Consumer credit bears watching — debt loads are creeping up.

Credit-Card Delinquency Rate

Card delinq.: 2.92% — Credit-card delinquencies are at 2.9%, creeping up off their lows. That’s the 31st percentile of all its readings since 1991.

How we score this: ok below 2.50% · watch 2.50% to 4.00% · elevated 4.00% to 6.00% · alert 6.00% and up full method

Card delinq.: down 7 readings in a row.

Consumer-Loan Delinquency Rate

Loan delinq.: 2.64% — Consumer-loan delinquencies are at 2.6%, creeping up off their lows. That’s the 29th percentile of all its readings since 1987.

How we score this: ok below 2.50% · watch 2.50% to 3.50% · elevated 3.50% to 4.50% · alert 4.50% and up full method

Card Balances · year-over-year

Card balances: 3.42% — Card balances are growing 3.4% a year — a sustainable pace. That’s the 22nd percentile of all its readings since 1969.

How we score this: ok below 8.00% · watch 8.00% to 12.00% · elevated 12.00% and up full method

Household Debt Service · % of income

Debt service: 11.16% — Debt payments take 11.2% of household income — above the comfortable range. That’s the 25th percentile of all its readings since 2005.

How we score this: ok below 10.50% · watch 10.50% to 12.00% · elevated 12.00% to 13.00% · alert 13.00% and up full method

New-Car Loan Rate · 48-month

Auto loan rate: 7.47% — The average new-car loan rate is 7.5%, little changed from a year ago. That’s the 35th percentile of all its readings since 1972.

Why it isn’t scored: A retail borrowing rate shown for context — the scored consumer-stress reads here are delinquencies, balances, and debt service.