---
title: "New Serious Delinquency Rate, Borrowers Age 50 to 59"
slug: new-serious-delinquency-rate-borrowers-age-50-to-59
summary: "Among borrowers age 50 to 59, 2.6% of debt went 90 or more days late in the year to Q2 2026, down from 2.9% a year earlier"
category: "Debt"
unit: percent
frequency: quarterly
direction: higher_is_worse
latest_value: 2.6042404612688377
latest_period: "2026-Q2"
trend: falling
last_updated: "2026-10-29T17:24:17Z"
source: "New York Fed Consumer Credit Panel / Equifax"
measurement_basis: "For borrowers age 50 to 59, the proportion of outstanding debt that reached 90 or more days past due in the past year (four quarters), all loan types combined, from the Federal Reserve Bank of New York's Quarterly Report on Household Debt and Credit (Page 24 Data, 'Transition into Serious Delinquency (90+) by Age'). The New York Fed reports it as a four-quarter moving sum of quarterly transition rates. It is based on the Consumer Credit Panel, a 5 percent sample of Equifax credit records; records with no birth year are dropped. Each figure carries its quarter's end date, and the New York Fed restates earlier quarters at each release."
source_url: https://www.newyorkfed.org/microeconomics/hhdc
canonical_html: https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-50-to-59/
citation_apa: "Kilburn, R. (2026). New Serious Delinquency Rate, Borrowers Age 50 to 59 [Data set]. American Default Research. https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-50-to-59/"
citation_chicago: "Kilburn, Ross. 2026. \"New Serious Delinquency Rate, Borrowers Age 50 to 59.\" American Default Research. https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-50-to-59/."
citation_mla: "Kilburn, Ross. \"New Serious Delinquency Rate, Borrowers Age 50 to 59.\" American Default Research, 2026, americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-50-to-59/."
---

# New Serious Delinquency Rate, Borrowers Age 50 to 59

> Among borrowers age 50 to 59, 2.6% of debt went 90 or more days late in the year to Q2 2026, down from 2.9% a year earlier

## Current Reading

As of 2026-Q2, New Serious Delinquency Rate, Borrowers Age 50 to 59 is **2.6%** (falling — improving for households).

of the debt owed by borrowers age 50 to 59 became 90 or more days late in the year to Q2 2026

## Recent Values

| Period | Value |
|--------|-------|
| 2026-Q2 | 2.6% |
| 2026-Q1 | 2.8% |
| 2025-Q4 | 3.13% |
| 2025-Q3 | 2.81% |
| 2025-Q2 | 2.86% |
| 2025-Q1 | 2.47% |
| 2024-Q4 | 1.78% |
| 2024-Q3 | 1.77% |
| 2024-Q2 | 1.62% |
| 2024-Q1 | 1.48% |
| 2023-Q4 | 1.3% |
| 2023-Q3 | 1.09% |

## Historical Context

- Peak since 2000: **7.06%** in Q4 2009
- Low since 2000: **0.6%** in Q4 2021
- Pre-pandemic average (2015-01 – 2019-12): **2.1%**
- Post-pandemic average (2020-01 – 2024-12): **1.18%**

## Methodology

This indicator carries quarterly observations and is interpreted as higher values indicate worse household conditions. Source: New York Fed Consumer Credit Panel / Equifax.
Measurement basis: For borrowers age 50 to 59, the proportion of outstanding debt that reached 90 or more days past due in the past year (four quarters), all loan types combined, from the Federal Reserve Bank of New York's Quarterly Report on Household Debt and Credit (Page 24 Data, 'Transition into Serious Delinquency (90+) by Age'). The New York Fed reports it as a four-quarter moving sum of quarterly transition rates. It is based on the Consumer Credit Panel, a 5 percent sample of Equifax credit records; records with no birth year are dropped. Each figure carries its quarter's end date, and the New York Fed restates earlier quarters at each release.
Automation: collected automatically on the daily refresh pipeline, with no hand entry.

## Source

New York Fed Consumer Credit Panel / Equifax — [https://www.newyorkfed.org/microeconomics/hhdc](https://www.newyorkfed.org/microeconomics/hhdc)

Data retrieved: 2026-10-29T17:24:17Z

## Related Indicators

- [new-serious-delinquency-rate-borrowers-age-18-to-29](https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-18-to-29/)

## Machine-Readable Endpoints

- HTML page: https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-50-to-59/
- JSON: https://americandefault.org/api/indicators/new-serious-delinquency-rate-borrowers-age-50-to-59.json
- CSV: https://americandefault.org/api/downloads/new-serious-delinquency-rate-borrowers-age-50-to-59.csv
- BibTeX: https://americandefault.org/citations/new-serious-delinquency-rate-borrowers-age-50-to-59.bib
- RIS: https://americandefault.org/citations/new-serious-delinquency-rate-borrowers-age-50-to-59.ris

## Citation

**APA 7th**

    Kilburn, R. (2026). New Serious Delinquency Rate, Borrowers Age 50 to 59 [Data set]. American Default Research. https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-50-to-59/

**Chicago (author-date)**

    Kilburn, Ross. 2026. "New Serious Delinquency Rate, Borrowers Age 50 to 59." American Default Research. https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-50-to-59/.

**MLA 9th**

    Kilburn, Ross. "New Serious Delinquency Rate, Borrowers Age 50 to 59." American Default Research, 2026, americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-50-to-59/.

Use **American Default Research** as the institutional name in source lists, bibliographies, and press citations. **American Default** is the brand and URL form. **American Distress Index (ADI)** is the product name for the national composite score.