| Personal Saving Rate The Buffer ADI | | 2.7% | -1.90 pp | Jun 2026 | ↓ worsening | Savings |
| Bankrate Emergency Savings Survey The Safety Net | | 41% | -3.00 pp | 2025 | ↓ worsening | Savings |
| SHED Emergency Savings Survey The $400 Test | | 37% | 0.00 pp | 2025 | stable | Savings |
| Vanguard Hardship Withdrawal Rate The Cannibalization Rate | | 6% | +1.20 pp | 2025 | ↓ worsening | Savings |
| Share of Americans Living Paycheck to Paycheck The Squeeze | | 24% | +0.30 pp | 2025 | ↓ worsening | Savings |
| Buy Now Pay Later Lending Volume Phantom Debt | | $65.3B | +19.6% | 2025 | no direction | Savings |
| Household Debt Service Ratio Debt Service ADI | | 11.16% | +0.06 pp | Q1 2026 | stable | Savings |
| Mortgage Debt Service Ratio Mortgage Debt Service Ratio | | 5.88% | +0.11 pp | Q1 2026 | stable | Savings |
| Total Consumer Credit Outstanding Total Consumer Credit Outstanding | | $5.2T | +2.1% | May 2026 | no direction | Savings |
| Total Revolving Credit Outstanding Total Revolving Credit Outstanding | | $1.3T | +3.4% | May 2026 | no direction | Savings |
| HELOC Balance Growth HELOC Balance Growth | | $446B | +10.9% | Q1 2026 | no direction | Savings |
| 401(k) Loan Outstanding Rate 401(k) Loan Outstanding Rate | | 13% | 0.00 pp | 2024 | ↓ worsening | Savings |
| Revolving Credit Utilization (75th Percentile) Revolving Credit Utilization (75th Percentile) | | 50.47% | -1.20 pp | Q1 2026 | ↑ improving | Savings |
| Delinquency Rate on Credit Card Loans The Late Fee ADI | | 2.92% | -0.14 pp | Q1 2026 | ↑ improving | Debt |
| Charge-Off Rate on Credit Card Loans Charge-Off Rate on Credit Card Loans ADI | | 3.84% | -0.62 pp | Q1 2026 | ↑ improving | Debt |
| Total Credit Card Debt Outstanding Plastic Ceiling | | $1.25T | +5.9% | Q1 2026 | no direction | Debt |
| Commercial Bank Interest Rate on Credit Card Plans The Card Tax | | 20.94% | -0.22 pp | Q2 2026 | stable | Debt |
| Auto Loan Serious Delinquency Rate (90+ days) The Repo Line ADI | | 5.6% | +0.61 pp | Q1 2026 | ↓ worsening | Debt |
| Student Loan Delinquency Rate (90+ days) Student Loan Delinquency Rate (90+ days) | | 10.34% | +2.60 pp | Q1 2026 | ↓ worsening | Debt |
| Delinquency Rate on Consumer Loans (ex credit card) Delinquency Rate on Consumer Loans (ex credit card) ADI | | 2.28% | -0.10 pp | Q1 2026 | ↑ improving | Debt |
| Credit Card Delinquency Rate — Banks Outside Top 100 The Other Banks | | 6.43% | -0.75 pp | Q1 2026 | ↑ improving | Debt |
| Total Delinquency Rate (All Loan Types) Falling Behind | | 4.76% | +0.41 pp | Q1 2026 | ↓ worsening | Debt |
| Total Household Debt Total Household Debt | | $18.79T | +3.2% | Q1 2026 | no direction | Debt |
| Large vs Small Bank Credit Card Delinquency Spread Large vs Small Bank Credit Card Delinquency Spread | | 3.51 pts | -0.61 pp | Q1 2026 | no direction | Debt |
| TransUnion Subprime Auto/Card Originations The Risk Reset | | 2.58% | +0.02 pp | Q4 2025 | no direction | Debt |
