Credit & Lending

Bank lending, consumer credit, and delinquency rates. All metrics are pure actuals — SLOOS (opinion survey) is shown for context only.

Pure Actuals — No Survey Counterpart

These metrics have no directly comparable survey-based counterpart measuring the same variable in the same units. Shown individually with signal assessment only.

FRED · weeklyActual
Commercial Bank Loans (H.8)
Source →
7.0%+3.8pp vs year agoPositive signal

Federal Reserve weekly report on actual assets and liabilities of all commercial banks. Real balance sheet data.

Latest data: Mar 25, 2026Fetched: Apr 8, 2026
FRED · monthlyActual
Consumer Credit Outstanding
Source →
3.2%+4.3pp vs year agoPositive signal

Fed G.19 report — actual outstanding consumer credit from financial institutions.

Latest data: Feb 1, 2026Fetched: Apr 8, 2026
FRED · quarterlyActual
Credit Card Delinquency Rate
Source →
2.9%-0.1pp YoYPositive signal

Actual delinquency rates reported by commercial banks. Real defaults — consumers actually failing to pay.

Latest data: Oct 1, 2025Fetched: Apr 8, 2026

Context: What Surveys Say

Not directly comparable to the metrics above. These surveys measure sentiment or opinions, not the same variable as the actual data shown in previous sections.
FRED · quarterlySurvey
SLOOS Lending Standards
Source →
5.3%-0.9pp YoYPositive signal

Quarterly survey of 80 banks asking subjective questions about whether they are tightening or loosening. H.8 data (above) measures actual lending volumes in percent growth YoY — a fundamentally different variable (opinion diffusion index vs. volume growth rate).

Latest data: Jan 1, 2026Fetched: Apr 8, 2026
Methodology
Reported (Left column) = official surveys, models, and lagged indices. Subject to revision and sampling error. Sources: BLS (CES/CPS surveys), Conference Board, University of Michigan, S&P CoreLogic.
Real (Right column) = actual counted transactions, filings, and real-time measurements. No estimation. Sources: ADP payroll data, Zillow listings, TSA checkpoint counts, AAR carloads, FRED transactional series.
Pairing rule: Only metrics measuring the same variable in the same units are paired side-by-side. Metrics without a true survey counterpart are shown in the “Pure Actuals” section without comparison banners.
YoY calculation: All year-over-year changes compare the latest available value to the value closest to 12 months prior, using identical methodology on both sides.
Last refreshed: 8 Apr 2026, 17:19 UTC — auto-refreshes daily at 06:00 UTC