US bank credit-stress panel (quarterly)
Usage commercial OKÀ jour
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Quarterly bank asset-quality panel from the Fed Board's charge-off and delinquency release (keyless via FRED fredgraph.csv, 1991Q1 -> latest): delinquency rates on five loan books and net charge-off rates on three, all commercial banks, seasonally adjusted, in percent. QoQ / YoY changes in pp, percentile-of-own-history stress scores (trailing 40 quarters), a documented 0-100 credit-stress index (0.6 delinquency / 0.4 charge-off) with t1-t4 tiers, delinquency-peak / charge-off-surge / NBER-recession flags, and the worst-stress loan book each quarter.
Les titres et les descriptions proviennent des sources de données, en anglais.
- Lignes
- 142
- Colonnes
- 44
- Cadence de la source
- Trimestrielle
- Dernière actualisation
- 30 sept. 2026
- Thème
- economy
| Colonne | Type | Description |
|---|---|---|
| row_hash | string | Deterministic 16-hex sha256 over as_of, quarter, the eight rate levels, and credit_stress_index; identical input produces an identical hash. |
| as_of | string | Snapshot anchor: the latest quarter present in all nine series (YYYY-MM-DD). |
| quarter | string | Panel quarter label (YYYYQN). |
| quarter_start | string | Quarter start date (YYYY-MM-DD) — the ISO date join key. |
| country_code | string | ISO alpha-3 join key; constant 'USA'. |
| dq_real_estate | float | Delinquency rate, all real estate loans, all commercial banks, seasonally adjusted (FRED DRALACBS). (unit: percent) |
| dq_sf_mortgage | float | Delinquency rate, single-family mortgage loans, all commercial banks, seasonally adjusted (FRED DRSFRMACBS). (unit: percent) |
| dq_credit_card | float | Delinquency rate, credit card loans, all commercial banks, seasonally adjusted (FRED DRCCLACBS). (unit: percent) |
| dq_consumer | float | Delinquency rate, consumer loans, all commercial banks, seasonally adjusted (FRED DRCLACBS). (unit: percent) |
| dq_ci | float | Delinquency rate, commercial & industrial loans, all commercial banks, seasonally adjusted (FRED DRBLACBS). (unit: percent) |
| co_real_estate | float | Net charge-off rate (annualized, net of recoveries), all real estate loans, all commercial banks, seasonally adjusted (FRED CORALACBS). (unit: percent) |
| co_credit_card | float | Net charge-off rate (annualized, net of recoveries), credit card loans, all commercial banks, seasonally adjusted (FRED CORCCACBS). (unit: percent) |
| co_ci | float | Net charge-off rate (annualized, net of recoveries), commercial & industrial loans, all commercial banks, seasonally adjusted (FRED CORBLACBS). (unit: percent) |
| dq_real_estate_qoq_pp | float | Quarter-on-quarter change of the delinquency rate. (unit: pp) |
| dq_sf_mortgage_qoq_pp | float | Quarter-on-quarter change of the delinquency rate. (unit: pp) |
| dq_credit_card_qoq_pp | float | Quarter-on-quarter change of the delinquency rate. (unit: pp) |
| dq_consumer_qoq_pp | float | Quarter-on-quarter change of the delinquency rate. (unit: pp) |
| dq_ci_qoq_pp | float | Quarter-on-quarter change of the delinquency rate. (unit: pp) |
| co_real_estate_qoq_pp | float | Quarter-on-quarter change of the charge-off rate. (unit: pp) |
| co_credit_card_qoq_pp | float | Quarter-on-quarter change of the charge-off rate. (unit: pp) |
