US consumer credit stress: card delinquency, APR, prime, debt service
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.
Les titres et les descriptions proviennent des sources de données, en anglais.
- Lignes
- 86
- Colonnes
- 15
- Cadence de la source
- Trimestrielle
- Dernière actualisation
- 29 sept. 2026
- Thème
- economy
| Colonne | 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 | — |
10 premières lignes d’exemple — un aperçu, pas le jeu de données complet.
| 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 |
Profilé le 29 sept. 2026 à partir de l’instantané 20260929T082401Z-0a763a64d607
Mesuré- Complétude
- 99,1 %
- Lignes
- 86
- Colonnes
- 15
- Colonnes incomplètes
- 3
| Colonne | Manquant | Distinctes | Plage | Distribution |
|---|---|---|---|---|
| quarter_startdate | 0 % | 94 | 1 janv. 2005 → 1 avr. 2026 | — |
| year_quartervarchar | 0 % | 77 | — |
|
| countryvarchar | 0 % | 1 | — |
|
| country_codevarchar | 0 % | 1 | — |
|
| cc_delinquency_sa_pctdouble | 0 % | 88 | 1,53 → 6,77médiane 2,79 | 2 hors du 1er–99e centile |
| card_apr_pctdouble | 0 % | 69 | 11,82 → 21,76médiane 13,43 | 2 hors du 1er–99e centile |
| prime_rate_qavg_pctdouble | 0 % | 48 | 3,25 → 8,5médiane 4,05 | |
| debt_service_ratio_pctdouble | 0 % | 87 | 9,05 → 15,85médiane 11,76 | 2 hors du 1er–99e centile |
| delinquency_yoy_ppdouble | 4,7 % | 74 | -2,19 → 1,87médiane 0,01 | 2 hors du 1er–99e centile |
| card_apr_yoy_ppdouble | 4,7 % | 76 | -1,65 → 5,71médiane 0,14 | 2 hors du 1er–99e centile |
| debt_service_yoy_ppdouble | 4,7 % | 82 | -2,54 → 1,42médiane -0,0447 | 2 hors du 1er–99e centile |
| apr_prime_spread_ppdouble | 0 % | 94 | 4,81 → 14,25médiane 9,23 | 2 hors du 1er–99e centile |
| credit_stress_scoredouble | 0 % | 80 | 12,05 → 68,78médiane 30,85 | 2 hors du 1er–99e centile |
| stress_tiervarchar | 0 % | 3 | — |
|
| row_hashvarchar | 0 % | 94 | — |
|
- Actuelle
20260929T082401Z-0a763a64d607 · sha256 0a763a64d607…
86 lignes · premier instantané
Dirigez n’importe quel LLM vers le point d’accès des métadonnées — la documentation ci-dessus est aussi lisible par machine (JSON-LD + Croissant).
curl "https://datazimuts.com/v1/datasets/fred_consumer_credit_stress/us_consumer_credit_stress_quarterly" | jq '{title, rows, columns_count, license}'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)Point d’accès API : https://datazimuts.com/v1/datasets/fred_consumer_credit_stress/us_consumer_credit_stress_quarterly
Astuce : récupérez /llms.txt pour le catalogue complet lisible par machine.
D’où viennent ces données et ce qui en a été fait. Le travail des autres apparaît sous forme de décomptes ; seuls les projets partagés sont nommés.
Citer cet instantané
Épinglé à l’instantané 20260929T082401Z-0a763a64d607 et à son empreinte, pour que vos lecteurs obtiennent exactement les données utilisées.
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/fr/datasets/fred_consumer_credit_stress/us_consumer_credit_stress_quarterly?snapshot=20260929T082401Z-0a763a64d607
@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/fr/datasets/fred_consumer_credit_stress/us_consumer_credit_stress_quarterly?snapshot=20260929T082401Z-0a763a64d607}},
note = {Snapshot 20260929T082401Z-0a763a64d607, sha256 0a763a64d607662cc00563aad8274a9127e172b13691b824f41e96a3422e68d0; accessed 2026-09-30}
}Intégrer un tableau ou un graphique
Collez ce code dans n’importe quelle page. L’intégration est épinglée au même instantané, suit le thème clair ou sombre du lecteur et affiche toujours la source, la licence et un lien de retour.
<iframe src="https://datazimuts.com/embed/chart?dataset=fred_consumer_credit_stress%2Fus_consumer_credit_stress_quarterly&lang=fr&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>
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