US consumer credit stress: card delinquency, APR, prime, debt service

Commercial use OKFresh

The full snapshot isn't published yet — check back after the next refresh.Download sample CSV Download sample JSONSample rows only (up to 20) — not the complete dataset.

Quarterly US consumer credit-stress panel, 2005-Q1 onward: credit-card delinquency rate (SA, all commercial banks), credit-card plan APR, bank prime loan rate (quarterly mean of monthly), and the household debt-service ratio (required debt payments as % of disposable income), plus 4-quarter point changes, the card-APR-over-prime spread, and a documented 0-100 credit_stress_score (mean of full-panel min-max normalizations of delinquency, APR and debt-service; higher = more stressed) with s1..s4 stress tiers. Upstream: FRED keyless fredgraph.csv (DRCCLACBS, TERMCBCCALLNS, MPRIME, TDSP; Board of Governors of the Federal Reserve System). Panel start is set by TDSP's keyless coverage (2005-Q1). One row per quarter x USA; in-window nulls fail loudly, never imputed. Who joins this: subscription businesses join churn on year_quarter; online shops join demand on year_quarter + country_code.

Source: US Consumer Credit Stress (FRED, keyless)
Rows: 86
Columns: 15
Source cadence: Quarterly
Last refreshed: Sep 29, 2026
Theme: economy

Column	Type	Description
quarter_start	date	First day of the calendar quarter. (unit: date)
year_quarter	string	Calendar quarter as YYYY-QN (panel join key). (unit: string)
country	string	Country name (shared normalization layer). (unit: string)
country_code	string	ISO 3166-1 alpha-3 country code (USA). (unit: string)
cc_delinquency_sa_pct	float	Delinquency rate on credit-card loans, all commercial banks, seasonally adjusted, percent (FRED DRCCLACBS; Board of Governors release 'Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks'). (unit: percent)
card_apr_pct	float	Commercial-bank interest rate on credit-card plans, all accounts, percent (FRED TERMCBCCALLNS; the Fed publishes the survey in Feb/May/Aug/Nov, mapped to Q1/Q2/Q3/Q4). (unit: percent)
prime_rate_qavg_pct	float	Bank prime loan rate, quarterly mean of the monthly observations, percent (FRED MPRIME). (unit: percent)
debt_service_ratio_pct	float	Household debt-service payments as a percent of disposable personal income, seasonally adjusted (FRED TDSP; total required household debt payments over disposable income). (unit: percent)
delinquency_yoy_pp	float	—
card_apr_yoy_pp	float	—
debt_service_yoy_pp	float	—
apr_prime_spread_pp	float	—
credit_stress_score	float	—
stress_tier	string	—
row_hash	string	—

First 10 sample rows — a preview, not the complete dataset.

quarter_start	year_quarter	country	country_code	cc_delinquency_sa_pct	card_apr_pct	prime_rate_qavg_pct	debt_service_ratio_pct	delinquency_yoy_pp	card_apr_yoy_pp	debt_service_yoy_pp	apr_prime_spread_pp	credit_stress_score	stress_tier	row_hash
2005-01-01	2005-Q1	United States	USA	3.7	12.21	5.44	14.8	—	—	—	6.77	43.311	s2	6f1c6e8e4156efa5
2005-04-01	2005-Q2	United States	USA	3.67	12.77	5.913	14.829	—	—	—	6.857	45.139	s2	c348d5601f4a2ad1
2005-07-01	2005-Q3	United States	USA	3.9	12.48	6.427	15.14	—	—	—	6.053	47.158	s2	c59d029b99397d7e
2005-10-01	2005-Q4	United States	USA	3.54	12.58	6.967	15.029	—	—	—	5.613	44.656	s2	2b8e3a27515bc8b3
2006-01-01	2006-Q1	United States	USA	3.86	13.3	7.43	14.989	0.16	1.09	0.19	5.87	48.915	s2	87db200ec209d76e
2006-04-01	2006-Q2	United States	USA	4.13	13.16	7.9	15.044	0.46	0.39	0.216	5.26	50.432	s3	b51d2de1fcd341f4
2006-07-01	2006-Q3	United States	USA	4.12	13.06	8.25	15.367	0.22	0.58	0.227	4.81	51.617	s3	8a3504ce6c528daf
2006-10-01	2006-Q4	United States	USA	3.95	13.31	8.25	15.51	0.41	0.73	0.481	5.06	52.073	s3	bc9e8289f0d6e1bf
2007-01-01	2007-Q1	United States	USA	3.98	13.41	8.25	15.527	0.12	0.11	0.537	5.16	52.682	s3	4bf6d89025d4ffb7
2007-04-01	2007-Q2	United States	USA	4.02	13.46	8.25	15.633	-0.11	0.3	0.588	5.21	53.624	s3	14b247e6284c865b