| co_ci_qoq_pp | float | Quarter-on-quarter change of the charge-off rate. (unit: pp) |
| dq_real_estate_yoy_pp | float | Year-on-year change of the delinquency rate. (unit: pp) |
| dq_sf_mortgage_yoy_pp | float | Year-on-year change of the delinquency rate. (unit: pp) |
| dq_credit_card_yoy_pp | float | Year-on-year change of the delinquency rate. (unit: pp) |
| dq_consumer_yoy_pp | float | Year-on-year change of the delinquency rate. (unit: pp) |
| dq_ci_yoy_pp | float | Year-on-year change of the delinquency rate. (unit: pp) |
| co_real_estate_yoy_pp | float | Year-on-year change of the charge-off rate. (unit: pp) |
| co_credit_card_yoy_pp | float | Year-on-year change of the charge-off rate. (unit: pp) |
| co_ci_yoy_pp | float | Year-on-year change of the charge-off rate. (unit: pp) |
| dq_real_estate_stress | float | Percentile of the current delinquency rate within its own trailing 40 quarters (100*(r-1)/(n-1), average ranks; null with <12 window observations or zero variance). Higher = more stressed. (unit: 0-100) |
| dq_sf_mortgage_stress | float | Percentile of the current delinquency rate within its own trailing 40 quarters (100*(r-1)/(n-1), average ranks; null with <12 window observations or zero variance). Higher = more stressed. (unit: 0-100) |
| dq_credit_card_stress | float | Percentile of the current delinquency rate within its own trailing 40 quarters (100*(r-1)/(n-1), average ranks; null with <12 window observations or zero variance). Higher = more stressed. (unit: 0-100) |
| dq_consumer_stress | float | Percentile of the current delinquency rate within its own trailing 40 quarters (100*(r-1)/(n-1), average ranks; null with <12 window observations or zero variance). Higher = more stressed. (unit: 0-100) |
| dq_ci_stress | float | Percentile of the current delinquency rate within its own trailing 40 quarters (100*(r-1)/(n-1), average ranks; null with <12 window observations or zero variance). Higher = more stressed. (unit: 0-100) |
| co_real_estate_stress | float | Percentile of the current charge-off rate within its own trailing 40 quarters (100*(r-1)/(n-1), average ranks; null with <12 window observations or zero variance). Higher = more stressed. (unit: 0-100) |
| co_credit_card_stress | float | Percentile of the current charge-off rate within its own trailing 40 quarters (100*(r-1)/(n-1), average ranks; null with <12 window observations or zero variance). Higher = more stressed. (unit: 0-100) |
| co_ci_stress | float | Percentile of the current charge-off rate within its own trailing 40 quarters (100*(r-1)/(n-1), average ranks; null with <12 window observations or zero variance). Higher = more stressed. (unit: 0-100) |
| credit_stress_index | float | Documented 0-100 credit-stress index: 0.6 * mean(delinq stress scores) + 0.4 * mean(charge-off stress scores); null until every leg score is non-null (early history). (unit: 0-100) |
| stress_tier | string | t4_crisis (>=80) / t3_stressed (>=60) / t2_elevated (>=40) / t1_calm (<40). |
| worst_leg | string | Loan-book column code with the highest stress score that quarter (e.g. dq_credit_card). |
| recession_flag | boolean | True when the NBER (via FRED USRECQ) marks the quarter a recession quarter. |
| dq_peak_flag | boolean | True when any delinquency leg sits at its trailing-5-year maximum. |
