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Lender stress
Three public records about the same consumer lenders, next to each other: card and auto loan delinquencies at their banks (FDIC), monthly card charge-offs and late payments (SEC filings), and customer complaints (CFPB). Each keeps its own source and date. They are not combined into a score.
The three records are reported separately and measure different things. Showing them together does not mean one explains another. Information, not investment advice.
Listed consumer lenders
| Net charge-offs on card loans, annualized, from the issuer's monthly 8-K. The issuer defines the loans it counts; the definition is on the lender's page. | Card loans 30 or more days past due, as a percent of loans at month end, from the issuer's monthly 8-K. | Credit card loans of the lender's US bank subsidiaries that are 30 or more days past due, as a percent of those loans, from FDIC call reports. Bank subsidiaries only. | Auto loans of the lender's US bank subsidiaries that are 30 or more days past due, as a percent of those loans, from FDIC call reports. Bank subsidiaries only. | Complaints to the CFPB about the company in the latest three complete months, all products. Unverified, and they grow with a company's customer count. | Change in complaints against the same three months a year earlier. Shown only when that earlier window had at least 50 complaints. | |
|---|---|---|---|---|---|---|
| Ally Financial Inc. ALLY | — | — | — | 4.12% Q2 2026 | 1,368 Jul–Sep 2026 | -5.9% vs Jul–Sep 2025 |
| American Express Company AXP | 1.5% Sep 2026 | 1.2% Sep 2026 | 0.79% Q2 2026 | — | 2,775 Jul–Sep 2026 | +7.4% vs Jul–Sep 2025 |
| Arrow Financial Corporation AROW | — | — | — | 1.45% Q2 2026 | — | — |
| Associated Banc-Corp ASB | — | — | 1.85% Q2 2026 | 0.50% Q2 2026 | 37 Jul–Sep 2026 | — |
| Bank of America Corporation BAC | pool only | pool only | 2.23% Q2 2026 | 0.64% Q2 2026 | 6,109 Jul–Sep 2026 | +23.3% vs Jul–Sep 2025 |
| Barclays PLC BCS | pool only | pool only | — | — | 1,255 Jul–Sep 2026 | -0.6% vs Jul–Sep 2025 |
| Bread Financial Holdings, Inc. BFH | 6.69% Oct 2026 | 5.64% Oct 2026 | — | — | 2,126 Jul–Sep 2026 | -8.5% vs Jul–Sep 2025 |
| Capital One Financial Corporation COF | 3.66% Sep 2026 | 3.74% Sep 2026 | 3.90% Q2 2026 | 4.32% Q2 2026 | 9,475 Jul–Sep 2026 | -3.9% vs Jul–Sep 2025 |
| Citigroup, Inc. C | pool only | pool only | 2.58% Q2 2026 | — | 6,166 Jul–Sep 2026 | +24.8% vs Jul–Sep 2025 |
| Citizens Financial Group, Inc. CFG | — | — | 1.10% Q2 2026 | 3.82% Q2 2026 | 543 Jul–Sep 2026 | +8.0% vs Jul–Sep 2025 |
| Commerce Bancshares, Inc. CBSH | — | — | 2.61% Q2 2026 | 1.19% Q2 2026 | — | — |
| Community Financial System, Inc. CBU | — | — | — | 1.08% Q2 2026 | — | — |
| Discover Financial Services not listed | 5.04% Apr 2025 · ended Apr 2025 | 3.5% Apr 2025 · ended Apr 2025 | — | — | — | — |
| Fifth Third Bancorp FITB | — | — | 1.84% Q2 2026 | 0.54% Q2 2026 | — | — |
| First BanCorp. FBP | — | — | 4.15% Q2 2026 | 3.37% Q2 2026 | — | — |
| First Citizens BancShares, Inc. FCNCA | — | — | 1.77% Q2 2026 | 1.03% Q2 2026 | 81 Jul–Sep 2026 | — |
