Serious Delinquency Rate (90+ days, All Loan Types)
All consumer debt 90+ days past due
Where the Serious Delinquency Rate (90+ days, All Loan Types) stands now
The Serious Delinquency Rate (90+ days, All Loan Types) was 3.31% in the second quarter of 2026, down from the 3.36% peak in the first quarter of 2026. It has been higher than a year earlier for two quarters in a row, though it dipped from that peak.
What it means for households: Mortgage Delinquency Statistics Behind on payments? How to Stop a Foreclosure
How the Serious Delinquency Rate (90+ days, All Loan Types) has moved since 2003
Serious Delinquency Rate (90+ days, All Loan Types): up since 2022, near the highest in data back to 2025
Serious delinquency rate across all consumer loan balances: 3.31% in the second quarter of 2026, up from 3.04% a year earlier. Quarterly, 2003–2026.
What the Serious Delinquency Rate (90+ days, All Loan Types) measures
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.
A higher rate is worse for households.
Serious Delinquency Rate (90+ days, All Loan Types) by quarter, 2003 to 2026
Every quarter since 2003, newest first. The change compares each quarter with the same quarter a year earlier.
The source changed how it measures this in 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. Figures on either side are not directly comparable, so the change column stays blank where a comparison would cross that date. Source documentation.
The source changed how it measures this in 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. Figures on either side are not directly comparable, so the change column stays blank where a comparison would cross that date. Source documentation.
The source changed how it measures this in 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. Figures on either side are not directly comparable, so the change column stays blank where a comparison would cross that date. Source documentation.
The source changed how it measures this in 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. Figures on either side are not directly comparable, so the change column stays blank where a comparison would cross that date. Source documentation.
| Quarter | Rate (%) | Change from a year earlier (percentage points) |
|---|---|---|
| Q2 2026 | 3.31 | +0.27 |
| Q1 2026 | 3.36 | +0.52 |
| Q4 2025 | 3.12 | — |
| Q3 2025 | 2.98 | — |
| Q2 2025 | 3.04 | — |
| Q1 2025 | 2.84 | — |
| Q4 2024 | 2.04 | +0.30 |
| Q3 2024 | 1.97 | +0.35 |
| Q2 2024 | 1.83 | +0.36 |
| Q1 2024 | 1.83 | +0.37 |
| Q4 2023 | 1.74 | +0.33 |
| Q3 2023 | 1.62 | — |
| Q2 2023 | 1.47 | — |
| Q1 2023 | 1.46 | — |
| Q4 2022 | 1.41 | — |
| Q3 2022 | 1.64 | −0.30 |
| Q2 2022 | 1.81 | −0.25 |
| Q1 2022 | 1.83 | −0.46 |
| Q4 2021 | 1.87 | −0.46 |
| Q3 2021 | 1.94 | −0.49 |
| Q2 2021 | 2.06 | −0.55 |
| Q1 2021 | 2.29 | — |
| Q4 2020 | 2.33 | — |
| Q3 2020 | 2.43 | — |
| Q2 2020 | 2.61 | — |
| Q1 2020 | 3.17 | +0.11 |
| Q4 2019 | 3.15 | +0.05 |
| Q3 2019 | 3.04 | −0.05 |
| Q2 2019 | 2.94 | −0.10 |
| Q1 2019 | 3.06 | −0.05 |
| Q4 2018 | 3.10 | −0.02 |
| Q3 2018 | 3.09 | −0.10 |
| Q2 2018 | 3.04 | −0.22 |
| Q1 2018 | 3.11 | −0.26 |
| Q4 2017 | 3.12 | −0.18 |
| Q3 2017 | 3.19 | −0.09 |
| Q2 2017 | 3.26 | −0.08 |
| Q1 2017 | 3.37 | −0.23 |
| Q4 2016 | 3.30 | −0.39 |
| Q3 2016 | 3.28 | −0.51 |
| Q2 2016 | 3.34 | −0.64 |
| Q1 2016 | 3.60 | −0.65 |
| Q4 2015 | 3.69 | −0.61 |
| Q3 2015 | 3.79 | −0.54 |
| Q2 2015 | 3.98 | −0.51 |
| Q1 2015 | 4.25 | −0.52 |
| Q4 2014 | 4.30 | −0.73 |
