Releasing 'US-CREDIT'. For Analysts Tracking US Banking. Interactive Tool Covering FDIC SDI Sector-Level Aggregates and NY Fed CCP.
Published: April 20, 2026
Data covers 25 years, 100 quarters. $13.6T in bank loans across 4,400+ FDIC-insured institutions. $18.8T in consumer debt across banks + credit unions + fintech + non-bank lenders.
tremor.tigzig.com ➔ US Credit
Run your own cuts across segments, delinquency buckets, charge-offs. Validated against FDIC's own Quarterly Banking Profile - 100 quarters reconciled.
Consumer NCO rate at 2.90% has now exceeded the Q4 2007 pre-GFC level (2.74%). Student and Auto 90+DPD beyond GFC peak. Overall banking system net charge-offs at 0.61%. Past pre-GFC levels. Is the stress isolated to consumer, or is it leading the cycle? The data is here. Explore it yourself.
What you can do:
- Loan balances and delinquency across 18 FDIC segments - Total, RE (Construction, CRE, Multifamily, 1-4 Family, Farmland), C&I, Consumer (CC, Auto, Other), and more
- 30+ DPD (PDNA), Noncurrent (90+ DPD + Nonaccrual), and Net Charge-Off rates - annualized, pre-computed quarterly from YTD
- NY Fed consumer view - Mortgage, HELOC, Auto, CC, Student Loans, Other. 90+ DPD stock, 30+ and 90+ DPD flow rates
- FICO origination bands - Mortgage and Auto by credit score (<620 to 760+) since 2003
- Debt by age group - 18-29 to 70+, quarterly since 2003
- FDIC QBP recon - with recon dashboard, variances, explanations
- Full methodology with FDIC field codes (LNLSGR, P3, P9, NA, NT) and NY Fed Consumer Credit Panel definitions
- CSV download - both datasets with field descriptions
Bank-side (FDIC SDI) vs consumer-side (NY Fed Consumer Credit Panel / Equifax). NY Fed captures fintech, non-bank lenders, and severely derogatory charge-offs that FDIC data excludes.
Plus: Research deck - "The Disbelief Rally. 'No Systemic Risk' Meets the Data"
"No signs of distress...losses are manageable...the consumer is fine." The data shows otherwise. Check it yourself.
tremor.tigzig.com ➔ US Credit
Full Deck Content (Text Format)
Text below was extracted from the source deck. Chart visuals stay in the PDF and as slide images above the post.
FDIC Q1 2026 - Bank NCO by Segment
TIGZIG · US BANKS
FDIC Q1 2026 · Net charge-offs by segment
Banks holding the line .. but the ‘lemons’ sit off the chart.
Net charge-off rate (annualized) for US bank loans. Total at 0.58% sits right at pre-GFC. Consumer (15% of loans) has already crossed pre-GFC and is trending up. C&I has nudged just past. Real Estate and Other well below.
Total loans & leases
$13.83T · 100%
GFC peak
2.89%
Pre-GFC
0.56%
Q1'26
0.58%
Private credit stress doesn't show up here. Mark-to-market hits P&L directly · does not flow through to NCO numbers.
NY Fed consumer delinquencies have already broken pre-GFC. The weakest paper sits at credit unions and non-bank lenders.
Consumer
$2.05T · 15%
GFC peak
6.64%
Pre-GFC
2.47%
Q1'26
2.87%
Commercial & Industrial
$2.57T · 19%
GFC peak
2.69%
Pre-GFC
0.46%
Q1'26
0.52%
Segment Balance · share GFC peak Pre-GFC Q1'26
Real Estate $6.16T · 45% 2.50% 0.22% 0.05%
All Other* $3.05T · 22% 1.41% 0.24% 0.14%
Q1 2026 numbers now live
tigzig.com → Tremor → US Credit
Bank loss & delinquency (FDIC) · consumer credit (NY Fed / Equifax) · available via UI with customizable charts, API, and MCP for AI agents.
Source: FDIC quarterly bank aggregates (SDI / Call Reports), NSA, served via Tremor. · Pre-GFC reference: Q3 2007. · * All Other = agri loans, lease financing, all other loans, depository institutions, foreign gov't, state & local gov't.
Amar Harolikar · Decision Sciences & Applied AI
tigzig.com· tools for analytics, quants and macro signals