How credit is holding up
Credit card charge-offs
Lending conditions and realized bank losses. Positive survey standards mean net tightening; positive demand means net strengthening. Neither is a corporate-bond default rate.
Latest collected observation
3.82 %
Observation period: 2026Q2
At collection: current
Last collection · 28 Sep 2026, 12:00 UTC
These are dated observations. This page does not stream live market data.
Since the previous collection
The displayed value and observation period are unchanged from the collection on 2026-09-27.
A new period advances the comparison window. A revision changes an existing period.
Source history
percent, annualized net charge-offs
2026Q2 · 3.82
Latest 24 source observations in this collection. Points are spaced by observation, not elapsed time. Missing values remain gaps. History may include revisions; it does not recreate what was known at each date.
Inspect the exact values
| Period | Value |
|---|---|
| 2026Q2 | 3.82 |
| 2026Q1 | 3.82 |
| 2025Q4 | 4.09 |
| 2025Q3 | 4.18 |
| 2025Q2 | 4.19 |
| 2025Q1 | 4.44 |
| 2024Q4 | 4.57 |
| 2024Q3 | 4.69 |
| 2024Q2 | 4.56 |
| 2024Q1 | 4.4 |
| 2023Q4 | 4.18 |
| 2023Q3 | 3.76 |
| 2023Q2 | 3.23 |
| 2023Q1 | 2.86 |
| 2022Q4 | 2.51 |
| 2022Q3 | 2.1 |
| 2022Q2 | 1.86 |
| 2022Q1 | 1.73 |
| 2021Q4 | 1.63 |
| 2021Q3 | 1.81 |
| 2021Q2 | 2.38 |
| 2021Q1 | 2.81 |
| 2020Q4 | 2.68 |
| 2020Q3 | 3.6 |
- Source unit
- percent, annualized net charge-offs
- Collected
- 2026-09-28 12:00:03.058 UTC
- Source release / update
- 2026-08-25
- Instrument
- US_BANK_CARD_CHARGE_OFF
Survey quarters and bank reporting quarters differ. Charge-offs are annualized and net of recoveries; delinquency rates are not annualized.