| Q3 2014 | 4.33 | −0.98 |
| Q2 2014 | 4.49 | −1.21 |
| Q1 2014 | 4.77 | −1.30 |
| Q4 2013 | 5.03 | −1.28 |
| Q3 2013 | 5.31 | −1.24 |
| Q2 2013 | 5.70 | — |
| Q1 2013 | 6.07 | — |
| Q4 2012 | 6.31 | — |
| Q3 2012 | 6.55 | — |
| Q2 2012 | 6.71 | −0.53 |
| Q1 2012 | 6.96 | −0.73 |
| Q4 2011 | 7.14 | −0.69 |
| Q3 2011 | 7.14 | −0.81 |
| Q2 2011 | 7.24 | −1.11 |
| Q1 2011 | 7.69 | −1.02 |
| Q4 2010 | 7.83 | −0.71 |
| Q3 2010 | 7.95 | −0.07 |
| Q2 2010 | 8.35 | +0.55 |
| Q1 2010 | 8.71 | +1.66 |
| Q4 2009 | 8.54 | +2.65 |
| Q3 2009 | 8.02 | +2.91 |
| Q2 2009 | 7.80 | +3.16 |
| Q1 2009 | 7.05 | +2.64 |
| Q4 2008 | 5.89 | +2.27 |
| Q3 2008 | 5.11 | +2.05 |
| Q2 2008 | 4.64 | +1.98 |
| Q1 2008 | 4.41 | +1.91 |
| Q4 2007 | 3.62 | +1.29 |
| Q3 2007 | 3.06 | +0.95 |
| Q2 2007 | 2.66 | +0.75 |
| Q1 2007 | 2.50 | +0.55 |
| Q4 2006 | 2.33 | +0.36 |
| Q3 2006 | 2.11 | +0.09 |
| Q2 2006 | 1.91 | −0.11 |
| Q1 2006 | 1.95 | −0.26 |
| Q4 2005 | 1.97 | −0.29 |
| Q3 2005 | 2.02 | −0.22 |
| Q2 2005 | 2.02 | −0.20 |
| Q1 2005 | 2.21 | −0.10 |
| Q4 2004 | 2.26 | −0.09 |
| Q3 2004 | 2.24 | −0.15 |
| Q2 2004 | 2.22 | −0.27 |
| Q1 2004 | 2.31 | −0.26 |
| Q4 2003 | 2.35 | — |
| Q3 2003 | 2.39 | — |
| Q2 2003 | 2.49 | — |
| Q1 2003 | 2.57 | — |
Quarterly · New York Fed Consumer Credit Panel / Equifax
Counties with the highest delinquency scores
There's no county figure for this measure, so this list uses the delinquency part of our County Distress Index.
| Rank | County | Score (0–100) |
|---|---|---|
| 1 | Coahoma County, MS | 99.5 |
| 2 | Washington County, MS | 99.3 |
| 3 | Leflore County, MS | 99.3 |
| 4 | Williamsburg County, SC | 99.2 |
| 5 | Dillon County, SC | 98.9 |
| 6 | Clayton County, GA | 98.9 |
| 7 | Yazoo County, MS | 98.6 |
| 8 | Sunflower County, MS | 98.5 |
| 9 | Marlboro County, SC | 98.4 |
| 10 | Dallas County, AL | 98.3 |
Questions about serious delinquency on all loans
What is the all-balance serious delinquency rate?
It is the share of dollars owed on credit reports, across all loan types, that is 90 or more days late, including charged-off debts lenders still report. The New York Fed put it at 3.31% in the second quarter of 2026, up from 3.04% a year earlier.
Is this the share of people who are behind?
No. It is a share of dollar balances on credit reports. One large late balance counts more than many small ones, and people without a credit report are outside it.
Why did it jump in early 2025?
In the first quarter of 2025, late federal student loans began appearing on credit reports again after a pause of nearly five years. By our arithmetic from the New York Fed's data, student loans account for most of that jump; the other loan types moved much less.
Where does this data come from?
The Federal Reserve Bank of New York's Quarterly Report on Household Debt and Credit, built from a random sample of anonymized Equifax credit reports. It comes out about six weeks after each quarter ends.
Sources and method for the Serious Delinquency Rate (90+ days, All Loan Types)
- 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. We use the quarterly figures as published, from the first quarter of 2003 through the second quarter of 2026, with no adjustment of our own. Federal Reserve Bank of New York doesn’t adjust this rate for the season, so compare a quarter with the same quarter a year earlier. Federal Reserve Bank of New York’s report
We write with assistance from AI tools. Figures come from the data and sources named on this page.