ domains -> insufficient_data, null rank; zero-fill is banned (None stays None)" }, "dc_note": "DC is a single urban jurisdiction ranked against whole states; its statistical peers are urban counties; expect it near the top of several inputs. Rank normalization bounds its influence (it can occupy at most the top slot per input). rank_among_states reports the same ranking with DC excluded.", "domains": { "debt_burden": { "display": "Debt Burden (housing basis)", "members": [ "severe_renter_burden" ] }, "default_legal": { "display": "Default & Legal", "members": [ "collections_rate", "bankruptcy_per_100k" ] }, "delinquency": { "display": "Delinquency", "members": [ "card_dpd90", "auto_dpd90", "mort_dpd90" ] }, "labor": { "display": "Labor", "members": [ "unemployment_3mo" ] } }, "family_notes": { "debt_burden": "Carried by severe renter cost burden (ACS 1-Year table B25070) since unit F2, 2026-07-23. The domain was previously absent: the only committed state-level burden series was per-capita debt balance, which scales with income and house prices (high-balance states are low-delinquency states) and fails the representative-orientation requirement. The ACS intake supplies the housing-cost-burden series that was missing, and puts SDI's debt_burden on the same construct as CDI's (renter cost burden on both sides).", "safety_net_buffer": "Absent at state level since unit F2, 2026-07-23 - a construct-forced divergence from the family taxonomy, not a data gap. The domain's only state-level member was SNAP enrollment, which measures program reach (how much help arrives) rather than household need, so scoring it as distress publishes a policy change as a change in household conditions. No committed state-level DIRECT-need safety-net series exists to replace it; CDI keeps the domain because its members there are direct-need measures (poverty, child poverty, uninsured, disability, median income). SDI therefore still runs 4 of the family's 5 domains, each weighted 1/n_active_domains, computed in code from the registry." }, "normalization": "percentile = (average_rank - 0.5) / n * 100; ranks ascend in the distress direction; ties get the average rank; one pass, one yardstick; no winsorization, no z-scores, no min-max, no affine rescaling", "ranking": "competition ranking on composite_mean, rank 1 = most distressed; jurisdictions share a rank only on equal composites (rank_tied); rank_among_states is the same ranking with DC excluded; the published band ascends with distress (band 5 = most distressed fifth - family band-direction rule)", "redundancy_check": { "max_pairwise_spearman": 0.9334, "pairs": [ { "a": "card_dpd90", "b": "auto_dpd90", "spearman": 0.9334 }, { "a": "card_dpd90", "b": "mort_dpd90", "spearman": 0.8935 }, { "a": "card_dpd90", "b": "collections_rate", "spearman": 0.8024 }, { "a": "card_dpd90", "b": "bankruptcy_per_100k", "spearman": 0.4945 }, { "a": "card_dpd90", "b": "severe_renter_burden", "spearman": 0.4373 }, { "a": "card_dpd90", "b": "unemployment_3mo", "spearman": 0.3131 }, { "a": "auto_dpd90", "b": "mort_dpd90", "spearman": 0.8241 }, { "a": "auto_dpd90", "b": "collections_rate", "spearman": 0.7683 }, { "a": "auto_dpd90", "b": "bankruptcy_per_100k", "spearman": 0.5267 }, { "a": "auto_dpd90", "b": "severe_renter_burden", "spearman": 0.4096 }, { "a": "auto_dpd90", "b": "unemployment_3mo", "spearman": 0.3246 }, { "a": "mort_dpd90", "b": "collections_rate", "spearman": 0.6606 }, { "a": "mort_dpd90", "b": "bankruptcy_per_100k", "spearman": 0.3697 }, { "a": "mort_dpd90", "b": "severe_renter_burden", "spearman": 0.528 }, { "a": "mort_dpd90", "b": "unemployment_3mo", "spearman": 0.344 }, { "a": "collections_rate", "b": "bankruptcy_per_100k", "spearman": 0.5083 }, { "a": "collections_rate", "b": "severe_renter_burden", "spearman": 0.0984 }, { "a": "collections_rate", "b": "unemployment_3mo", "spearman": 0.0828 }, { "a": "bankruptcy_per_100k", "b": "severe_renter_burden", "spearman": 0.1733 }, { "a": "bankruptcy_per_100k", "b": "unemployment_3mo", "spearman": 0.2089 }, { "a": "severe_renter_burden", "b": "unemployment_3mo", "spearman": 0.5241 } ], "policy": "pairwise Spearman among active inputs recomputed every build; warn-only - automatic input removal would change published ranks without review", "threshold": 0.95 }, "registry": [ { "as_of": "2025 Q1", "description": "Percent of borrowers with credit card debt who have a card account 90+ days past due (Philly Fed Consumer Credit Explorer / NY Fed CCP-Equifax)", "domain": "delinquency", "higher_is_worse": true, "input_id": "card_dpd90", "source_field": "states..card_dpd90", "source_file": "data/state_credit_explorer.json" }, { "as_of": "2025 Q1", "description": "Percent of borrowers with auto debt who have an auto account 90+ days past due (Philly Fed Consumer Credit Explorer / NY Fed CCP-Equifax)", "domain": "delinquency", "higher_is_worse": true, "input_id": "auto_dpd90", "source_field": "states..auto_dpd90", "source_file": "data/state_credit_explorer.json" }, { "as_of": "2025 Q1", "description": "Percent of borrowers with mortgage debt who have a mortgage account 90+ days past due (Philly Fed Consumer Credit Explorer / NY Fed CCP-Equifax)", "domain": "delinquency", "higher_is_worse": true, "input_id": "mort_dpd90", "source_field": "states..mort_dpd90", "source_file": "data/state_credit_explorer.json" }, { "as_of": "2025 Q1", "description": "Percent of individuals with any debt in collections - a post-default stock measure (Philly Fed Consumer Credit Explorer / NY Fed CCP-Equifax)", "domain": "default_legal", "higher_is_worse": true, "input_id": "collections_rate", "source_field": "states..collections_rate", "source_file": "data/state_credit_explorer.json" }, { "as_of": "CY2025", "description": "Total bankruptcy filings per 100,000 residents (US Courts Table F-2, calendar data year; population denominator from the published Census July 1, 2024 state/DC table, reconciled to its U.S. total; the same denominator vintage is used for bankruptcy, SNAP and CFPB state products)", "domain": "default_legal", "higher_is_worse": true, "input_id": "bankruptcy_per_100k", "source_field": "states..per_100k", "source_file": "data/state_bankruptcy_filings.json" }, { "as_of": "ACS 1-Year 2024", "description": "Severe renter cost burden: share of renter households paying 50%+ of household income on gross rent, among renter households for which the ratio is computed (U.S. Census Bureau, American Community Survey 1-Year Estimates, table B25070; the 'not computed' line is excluded from the denominator per the U.S. Department of Housing and Urban Development (HUD) / Harvard Joint Center for Housing Studies convention). Annual cadence. This is the state-level housing-cost-burden series the 2026-06-09 rebuild recorded as absent, and it replaced snap_rate in unit F2 (2026-07-23)", "domain": "debt_burden", "higher_is_worse": true, "input_id": "severe_renter_burden", "source_field": "states..severe_renter_burden", "source_file": "data/state_renter_burden.json" }, { "as_of": "latest 3 months through 2026-09", "description": "Unemployment