| co_surge_flag | boolean | True when any charge-off leg rose >= 0.25 pp QoQ. |
| provenance_url | string | Fed Board release page behind all nine series. |
10 premières lignes d’exemple — un aperçu, pas le jeu de données complet.
| row_hash | as_of | quarter | quarter_start | country_code | dq_real_estate | dq_sf_mortgage | dq_credit_card | dq_consumer | dq_ci | co_real_estate | co_credit_card | co_ci | dq_real_estate_qoq_pp | dq_sf_mortgage_qoq_pp | dq_credit_card_qoq_pp | dq_consumer_qoq_pp | dq_ci_qoq_pp | co_real_estate_qoq_pp | co_credit_card_qoq_pp | co_ci_qoq_pp | dq_real_estate_yoy_pp | dq_sf_mortgage_yoy_pp | dq_credit_card_yoy_pp | dq_consumer_yoy_pp | dq_ci_yoy_pp | co_real_estate_yoy_pp | co_credit_card_yoy_pp | co_ci_yoy_pp | dq_real_estate_stress | dq_sf_mortgage_stress | dq_credit_card_stress | dq_consumer_stress | dq_ci_stress | co_real_estate_stress | co_credit_card_stress | co_ci_stress | credit_stress_index | stress_tier | worst_leg | recession_flag | dq_peak_flag | co_surge_flag | provenance_url |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 93c82d7532852489 | 2026-04-01 | 1991Q1 | 1991-01-01 | USA | 6,05 | 3,1 | 5,26 | 4,12 | 6,29 | 1,46 | 4,18 | 1,48 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | true | false | false | https://www.federalreserve.gov/releases/chargeoff/ |
| 171304b8e0537e2a | 2026-04-01 | 1991Q2 | 1991-04-01 | USA | 6,11 | 3,17 | 5,48 | 4,21 | 6,41 | 1,69 | 4,6 | 1,86 | 0,06 | 0,07 | 0,22 | 0,09 | 0,12 | 0,23 | 0,42 | 0,38 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | false | false | true | https://www.federalreserve.gov/releases/chargeoff/ |
| 1bdcaed2f9db56b8 | 2026-04-01 | 1991Q3 | 1991-07-01 | USA | 5,93 | 3,22 | 5,35 | 4,17 | 6,22 | 1,79 | 4,83 | 1,97 | -0,18 | 0,05 | -0,13 | -0,04 | -0,19 | 0,1 | 0,23 | 0,11 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | false | false | false | https://www.federalreserve.gov/releases/chargeoff/ |
| df10b1eaac571998 | 2026-04-01 | 1991Q4 | 1991-10-01 | USA | 5,78 | 3,28 | 5,32 | 4,1 | 6,03 | 1,52 | 4,59 | 1,83 | -0,15 | 0,06 | -0,03 | -0,07 | -0,19 | -0,27 | -0,24 | -0,14 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | false | false | false | https://www.federalreserve.gov/releases/chargeoff/ |
| 87bdb51e40c4b6d7 | 2026-04-01 | 1992Q1 | 1992-01-01 | USA | 5,51 | 3,13 | 5,27 | 3,96 | 5,76 | 1,51 | 4,91 | 1,95 | -0,27 | -0,15 | -0,05 | -0,14 | -0,27 | -0,01 | 0,32 | 0,12 | -0,54 | 0,03 | 0,01 | -0,16 | -0,53 | 0,05 | 0,73 | 0,47 | — | — | — | — | — | — | — | — | — | — | — | false | false | true | https://www.federalreserve.gov/releases/chargeoff/ |
| 7771382b91b47834 | 2026-04-01 | 1992Q2 | 1992-04-01 | USA | 5,37 | 3,06 | 5,1 | 3,84 | 5,49 | 1,2 | 4,78 | 1,32 | -0,14 | -0,07 | -0,17 | -0,12 | -0,27 | -0,31 | -0,13 | -0,63 | -0,74 | -0,11 | -0,38 | -0,37 | -0,92 | -0,49 | 0,18 | -0,54 | — | — | — | — | — | — | — | — | — | — | — | false | false | false | https://www.federalreserve.gov/releases/chargeoff/ |
| 4189342791400419 | 2026-04-01 | 1992Q3 | 1992-07-01 | USA | 5,16 | 2,89 | 4,98 | 3,71 | 5,25 | 1,41 | 4,34 | 1,43 | -0,21 | -0,17 | -0,12 | -0,13 | -0,24 | 0,21 | -0,44 | 0,11 | -0,77 | -0,33 | -0,37 | -0,46 | -0,97 | -0,38 | -0,49 | -0,54 | — | — | — | — | — | — | — | — | — | — | — | false | false | false | https://www.federalreserve.gov/releases/chargeoff/ |
