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 Louisiana (DISCONTINUED) Series ID: CCDIOALAQ156N 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 78.974643933671 1980-04-01 77.773661762245 1980-07-01 79.277784593844 1980-10-01 77.457254260199 1981-01-01 77.523835249609 1981-04-01 77.034942090634 1981-07-01 75.842380526650 1981-10-01 74.942499987970 1982-01-01 75.142408895964 1982-04-01 74.743871039721 1982-07-01 74.484358580352 1982-10-01 72.628156622320 1983-01-01 73.685642426027 1983-04-01 73.611235368285 1983-07-01 72.835982391722 1983-10-01 72.405048744353 1984-01-01 74.992230938075 1984-04-01 73.968178033204 1984-07-01 72.416418211950 1984-10-01 71.628963813446 1985-01-01 70.986581133517 1985-04-01 70.788339361119 1985-07-01 69.772912379260 1985-10-01 69.376780710389 1986-01-01 69.750309650654 1986-04-01 69.802276896265 1986-07-01 69.792725396311 1986-10-01 69.467814866333 1987-01-01 70.077766257210 1987-04-01 71.102752062514 1987-07-01 71.105286030570 1987-10-01 70.859647702581 1988-01-01 72.107952894420 1988-04-01 72.969121616738 1988-07-01 72.768354160355 1988-10-01 72.678208223531 1989-01-01 73.346848555825 1989-04-01 74.912392149637 1989-07-01 76.000257284348 1989-10-01 77.712847817480 1990-01-01 82.235230637478 1990-04-01 81.956857781501 1990-07-01 77.690368024207 1990-10-01 75.273787236002 1991-01-01 75.439073663393 1991-04-01 74.874294059274 1991-07-01 75.545232491529 1991-10-01 75.260601895883 1992-01-01 75.828808689219 1992-04-01 76.311133211846 1992-07-01 75.475613589083 1992-10-01 77.099695773168 1993-01-01 79.101519505574 1993-04-01 79.238410325252 1993-07-01 78.212552138074 1993-10-01 78.559431903330 1994-01-01 80.360914962736 1994-04-01 80.299626029274 1994-07-01 80.371237139954 1994-10-01 79.432258146257 1995-01-01 81.006472499986 1995-04-01 80.251870279755 1995-07-01 79.024907419938 1995-10-01 78.320869825857 1996-01-01 79.361534139228 1996-04-01 77.981508161957 1996-07-01 77.696344640505 1996-10-01 77.478873319529 1997-01-01 78.913854347400 1997-04-01 78.460878420154 1997-07-01 78.173756533947 1997-10-01 79.669715961877 1998-01-01 82.603080925999 1998-04-01 80.167749178269 1998-07-01 79.120273699555 1998-10-01 80.471874450103 1999-01-01 82.105213450297 1999-04-01 79.707491517140 1999-07-01 78.484634781495 1999-10-01 79.450656730906 2000-01-01 80.961485158911 2000-04-01 80.521376751067 2000-07-01 79.337525513295 2000-10-01 77.216970207673 2001-01-01 77.089451977913 2001-04-01 75.498979428772 2001-07-01 76.967042291866 2001-10-01 72.472404857133 2002-01-01 77.504482347273 2002-04-01 76.948913016515 2002-07-01 74.765288760722 2002-10-01 74.815102418880 2003-01-01 72.775297693771 2003-04-01 72.897525772662 2003-07-01 72.898634003774 2003-10-01 73.766293938242 2004-01-01 75.500875672116 2004-04-01 74.679747480586 2004-07-01 74.096032687640 2004-10-01 74.854227957741 2005-01-01 73.963312222660 2005-04-01 72.952674703260 2005-07-01 68.662662954606 2005-10-01 66.609045894956 2006-01-01 74.757622959148 2006-04-01 74.973322722045 2006-07-01 75.039033169489 2006-10-01 76.146211922570 2007-01-01 78.197267624480 2007-04-01 76.635186124140 2007-07-01 75.655920291954 2007-10-01 75.516604409636 2008-01-01 74.776646927698 2008-04-01 76.373213881762 2008-07-01 75.523909476055 2008-10-01 75.722594543522 2009-01-01 71.973774070903 2009-04-01 73.220600098426 2009-07-01 71.590729541483 2009-10-01 71.546122096707 2010-01-01 70.424407954303 2010-04-01 70.702234606909 2010-07-01 70.284832960554 2010-10-01 70.768045548417 2011-01-01 69.723720973055 2011-04-01 69.471983120510 2011-07-01 67.621715677904 2011-10-01 67.660382115605 2012-01-01 69.740172457527 2012-04-01 70.064164876563 2012-07-01 69.054240000000 2012-10-01 72.153121329197 2013-01-01 71.132550000000