rate, mean of the latest 3 monthly BLS LAUS values (damps single-month noise; window shared with the CDI rebuild)", "domain": "labor", "higher_is_worse": true, "input_id": "unemployment_3mo", "source_field": "states..monthly (mean of the latest 3 monthly values)", "source_file": "data/state_unemployment.json" } ], "registry_exclusions": { "criterion": "a committed panel metric joins the registry only if it measures a current household-distress event rate (not a construct of credit reliance, access, or score composition; not a derived rank or year-over-year change; not a product superset of an existing member); every scalar metric in the committed panel is a member or carries a written disposition, enforced by the fail-closed panel dispositions gate at build time", "gate": "see top-level validation.dispositions_gate", "non_panel_sources_reviewed": [ { "disposition": "cumulative complaint stock (data period 2012-2026); measures population, tenure, and complaint propensity, not current distress.", "source": "data/cfpb/state-complaint-density.json" }, { "disposition": "per-capita debt balance scales with income and house prices (high-balance states are low-delinquency states) and fails the representative-orientation requirement - the documented debt_burden divergence in family_notes; the file's three annual delinquency-rate fields (auto/cc/mortgage) are superseded by the quarterly CCE product-level rates that carry the delinquency domain.", "source": "data/state_consumer_debt.json" }, { "disposition": "the prior engine's inverted multi-program composite; not carried into the rebuild. Its constituent programs measure benefit reach, not household need, so it is excluded on construct - the same reason snap_rate left the registry in unit F2.", "source": "data/state_safety_net.json" }, { "disposition": "SNAP enrollment rate; the safety_net_buffer member until unit F2 (2026-07-23) removed it. Enrollment measures program reach - how much help arrives - not how much need exists, so a distress index that scores it publishes eligibility policy and take-up as household conditions (the 2021-2023 emergency-allotment wind-down is the worked case). The file is still committed and still powers the SNAP indicator surfaces; it is excluded from this composite on construct, and the exclusion is enforced by scripts/audit/distress_composite_membership_guard.py.", "source": "data/state_snap_enrollment.json" } ], "panel_excluded": [ { "metric": "card_dpd90_rank", "reason": "vendor-derived rank presentation of the member card_dpd90; a duplicate, not an independent measure." }, { "metric": "card_high_utilization_pct", "reason": "construct: measures revolving-credit reliance (share of cardholders at high utilization), a fragility construct rather than delinquency; Spearman vs included members 0.819-0.946 (max vs card_dpd90), below the 0.95 redundancy watch - the exclusion rests on construct." }, { "metric": "collections_rate_rank", "reason": "vendor-derived rank presentation of the member collections_rate; a duplicate, not an independent measure." }, { "metric": "collections_yoy_pct", "reason": "derived year-over-year change, not a level; the change class has no stable cross-sectional distress orientation." }, { "metric": "credit_constrained_pct", "reason": "construct: measures credit access (constrained borrowers), not a current-distress event rate; Spearman vs included members up to 0.963." }, { "metric": "credit_constrained_pct_rank", "reason": "vendor-derived rank presentation of the