Debt Stress

Serious Delinquency Rate (90+ Days, All Balances)

All consumer debt 90+ days past due

What is the current Serious Delinquency Rate (90+ Days, All Balances)?

ALL DEBT 90+ DAYS DELINQUENT
3.12% ↑ Worsening
of all consumer debt is seriously delinquent

The serious delinquency rate across all consumer debt balances stood at 3.12% in Q4 2024, according to the NY Fed Consumer Credit Panel. This aggregate measure captures loans 90 or more days past due across mortgages, auto loans, credit cards, and student loans. Source: NY Fed Consumer Credit Panel / Equifax.

Serious Delinquency Rate (90+ Days, All Balances) rising to 3.1%

Tracking worsening relative to recent baseline.

Source: NY Fed Household Debt and Credit Report via official source ↗
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Explore Further

📊 Mortgage Delinquency Statistics 2026 → 📝 The FHA Signal: 11.52% and Climbing → 🛟 How to Stop a Foreclosure → 📖 What Is Delinquency? → 📖 What Is Foreclosure? →

How has Serious Delinquency Rate (90+ Days, All Balances) changed over time?

CSV Chart Card
Serious Delinquency Rate (90+ Days, All Balances) over time
Serious delinquency rate across all consumer loan balances
Serious Delinquency Rate (90+ Days, All Balances)
Data: NY Fed Household Debt and Credit Report Updated Mar 2026
Historical data
Quarterly · NY Fed Household Debt and Credit Report
Period Value YoY Change
Q4 2025 3.12% +1.1 pts
Q3 2025 2.98% +1.0 pts
Q2 2025 3.04% +1.2 pts
Q1 2025 2.84% +1.0 pts
Q4 2024 2.04% +0.3 pts
Q3 2024 1.97% +0.3 pts
Q2 2024 1.83% +0.4 pts
Q1 2024 1.83% +0.4 pts
Q4 2023 1.74% +0.3 pts
Q3 2023 1.62% −0.0 pts
Q2 2023 1.47% −0.3 pts
Q1 2023 1.46% −0.4 pts

Frequently Asked Questions

What is the all-balance serious delinquency rate?

This rate measures the share of all consumer debt balances — mortgages, auto loans, credit cards, student loans — that are 90 or more days past due. At 3.12% in Q4 2024, it provides a comprehensive view of household debt distress.

How does this differ from individual loan delinquency rates?

While individual rates show stress in specific debt categories, the all-balance rate reveals the total burden across all consumer obligations. The American Distress Index uses this as a broad debt stress signal.

Where does this data come from?

This data comes from the NY Fed Consumer Credit Panel, based on Equifax credit bureau records, published quarterly.

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Why does Serious Delinquency Rate (90+ Days, All Balances) matter?

Serious Delinquency Rate (90+ Days, All Balances) is one of 91 indicators in the American Distress Index's debt stress layer — the signal that predicted the 2008 crisis two years before delinquency data confirmed it.
View methodology →
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