Accessible Version

Estimating Retail Credit in the U.S., Accessible Data

Figure 1: Retail Credit Perspectives
  Billions of dollars
Credit Type Non-Revolving 12.45
Revolving 117.67
Sector Automotive Parts 1.93
Clothing Stores 4.32
Contractors 11.70
Department Stores 29.11
Sales Finance Cos. 44.66
Personal Loan Cos. 16.22
Miscellaneous Cos. 4.39
Home Furnishings 13.07
Jewelry & Cameras 3.37
Oil Companies 0.65
Sporting Goods 0.70

Note: Key identifies in order from top to bottom. This figure shows retail credit balances by type of credit and sector expenditure and finance company type.

Source: Federal Reserve Bank of New York Consumer Credit Panel (CCP)/Equifax.

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Figure 2: Retail Credit by Credit Risk Group

Billions of dollars (real)

Quarterly NearPrime Prime Subprime
3/1/2005 63.12 42.10 64.66
6/1/2005 61.91 42.98 58.82
9/1/2005 62.42 44.37 60.46
12/1/2005 64.65 48.38 60.98
3/1/2006 64.84 46.14 60.83
6/1/2006 63.58 46.79 59.05
9/1/2006 62.20 46.42 58.53
12/1/2006 62.12 50.06 56.28
3/1/2007 61.37 46.02 56.66
6/1/2007 65.57 49.20 61.10
9/1/2007 66.71 50.32 63.55
12/1/2007 67.58 54.01 64.98
3/1/2008 67.19 51.27 65.67
6/1/2008 64.52 50.72 64.07
9/1/2008 63.98 48.17 64.62
12/1/2008 64.42 50.50 68.38
3/1/2009 65.32 50.79 72.62
6/1/2009 62.39 49.54 66.11
9/1/2009 60.72 48.57 64.71
12/1/2009 59.77 50.89 62.85
3/1/2010 57.72 47.00 60.04
6/1/2010 55.87 45.73 56.10
9/1/2010 55.05 44.94 54.19
12/1/2010 56.64 48.55 51.87
3/1/2011 53.94 44.20 47.63
6/1/2011 51.15 41.47 43.46
9/1/2011 51.91 41.89 43.92
12/1/2011 54.21 44.90 44.49
3/1/2012 53.81 40.94 42.98
6/1/2012 54.01 42.60 41.73
9/1/2012 54.73 42.30 40.55
12/1/2012 57.32 45.57 41.65
3/1/2013 56.27 42.01 40.40
6/1/2013 52.10 40.52 35.56
9/1/2013 51.45 38.93 36.19
12/1/2013 56.53 45.12 39.19
3/1/2014 55.56 41.69 37.70
6/1/2014 55.65 42.55 36.22
9/1/2014 56.62 42.56 37.40
12/1/2014 60.19 47.03 40.65
3/1/2015 58.95 43.16 39.58
6/1/2015 59.21 44.04 39.93
9/1/2015 59.77 44.30 42.38
12/1/2015 59.67 45.64 43.06
3/1/2016 61.68 44.77 45.21
6/1/2016 61.86 45.61 45.07
9/1/2016 61.97 45.55 47.00
12/1/2016 64.03 48.72 48.71
3/1/2017 63.25 47.08 48.15
6/1/2017 62.82 48.10 47.98
9/1/2017 62.16 47.57 48.25
12/1/2017 64.09 50.61 50.19
3/1/2018 62.85 47.87 47.54
6/1/2018 62.41 49.52 46.11
9/1/2018 61.92 49.54 46.92
12/1/2018 63.82 52.63 48.36
3/1/2019 61.39 49.26 47.41
6/1/2019 60.90 50.53 46.10
9/1/2019 60.93 51.21 46.34
12/1/2019 60.32 54.07 47.46
3/1/2020 57.45 49.39 45.24
6/1/2020 55.22 47.16 41.04
9/1/2020 54.47 47.62 38.36
12/1/2020 56.45 51.02 38.50
3/1/2021 53.37 47.77 35.15
6/1/2021 51.97 48.72 32.04
9/1/2021 51.43 47.74 31.71
12/1/2021 52.34 50.69 32.93
3/1/2022 49.45 47.07 32.10
6/1/2022 48.54 47.22 31.95
9/1/2022 48.29 47.66 32.48
12/1/2022 48.80 49.80 33.19
3/1/2023 49.23 48.36 35.30
6/1/2023 49.56 49.85 34.54
9/1/2023 49.26 49.98 35.96
12/1/2023 49.97 52.36 37.47

Note: This figure shows retail credit balances by credit risk group. Near prime are borrowers with Equifax Risk Scores between 620 and 719, while prime are borrowers with Equifax Risk Scores greater than 719.

Source: Federal Reserve Bank of New York Consumer Credit Panel (CCP)/Equifax.

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Last Update: June 21, 2024