excluded credit_constrained_pct; a duplicate, not an independent measure." }, { "metric": "nearprime_pct", "reason": "composition: a credit-score distribution share, not a distress event rate; Spearman vs included members up to 0.947." }, { "metric": "subprime_pct", "reason": "composition: a credit-score distribution share, not a distress event rate; Spearman vs included members up to 0.974." }, { "metric": "subprime_pct_rank", "reason": "vendor-derived rank presentation of the excluded subprime_pct; a duplicate, not an independent measure." }, { "metric": "subprime_yoy_pct", "reason": "derived year-over-year change, not a level; the change class has no stable cross-sectional distress orientation." }, { "metric": "total_dpd90", "reason": "product superset: aggregates the three member product-level 90+ rates (Spearman 0.986 vs card_dpd90); admitting both double-counts delinquent accounts." } ], "panel_members": [ "card_dpd90", "auto_dpd90", "mort_dpd90", "collections_rate" ] }, "score": "share of the other scored jurisdictions whose composite_mean is lower: (n - rank) / (n - 1) * 100, tied jurisdictions sharing the lower count, rounded down to a whole number, so a score of X reads 'more distressed than X% of the 50 states and D.C.' literally. Composition version 3, effective 2026-09-29: before it, the published score was the composite itself.", "staleness_gates": { "gates": { "acs1_renter_months_past_year_end": 24, "bankruptcy_months_past_year_end": 24, "cce_quarters": 8, "laus_months": 6 }, "policy": "measured against each input's data period at refresh time; a stale input aborts the refresh before any output is written and the prior committed output stands" }, "weights": { "derivation": "domain weight = 1 / n_active_domains; within-domain weight = 1 / n_active_inputs_in_domain; computed from the input registry at build time - no hand-typed weight constants exist in the engine", "domain_weight_each": 0.25, "effective_input_weights": { "auto_dpd90": 0.083333, "bankruptcy_per_100k": 0.125, "card_dpd90": 0.083333, "collections_rate": 0.125, "mort_dpd90": 0.083333, "severe_renter_burden": 0.25, "unemployment_3mo": 0.25 }, "single_vendor_weight_share": { "share": 0.375, "vendor": "Philly Fed Consumer Credit Explorer (NY Fed CCP/Equifax)" }, "within_domain": { "debt_burden": 1.0, "default_legal": 0.5, "delinquency": 0.333333, "labor": 1.0 } } }, "rebuild_record": [ "drafts/index_rebuild_2026-06-09/sdi/METHOD.md", "docs/audit/cold_reviews/2026-06-09_index_rebuild_sdi.md" ], "series_id": "sdi", "sources": { "data/state_bankruptcy_filings.json": { "citation": "U.S. Courts, Table F-2: U.S. Bankruptcy Courts \u2014 Business and Nonbusiness Cases Commenced, by Chapter of the Bankruptcy Code", "data_period": "Jan 2025 \u2013 Dec 2025", "last_updated": "2026-10-21", "source": "Administrative Office of the U.S. Courts", "source_url": "https://www.uscourts.gov/data-table-numbers/f-2" }, "data/state_credit_explorer.json": { "citation": "Federal Reserve Bank of Philadelphia, Consumer Credit Explorer; data sourced from NY Fed Consumer Credit Panel / Equifax.", "data_period": "2025 Q1", "last_updated": "2026-10-21", "source": "Federal Reserve Bank of Philadelphia, Consumer Credit Explorer", "source_url": "https://www.philadelphiafed.org/surveys-and-data/community-development-data/consumer-credit-explorer", "underlying_data": "NY Fed Consumer Credit Panel / Equifax" }, "data/state_renter_burden.json": { "citation": "U.S. Census Bureau, American Community Survey 1-Year Estimates, Table B25070 (Gross