090°Open data
Open datasets, fully documented — searchable here, and readable by any LLM.
2 datasets
Bank Credit Cycle Signals (derived)
Signals derived from FRED's US bank-credit series: 30-period annualized volatility of changes, 3-month momentum, year-over-year level change, 3-sigma anomaly flags, naive-drift 1-month forecasts, a per-date cross-series volatility rank, and a delinquency stress-regime flag (1 when the real-estate delinquency rate exceeds its trailing-5-year 75th percentile) mapped onto every row's quarter. Covers TOTLL (weekly bank credit of all commercial banks), BUSLOANS (monthly commercial & industrial loans), REVOLSL (monthly consumer credit outstanding) and DRALACBN (quarterly delinquency rate on all real-estate loans). All rows are normalized to country_code USA so they join cleanly with US macro data. Raw series: Federal Reserve Bank of St. Louis (FRED).
US Consumer Credit Stress (FRED, keyless)
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.
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