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 Indiana (DISCONTINUED) Series ID: CCDIOAINQ156N 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 78.469094762848 1980-04-01 74.557371442140 1980-07-01 74.320488554417 1980-10-01 75.020583848610 1981-01-01 76.387088139662 1981-04-01 76.322125533244 1981-07-01 75.275186107584 1981-10-01 72.787657408420 1982-01-01 73.214296536820 1982-04-01 72.969897417449 1982-07-01 72.786272340987 1982-10-01 72.143075556348 1983-01-01 73.976386055984 1983-04-01 75.090375723660 1983-07-01 75.805258549231 1983-10-01 75.066455435658 1984-01-01 77.990538617383 1984-04-01 78.354160189590 1984-07-01 78.054941673574 1984-10-01 76.833214188791 1985-01-01 77.823297296605 1985-04-01 78.316540384664 1985-07-01 77.813716193118 1985-10-01 78.095981906532 1986-01-01 79.659670514070 1986-04-01 79.903213510965 1986-07-01 80.117528748102 1986-10-01 79.147278127422 1987-01-01 80.707853472163 1987-04-01 81.052050623498 1987-07-01 81.194758876607 1987-10-01 80.597397847882 1988-01-01 83.860632860335 1988-04-01 84.574220608123 1988-07-01 84.378189373948 1988-10-01 83.606498192246 1989-01-01 85.883807188131 1989-04-01 85.047368819409 1989-07-01 84.239920613527 1989-10-01 82.376709054593 1990-01-01 84.966712052177 1990-04-01 84.013990641758 1990-07-01 81.686822755011 1990-10-01 79.282331696940 1991-01-01 78.885857114422 1991-04-01 78.355887302298 1991-07-01 79.897783106174 1991-10-01 78.858630982741 1992-01-01 79.842380489748 1992-04-01 79.226892717455 1992-07-01 78.677792203804 1992-10-01 81.428679684044 1993-01-01 83.817813301190 1993-04-01 82.557916668543 1993-07-01 86.744173235238 1993-10-01 87.096625113885 1994-01-01 88.365407610156 1994-04-01 88.250783372765 1994-07-01 88.113414688280 1994-10-01 87.692139287426 1995-01-01 87.488718211740 1995-04-01 87.021958590712 1995-07-01 86.355866840024 1995-10-01 84.275854865892 1996-01-01 86.373613489764 1996-04-01 84.447244315838 1996-07-01 83.869953887705 1996-10-01 82.627299358231 1997-01-01 84.047979108711 1997-04-01 83.398045577260 1997-07-01 82.251605081773 1997-10-01 82.165186380284 1998-01-01 84.130444671949 1998-04-01 83.165555418817 1998-07-01 82.841865871704 1998-10-01 82.167247148753 1999-01-01 83.473675249114 1999-04-01 80.637373363350 1999-07-01 79.184832514920 1999-10-01 79.850107821233 2000-01-01 82.736114945805 2000-04-01 80.934410471838 2000-07-01 79.866562019899 2000-10-01 77.175476864589 2001-01-01 79.074191335048 2001-04-01 76.055966488991 2001-07-01 78.349692152746 2001-10-01 74.116129739995 2002-01-01 78.108941342179 2002-04-01 77.135636253852 2002-07-01 75.170461944943 2002-10-01 75.118138378050 2003-01-01 75.029049625954 2003-04-01 75.502788588671 2003-07-01 76.219561698130 2003-10-01 76.328747298702 2004-01-01 75.822663395359 2004-04-01 75.214387797820 2004-07-01 74.528553257909 2004-10-01 74.975577822171 2005-01-01 72.953353651180 2005-04-01 72.272904871690 2005-07-01 71.051534736694 2005-10-01 69.987709070447 2006-01-01 78.605402917309 2006-04-01 76.454641364148 2006-07-01 74.927765689228 2006-10-01 75.392460874951 2007-01-01 76.353133713881 2007-04-01 74.799000830488 2007-07-01 73.469120609539 2007-10-01 72.845421888247 2008-01-01 69.559465999750 2008-04-01 69.739738557908 2008-07-01 67.034447534087 2008-10-01 68.295389094364 2009-01-01 62.087792451473 2009-04-01 64.468432513857 2009-07-01 62.086881616997 2009-10-01 62.266711282283 2010-01-01 63.481654021736 2010-04-01 64.430872590491 2010-07-01 64.381930131906 2010-10-01 64.646521332460 2011-01-01 65.454052147709 2011-04-01 66.953766299151 2011-07-01 63.477516887098 2011-10-01 64.527238595718 2012-01-01 66.223436475211 2012-04-01 67.646879385753 2012-07-01 66.642550000000 2012-10-01 68.107242359073 2013-01-01 66.207190000000