| Equifax Monthly Credit Trends (Delinquency) The 60-Day Line | | 3.03% | -0.13 pp | Q4 2025 | falling | Debt |
| Student Loan Borrowers Behind on Payments or in Collections Student Loan Borrowers Behind on Payments or in Collections | | 20% | +4.00 pp | 2024 | ↓ worsening | Debt |
| FHA Mortgage Delinquency Rate The FHA Signal | | 11.88% | +1.26 pp | Q1 2026 | ↓ worsening | Housing |
| Delinquency Rate on Single-Family Residential Mortgages (90+ days) Delinquency Rate on Single-Family Residential Mortgages (90+ days) ADI | | 1.89% | +0.12 pp | Q1 2026 | ↓ worsening | Housing |
| Serious Delinquency Rate (90+ days, All Loan Types) Serious Delinquency Rate (90+ days, All Loan Types) | | 3.36% | +0.52 pp | Q1 2026 | ↓ worsening | Housing |
| Foreclosure Filings YoY Change Foreclosure Filings | | 32% | +34.00 pp | Q1 2026 | rising | Housing |
| Median Sales Price of Houses Sold (US) Median Sales Price of Houses Sold (US) | | $410,700 | -1.3% | Q2 2026 | no direction | Housing |
| Foreclosure Starts vs Completions Ratio The Pipeline | | 4.75 | -27.5% | Q4 2025 | no direction | Housing |
| CoreLogic Early-Stage Delinquency Transitions First Missed | | 0.6% | 0.00 pp | Q1 2026 | ↑ improving | Housing |
| Mortgage Origination Volume Mortgage Origination Volume | | $530B | +24.5% | Q1 2026 | no direction | Housing |
| Initial Unemployment Claims (SA) Initial Unemployment Claims (SA) ADI | | 197,000 | -10.0% | Jul 25, 2026 | ↑ improving | Jobs |
| Continued Unemployment Claims (SA) Continued Unemployment Claims (SA) | | 1,782,000 | -8.0% | Jul 18, 2026 | no direction | Jobs |
| Challenger Job Cut Announcements Pink Slips | | 46K | -4.6% | Jun 2026 | falling | Jobs |
| JOLTS Quits Rate JOLTS Quits Rate | | 2% | -0.10 pp | Jun 2026 | ↑ improving | Jobs |
| Unemployment Rate Unemployment Rate ADI | | 4.2% | +0.10 pp | Jun 2026 | ↑ improving | Jobs |
| U-6 Underemployment Rate U-6 Underemployment Rate | | 7.9% | +0.20 pp | Jun 2026 | ↑ improving | Jobs |
| Total Nonfarm Payrolls Total Nonfarm Payrolls | | 158,984 | +0.3% | Jun 2026 | no direction | Jobs |
| Part-Time for Economic Reasons Part-Time for Economic Reasons | | 4,681 | +4.7% | Jun 2026 | no direction | Jobs |
| Lower-Income Wage Growth vs. Inflation Gap The K-Shape | | 2.2 pts | -0.20 pp | 2024 | ↑ improving | Jobs |
| Atlanta Fed Wage Growth Tracker (1st Quartile) Atlanta Fed Wage Growth Tracker (1st Quartile) | | 3.6% | 0.00 pp | Jun 2026 | no direction | Jobs |
| Indeed Job Postings Index (US) Indeed Job Postings Index (US) | | 102.1 | -2.5% | Jul 31, 2026 | stable | Jobs |
| CPI Inflation Rate (All Items) CPI Inflation Rate (All Items) | | 3.46% | +0.78 pp | Jun 2026 | falling | Prices |
| Food CPI Food CPI | | 2.99% | -0.01 pp | Jun 2026 | falling | Prices |
| Motor Vehicle Insurance CPI Motor Vehicle Insurance CPI | | 7.03% | +1.88 pp | Jun 2026 | rising | Prices |