| 3242556895cdb09a | 2026-04-01 | 1992Q4 | 1992-10-01 | USA | 4,8 | 2,79 | 4,69 | 3,55 | 4,76 | 1,16 | 4,47 | 1,03 | -0,36 | -0,1 | -0,29 | -0,16 | -0,49 | -0,25 | 0,13 | -0,4 | -0,98 | -0,49 | -0,63 | -0,55 | -1,27 | -0,36 | -0,12 | -0,8 | — | — | — | — | — | — | — | — | — | — | — | false | false | false | https://www.federalreserve.gov/releases/chargeoff/ |
| 7a631571e3229432 | 2026-04-01 | 1993Q1 | 1993-01-01 | USA | 4,47 | 2,78 | 4,6 | 3,49 | 4,41 | 1,02 | 4,1 | 0,94 | -0,33 | -0,01 | -0,09 | -0,06 | -0,35 | -0,14 | -0,37 | -0,09 | -1,04 | -0,35 | -0,67 | -0,47 | -1,35 | -0,49 | -0,81 | -1,01 | — | — | — | — | — | — | — | — | — | — | — | false | false | false | https://www.federalreserve.gov/releases/chargeoff/ |
| c15d3816e93dd03c | 2026-04-01 | 1993Q2 | 1993-04-01 | USA | 4,16 | 2,67 | 4,46 | 3,39 | 4,01 | 0,9 | 3,95 | 0,85 | -0,31 | -0,11 | -0,14 | -0,1 | -0,4 | -0,12 | -0,15 | -0,09 | -1,21 | -0,39 | -0,64 | -0,45 | -1,48 | -0,3 | -0,83 | -0,47 | — | — | — | — | — | — | — | — | — | — | — | false | false | false | https://www.federalreserve.gov/releases/chargeoff/ |
Profilé le 1 oct. 2026 à partir de l’instantané 20260930T213307Z-5a5876b1c6d1
Mesuré- Complétude
- 97,4 %
- Lignes
- 142
- Colonnes
- 44
- Colonnes incomplètes
- 27
| Colonne | Manquant | Distinctes | Plage | Distribution |
|---|---|---|---|---|
| row_hashvarchar | 0 % | 137 | — |
|
| as_ofvarchar | 0 % | 1 | — |
|
| quartervarchar | 0 % | 171 | — |
|
| quarter_startvarchar | 0 % | 150 | — |
|
| country_codevarchar | 0 % | 1 | — |
|
| dq_real_estatedouble | 0 % | 106 | 1,19 → 7,35médiane 2,22 | 4 hors du 1er–99e centile |
| dq_sf_mortgagedouble | 0 % | 106 | 1,41 → 11,48médiane 2,34 | 4 hors du 1er–99e centile |
| dq_credit_carddouble | 0 % | 128 | 1,53 → 6,77médiane 3,84 | 4 hors du 1er–99e centile |
| dq_consumerdouble | 0 % | 110 | 1,52 → 4,85médiane 2,95 | 4 hors du 1er–99e centile |
| dq_cidouble | 0 % | 109 | 0,72 → 6,41médiane 1,63 | 4 hors du 1er–99e centile |
| co_real_estatedouble | 0 % | 77 | 0,19 → 3,02médiane 0,605 | 4 hors du 1er–99e centile |
| co_credit_carddouble | 0 % | 118 | 1,63 → 10,54médiane 4,18 | 4 hors du 1er–99e centile |
| co_cidouble | 0 % | 77 | 0,12 → 2,57médiane 0,44 | 2 hors du 1er–99e centile |
| dq_real_estate_qoq_ppdouble | 0,7 % | 50 | -0,51 → 1médiane -0,03 | 4 hors du 1er–99e centile |
| dq_sf_mortgage_qoq_ppdouble | 0,7 % | 72 | -0,66 → 1,39médiane -0,04 | 4 hors du 1er–99e centile |
| dq_credit_card_qoq_ppdouble | 0,7 % | 49 | -0,68 → 0,87médiane -0,02 | 4 hors du 1er–99e centile |
| dq_consumer_qoq_ppdouble | 0,7 % | 43 | -0,47 → 0,56médiane -0,02 | 4 hors du 1er–99e centile |
| dq_ci_qoq_ppdouble | 0,7 % | 63 | -0,56 → 0,77médiane -0,04 | 4 hors du 1er–99e centile |
| co_real_estate_qoq_ppdouble | 0,7 % | 44 | -0,37 → 0,64médiane 0 | 3 hors du 1er–99e centile |
| co_credit_card_qoq_ppdouble | 0,7 % | 90 | -2,92 → 1,74médiane 0 | 4 hors du 1er–99e centile |
| co_ci_qoq_ppdouble | 0,7 % | 48 | -0,92 → 0,67médiane 0,01 | 4 hors du 1er–99e centile |
| dq_real_estate_yoy_ppdouble | 2,8 % | 90 | -1,44 → 3,18médiane -0,15 | 3 hors du 1er–99e centile |
| dq_sf_mortgage_yoy_ppdouble | 2,8 % | 93 | -1,95 → 4,31médiane -0,13 | 4 hors du 1er–99e centile |
| dq_credit_card_yoy_ppdouble | 2,8 % | 104 | -2,19 → 1,87médiane -0,07 | 4 hors du 1er–99e centile |
