Consumer Finances
Debt Service Ratio
11.3%
as of 4Q25
Savings Rate
4.0%
as of 1Q26
CC Delinquency
2.9%
as of 4Q25
Mortgage Delinquency
1.8%
as of 4Q25
Consumer Sentiment
56.6
as of Feb 2026
Real Income YoY
1.1%
as of Feb 2026
Consumer Credit
$5.1T
as of Feb 2026
CC Debt (Revolving)
$1.3T
as of Feb 2026
Household Debt Service Ratio
Debt payments as % of disposable personal income, SA
Source: Federal Reserve Board of Governors · Latest: 4Q25
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Loan Delinquency Rates
% of balance delinquent 30+ days, all commercial banks
Source: Federal Reserve Board of Governors, H.8 release · Latest: 4Q25
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PCE Spending Composition
Services, nondurables, and durables as % of total PCE, monthly
Source: BEA via FRED · Latest: Feb 2026
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Consumer Credit Growth
Year-over-year % change, monthly
Source: Federal Reserve G.19 release · Latest: Feb 2026
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Consumer Credit Outstanding
Total vs. revolving (credit card) debt, monthly
Source: Federal Reserve G.19 release · Latest: Feb 2026
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Data from FRED (Federal Reserve Bank of St. Louis). Debt service and delinquency rates are quarterly; PCE, credit, income, and sentiment data are monthly.