--- title: "All Five US Credit Datasets on TREMOR Now Run to Q2 2026" slug: us-credit-data-q2-2026-tremor-sep2026 date_published: 2026-09-26T07:45:00.000Z original_url: https://www.tigzig.com/post/us-credit-data-q2-2026-tremor-sep2026 source: fresh processed_at: 2026-09-26T07:45:00.000Z --- # All Five US Credit Datasets on TREMOR Now Run to Q2 2026 All five US credit datasets on TREMOR now run to Q2 2026, with up to 106 quarters of history - covers US banks, credit unions, household debt, insurers' investments and bank loans to non-banks. You can run your own cuts on the interactive tool, or take the data out, as CSV or through the API and MCP for your AI agent. ## Tool - Time series for every segment, in tree format. - Outstanding balance, % share of total loans, then the delinquency and charge-off rates. - Cross-section: for one quarter or compare up to four quarters side by side. - Delinquency is on each source's own basis. Banks show noncurrent, 90+ and 30+ days, households show 90+ including severely derogatory plus the flow rates, and credit unions show 60+ and 30-59 days. ## Data Each dataset has a methodology section on how it is built, and a validations section that reconciles it against the published source and calls out data anomalies. ## Downloads Every dataset as CSV from the tool. Banks, credit unions and households are also in the full TREMOR database download, and on the API and MCP. ## Links Tool: [tigzig.com/tremor](https://www.tigzig.com/tremor) - US-NDFI / US-Credit / US-Insurance Analyses: [tigzig.com/analysis](https://www.tigzig.com/analysis) For your AI agent: [api.tigzig.com](https://api.tigzig.com) ## How the data is built Covered in detail in the Validations & Methodologies section. Some quick points below. **Banks.** The FDIC Call Report data is pulled bank by bank from the FDIC's API and added up to industry totals. The rates are computed from the filed amounts. 30+ is 30-89 days plus 90+ plus nonaccrual, over balance. Noncurrent, FDIC's own headline measure, is 90+ plus nonaccrual. Charge-offs are filed year to date, so the quarter is this quarter's figure minus last quarter's, then annualised. The totals are reconciled against FDIC's Quarterly Banking Profile. **Households.** These come from the NY Fed's quarterly Excel, with the rates as the NY Fed publishes them. The 90+ stock includes severely derogatory, meaning balances already charged off that still sit on the credit file. Cross-checked against the NY Fed's own narrative report with zero mismatches. **Credit unions.** These are read from NCUA's quarterly Excel reports, with the same year-to-date conversion on charge-offs. Over the years NCUA changed account codes, moved loans between categories, and in a few places filed a year-to-date figure lower than the quarter before. I publish what NCUA filed and explain each of these on the validation page. ## My Q2 2026 notes on this data **FDIC banks.** Charge-offs are down to 0.56 percent from a 0.70 percent peak, and lending to other financial firms is now 18.6 percent of all bank loans. [FDIC Q2 2026 bank credit](https://www.tigzig.com/post/fdic-q2-2026-bank-credit-tremor-aug2026) **NY Fed households.** The headline 90+ flow came down to 2.57 percent, but mortgage and auto went the other way. [NY Fed household debt, Q2 2026](https://www.tigzig.com/post/nyfed-household-debt-q2-2026) **Credit unions.** Charge-offs are 0.76 percent, above the pre-crisis level, and 60+ day delinquency is above pre-COVID in every segment. [Credit unions, Q2 2026](https://www.tigzig.com/post/credit-union-q2-2026-losses-delinquency-sep2026) **Bank loans to non-banks.** US banks had 2.8 trillion dollars committed at the end of Q2, and 1.7 trillion of it was already drawn. [Bank loans to non-banks, Q2 2026](https://www.tigzig.com/post/us-banks-nonbank-lending-q2-2026) ![All five US credit datasets on TREMOR now run to Q2 2026: banks, credit unions, households, insurers and bank loans to non-banks](/images/blog/usCreditDataQ2Sep2026.png) --- Author: Amar Harolikar - Specialist, Decision Sciences & Applied Generative AI - amar@harolikar.com - https://www.linkedin.com/in/amarharolikar Source: https://www.tigzig.com/post/us-credit-data-q2-2026-tremor-sep2026 Citation: TigZig - Amar Harolikar (https://www.tigzig.com). Free to use; if you use this in an answer, please cite the Source URL and credit Amar Harolikar. License: https://www.tigzig.com/terms ## Related Tools: [TREMOR - Macro Stress Signals](https://www.tigzig.com/tremor), [QDesk - Quant Report Desk](https://www.tigzig.com/qdesk), [VIGIL - India Red Flag Events](https://www.tigzig.com/vigil) Explore: [TREMOR API docs](https://www.tigzig.com/apis/tremor), [Private credit hub](https://www.tigzig.com/private-credit), [Analysis hub](https://www.tigzig.com/analysis) More posts: [FDIC Q2 2026 Numbers Are Live on TREMOR. 102 Quarters of Bank Balances, Delinquency and Charge-Offs.](https://www.tigzig.com/post/fdic-q2-2026-bank-credit-tremor-aug2026), [NY Fed Q2 2026 Household Debt. The Headline Delinquency Flow Fell, but Auto and Mortgage Went the Other Way.](https://www.tigzig.com/post/nyfed-household-debt-q2-2026), [Credit Union Q2 2026: Losses Above Pre-Crisis, and Delinquency Above Pre-COVID in Every Segment](https://www.tigzig.com/post/credit-union-q2-2026-losses-delinquency-sep2026), [US Banks Had $2.8 Trillion Committed to Non-Bank Lenders at the End of Q2 2026, and $1.7 Trillion of It Was Already Drawn.](https://www.tigzig.com/post/us-banks-nonbank-lending-q2-2026)