--- title: "Serious Delinquency Rate (90+ days, All Loan Types)" slug: serious-delinquency-rate-90-days-all-loan-types summary: "Serious delinquency at 3.31% of all balances on credit reports" category: "Housing" unit: percent frequency: quarterly direction: higher_is_worse latest_value: 3.31 latest_period: "2026-Q2" trend: rising last_updated: "2026-08-11T00:00:00Z" source: "New York Fed Consumer Credit Panel / Equifax" measurement_basis: "Percent of outstanding balances across all loan types that are 90 or more days delinquent, using the \"ALL\" series in the New York Fed table \"Percent of Balance 90+ Days Delinquent by Loan Type\" (unit: Percent; source: New York Fed Consumer Credit Panel/Equifax). This is a balance-level rate, not a share of borrowers." source_url: https://www.newyorkfed.org/microeconomics/hhdc canonical_html: https://americandefault.org/indicators/serious-delinquency-rate-90-days-all-loan-types/ citation_apa: "Kilburn, R. (2026). Serious Delinquency Rate (90+ days, All Loan Types) [Data set]. American Default Research. https://americandefault.org/indicators/serious-delinquency-rate-90-days-all-loan-types/" citation_chicago: "Kilburn, Ross. 2026. \"Serious Delinquency Rate (90+ days, All Loan Types).\" American Default Research. https://americandefault.org/indicators/serious-delinquency-rate-90-days-all-loan-types/." citation_mla: "Kilburn, Ross. \"Serious Delinquency Rate (90+ days, All Loan Types).\" American Default Research, 2026, americandefault.org/indicators/serious-delinquency-rate-90-days-all-loan-types/." --- # Serious Delinquency Rate (90+ days, All Loan Types) > Serious delinquency at 3.31% of all balances on credit reports ## Current Reading As of 2026-Q2, Serious Delinquency Rate (90+ days, All Loan Types) is **3.31%** (rising — worsening for households). of all balances on credit reports are 90 or more days late ## What Changed - The share of all consumer debt balances 90 or more days late was 3.31% in Q2 2026, up from 3.04% a year earlier. - The second highest of 5 like-for-like quarters since 2025 (leaving out the fourth quarter of 2025), when late federal student loans returned to credit reports. ## Recent Values | Period | Value | |--------|-------| | 2026-Q2 | 3.31% | | 2026-Q1 | 3.36% | | 2025-Q4 | 3.12% | | 2025-Q3 | 2.98% | | 2025-Q2 | 3.04% | | 2025-Q1 | 2.84% | | 2024-Q4 | 2.04% | | 2024-Q3 | 1.97% | | 2024-Q2 | 1.83% | | 2024-Q1 | 1.83% | | 2023-Q4 | 1.74% | | 2023-Q3 | 1.62% | ## Historical Context This series is not comparable end to end, so no all-time extreme or long-run average is published for it. The source changed what it measures on the following date(s): - Q3 2012: The New York Fed says previously unreported defaulted student loans reappeared on credit reports in the third quarter of 2012, so the student-loan part of this share is not measured the same way on either side of that quarter. Source: https://www.newyorkfed.org/microeconomics/faq.html - Q2 2020: From the second quarter of 2020 federal student loans in the pandemic payment pause were reported as current, and the New York Fed said accounts in forbearance were typically reported current on credit reports. Source: https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2020Q2.pdf - Q4 2022: In the fourth quarter of 2022 the Education Department's Fresh Start program marked more than $34 billion of defaulted federal student loans as current, which the New York Fed tied to that quarter's drop in reported student-loan delinquency. Source: https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2022Q4.pdf - Q1 2025: In the first quarter of 2025 the New York Fed says late federal student loans began appearing on credit reports again after a pause of nearly five years, so readings from then on are not on the same footing as 2020 through 2024. Source: https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2025Q1.pdf Compare readings only within a single segment. Subtracting across one of these dates measures the change in method, not in household conditions. ## 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: Percent of outstanding balances across all loan types that are 90 or more days delinquent, using the "ALL" series in the New York Fed table "Percent of Balance 90+ Days Delinquent by Loan Type" (unit: Percent; source: New York Fed Consumer Credit Panel/Equifax). This is a balance-level rate, not a share of borrowers. 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: 2026-08-11T00:00:00Z ## Related Indicators - [mortgage-delinquency-rate](https://americandefault.org/indicators/mortgage-delinquency-rate/) - [student-loan-delinquency-rate-90-days](https://americandefault.org/indicators/student-loan-delinquency-rate-90-days/) - [the-late-fee](https://americandefault.org/indicators/the-late-fee/) - [the-repo-line](https://americandefault.org/indicators/the-repo-line/) ## Machine-Readable Endpoints - HTML page: https://americandefault.org/indicators/serious-delinquency-rate-90-days-all-loan-types/ - JSON: https://americandefault.org/api/indicators/serious-delinquency-rate-90-days-all-loan-types.json - CSV: https://americandefault.org/api/downloads/serious-delinquency-rate-90-days-all-loan-types.csv - BibTeX: https://americandefault.org/citations/serious-delinquency-rate-90-days-all-loan-types.bib - RIS: https://americandefault.org/citations/serious-delinquency-rate-90-days-all-loan-types.ris ## Citation **APA 7th** Kilburn, R. (2026). Serious Delinquency Rate (90+ days, All Loan Types) [Data set]. American Default Research. https://americandefault.org/indicators/serious-delinquency-rate-90-days-all-loan-types/ **Chicago (author-date)** Kilburn, Ross. 2026. "Serious Delinquency Rate (90+ days, All Loan Types)." American Default Research. https://americandefault.org/indicators/serious-delinquency-rate-90-days-all-loan-types/. **MLA 9th** Kilburn, Ross. "Serious Delinquency Rate (90+ days, All Loan Types)." American Default Research, 2026, americandefault.org/indicators/serious-delinquency-rate-90-days-all-loan-types/. 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.