Delinquency rates remained stable at 4.8% as mortgage and auto loan balances rose slightly while credit card debt declined.
Total US household debt was unchanged at $18.8 trillion in the first quarter of 2026, with delinquency rates holding at 4.8%. The stability follows a period of modest fluctuations in consumer credit conditions.
Mortgage balances increased by $21 billion to $13.2 trillion, while credit card debt fell $25 billion to $1.3 trillion. Auto loan debt rose $18 billion to $1.7 trillion, and student loan debt declined $6 billion to $1.7 trillion. Student loan defaults showed signs of slowing, easing contagion concerns.
Markets absorbed the data as a sign of steady consumer health, with no immediate volatility in credit-sensitive sectors.