Profiled Sep 29, 2026 from snapshot 20260929T082401Z-0a763a64d607

Measured

Completeness: 99.1%
Rows: 86
Columns: 15
Columns with gaps: 3

Rows per yearquarter_start · 2005–2026 · 22 years

20052026

Column	Missing	Distinct	Range	Distribution
quarter_startdate	0%	94	Jan 1, 2005 → Apr 1, 2026	—
year_quartervarchar	0%	77	—	2005-Q11 2005-Q21 2005-Q31
countryvarchar	0%	1	—	United States86
country_codevarchar	0%	1	—	USA86
cc_delinquency_sa_pctdouble	0%	88	1.53 → 6.77median 2.79	2 outside 1st–99th percentile
card_apr_pctdouble	0%	69	11.82 → 21.76median 13.43	2 outside 1st–99th percentile
prime_rate_qavg_pctdouble	0%	48	3.25 → 8.5median 4.05
debt_service_ratio_pctdouble	0%	87	9.05 → 15.85median 11.76	2 outside 1st–99th percentile
delinquency_yoy_ppdouble	4.7%	74	-2.19 → 1.87median 0.01	2 outside 1st–99th percentile
card_apr_yoy_ppdouble	4.7%	76	-1.65 → 5.71median 0.14	2 outside 1st–99th percentile
debt_service_yoy_ppdouble	4.7%	82	-2.54 → 1.42median -0.0447	2 outside 1st–99th percentile
apr_prime_spread_ppdouble	0%	94	4.81 → 14.25median 9.23	2 outside 1st–99th percentile
credit_stress_scoredouble	0%	80	12.05 → 68.78median 30.85	2 outside 1st–99th percentile
stress_tiervarchar	0%	3	—	s133 s227 s326
row_hashvarchar	0%	94	—	026621828084f9481 057c06509f1a3f151 06cf65028c71ed511

Point any LLM at the metadata endpoint — the documentation above is machine-readable too (JSON-LD + Croissant).

cURL

curl "https://datazimuts.com/v1/datasets/fred_consumer_credit_stress/us_consumer_credit_stress_quarterly" | jq '{title, rows, columns_count, license}'

Python

import requests

ds = requests.get("https://datazimuts.com/v1/datasets/fred_consumer_credit_stress/us_consumer_credit_stress_quarterly").json()
print(ds["title"], ds["rows"], "rows")

# Sample rows for an LLM context window
for row in ds.get("sample_rows", [])[:5]:
    print(row)

API endpoint: https://datazimuts.com/v1/datasets/fred_consumer_credit_stress/us_consumer_credit_stress_quarterly

Tip: fetch /llms.txt for the full machine-readable catalog.

Cite this snapshot

Pinned to snapshot 20260929T082401Z-0a763a64d607 and its content hash, so readers get exactly the data you used.

APA

US Consumer Credit Stress (FRED, keyless). (2026). US consumer credit stress: card delinquency, APR, prime, debt service [Data set, snapshot 20260929T082401Z-0a763a64d607, sha256 0a763a64d607]. Datazimuts. Retrieved 2026-09-30, from https://datazimuts.com/en/datasets/fred_consumer_credit_stress/us_consumer_credit_stress_quarterly?snapshot=20260929T082401Z-0a763a64d607

BibTeX

@misc{dz_fred_consumer_credit_stress_us_consumer__0a763a64,
  title        = {{US consumer credit stress: card delinquency, APR, prime, debt service}},
  author       = {{US Consumer Credit Stress (FRED, keyless)}},
  year         = {2026},
  publisher    = {Datazimuts},
  howpublished = {\url{https://datazimuts.com/en/datasets/fred_consumer_credit_stress/us_consumer_credit_stress_quarterly?snapshot=20260929T082401Z-0a763a64d607}},
  note         = {Snapshot 20260929T082401Z-0a763a64d607, sha256 0a763a64d607662cc00563aad8274a9127e172b13691b824f41e96a3422e68d0; accessed 2026-09-30}
}

Embed a table or a chart

Paste this into any page. The embed is pinned to the same snapshot, follows the reader's light or dark setting, and always shows the source, license and a link back.

Type

X axis

Value

Aggregate

Theme

HTML

<iframe src="https://datazimuts.com/embed/chart?dataset=fred_consumer_credit_stress%2Fus_consumer_credit_stress_quarterly&lang=en&theme=auto&snapshot=20260929T082401Z-0a763a64d607&x=year_quarter&y=cc_delinquency_sa_pct&agg=avg" title="US consumer credit stress: card delinquency, APR, prime, debt service" width="100%" height="380" style="border:0" loading="lazy"></iframe>

US consumer credit stress: card delinquency, APR, prime, debt service

Follow this dataset

Cite this snapshot

Embed a table or a chart

Use your own AI key