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 California (DISCONTINUED) Series ID: CCDIOACAQ156N 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 1:19 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 83.990281139516 1980-04-01 82.930402613509 1980-07-01 82.761300253583 1980-10-01 82.519174848354 1981-01-01 82.362218470011 1981-04-01 82.922231907925 1981-07-01 81.343089709187 1981-10-01 78.686500010442 1982-01-01 78.327634320789 1982-04-01 77.613019125686 1982-07-01 76.035516173688 1982-10-01 75.258363670777 1983-01-01 76.306344255619 1983-04-01 78.555910144574 1983-07-01 78.647820206911 1983-10-01 78.833190385503 1984-01-01 80.631543575861 1984-04-01 81.492219057946 1984-07-01 80.720430594162 1984-10-01 80.508950092253 1985-01-01 81.571209434287 1985-04-01 82.708727393883 1985-07-01 81.730201247787 1985-10-01 81.696725126728 1986-01-01 83.495133044530 1986-04-01 83.632927146178 1986-07-01 83.461161196703 1986-10-01 83.442859511761 1987-01-01 85.013520143844 1987-04-01 85.737132251327 1987-07-01 86.351026955888 1987-10-01 86.375557229014 1988-01-01 86.749289417830 1988-04-01 86.791227003469 1988-07-01 86.815625595820 1988-10-01 87.457340831850 1989-01-01 87.568565834770 1989-04-01 86.339884967431 1989-07-01 86.483211044430 1989-10-01 86.329588290875 1990-01-01 86.456663561359 1990-04-01 85.129994335883 1990-07-01 82.765770615876 1990-10-01 79.713033709011 1991-01-01 78.120845363547 1991-04-01 77.318392300828 1991-07-01 77.427375553415 1991-10-01 76.533968675933 1992-01-01 74.749234698764 1992-04-01 75.014559088119 1992-07-01 74.863932125967 1992-10-01 75.446841891326 1993-01-01 76.584665672806 1993-04-01 76.386306051012 1993-07-01 76.371342699651 1993-10-01 77.752624459479 1994-01-01 78.093781036878 1994-04-01 78.966193319300 1994-07-01 79.843709019757 1994-10-01 80.291876320322 1995-01-01 80.233277604444 1995-04-01 79.034208480096 1995-07-01 77.934934794003 1995-10-01 77.528508603123 1996-01-01 78.744876868093 1996-04-01 78.508841438784 1996-07-01 79.231013482838 1996-10-01 78.671019361527 1997-01-01 79.355947727106 1997-04-01 80.399701691446 1997-07-01 80.447957608246 1997-10-01 80.761847720820 1998-01-01 82.093226169321 1998-04-01 82.497058870231 1998-07-01 82.372682265721 1998-10-01 81.845189474356 1999-01-01 83.691682391483 1999-04-01 82.790774448499 1999-07-01 82.698328810706 1999-10-01 84.021887824132 2000-01-01 85.161596403801 2000-04-01 84.777216870173 2000-07-01 85.155933473221 2000-10-01 83.443820183462 2001-01-01 83.258831447996 2001-04-01 81.649168052852 2001-07-01 83.375198740519 2001-10-01 77.990155596696 2002-01-01 81.215101218852 2002-04-01 80.897591359434 2002-07-01 78.870105559608 2002-10-01 78.713217550699 2003-01-01 76.370445984919 2003-04-01 77.873691538422 2003-07-01 78.871990051643 2003-10-01 79.207639834058 2004-01-01 79.774226973878 2004-04-01 80.562288479829 2004-07-01 80.578401172714 2004-10-01 81.809402352032 2005-01-01 80.161096062141 2005-04-01 79.169561725219 2005-07-01 78.532890349098 2005-10-01 78.088650216459 2006-01-01 82.071182710464 2006-04-01 81.629505463346 2006-07-01 80.779871895765 2006-10-01 81.707465248339 2007-01-01 80.281063634895 2007-04-01 79.624811163066 2007-07-01 77.565841529528 2007-10-01 75.322846026571 2008-01-01 70.897467362026 2008-04-01 70.405622489716 2008-07-01 67.279945816729 2008-10-01 66.264019696295 2009-01-01 62.371562168055 2009-04-01 65.257540074758 2009-07-01 63.061316103086 2009-10-01 62.800281445400 2010-01-01 63.138427365887 2010-04-01 63.932686364566 2010-07-01 64.369848699277 2010-10-01 64.715529253555 2011-01-01 65.189430229481 2011-04-01 66.639423021587 2011-07-01 65.800603797869 2011-10-01 66.419118338853 2012-01-01 67.878161821648 2012-04-01 69.481735089139 2012-07-01 70.313260000000 2012-10-01 70.863960718006 2013-01-01 69.638620000000