NOTE: THIS DATA FILE WILL CHANGE! To improve accessibility of data for all users, we will convert this file from a text format to an html table by the end of June 2024. Title: CredAbility Consumer Distress Index for Arkansas (DISCONTINUED) Series ID: CCDIOAARQ156N Source: CredAbility Nonprofit Credit Counseling & Education Release: CredAbility Consumer Distress Index (Not a Press Release) Seasonal Adjustment: Not Seasonally Adjusted Frequency: Quarterly Units: Percent Date Range: 1980-01-01 to 2013-01-01 Last Updated: 2013-05-17 1:18 PM CDT Notes: Overview of the Index The Index is a quarterly comprehensive picture of the average American household’s financial condition. Built by assessing the key elements of financial health and distress, it converts a complex set of factors into a single, easy to understand number. Scope and History The index measures the U.S., all 50 states and more than 70 MSAs. The national and state versions date back to 1980 and the MSA versions date back to 1990. Public Data and Proprietary Methodology We use more than 65 data points from government, public and private data and a proprietary methodology for compiling, combining and evaluating data. With nearly 50 years of experience and insight into helping consumers in financial distress, we know the biggest causes of distress, how people react to financial challenges and proven strategies for regaining control. (Note: Our client data is not a data source for the Index) Measured on a 100 Point Scale Financial distress is measured on a 100 point scale and a score under 70 indicates financial distress. The lower the score equals more distress, a weaker financial position, more urgency to act, takes longer and is harder to resolve, and increases the probability of needing a third party help to resolve. The Index score is tied to one of 5 general rating categories, which reflect the strength and stability of the consumer’s position. Less than 60 Emergency / Crisis 60 – 69 Distressed / Unstable 70 – 79 Weakening / At-Risk 80 – 89 Good / Stable 90 and Above Excellent / Secure What Does the Index Measure? We measure the 5 categories of personal finance that reflect or lead to a secure, stable financial life—Employment, Housing, Credit, Household Budget and Net Worth. All are equally important, so have given each category equal weighting. Employment. Stable income is the foundation of any family’s finances. This category measures the impact of unemployment and underemployment on financial health. Key Measures: Unemployment, Underemployment Sample Data Source: Department of Labor, Bureau of Labor Statistics Housing. Safe, affordable housing is a priority for all families. This category measures how consumers are paying their mortgage/rent and the impact of housing costs on their finances. Key Measures: Mortgage and Rental Delinquencies, Housing as Percent of Budget Sample Data Source: National Delinquency Survey Credit. Responsible use of credit creates more borrowing options and lower costs. This category assesses the strength of credit scores and how well families manage their credit. Key Measures: Credit Scores, Trade Line Utilization, Credit Delinquencies, Per Capita Bankruptcies Sample Data Source: National Credit Bureau Household Budget. Spending less than you make is the daily choice that leads to long-term success. This category measures families’ spending patterns and saving for emergencies. Key Measures: Disposable Income, Savings, Consumer Confidence Sample Data Source: Department of Commerce, Bureau of Economic Analysis Net Worth. Strong, positive net worth creates options and independence. This category measures how well consumers are strengthening their personal balance sheets. Key Measures: Household Net