| dq_consumer_yoy_ppdouble | 2,8 % | 92 | -1,29 → 1,29médiane -0,025 | 4 hors du 1er–99e centile |
| dq_ci_yoy_ppdouble | 2,8 % | 87 | -1,71 → 2,62médiane -0,11 | 4 hors du 1er–99e centile |
| co_real_estate_yoy_ppdouble | 2,8 % | 75 | -1,21 → 1,43médiane -0,01 | 4 hors du 1er–99e centile |
| co_credit_card_yoy_ppdouble | 2,8 % | 126 | -5,12 → 4,45médiane -0,12 | 4 hors du 1er–99e centile |
| co_ci_yoy_ppdouble | 2,8 % | 76 | -1,01 → 1,59médiane 0,01 | 3 hors du 1er–99e centile |
| dq_real_estate_stressdouble | 7,7 % | 59 | 0 → 100médiane 15,38 | |
| dq_sf_mortgage_stressdouble | 7,7 % | 56 | 0 → 100médiane 19,44 | |
| dq_credit_card_stressdouble | 7,7 % | 66 | 0 → 100médiane 40 | |
| dq_consumer_stressdouble | 7,7 % | 76 | 0 → 100médiane 37,18 | |
| dq_ci_stressdouble | 7,7 % | 67 | 0 → 100médiane 33,33 | 2 hors du 1er–99e centile |
| co_real_estate_stressdouble | 7,7 % | 71 | 0 → 100médiane 40 | |
| co_credit_card_stressdouble | 7,7 % | 68 | 0 → 100médiane 48,72 | |
| co_ci_stressdouble | 7,7 % | 81 | 0 → 100médiane 43,59 | |
| credit_stress_indexdouble | 7,7 % | 133 | 0 → 99,08médiane 36,2 | 2 hors du 1er–99e centile |
| stress_tiervarchar | 7,7 % | 4 | — |
|
| worst_legvarchar | 7,7 % | 7 | — |
|
| recession_flagboolean | 0 % | 2 | — |
|
| dq_peak_flagboolean | 0 % | 2 | — |
|
| co_surge_flagboolean | 0 % | 2 | — |
|
| provenance_urlvarchar | 0 % | 1 | — |
|
- Actuelle
20260930T213307Z-5a5876b1c6d1 · sha256 5a5876b1c6d1…
142 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
curl "https://datazimuts.com/v1/datasets/us_bank_credit_stress_intel/us_bank_credit_stress_quarterly" | jq '{title, rows, columns_count, license}'Python
import requests
ds = requests.get("https://datazimuts.com/v1/datasets/us_bank_credit_stress_intel/us_bank_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/us_bank_credit_stress_intel/us_bank_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 20260930T213307Z-5a5876b1c6d1 et à son empreinte, pour que vos lecteurs obtiennent exactement les données utilisées.
APA
US Bank Credit-Stress Intelligence. (2026). US bank credit-stress panel (quarterly) [Data set, snapshot 20260930T213307Z-5a5876b1c6d1, sha256 5a5876b1c6d1]. Datazimuts. Retrieved 2026-10-01, from https://datazimuts.com/fr/datasets/us_bank_credit_stress_intel/us_bank_credit_stress_quarterly?snapshot=20260930T213307Z-5a5876b1c6d1
BibTeX
@misc{dz_us_bank_credit_stress_intel_us_bank_cred_5a5876b1,
title = {{US bank credit-stress panel (quarterly)}},
author = {{US Bank Credit-Stress Intelligence}},
year = {2026},
publisher = {Datazimuts},
howpublished = {\url{https://datazimuts.com/fr/datasets/us_bank_credit_stress_intel/us_bank_credit_stress_quarterly?snapshot=20260930T213307Z-5a5876b1c6d1}},
note = {Snapshot 20260930T213307Z-5a5876b1c6d1, sha256 5a5876b1c6d1596d6a8ead25cf32f44b665be37585acd206e19d5f1f7a31633b; accessed 2026-10-01}
}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.
HTML
<iframe src="https://datazimuts.com/embed/chart?dataset=us_bank_credit_stress_intel%2Fus_bank_credit_stress_quarterly&lang=fr&theme=auto&snapshot=20260930T213307Z-5a5876b1c6d1&x=row_hash&y=dq_real_estate&agg=avg" title="US bank credit-stress panel (quarterly)" width="100%" height="380" style="border:0" loading="lazy"></iframe>
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