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 Arizona (DISCONTINUED) Series ID: CCDIOAAZQ156N 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 85.014335145574 1980-04-01 81.150614125563 1980-07-01 80.059379301871 1980-10-01 81.731020603176 1981-01-01 83.753580375997 1981-04-01 85.695422749114 1981-07-01 82.921384410311 1981-10-01 79.109258872763 1982-01-01 77.979193003408 1982-04-01 76.503349729459 1982-07-01 73.892963215534 1982-10-01 73.338373918366 1983-01-01 74.449387912272 1983-04-01 76.823310218175 1983-07-01 78.183851384874 1983-10-01 82.498828114684 1984-01-01 85.463275232734 1984-04-01 87.445795472695 1984-07-01 85.632578859398 1984-10-01 83.313806681740 1985-01-01 81.146856071544 1985-04-01 80.629895282033 1985-07-01 79.274467665780 1985-10-01 79.091497174006 1986-01-01 79.446694868104 1986-04-01 79.031143431749 1986-07-01 77.736548280630 1986-10-01 77.144826004848 1987-01-01 77.010264839709 1987-04-01 78.962086066163 1987-07-01 78.245999092075 1987-10-01 77.526780419811 1988-01-01 79.012700769251 1988-04-01 78.472029887657 1988-07-01 77.908162677162 1988-10-01 77.701563648731 1989-01-01 79.344862938011 1989-04-01 79.880841852560 1989-07-01 79.181498206360 1989-10-01 79.539961441121 1990-01-01 80.613824025046 1990-04-01 79.968742462122 1990-07-01 78.151362130479 1990-10-01 77.280679681723 1991-01-01 78.966528180489 1991-04-01 78.333060678674 1991-07-01 76.453925437869 1991-10-01 73.668528507325 1992-01-01 74.143299248106 1992-04-01 75.405069650200 1992-07-01 75.036155654779 1992-10-01 76.291803636058 1993-01-01 79.626222493347 1993-04-01 80.251786213055 1993-07-01 80.229873087214 1993-10-01 81.565131246335 1994-01-01 83.966579651694 1994-04-01 83.533454657208 1994-07-01 84.155288313597 1994-10-01 83.863202995390 1995-01-01 85.200672530878 1995-04-01 84.284416148870 1995-07-01 83.389492953068 1995-10-01 82.640191752882 1996-01-01 83.866329080594 1996-04-01 81.726499995865 1996-07-01 80.625070733249 1996-10-01 80.314017305873 1997-01-01 80.563679696041 1997-04-01 80.406627950927 1997-07-01 79.994060177529 1997-10-01 79.421590634981 1998-01-01 81.347106912639 1998-04-01 80.812356846758 1998-07-01 80.098725439032 1998-10-01 80.166563627224 1999-01-01 83.263370890377 1999-04-01 80.619625091353 1999-07-01 79.365635481262 1999-10-01 79.753638661982 2000-01-01 82.128304527864 2000-04-01 81.314073152994 2000-07-01 80.739690324361 2000-10-01 77.749777681419 2001-01-01 78.782512428084 2001-04-01 76.219722629715 2001-07-01 78.520425741351 2001-10-01 72.874262983636 2002-01-01 77.370814061519 2002-04-01 76.076668604007 2002-07-01 73.313103725124 2002-10-01 74.258184289912 2003-01-01 73.961770781700 2003-04-01 74.253777984354 2003-07-01 74.934380608506 2003-10-01 75.429354185688 2004-01-01 77.793372068367 2004-04-01 78.376631598770 2004-07-01 77.967180729718 2004-10-01 79.029886497394 2005-01-01 76.813274554351 2005-04-01 75.850462661505 2005-07-01 75.611852745212 2005-10-01 76.031976126920 2006-01-01 78.920796923992 2006-04-01 78.617881696363 2006-07-01 78.409031712904 2006-10-01 77.838800320924 2007-01-01 77.419322709744 2007-04-01 76.953258535821 2007-07-01 74.302126566818 2007-10-01 73.796538342558 2008-01-01 70.148914203323 2008-04-01 71.215349702832 2008-07-01 67.280154307140 2008-10-01 67.288816815253 2009-01-01 61.489574928011 2009-04-01 61.412173488007 2009-07-01 61.106984480386 2009-10-01 60.959153797445 2010-01-01 61.685134614942 2010-04-01 63.244333273909 2010-07-01 63.293432783076 2010-10-01 63.710259659357 2011-01-01 64.082477085192 2011-04-01 65.970013586727 2011-07-01 63.237113660266 2011-10-01 63.882146098620 2012-01-01 66.049228091698 2012-04-01 68.792222313116 2012-07-01 68.003070000000 2012-10-01 69.508586345693 2013-01-01 68.162660000000