2025美国纽约联储的报告-美联储_46页_2mb

Summary of Household Debt and Credit Developments in 2024Q4

Balance Increases

Total household debt balances increased by $93 billion3, or 0.5% over the fourth quarter, reaching $18.04 trillion since the start of 2019.

• Mortgage balances grew by $11 billion to $12.61 trillion.
• Home equity lines of credit (HELOC) balances increased by $9 billion, marking eleven consecutive quarterly increases.
• Credit card balances rose by $45 billion, driven by delta-adds, reaching $1.21 trillion.
• Auto loan balances increased by $11 billion to $1.66 trillion.
• Student loan balances rose by $9 billion to $1.62 trillion.
• Non-housing balances grew by $73 billion, up 1.5%.

Originations and Limits

• Mortgage originations increased slightly, with $465 billion newly originated.
• HELOC limits continued to rise by $8 billion.
• The credit quality of newly originated auto loans and mortgages was mostly steady, but auto loans saw deterioration in some cases.

Delinquency and Public Records

• Aggregate delinquency rates edged up slightly to 3.6%, following a slight increase in the number of new foreclosures and bankruptcies.
• Credit card balances showed a small uptick in delinquency rates.
• Transitions into serious delinquency increased for auto loans and credit cards.
• About 123,000 consumers had new bankruptcies noted.
• The percentage of consumers with third-party collections remained stable at 4.6%.

Housing and Student Loans

• Mortgage balances reached $12.61 trillion, with minor growth in originations.
• Student loan balances, unaffected by the reporting period due to lack of public data, stood at $1.62 trillion, with no reported delinquency in prior periods but changes expected in future quarters.

Data and Methodology

• The report is based on a 5% random sample from the FRBNY Consumer Credit Panel, aligned with Equifax data.
• All statistics account for joint loan balances and utilize a subset for efficiency while maintaining coherence.