Rent as a Percentage of Household Income)", "data_period": "ACS 1-Year 2024", "last_updated": "2026-09-25", "source": "U.S. Census Bureau, American Community Survey 1-Year Estimates", "source_url": "https://www.census.gov/programs-surveys/acs" }, "data/state_unemployment.json": { "citation": "Local Area Unemployment Statistics, U.S. Bureau of Labor Statistics, October 2026", "data_period": "2026-09", "last_updated": "2026-10-21", "source": "U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (LAUS)", "source_url": "https://www.bls.gov/lau/" } }, "states": { "AK": { "band": 2, "band_label": "Second-least distressed fifth", "composite_mean": 28.962418, "coverage": { "missing_domains": [], "missing_inputs": [], "status": "full" }, "domains": { "debt_burden": 4.9, "default_legal": 24.02, "delinquency": 22.22, "labor": 64.71 }, "inputs": { "auto_dpd90": { "as_of": "2025 Q1", "percentile": 15.69, "value": 5.1 }, "bankruptcy_per_100k": { "as_of": "CY2025", "percentile": 0.98, "value": 32.2 }, "card_dpd90": { "as_of": "2025 Q1", "percentile": 31.37, "value": 10.5 }, "collections_rate": { "as_of": "2025 Q1", "percentile": 47.06, "value": 11.2 }, "mort_dpd90": { "as_of": "2025 Q1", "percentile": 19.61, "value": 0.8 }, "severe_renter_burden": { "as_of": "2024", "percentile": 4.9, "value": 18.4361 }, "unemployment_3mo": { "as_of": "2026-07..2026-09", "percentile": 64.71, "value": 4.3 } }, "name": "Alaska", "rank": 41, "rank_among_states": 40, "rank_among_states_tied": false, "rank_tied": false, "score": 20 }, "AL": { "band": 4, "band_label": "Second-most distressed fifth", "composite_mean": 66.911765, "coverage": { "missing_domains": [], "missing_inputs": [], "status": "full" }, "domains": { "debt_burden": 50.0, "default_legal": 96.08, "delinquency": 90.2, "labor": 31.37 }, "inputs": { "auto_dpd90": { "as_of": "2025 Q1", "percentile": 95.1, "value": 12.5 }, "bankruptcy_per_100k": { "as_of": "CY2025", "percentile": 99.02, "value": 400.1 }, "card_dpd90": { "as_of": "2025 Q1", "percentile": 91.18, "value": 17.6 }, "collections_rate": { "as_of": "2025 Q1", "percentile": 93.14, "value": 18.7 }, "mort_dpd90": { "as_of": "2025 Q1", "percentile": 84.31, "value": 1.5 }, "severe_renter_burden": { "as_of": "2024", "percentile": 50.0, "value": 24.4433 }, "unemployment_3mo": { "as_of": "2026-07..2026-09", "percentile": 31.37, "value": 3.4333 } }, "name": "Alabama", "rank": 13, "rank_among_states": 13, "rank_among_states_tied": false, "rank_tied": false, "score": 76 }, "AR": { "band": 3, "band_label": "Middle fifth", "composite_mean": 56.821895, "coverage": { "missing_domains": [], "missing_inputs": [], "status": "full" }, "domains": { "debt_burden": 10.78, "default_legal": 85.78, "delinquency": 80.72, "labor": 50.0 }, "inputs": { "auto_dpd90": { "as_of": "2025 Q1", "percentile": 80.39, "value": 10.2 }, "bankruptcy_per_100k": { "as_of": "CY2025", "percentile": 85.29, "value": 226.6 }, "card_dpd90": { "as_of": "2025 Q1", "percentile": 93.14, "value": 18.0 }, "collections_rate": { "as_of": "2025 Q1", "percentile": 86.27, "value": 17.4 }, "mort_dpd90": { "as_of": "2025 Q1", "percentile": 68.63, "value": 1.3 }, "severe_renter_burden": { "as_of": "2024", "percentile": 10.78, "value": 20.3045 }, "unemployment_3mo": { "as_of": "2026-07..2026-09", "percentile": 50.0, "value": 3.9333 } }, "name": "Arkansas", "rank": 23, "rank_among_states": 22, "rank_among_states_tied": false, "rank_tied": false, "score": 56 }, "AZ": { "band": 5, "band_label": "Most distressed fifth", "composite_mean": 