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Lender stress: JPMorgan Chase & Co.
Ticker JPM. 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 JPMorgan Chase & Co.
Q2 2026Past-due and charge-off rates on credit card and auto loans of the banks JPMorgan Chase & Co. owns, from FDIC call reports
US bank subsidiaries Q2 2026: card past due 1.85%, auto past due 1.03%. Banks: JPMORGAN CHASE BANK NA; JPMORGAN CHASE BANK DEARBORN.
| Quarter | Card loans | Card past due | Card charge-offs | Auto loans | Auto past due | Auto charge-offs |
|---|---|---|---|---|---|---|
| Q2 2026 | $216B | 1.85% | 3.08% | $57.8B | 1.03% | 0.40% |
| Q1 2026 | $206B | 2.12% | 3.28% | $56.7B | 1.08% | 0.54% |
| Q4 2025 | $216B | 2.12% | 2.90% | $56.6B | 1.24% | 0.59% |
| Q3 2025 | $204B | 2.11% | 2.99% | $57.7B | 1.14% | 0.53% |
| Q2 2025 | $202B | 2.00% | 3.18% | $58.4B | 1.19% | 0.42% |
| Q1 2025 | $193B | 2.15% | 3.43% | $58.0B | 1.19% | 0.65% |
| Q4 2024 | $204B | 2.11% | 3.04% | $58.5B | 1.37% | 0.73% |
| Q3 2024 | $190B | 2.16% | 3.13% | $58.5B | 1.26% | 0.73% |
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 JPMorgan Chase & Co.
Sep 2026Monthly charge-offs and late payments on credit card loans, from JPMorgan Chase & Co.'s own reports and the card trusts it sponsors, filed with the SEC
Chase Issuance Trust Securitized card pool
Sep 2026: net charge-offs 1.52% (-0.2 pp against a year earlier), 30+ days late 0.81%(0.0 pp), loans $11.7B. Securitized card pool: Chase Issuance Trust, Asset Pool One.
| Month | Net charge-offs | 30+ days late | Loans | Yield | Excess spread | Payment rate |
|---|---|---|---|---|---|---|
| Sep 2026 | 1.52% | 0.81% | $11.7B | 22.69% | 16.56% | 51.12% |
| Aug 2026 | 1.66% | 0.8% | $11.8B | 22.20% | 16.00% | 51.38% |
| Jul 2026 | 1.58% | 0.81% | $11.7B | 22.83% | 16.63% | 53.56% |
| Jun 2026 | 1.62% | 0.81% | $11.9B | 23.00% | 16.80% | 51.83% |
| May 2026 | 1.73% | 0.82% | $12.0B | 22.88% | 16.68% | 52.55% |
| Apr 2026 | 1.68% | 0.87% | $11.9B | 23.04% | 16.79% | 50.98% |
| Mar 2026 | 1.74% | 0.9% | $11.7B | 25.12% | 18.87% | 54.12% |
| Feb 2026 | 1.66% | 0.92% | $11.5B | 23.48% | 17.23% | 48.54% |
| Jan 2026 | 1.69% | 0.88% | $12.0B | 20.13% | 13.88% | 50.16% |
| Dec 2025 | 1.59% | 0.84% | $12.7B | 23.37% | 17.12% | 52.99% |
| Nov 2025 | 1.76% | 0.86% | $12.3B | 22.80% | 16.55% | 48.10% |
| Oct 2025 | 1.44% | 0.88% | $12.0B | 23.32% | 17.07% | 51.42% |
| Sep 2025 | 1.68% | 0.85% | $12.1B | 22.08% | 15.83% | 49.36% |
Chase Issuance Trust, Asset Pool One. Portfolio yield is the pool's finance charge, fee and interchange yield less net credit losses; excess spread is that yield less the coupon and servicing fee. The delinquency rate is the share of the pool balance 30 or more days past due. Net loss rate is annualized net losses over the average pool balance.
- Chase Issuance Trust, Feb 2024: As filed: the trust's receivables rose from 8.8 billion in January 2024 to 12.6 billion in February 2024. The monthly report gives no reason; the figures are the pool's, not Chase's whole card book.
- Chase Issuance Trust, Oct 2019: As filed: the trust's receivables fell from 26.9 billion in September 2019 to 14.2 billion in October 2019. The monthly report gives no reason; the figures are the pool's, not Chase's whole card book.
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 JPMorgan Chase & Co.
Jul–Sep 2026Complaints to the CFPB about JPMorgan Chase & Co.: trend, products, issues, answered in time and closed with relief
Jul–Sep 2026: 6,622 complaints, +6.5% against Jul–Sep 2025 (6,218). 100% were answered in time; 17% of the 6,609 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. |
|---|---|---|---|---|---|---|
| Checking or savings account | 2,443 | 37% | 2,373 | +3.0% | 100% | 17% |
| Credit card | 1,990 | 30% | 1,523 | +30.7% | 100% | 21% |
| Credit reporting or other personal consumer reports | 1,051 | 16% | 1,174 | -10.5% | 100% | 19% |
| Money transfer, virtual currency, or money service | 438 | 7% | 440 | -0.5% | 100% | 6% |
| Debt collection | 381 | 6% | 450 | -15.3% | 100% | 11% |
| Mortgage | 171 | 3% | 142 | +20.4% | 100% | 4% |
| Vehicle loan or lease | 129 | 2% | 92 | +40.2% | 100% | 12% |
| Debt or credit management | 8 | 0% | 12 | — | 100% | 13% |
| Payday loan, title loan, personal loan, or advance loan | 6 | 0% | 8 | — | 100% | 0% |
| Prepaid card | 4 | 0% | 3 | — | 100% | 0% |
| Student loan | 1 | 0% | 1 | — | 100% | 0% |
Biggest issues
| Issue | Complaints | Year earlier |
|---|---|---|
| Managing an account Checking or savings account | 1,431 | 1,336 |
| Problem with a purchase shown on your statement Credit card | 670 | 446 |
| Incorrect information on your report Credit reporting or other personal consumer reports | 555 | 594 |
| Other features, terms, or problems Credit card | 401 | 268 |
| Closing an account Checking or savings account | 361 | 410 |
| Problem with a lender or other company charging your account Checking or savings account | 308 | 293 |
| Improper use of your report Credit reporting or other personal consumer reports | 273 | 396 |
| Fraud or scam Money transfer, virtual currency, or money service | 200 | 201 |
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.