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 Nevada (DISCONTINUED) Series ID: CCDIOANVQ156N 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 83.581767860993 1980-04-01 81.090309964004 1980-07-01 77.995006172278 1980-10-01 78.131896409998 1981-01-01 78.509276539339 1981-04-01 80.355457504528 1981-07-01 77.899117587701 1981-10-01 75.894543836799 1982-01-01 74.977940401129 1982-04-01 72.782893365770 1982-07-01 71.145388495046 1982-10-01 70.674709489788 1983-01-01 71.489706762014 1983-04-01 73.598592426438 1983-07-01 73.777349672425 1983-10-01 74.795717752381 1984-01-01 77.470139848415 1984-04-01 77.476378052671 1984-07-01 76.124741838716 1984-10-01 75.376507306169 1985-01-01 75.822979763360 1985-04-01 75.420418634142 1985-07-01 75.643749970065 1985-10-01 76.002596893254 1986-01-01 77.983362704572 1986-04-01 79.342675526376 1986-07-01 78.926200502579 1986-10-01 78.042397328128 1987-01-01 78.193751723834 1987-04-01 77.535357878200 1987-07-01 78.269883892866 1987-10-01 76.594165155141 1988-01-01 78.744184556837 1988-04-01 79.958853055865 1988-07-01 80.888850492838 1988-10-01 80.831230767294 1989-01-01 82.969217900400 1989-04-01 83.114294535464 1989-07-01 82.425022815899 1989-10-01 82.077178481838 1990-01-01 83.395043399448 1990-04-01 82.499935442313 1990-07-01 80.058617675415 1990-10-01 76.475939872564 1991-01-01 76.350030132014 1991-04-01 76.688628128391 1991-07-01 76.989155693822 1991-10-01 74.966377256126 1992-01-01 75.793467010038 1992-04-01 76.133058296703 1992-07-01 76.032628148585 1992-10-01 76.571338080313 1993-01-01 78.672382791910 1993-04-01 77.285301764853 1993-07-01 77.336819058347 1993-10-01 79.639521914030 1994-01-01 82.048020909130 1994-04-01 80.916664886392 1994-07-01 81.702542041279 1994-10-01 80.764483445413 1995-01-01 82.101622161509 1995-04-01 81.465923622852 1995-07-01 80.933573212295 1995-10-01 80.686962488416 1996-01-01 82.206450674907 1996-04-01 80.526964710058 1996-07-01 80.264114901994 1996-10-01 79.803278573832 1997-01-01 80.741555901153 1997-04-01 80.443717481615 1997-07-01 79.637505803456 1997-10-01 78.846874488770 1998-01-01 79.808730106007 1998-04-01 79.247010212792 1998-07-01 78.475340237693 1998-10-01 78.310053736065 1999-01-01 79.729575777084 1999-04-01 77.568916798241 1999-07-01 75.789787110247 1999-10-01 76.132940706581 2000-01-01 79.465211548982 2000-04-01 78.173488048198 2000-07-01 77.137124925168 2000-10-01 74.247307030989 2001-01-01 75.269845994491 2001-04-01 72.826315662471 2001-07-01 74.340843903481 2001-10-01 68.179925017252 2002-01-01 73.820126170294 2002-04-01 73.803987113765 2002-07-01 72.391539767423 2002-10-01 72.709239800628 2003-01-01 71.645482972723 2003-04-01 72.064270567772 2003-07-01 72.893985830450 2003-10-01 73.664573850891 2004-01-01 76.711037253090 2004-04-01 76.629430292201 2004-07-01 76.183993870183 2004-10-01 77.484897121139 2005-01-01 75.584542663823 2005-04-01 74.348585610118 2005-07-01 74.700788281190 2005-10-01 74.621459038054 2006-01-01 79.309800471840 2006-04-01 79.476609861122 2006-07-01 78.474998039011 2006-10-01 78.977357007763 2007-01-01 77.335822406145 2007-04-01 75.479644808415 2007-07-01 73.046005379717 2007-10-01 72.199746124418 2008-01-01 67.090189189018 2008-04-01 67.592357257291 2008-07-01 64.844154035031 2008-10-01 65.304615877567 2009-01-01 58.557342862243 2009-04-01 59.148181227301 2009-07-01 59.524012406395 2009-10-01 59.826239121561 2010-01-01 58.265522258628 2010-04-01 59.086112410498 2010-07-01 59.061404432976 2010-10-01 59.473492039214 2011-01-01 60.782334662974 2011-04-01 61.641904607267 2011-07-01 59.699050733215 2011-10-01 59.618378641758 2012-01-01 61.664417950421 2012-04-01 62.699496945214 2012-07-01 62.089520000000 2012-10-01 63.495119243198 2013-01-01 62.717960000000