Observations

Q1 2026: 5.20

Updated: Jul 13, 2026 2:38 PM CDT

Units:

Percent,

Not Seasonally Adjusted

Frequency:

Quarterly,

End of Quarter

Notes

Title	Release Dates

Large Bank Consumer Credit Card Balances: Net Charge-Off Rate	2025-07-08	2026-07-13

Source

Federal Reserve Bank of Philadelphia	2025-07-08	2026-07-13

Release

FR Y-14M Large Bank Credit Card and Mortgage Data	2025-07-08	2026-07-13

Units

Percent	2025-07-08	2026-07-13

Frequency

Quarterly, End of Quarter	2025-07-08	2026-07-13

Seasonal Adjustment

Not Seasonally Adjusted	2025-07-08	2026-07-13

Notes

The annualized net charge-off rate for all credit card accounts. Net charge-offs refer to the three-month sum of gross charge-offs less recoveries. The annualized net charge-off rate is calculated as four times the total quarterly net charge-offs divided by the three-month average for total outstanding credit card balances. For more detail see the methodology (https://sc103-philfed-prod-cm.sitecore-prod-ase4.appserviceenvironment.net/surveys-and-data/y14-methodology).	2025-07-08	2026-07-13

Large Bank Consumer Credit Card Balances: Net Charge-Off Rate (RCCCBNCOPCT)