Datasets › Lender stress › Citigroup, Inc.
Lender stress: Citigroup, Inc.
Ticker C. Three public records about this lender, one panel each. They are not combined: each has its own source, date and caveat.
The three records are reported separately and measure different things. Showing them together does not mean one explains another. Information, not investment advice.
Bank card and auto loans at Citigroup, Inc.
Q2 2026Past-due and charge-off rates on credit card and auto loans of the banks Citigroup, Inc. owns, from FDIC call reports
US bank subsidiaries Q2 2026: card past due 2.58%, auto past due —. Banks: CITIBANK NATIONAL ASSN; CITICORP TRUST DELAWARE NA.
| Quarter | Card loans | Card past due | Card charge-offs | Auto loans | Auto past due | Auto charge-offs |
|---|---|---|---|---|---|---|
| Q2 2026 | $176B | 2.58% | 4.01% | — | — | — |
| Q1 2026 | $166B | 2.81% | 4.00% | — | — | — |
| Q4 2025 | $173B | 2.79% | 3.84% | — | — | — |
| Q3 2025 | $167B | 2.75% | 3.98% | — | — | — |
| Q2 2025 | $167B | 2.66% | 4.26% | — | — | — |
| Q1 2025 | $162B | 2.89% | 4.63% | — | — | — |
| Q4 2024 | $171B | 2.91% | 4.22% | — | — | — |
| Q3 2024 | $163B | 2.93% | 4.32% | — | — | — |
Source: FDIC call reports (FDIC BankFind), quarter ended 2026-06-30. These are the figures of the lender's US bank subsidiaries, as filed with the FDIC, not of the holding company's whole business. A lender can hold part of its card or auto loans outside its banks. Past due means 30 or more days; charge-offs are the quarter's net charge-offs times four, over loans.
Credit card metrics at Citigroup, Inc.
Sep 2026Monthly charge-offs and late payments on credit card loans, from Citigroup, Inc.'s own reports and the card trusts it sponsors, filed with the SEC
Citibank Credit Card Issuance Trust Securitized card pool
Sep 2026: net charge-offs 2.18% (-0.3 pp against a year earlier), 30+ days late 1.35%(0.0 pp), loans $18.7B. Securitized card pool: Citibank Credit Card Master Trust I.
| Month | Net charge-offs | 30+ days late | Loans | Yield | Excess spread | Payment rate |
|---|---|---|---|---|---|---|
| Sep 2026 | 2.18% | 1.35% | $18.7B | 22.85% | 18.10% | 41.45% |
| Aug 2026 | 2.03% | 1.29% | $19.1B | 22.02% | 17.33% | 39.07% |
| Jul 2026 | 1.9% | 1.32% | $19.1B | 21.51% | 16.83% | 43.84% |
| Jun 2026 | 2.25% | 1.3% | $19.2B | 22.39% | 17.71% | 41.93% |
| May 2026 | 2.28% | 1.29% | $19.4B | 21.80% | 17.13% | 39.54% |
| Apr 2026 | 2.11% | 1.4% | $19.5B | 21.37% | 16.69% | 41.61% |
| Mar 2026 | 2.58% | 1.43% | $19.1B | 23.10% | 18.41% | 41.33% |
| Feb 2026 | 2.19% | 1.46% | $19.3B | 21.76% | 17.05% | 37.55% |
| Jan 2026 | 2.03% | 1.46% | $20.0B | 19.03% | 14.32% | 40.03% |
| Dec 2025 | 2.51% | 1.42% | $20.4B | 22.19% | 17.45% | 43.10% |
| Nov 2025 | 2.11% | 1.4% | $20.0B | 21.33% | 16.32% | 34.71% |
| Oct 2025 | 1.95% | 1.42% | $20.2B | 20.87% | 15.78% | 40.77% |
| Sep 2025 | 2.5% | 1.38% | $20.3B | 21.21% | 16.08% | 38.91% |
Citibank Credit Card Issuance Trust and its collateral certificate. Net loss rate is the 'credit loss component' of the portfolio yield; excess spread is the 'surplus finance charge collections' rate; the payment rate is the principal payment rate. The delinquency rate is the sum of the 31-60 through 151-180 day buckets as a share of all receivables (the issuer's first bucket, 1-30 days, is not counted).
Source: the issuers' and trusts' filings with the SEC (Forms 8-K and 10-D), newest month Sep 2026. US public records (SEC EDGAR), public domain. Percentages are as each issuer reports them. Definitions differ between issuers and between a trust and its issuer. Not investment advice.
Consumer complaints at Citigroup, Inc.
Jul–Sep 2026Complaints to the CFPB about Citigroup, Inc.: trend, products, issues, answered in time and closed with relief
Jul–Sep 2026: 6,166 complaints, +24.8% against Jul–Sep 2025 (4,942). 100% were answered in time; 42% of the 6,129 closed ended with monetary or non-monetary relief.
Complaints by month
By product, Jul–Sep 2026
| Product | Complaints | Share | Year earlier | ChangeAgainst the same three months a year earlier. Shown when that window had at least 50 complaints. | In timeShare of complaints the company answered within the CFPB's deadline. | ReliefShare of closed complaints that ended with monetary or non-monetary relief for the consumer. |
|---|---|---|---|---|---|---|
| Credit card | 3,559 | 58% | 2,193 | +62.3% | 100% | 43% |
| Checking or savings account | 1,011 | 16% | 897 | +12.7% | 100% | 34% |
| Credit reporting or other personal consumer reports | 973 | 16% | 1,188 | -18.1% | 100% | 43% |
| Debt collection | 453 | 7% | 536 | -15.5% | 100% | 58% |
| Money transfer, virtual currency, or money service | 120 | 2% | 80 | +50.0% | 100% | 18% |
| Payday loan, title loan, personal loan, or advance loan | 20 | 0% | 14 | — | 100% | 20% |
| Mortgage | 17 | 0% | 13 | — | 100% | 18% |
| Debt or credit management | 5 | 0% | 7 | — | 100% | 40% |
| Prepaid card | 4 | 0% | 12 | — | 100% | 75% |
| Student loan | 2 | 0% | 0 | — | 100% | 0% |
| Vehicle loan or lease | 2 | 0% | 2 | — | 100% | 50% |
Biggest issues
| Issue | Complaints | Year earlier |
|---|---|---|
| Problem with a purchase shown on your statement Credit card | 1,323 | 769 |
| Managing an account Checking or savings account | 614 | 526 |
| Incorrect information on your report Credit reporting or other personal consumer reports | 555 | 580 |
| Other features, terms, or problems Credit card | 450 | 278 |
| Fees or interest Credit card | 447 | 219 |
| Getting a credit card Credit card | 284 | 236 |
| Closing an account Checking or savings account | 251 | 240 |
| Closing your account Credit card | 245 | 174 |
Complaints are unverified and grow with a company's customer count; compare trends, not totals. Source: CFPB Consumer Complaint Database (CFPB), complaints received through 2026-11-11. The newest 15 days are left out: the CFPB publishes a complaint up to 15 days after it arrives.
Information, not investment advice (disclaimer). All lenders.