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 Nebraska (DISCONTINUED) Series ID: CCDIOANEQ156N 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 82.293375774660 1980-04-01 80.716556673650 1980-07-01 82.839978276844 1980-10-01 84.986435963789 1981-01-01 86.015586010033 1981-04-01 86.172464439221 1981-07-01 86.501940340212 1981-10-01 86.040792655086 1982-01-01 85.770472745756 1982-04-01 84.411681995156 1982-07-01 82.893729536095 1982-10-01 82.402482763135 1983-01-01 82.340835869615 1983-04-01 85.175862299700 1983-07-01 87.781162829559 1983-10-01 86.633779818090 1984-01-01 87.754875597607 1984-04-01 88.004163082262 1984-07-01 87.019400801045 1984-10-01 86.833968175801 1985-01-01 86.539213424374 1985-04-01 86.462831226929 1985-07-01 85.987706711924 1985-10-01 85.440701249577 1986-01-01 85.473056129921 1986-04-01 86.720601768984 1986-07-01 87.168058541431 1986-10-01 86.672658087423 1987-01-01 88.690395091212 1987-04-01 88.716639471575 1987-07-01 88.739128880415 1987-10-01 88.534133162365 1988-01-01 89.678174657753 1988-04-01 89.772533330240 1988-07-01 89.945060415819 1988-10-01 89.620832348666 1989-01-01 89.765990753889 1989-04-01 89.132211248033 1989-07-01 87.300408957392 1989-10-01 89.056293801829 1990-01-01 89.033146248530 1990-04-01 88.928772053662 1990-07-01 87.641724940793 1990-10-01 86.431887419518 1991-01-01 86.713217900478 1991-04-01 87.067073525645 1991-07-01 87.280748993522 1991-10-01 86.638035846384 1992-01-01 86.702948309995 1992-04-01 87.464606169313 1992-07-01 87.419430994558 1992-10-01 88.251527168659 1993-01-01 88.549259794098 1993-04-01 88.558015308401 1993-07-01 88.493985326950 1993-10-01 89.289131956680 1994-01-01 89.013942550563 1994-04-01 89.269278285505 1994-07-01 89.085967628370 1994-10-01 88.909353076141 1995-01-01 88.699315065441 1995-04-01 88.473387812919 1995-07-01 88.169048186849 1995-10-01 87.821283331873 1996-01-01 87.464451642685 1996-04-01 87.037834997536 1996-07-01 86.761870064528 1996-10-01 86.113173732049 1997-01-01 86.323906298664 1997-04-01 86.298622744967 1997-07-01 86.008100034964 1997-10-01 85.943321456021 1998-01-01 86.718886751138 1998-04-01 86.063608145131 1998-07-01 86.420332241154 1998-10-01 86.123345298792 1999-01-01 86.152596293917 1999-04-01 84.490242372061 1999-07-01 81.643666430949 1999-10-01 83.668700188001 2000-01-01 84.344279976061 2000-04-01 84.016371111756 2000-07-01 82.039016391689 2000-10-01 79.425138654213 2001-01-01 81.077282550862 2001-04-01 78.649423831939 2001-07-01 81.244840832375 2001-10-01 77.040752654990 2002-01-01 82.518913649173 2002-04-01 80.542087823928 2002-07-01 78.800866045411 2002-10-01 78.065891128368 2003-01-01 76.947017678956 2003-04-01 78.730970168695 2003-07-01 79.165849900936 2003-10-01 78.596932821413 2004-01-01 78.790512374671 2004-04-01 78.804442442408 2004-07-01 79.597812029915 2004-10-01 80.586316146660 2005-01-01 78.403062477049 2005-04-01 77.575001878174 2005-07-01 76.563012211560 2005-10-01 75.294789524539 2006-01-01 81.843881525497 2006-04-01 81.225423661527 2006-07-01 80.880901868533 2006-10-01 79.934525061619 2007-01-01 81.620530458094 2007-04-01 80.878982396543 2007-07-01 79.530352104107 2007-10-01 78.587509522740 2008-01-01 78.619520501533 2008-04-01 78.665040227586 2008-07-01 77.637449701005 2008-10-01 77.565217009721 2009-01-01 75.762894926700 2009-04-01 77.662967005585 2009-07-01 76.393553106834 2009-10-01 76.438246796263 2010-01-01 78.616906165194 2010-04-01 78.243766721252 2010-07-01 77.006356793821 2010-10-01 77.444516951033 2011-01-01 78.337894692945 2011-04-01 81.056035590246 2011-07-01 77.851252976626 2011-10-01 77.417420897249 2012-01-01 79.175832798534 2012-04-01 80.558889870863 2012-07-01 79.427660000000 2012-10-01 79.863870737787 2013-01-01 78.655330000000