The Consumer Credit Explorer, updated through Q2 2026, shows climbing delinquency rates — nearly 14 percent for credit card borrowers, over 9 percent for auto borrowers (a 20-year high), and over 13 percent for student loan borrowers.
Some regions show greater financial stress. Nearly 20 percent of credit card borrowers in the Vineland, NJ, metro area have severely delinquent debt, 6 points above the national average. Over 10 percent of Delaware’s auto borrowers carry severely delinquent debt, 1 point higher than the national average.
Explore the Philadelphia Fed’s Consumer Credit Explorer for detailed insights into U.S. credit and debt conditions at national, state, and regional levels.
Explore the Consumer Credit Tool!