Worth, Net Worth versus Funds Required for Long-Term Needs (e.g. retirement) Sample Data Source: Federal Reserve Flow of Funds, Survey of Consumer Finances DATE VALUE 1980-01-01 81.547764846264 1980-04-01 78.378311089963 1980-07-01 79.206240248675 1980-10-01 78.206081256839 1981-01-01 76.893680993288 1981-04-01 77.846798771022 1981-07-01 75.851106017397 1981-10-01 74.850076176640 1982-01-01 75.718893572685 1982-04-01 76.195428690979 1982-07-01 74.746816267243 1982-10-01 74.213964265998 1983-01-01 76.022776879186 1983-04-01 77.174777435103 1983-07-01 76.308880832610 1983-10-01 73.841321882036 1984-01-01 76.377542256338 1984-04-01 78.151470050931 1984-07-01 77.370290431612 1984-10-01 76.532911535788 1985-01-01 74.285789013191 1985-04-01 76.428621547728 1985-07-01 76.095903415473 1985-10-01 75.804810101566 1986-01-01 76.553871748146 1986-04-01 77.490411672014 1986-07-01 76.399633964354 1986-10-01 75.644005856152 1987-01-01 76.408899695259 1987-04-01 77.673823939130 1987-07-01 78.289308385655 1987-10-01 76.010141521267 1988-01-01 77.340507680890 1988-04-01 78.135589651128 1988-07-01 77.572384914501 1988-10-01 76.146823320360 1989-01-01 77.627482391410 1989-04-01 78.239652732863 1989-07-01 77.071673082293 1989-10-01 76.569634410207 1990-01-01 78.608187609440 1990-04-01 77.799832292221 1990-07-01 74.994718937467 1990-10-01 72.741583827833 1991-01-01 73.390569484502 1991-04-01 73.272038705906 1991-07-01 73.966764217499 1991-10-01 73.581537827238 1992-01-01 76.578537161215 1992-04-01 77.810139869146 1992-07-01 77.848758944516 1992-10-01 78.979490528202 1993-01-01 80.986567480853 1993-04-01 81.076719773290 1993-07-01 81.227132503293 1993-10-01 82.311390336119 1994-01-01 84.383192271417 1994-04-01 84.839358296587 1994-07-01 85.889995205272 1994-10-01 85.450968682903 1995-01-01 86.826032542067 1995-04-01 85.799381201791 1995-07-01 83.718906164489 1995-10-01 82.702892056166 1996-01-01 83.021509695746 1996-04-01 81.757949760106 1996-07-01 80.957273029161 1996-10-01 80.832974267530 1997-01-01 82.235807638139 1997-04-01 80.204374504254 1997-07-01 80.025759697394 1997-10-01 80.518668951324 1998-01-01 81.290000365461 1998-04-01 81.234413838022 1998-07-01 80.447075904711 1998-10-01 79.933691022290 1999-01-01 81.179673714327 1999-04-01 78.953390365119 1999-07-01 77.425338764139 1999-10-01 76.711718970241 2000-01-01 79.566446543797 2000-04-01 78.236614664886 2000-07-01 76.960511438420 2000-10-01 73.593061709927 2001-01-01 75.484349147291 2001-04-01 73.629314707834 2001-07-01 75.550175500870 2001-10-01 71.596874058089 2002-01-01 77.686323994183 2002-04-01 77.172178145553 2002-07-01 74.658321005191 2002-10-01 75.366271558995 2003-01-01 72.089504376377 2003-04-01 72.390910829899 2003-07-01 72.424661668275 2003-10-01 72.786146799833 2004-01-01 74.323932634898 2004-04-01 74.054820424994 2004-07-01 73.448767636574 2004-10-01 73.878207030888 2005-01-01 75.068202100184 2005-04-01 72.904942272404 2005-07-01 73.003604282543 2005-10-01 71.927709702057 2006-01-01 78.272873581128 2006-04-01 77.076792440253 2006-07-01 75.714323509643 2006-10-01 74.548170251331 2007-01-01 75.998006943835 2007-04-01 74.345245059769 2007-07-01 73.481658234742 2007-10-01 73.036153356925 2008-01-01 71.496128222401 2008-04-01 72.395845332451 2008-07-01 69.458922435839 2008-10-01 68.227491969441 2009-01-01 65.229248372391 2009-04-01 67.155512369470 2009-07-01 64.641451038057 2009-10-01 65.089753000264 2010-01-01 66.858379626432 2010-04-01 67.090502998572 2010-07-01 66.543791180814 2010-10-01 67.171754075582 2011-01-01 67.939731217577 2011-04-01 69.091393251363 2011-07-01 65.729007811020 2011-10-01 65.016478297646 2012-01-01 67.876168242308 2012-04-01 69.216603414087 2012-07-01 68.966840000000 2012-10-01 69.547357753335 2013-01-01 67.502240000000