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 Colorado (DISCONTINUED) Series ID: CCDIOACOQ156N 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 86.452528106723 1980-04-01 81.855894758653 1980-07-01 81.725838010153 1980-10-01 82.646527542543 1981-01-01 84.311075927910 1981-04-01 84.982252076496 1981-07-01 85.036456246637 1981-10-01 82.990875072805 1982-01-01 81.875191863861 1982-04-01 79.034266983702 1982-07-01 77.748934650163 1982-10-01 73.432149668970 1983-01-01 76.527462095463 1983-04-01 78.770479618571 1983-07-01 82.206283797872 1983-10-01 82.113449806191 1984-01-01 83.811521244454 1984-04-01 83.448348884597 1984-07-01 82.498502253601 1984-10-01 81.053438854630 1985-01-01 80.483347191370 1985-04-01 81.133897504516 1985-07-01 80.056843838773 1985-10-01 79.454471177071 1986-01-01 78.653135220070 1986-04-01 78.138017585340 1986-07-01 77.332711648276 1986-10-01 75.869239218805 1987-01-01 75.498412997499 1987-04-01 76.920205804248 1987-07-01 78.669974875484 1987-10-01 76.822070738163 1988-01-01 77.399191345617 1988-04-01 77.961488829808 1988-07-01 78.608248081032 1988-10-01 78.551313437709 1989-01-01 79.737163495753 1989-04-01 79.849652435917 1989-07-01 79.670523950773 1989-10-01 79.505104253848 1990-01-01 82.800480929310 1990-04-01 82.778593474561 1990-07-01 82.009472980878 1990-10-01 80.649159651257 1991-01-01 81.137422482216 1991-04-01 80.537360140746 1991-07-01 81.690048927205 1991-10-01 80.400189527944 1992-01-01 81.003664677362 1992-04-01 81.072276480507 1992-07-01 81.663845889548 1992-10-01 82.496084924513 1993-01-01 83.561822622103 1993-04-01 84.060204852172 1993-07-01 85.414390758914 1993-10-01 87.427549289180 1994-01-01 88.413337135430 1994-04-01 88.159547853325 1994-07-01 88.411683840822 1994-10-01 88.541786186613 1995-01-01 88.327462177999 1995-04-01 87.313998186716 1995-07-01 87.255698336152 1995-10-01 86.856419225610 1996-01-01 86.486451673542 1996-04-01 85.525202803230 1996-07-01 85.290526853416 1996-10-01 85.039809755247 1997-01-01 84.713615005436 1997-04-01 84.231648567753 1997-07-01 84.271361399225 1997-10-01 84.541285335567 1998-01-01 85.314722007279 1998-04-01 84.324967916237 1998-07-01 84.723469558038 1998-10-01 84.964867500706 1999-01-01 85.461236035559 1999-04-01 82.942845881926 1999-07-01 82.135362767516 1999-10-01 83.182783807003 2000-01-01 84.530136192541 2000-04-01 83.502579412549 2000-07-01 83.585196622201 2000-10-01 82.064230582635 2001-01-01 81.639844579380 2001-04-01 79.658104731157 2001-07-01 83.372341346922 2001-10-01 78.841532599744 2002-01-01 82.350813108815 2002-04-01 81.530304818481 2002-07-01 79.705066389720 2002-10-01 79.768875610082 2003-01-01 76.102951327291 2003-04-01 76.319295477481 2003-07-01 77.085653782372 2003-10-01 77.269223960412 2004-01-01 77.188407036459 2004-04-01 77.533291266271 2004-07-01 77.210717219916 2004-10-01 78.361596608259 2005-01-01 77.534674948609 2005-04-01 77.228184652783 2005-07-01 75.531723097294 2005-10-01 76.400506968750 2006-01-01 80.543056349847 2006-04-01 81.225104653960 2006-07-01 80.374779469223 2006-10-01 78.494567449722 2007-01-01 79.552400386071 2007-04-01 79.567430668616 2007-07-01 78.641361147673 2007-10-01 78.556468562005 2008-01-01 75.882167383164 2008-04-01 76.620824463273 2008-07-01 75.263160023584 2008-10-01 74.503497253865 2009-01-01 68.906799796937 2009-04-01 69.460717297520 2009-07-01 68.446697360481 2009-10-01 68.546168806465 2010-01-01 68.371883128874 2010-04-01 68.972513471572 2010-07-01 69.074532863539 2010-10-01 70.231522262991 2011-01-01 70.325171443765 2011-04-01 72.534117729046 2011-07-01 69.653229100356 2011-10-01 70.863957114171 2012-01-01 72.359695902921 2012-04-01 74.321082203726 2012-07-01 72.803500000000 2012-10-01 74.659621349868 2013-01-01 73.914480000000