| Medical Care CPI Medical Care CPI | | 2.03% | -0.72 pp | Jun 2026 | falling | Prices |
| Energy CPI (All Items) Energy CPI (All Items) | | 15.45% | +16.07 pp | Jun 2026 | falling | Prices |
| Grocery Prices Cumulative Change Since Jan 2020 Grocery Prices Cumulative Change Since Jan 2020 | | 32% | +3.47 pp | Jun 2026 | ↓ worsening | Prices |
| Shelter CPI Shelter CPI | | 3.26% | -0.57 pp | Jun 2026 | falling | Prices |
| Prescription Drug CPI Prescription Drug CPI | | -2.5% | -3.70 pp | Jun 2026 | falling | Prices |
| Healthcare Inflation Premium (Medical CPI minus Overall CPI) Healthcare Inflation Premium (Medical CPI minus Overall CPI) | | -1.44 pts | -1.51 pp | Jun 2026 | ↑ improving | Prices |
| Gas Affordability Ratio The Pump Tax | | 1.11% | +0.27 pp | Q2 2026 | ↓ worsening | Prices |
| Auto Insurance Inflation Premium (Auto CPI minus Overall CPI) The Coverage Tax | | 3.57 pts | +1.10 pp | Jun 2026 | ↓ worsening | Prices |
| Grocery Affordability Gap (AHE YoY minus Food CPI YoY) The Grocery Gap | | 0.53 pts | -0.33 pp | Jun 2026 | ↑ improving | Prices |
| Energy Cost Burden (Energy PCE as % of Disposable Income) The Energy Squeeze | | 3.75% | +0.43 pp | Q2 2026 | ↓ worsening | Prices |
| Federal Customs Duties as % of Disposable Personal Income The Import Tax | | 1.16% | +0.78 pp | 2025 | no direction | Prices |
| Bankruptcy Filings YoY Change Bankruptcy Filings | | 12.2% | +0.70 pp | Q2 2026 | rising | Courts |
| Bankruptcy Chapter 7 to Chapter 13 Filing Ratio The Wipeout Ratio | | 1.77 | +6.6% | Q2 2026 | no direction | Courts |
| Charge-Off Rate on All Loans Charge-Off Rate on All Loans | | 0.57% | -0.07 pp | Q1 2026 | ↑ improving | Courts |
| Charge-Off Rate on Single-Family Residential Mortgages Charge-Off Rate on Single-Family Residential Mortgages ADI | | 0% | 0.00 pp | Q1 2026 | pending | Courts |
| Chapter 7 Bankruptcy Filings (YoY % Change) Chapter 7 Bankruptcy Filings (YoY % Change) | | 14.7% | -2.30 pp | Q2 2026 | no verdict | Courts |
| Chapter 13 Bankruptcy Filings (YoY % Change) Chapter 13 Bankruptcy Filings (YoY % Change) | | 7.6% | +3.50 pp | Q2 2026 | rising | Courts |
| CFPB Consumer Complaint Volume CFPB Consumer Complaint Volume | | 687,622 | +39.8% | Jul 2026 | no direction | Courts |
| University of Michigan Consumer Sentiment Index The Mood Ring | | 49.5 | -18.5% | Jun 2026 | stable | Warning Signs |
| Conference Board Consumer Expectations Index The Warning Light | | 74.7 | +0.4% | Jul 2026 | stable | Warning Signs |
| NFCI Non-Financial Leverage Subindex The Tightening | | -0.37 | +37.4% | Jul 31, 2026 | no direction | Warning Signs |
| Senior Loan Officer Survey: Banks Tightening Standards Senior Loan Officer Survey: Banks Tightening Standards | | 6.7% | -3.70 pp | Q3 2026 | pending | Warning Signs |
| Wage Growth vs CPI Spread Wage Growth vs CPI Spread | | 0.84 pts | -0.38 pp | Jun 2026 | ↑ improving | Warning Signs |
