Title: CredAbility Consumer Distress Index for Kansas Series ID: CCDIOAKSQ156N 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 85.062639240243 1980-04-01 85.201723282165 1980-07-01 87.303593200023 1980-10-01 86.630884735116 1981-01-01 86.523259359565 1981-04-01 88.008563537271 1981-07-01 87.427608610099 1981-10-01 85.629068834270 1982-01-01 86.549897452940 1982-04-01 83.571711152601 1982-07-01 80.610574823307 1982-10-01 79.613236901437 1983-01-01 82.470675020739 1983-04-01 84.805477839198 1983-07-01 85.532287867812 1983-10-01 84.615799933561 1984-01-01 86.813677528585 1984-04-01 86.490062649225 1984-07-01 85.536551022966 1984-10-01 84.659629604309 1985-01-01 85.005402211497 1985-04-01 85.868109165519 1985-07-01 86.114029973145 1985-10-01 84.506975006302 1986-01-01 84.407938142166 1986-04-01 84.484191199149 1986-07-01 83.861249414154 1986-10-01 84.194063872454 1987-01-01 86.162754496307 1987-04-01 87.398224971274 1987-07-01 88.180449986935 1987-10-01 85.768378756406 1988-01-01 87.127534592235 1988-04-01 86.859915322986 1988-07-01 86.821665557769 1988-10-01 85.921856085050 1989-01-01 85.957530167744 1989-04-01 86.326384930880 1989-07-01 85.218905931267 1989-10-01 84.954459014609 1990-01-01 88.351600597172 1990-04-01 87.676679707436 1990-07-01 85.520247279331 1990-10-01 83.741042574293 1991-01-01 85.305204371700 1991-04-01 83.502743724938 1991-07-01 86.204386131715 1991-10-01 86.003743847053 1992-01-01 85.879452702879 1992-04-01 86.708726994460 1992-07-01 86.769773865828 1992-10-01 87.678675157620 1993-01-01 87.694246044970 1993-04-01 87.093393969789 1993-07-01 87.225699228759 1993-10-01 88.101416127840 1994-01-01 89.096134366633 1994-04-01 89.704163428707 1994-07-01 89.264132307951 1994-10-01 88.972203951200 1995-01-01 87.665270486629 1995-04-01 86.806005402826 1995-07-01 86.418613364801 1995-10-01 85.673875833798 1996-01-01 87.329178854604 1996-04-01 86.056048765748 1996-07-01 85.990323046159 1996-10-01 85.527680738781 1997-01-01 84.971353888589 1997-04-01 84.651159254631 1997-07-01 84.330855681265 1997-10-01 84.767614644989 1998-01-01 84.667388051042 1998-04-01 83.880097645790 1998-07-01 83.697714562623 1998-10-01 83.514005056012 1999-01-01 85.505848945989 1999-04-01 83.199308040993 1999-07-01 82.042342460243 1999-10-01 83.301614839399 2000-01-01 84.771507692067 2000-04-01 83.586768221446 2000-07-01 83.602080888622 2000-10-01 80.983431804165 2001-01-01 81.231476124702 2001-04-01 78.273772543150 2001-07-01 80.121531669803 2001-10-01 76.860604603044 2002-01-01 81.951802579212 2002-04-01 80.205954924775 2002-07-01 78.003759940559 2002-10-01 78.214839929863 2003-01-01 77.576769548343 2003-04-01 77.658787795713 2003-07-01 78.331382380251 2003-10-01 78.685509211016 2004-01-01 79.410326989184 2004-04-01 78.461628908927 2004-07-01 78.184075009532 2004-10-01 78.627877516837 2005-01-01 78.985761579903 2005-04-01 76.533544278365 2005-07-01 76.778038082249 2005-10-01 75.956226729066 2006-01-01 81.837862308493 2006-04-01 82.290178136658 2006-07-01 80.994230942519 2006-10-01 80.506831641763 2007-01-01 82.599449137045 2007-04-01 80.721569706907 2007-07-01 78.473815413852 2007-10-01 78.159161967955 2008-01-01 77.929910051397 2008-04-01 78.015429917315 2008-07-01 77.032022896197 2008-10-01 76.280866391858 2009-01-01 71.197802660776 2009-04-01 72.374584336825 2009-07-01 70.921735048447 2009-10-01 70.655720388054 2010-01-01 72.161486160600 2010-04-01 72.397401747291 2010-07-01 71.859040152593 2010-10-01 72.311917447821 2011-01-01 72.910865960959 2011-04-01 74.940910225884 2011-07-01 71.996019910800 2011-10-01 72.768683707189 2012-01-01 74.892522875616 2012-04-01 76.538900697043 2012-07-01 76.377610000000 2012-10-01 77.619687729685 2013-01-01 75.446730000000