67.973856, "coverage": { "missing_domains": [], "missing_inputs": [], "status": "full" }, "domains": { "debt_burden": 61.76, "default_legal": 60.78, "delinquency": 61.11, "labor": 88.24 }, "inputs": { "auto_dpd90": { "as_of": "2025 Q1", "percentile": 63.73, "value": 9.2 }, "bankruptcy_per_100k": { "as_of": "CY2025", "percentile": 57.84, "value": 170.0 }, "card_dpd90": { "as_of": "2025 Q1", "percentile": 67.65, "value": 14.1 }, "collections_rate": { "as_of": "2025 Q1", "percentile": 63.73, "value": 14.3 }, "mort_dpd90": { "as_of": "2025 Q1", "percentile": 51.96, "value": 1.1 }, "severe_renter_burden": { "as_of": "2024", "percentile": 61.76, "value": 25.1423 }, "unemployment_3mo": { "as_of": "2026-07..2026-09", "percentile": 88.24, "value": 4.9 } }, "name": "Arizona", "rank": 9, "rank_among_states": 9, "rank_among_states_tied": false, "rank_tied": false, "score": 84 }, "CA": { "band": 4, "band_label": "Second-most distressed fifth", "composite_mean": 67.687908, "coverage": { "missing_domains": [], "missing_inputs": [], "status": "full" }, "domains": { "debt_burden": 95.1, "default_legal": 37.75, "delinquency": 43.79, "labor": 94.12 }, "inputs": { "auto_dpd90": { "as_of": "2025 Q1", "percentile": 49.02, "value": 7.3 }, "bankruptcy_per_100k": { "as_of": "CY2025", "percentile": 46.08, "value": 138.2 }, "card_dpd90": { "as_of": "2025 Q1", "percentile": 48.04, "value": 12.2 }, "collections_rate": { "as_of": "2025 Q1", "percentile": 29.41, "value": 9.7 }, "mort_dpd90": { "as_of": "2025 Q1", "percentile": 34.31, "value": 0.9 }, "severe_renter_burden": { "as_of": "2024", "percentile": 95.1, "value": 29.0031 }, "unemployment_3mo": { "as_of": "2026-07..2026-09", "percentile": 94.12, "value": 5.1 } }, "name": "California", "rank": 11, "rank_among_states": 11, "rank_among_states_tied": false, "rank_tied": false, "score": 80 }, "CO": { "band": 2, "band_label": "Second-least distressed fifth", "composite_mean": 44.362745, "coverage": { "missing_domains": [], "missing_inputs": [], "status": "full" }, "domains": { "debt_burden": 59.8, "default_legal": 34.31, "delinquency": 31.37, "labor": 51.96 }, "inputs": { "auto_dpd90": { 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"unemployment_3mo": { "as_of": "2026-07..2026-09", "percentile": 36.27, "value": 3.5333 } }, "name": "Utah", "rank": 42, "rank_among_states": 41, "rank_among_states_tied": false, "rank_tied": false, "score": 18 }, "VA": { "band": 3, "band_label": "Middle fifth", "composite_mean": 45.261438, "coverage": { "missing_domains": [], "missing_inputs": [], "status": "full" }, "domains": { "debt_burden": 42.16, "default_legal": 53.92, "delinquency": 42.81, "labor": 42.16 }, "inputs": { "auto_dpd90": { "as_of": "2025 Q1", "percentile": 51.96, "value": 7.8 }, "bankruptcy_per_100k": { "as_of": "CY2025", "percentile": 63.73, "value": 181.1 }, "card_dpd90": { "as_of": "2025 Q1", "percentile": 42.16, "value": 11.7 }, "collections_rate": { "as_of": "2025 Q1", "percentile": 44.12, "value": 10.9 }, "mort_dpd90": { "as_of": "2025 Q1", "percentile": 34.31, "value": 0.9 }, "severe_renter_burden": { "as_of": "2024", "percentile": 42.16, "value": 23.8667 }, "unemployment_3mo": { "as_of": "2026-07..2026-09", "percentile": 42.16, "value": 3.6333 } }, "name": "Virginia", "rank": 31, "rank_among_states": 30, "rank_among_states_tied": false, "rank_tied": false, "score": 40 }, "VT": { "band": 1, "band_label": "Least distressed fifth", "composite_mean": 16.952614, "coverage": { "missing_domains": [], "missing_inputs": [], "status": "full" }, "domains": { "debt_burden": 