| Google Search Interest: Financial Distress The Search Signal | | 64 | +52.4% | Feb 2026 | ↓ worsening | Warning Signs |
| SNAP (Food Stamp) Enrollment SNAP (Food Stamp) Enrollment | | 37,011,096 | -12.6% | Apr 2026 | no direction | Warning Signs |
| Top vs Bottom Income Quartile Spending Gap The Divergence | | -9.3 pts | +0.80 pp | May 2026 | no direction | Warning Signs |
| Difficulty Paying Usual Household Expenses The Pinch | | 22.8% | — | Mar 30, 2026 | not comparable | Who's Hurting |
| Financial Health Score (FHN FinHealth Survey) Financial Health Score (FHN FinHealth Survey) | | 30 | 0.0% | 2024 | ↓ worsening | Who's Hurting |
| States with Credit Card Delinquency Above 10% The Spread | | 36 | +24.1% | 2025 | ↓ worsening | Who's Hurting |
| Share of Adults Skipping Bill Payments The Skip Rate | | 17.4% | -0.90 pp | Q2 2026 | ↑ improving | Who's Hurting |
| Medicaid / CHIP Enrollment Medicaid / CHIP Enrollment | | 76,800,000 | — | 2025 | no direction | Who's Hurting |
| Business AI Adoption Rate The Adoption Curve | | 10% | +3.40 pp | Q3 2025 | no direction | AI & Work |
| AI Autonomous Task Horizon (METR) The Horizon | | 1,044.8 | +772.8% | Apr 2026 | no direction | AI & Work |
| AI-Attributed Layoff Announcements The AI Cut | | 14K | +34.6% | Jun 2026 | falling | AI & Work |
| Information Sector Job Openings (NAICS 51) The Tech Drought | | 90K | -26.8% | Jun 2026 | ↑ improving | AI & Work |
| Youth Unemployment Rate (16-24) Youth Unemployment Rate (16-24) | | 9.2% | -0.80 pp | Jun 2026 | ↑ improving | AI & Work |
| AI Job Posting Share (% of Total) AI Job Posting Share (% of Total) | | 6.28% | +3.07 pp | Jul 2026 | no direction | AI & Work |
| Real Production & Nonsupervisory Wage Shop Floor Pay | | $10 | -0.6% | May 2026 | stable | The Deal |
| Real Median Weekly Earnings The Median Check | | $378 | +0.5% | Q2 2026 | stable | The Deal |
| Productivity-Pay Wedge The Wedge | | 108.48 | +2.2% | Q1 2026 | stable | The Deal |
| Long-Term Unemployed Share (27+ Weeks) The Long Haul | | 27.3% | +4.00 pp | Jun 2026 | no direction | The Deal |
| Involuntary Part-Time Share of Employment The Short Shift | | 2.88% | +0.15 pp | Jun 2026 | ↑ improving | The Deal |
| Union Membership Rate The Union Card | | 9.9% | -0.10 pp | 2024 | ↓ worsening | The Deal |
| Labor Share of Nonfarm Business Income The Split | | 94.99 | -2.9% | Q1 2026 | ↓ worsening | The Deal |
| Family Income Inequality (Gini) The Divide | | 0.46 | +0.9% | 2024 | stable | The Deal |
| Bottom 50% Share of Household Wealth The Bottom Half | | 2.5% | 0.00 pp | Q1 2026 | stable | The Deal |
| Prime-Age Employment Rate (25-54) The Prime Years | | 80.2% | -0.50 pp | Jun 2026 | stable | The Deal |
| Multiple Jobholders Share of Employment The Second Job | | 5.3% | -0.10 pp | Jun 2026 | no direction | The Deal |
| Real Federal Minimum Wage The Floor | | $2 | -4.0% | May 2026 | ↓ worsening | The Deal |