Delinquency Rate of Student Loans since 2003

Delinquency Rate of Student Loans since 2003 The delinquency rate of student loans is higher than credit card delinquency, auto loans and mortgages. The main reason is that the interest rate on student loans can be very high. Picture source: Federal Reserve Bank of New York

The Credit Cycle Is Leading the Economic Cycle

The Credit Cycle Is Leading the Economic Cycle This great chart shows that an economic slowdows risk is rising. When delinquency rates on consumer loans reach a low, there’s a high probability of a recession on the horizon. Picture source: Deutsche Bank

Why the US Banking System Is Divided in Two Groups?

Why the US Banking System Is Divided in Two Groups? The delinquency rate on credit-card loans at all commercial banks is very low, whereas the delinquency rate on credit-card loans is high only at commercial banks other than the 100 largest banks. The US banking system is divided in two groups: small banks accept high…