38.24, "default_legal": 8.33, "delinquency": 16.34, "labor": 4.9 }, "inputs": { "auto_dpd90": { "as_of": "2025 Q1", "percentile": 7.84, "value": 4.6 }, "bankruptcy_per_100k": { "as_of": "CY2025", "percentile": 4.9, "value": 43.6 }, "card_dpd90": { "as_of": "2025 Q1", "percentile": 6.86, "value": 8.8 }, "collections_rate": { "as_of": "2025 Q1", "percentile": 11.76, "value": 8.6 }, "mort_dpd90": { "as_of": "2025 Q1", "percentile": 34.31, "value": 0.9 }, "severe_renter_burden": { "as_of": "2024", "percentile": 38.24, "value": 23.5778 }, "unemployment_3mo": { "as_of": "2026-07..2026-09", "percentile": 4.9, "value": 2.6 } }, "name": "Vermont", "rank": 48, "rank_among_states": 47, "rank_among_states_tied": false, "rank_tied": false, "score": 6 }, "WA": { "band": 2, "band_label": "Second-least distressed fifth", "composite_mean": 43.504902, "coverage": { "missing_domains": [], "missing_inputs": [], "status": "full" }, "domains": { "debt_burden": 40.2, "default_legal": 29.9, "delinquency": 15.69, "labor": 88.24 }, "inputs": { "auto_dpd90": { "as_of": "2025 Q1", "percentile": 25.49, "value": 5.6 }, "bankruptcy_per_100k": { "as_of": "CY2025", "percentile": 40.2, "value": 117.4 }, "card_dpd90": { "as_of": "2025 Q1", "percentile": 13.73, "value": 9.3 }, "collections_rate": { "as_of": "2025 Q1", "percentile": 19.61, "value": 9.2 }, "mort_dpd90": { "as_of": "2025 Q1", "percentile": 7.84, "value": 0.7 }, "severe_renter_burden": { "as_of": "2024", "percentile": 40.2, "value": 23.8026 }, "unemployment_3mo": { "as_of": "2026-07..2026-09", "percentile": 88.24, "value": 4.9 } }, "name": "Washington", "rank": 34, "rank_among_states": 33, "rank_among_states_tied": false, "rank_tied": false, "score": 34 }, "WI": { "band": 1, "band_label": "Least distressed fifth", "composite_mean": 22.834967, "coverage": { "missing_domains": [], "missing_inputs": [], "status": "full" }, "domains": { "debt_burden": 18.63, "default_legal": 44.61, "delinquency": 7.52, "labor": 20.59 }, "inputs": { "auto_dpd90": { "as_of": "2025 Q1", "percentile": 19.61, "value": 5.3 }, "bankruptcy_per_100k": { "as_of": "CY2025", "percentile": 59.8, "value": 170.6 }, "card_dpd90": { "as_of": "2025 Q1", "percentile": 0.98, "value": 7.5 }, "collections_rate": { "as_of": "2025 Q1", "percentile": 29.41, "value": 9.7 }, "mort_dpd90": { "as_of": "2025 Q1", "percentile": 1.96, "value": 0.6 }, "severe_renter_burden": { "as_of": "2024", "percentile": 18.63, "value": 21.3338 }, "unemployment_3mo": { "as_of": "2026-07..2026-09", "percentile": 20.59, "value": 3.2333 } }, "name": "Wisconsin", "rank": 44, "rank_among_states": 43, "rank_among_states_tied": false, "rank_tied": false, "score": 14 }, "WV": { "band": 3, "band_label": "Middle fifth", "composite_mean": 60.130719, "coverage": { "missing_domains": [], "missing_inputs": [], "status": "full" }, "domains": { "debt_burden": 48.04, "default_legal": 54.9, "delinquency": 83.66, "labor": 53.92 }, "inputs": { "auto_dpd90": { "as_of": "2025 Q1", "percentile": 68.63, "value": 9.4 }, "bankruptcy_per_100k": { "as_of": "CY2025", "percentile": 32.35, "value": 100.8 }, "card_dpd90": { "as_of": "2025 Q1", "percentile": 89.22, "value": 17.3 }, "collections_rate": { "as_of": "2025 Q1", "percentile": 77.45, "value": 16.0 }, "mort_dpd90": { "as_of": "2025 Q1", "percentile": 93.14, "value": 1.6 }, "severe_renter_burden": { "as_of": "2024", "percentile": 48.04, "value": 24.3622 }, "unemployment_3mo": { "as_of": "2026-07..2026-09", "percentile": 53.92, "value": 4.0333 } }, "name": "West Virginia", "rank": 22, "rank_among_states": 