| First Commonwealth Financial Corporation FCF | — | — | 0.96% Q2 2026 | 0.55% Q2 2026 | — | — |
| Goldman Sachs Group, Inc. GS | — | — | 3.67% Q2 2026 | 0.00% Q2 2026 | 1,483 Jul–Sep 2026 | +18.1% vs Jul–Sep 2025 |
| Huntington Bancshares Incorporated HBAN | — | — | 1.48% Q2 2026 | 1.12% Q2 2026 | — | — |
| JPMorgan Chase & Co. JPM | pool only | pool only | 1.85% Q2 2026 | 1.03% Q2 2026 | 6,622 Jul–Sep 2026 | +6.5% vs Jul–Sep 2025 |
| M&T Bank Corporation MTB | — | — | 2.66% Q2 2026 | 1.21% Q2 2026 | 425 Jul–Sep 2026 | +49.1% vs Jul–Sep 2025 |
| NBT Bancorp Inc. NBTB | — | — | — | 1.04% Q2 2026 | — | — |
| OFG Bancorp OFG | — | — | 2.54% Q2 2026 | 6.06% Q2 2026 | — | — |
| Old National Bancorp ONB | — | — | — | 0.85% Q2 2026 | — | — |
| Park National Corporation PRK | — | — | — | 0.54% Q2 2026 | — | — |
| PNC Financial Services Group, Inc. PNC | — | — | 1.83% Q2 2026 | 0.49% Q2 2026 | 1,073 Jul–Sep 2026 | +30.9% vs Jul–Sep 2025 |
| Popular, Inc. BPOP | — | — | 3.63% Q2 2026 | 0.50% Q2 2026 | — | — |
| Regions Financial Corporation RF | — | — | 2.74% Q2 2026 | 1.15% Q2 2026 | 332 Jul–Sep 2026 | +17.3% vs Jul–Sep 2025 |
| Synchrony Financial SYF | 4.4% Oct 2026 | 4.4% Oct 2026 | 4.28% Q2 2026 | — | 3,831 Jul–Sep 2026 | +8.8% vs Jul–Sep 2025 |
| Truist Financial Corporation TFC | — | — | 2.74% Q2 2026 | 2.02% Q2 2026 | 1,509 Jul–Sep 2026 | +15.3% vs Jul–Sep 2025 |
| U.S. Bancorp USB | — | — | 2.24% Q2 2026 | 1.02% Q2 2026 | 1,863 Jul–Sep 2026 | +30.2% vs Jul–Sep 2025 |
| Valley National Bancorp VLY | — | — | — | 0.67% Q2 2026 | — | — |
| Wells Fargo & Company WFC | — | — | 2.52% Q2 2026 | 1.32% Q2 2026 | 5,287 Jul–Sep 2026 | +5.1% vs Jul–Sep 2025 |
A dash means the record is not reported for that lender. Each figure carries its own date; the dates differ. Click a column to sort by that figure alone. Open a lender for its charts, definitions and source links.
About these records
- Who is listed
- Companies with a credit card series in the SEC filings we read, and companies whose US bank subsidiaries hold at least $1 billion of credit card and auto loans together in the newest FDIC quarter. Complaints are added to a lender that has either; a company with only complaints is not listed.
- Bank figures
- From FDIC call reports, quarterly. They cover the lender's US bank subsidiaries only, not the whole company. Bank financials.
- Card figures
- From the issuer's monthly Form 8-K. Each issuer defines its terms its own way, and a change of definition breaks the series: no change is shown across it. A securitized card pool is part of the issuer's loans, not the whole book. It is shown apart and is never added to the issuer's figure. Credit card metrics.
- Complaints
- From the CFPB Consumer Complaint Database, counted for the latest three complete months against the same three months a year earlier, as on the consumer complaints page. Complaints are unverified and grow with a company's customer count; compare trends, not totals. Consumer complaints.
Information, not investment advice (disclaimer).