21, "rank_among_states_tied": false, "rank_tied": false, "score": 58 }, "WY": { "band": 1, "band_label": "Least distressed fifth", "composite_mean": 22.222222, "coverage": { "missing_domains": [], "missing_inputs": [], "status": "full" }, "domains": { "debt_burden": 6.86, "default_legal": 43.14, "delinquency": 26.14, "labor": 12.75 }, "inputs": { "auto_dpd90": { "as_of": "2025 Q1", "percentile": 34.31, "value": 5.9 }, "bankruptcy_per_100k": { "as_of": "CY2025", "percentile": 28.43, "value": 97.3 }, "card_dpd90": { "as_of": "2025 Q1", "percentile": 36.27, "value": 10.8 }, "collections_rate": { "as_of": "2025 Q1", "percentile": 57.84, "value": 13.1 }, "mort_dpd90": { "as_of": "2025 Q1", "percentile": 7.84, "value": 0.7 }, "severe_renter_burden": { "as_of": "2024", "percentile": 6.86, "value": 18.8404 }, "unemployment_3mo": { "as_of": "2026-07..2026-09", "percentile": 12.75, "value": 3.0 } }, "name": "Wyoming", "rank": 45, "rank_among_states": 44, "rank_among_states_tied": false, "rank_tied": false, "score": 12 } }, "summary": { "coverage": { "full": 51, "insufficient_data": 0, "partial": 0 }, "least_distressed": [ { "abbr": "MT", "rank": 47, "rank_tied": false, "score": 8 }, { "abbr": "VT", "rank": 48, "rank_tied": false, "score": 6 }, { "abbr": "NH", "rank": 49, "rank_tied": false, "score": 4 }, { "abbr": "SD", "rank": 50, "rank_tied": false, "score": 2 }, { "abbr": "ND", "rank": 51, "rank_tied": false, "score": 0 } ], "most_distressed": [ { "abbr": "NV", "rank": 1, "rank_tied": false, "score": 100 }, { "abbr": "LA", "rank": 2, "rank_tied": false, "score": 98 }, { "abbr": "FL", "rank": 3, "rank_tied": false, "score": 96 }, { "abbr": "TX", "rank": 4, "rank_tied": false, "score": 94 }, { "abbr": "MI", "rank": 5, "rank_tied": false, "score": 92 } ], "n_jurisdictions": 51 }, "taxonomy_version": "family-v1", "validation": { "band_edges": [ 10, 20, 31, 41 ], "coverage": { "full": 51, "insufficient_data": 0, "partial": 0 }, "dispositions_gate": { "n_excluded": 11, "n_members": 4, "n_panel_metrics": 15, "pass": true }, "weights_sum_to_one": true }, "vintage_table": { "auto_dpd90": { "data_period": "2025 Q1", "last_updated": "2026-10-21", "source": "Federal Reserve Bank of Philadelphia, Consumer Credit Explorer", "source_file": "data/state_credit_explorer.json" }, "bankruptcy_per_100k": { "data_period": "CY2025", "last_updated": "2026-10-21", "source": "Administrative Office of the U.S. Courts", "source_file": "data/state_bankruptcy_filings.json" }, "card_dpd90": { "data_period": "2025 Q1", "last_updated": "2026-10-21", "source": "Federal Reserve Bank of Philadelphia, Consumer Credit Explorer", "source_file": "data/state_credit_explorer.json" }, "collections_rate": { "data_period": "2025 Q1", "last_updated": "2026-10-21", "source": "Federal Reserve Bank of Philadelphia, Consumer Credit Explorer", "source_file": "data/state_credit_explorer.json" }, "mort_dpd90": { "data_period": "2025 Q1", "last_updated": "2026-10-21", "source": "Federal Reserve Bank of Philadelphia, Consumer Credit Explorer", "source_file": "data/state_credit_explorer.json" }, "severe_renter_burden": { "data_period": "ACS 1-Year 2024", "last_updated": "2026-09-25", "source": "U.S. Census Bureau, American Community Survey 1-Year Estimates", "source_file": "data/state_renter_burden.json" }, "unemployment_3mo": { "data_period": "latest 3 months through 2026-09", "last_updated": "2026-10-21", "source": "U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (LAUS)", "source_file": "data/state_unemployment.json" } } }