Title: CredAbility Consumer Distress Index for Ohio Series ID: CCDIOAOHQ156N 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 81.298980897971 1980-04-01 75.491631693407 1980-07-01 75.323299686832 1980-10-01 75.275147048578 1981-01-01 75.695599656247 1981-04-01 76.175453706934 1981-07-01 74.372395979608 1981-10-01 72.601605826690 1982-01-01 73.711856516493 1982-04-01 72.854772443938 1982-07-01 72.245467159610 1982-10-01 71.916286726977 1983-01-01 72.937244838365 1983-04-01 73.962333404956 1983-07-01 74.774245558452 1983-10-01 74.202503835647 1984-01-01 76.228124320489 1984-04-01 75.913661196684 1984-07-01 75.744157795438 1984-10-01 74.707313932506 1985-01-01 75.875387813644 1985-04-01 76.481367725464 1985-07-01 75.378472707299 1985-10-01 75.444492991866 1986-01-01 77.065750009837 1986-04-01 76.468285650777 1986-07-01 76.802214139724 1986-10-01 76.489217414659 1987-01-01 77.801644183925 1987-04-01 79.098148322321 1987-07-01 79.456269038818 1987-10-01 78.754992709934 1988-01-01 80.470995134444 1988-04-01 81.111757341039 1988-07-01 82.229770043433 1988-10-01 81.880064519783 1989-01-01 84.716064117432 1989-04-01 84.615380591151 1989-07-01 82.791433703889 1989-10-01 81.493025990462 1990-01-01 83.486988309562 1990-04-01 82.597204362286 1990-07-01 80.789757021120 1990-10-01 78.304296623503 1991-01-01 78.517234152120 1991-04-01 77.628515099369 1991-07-01 79.083581579486 1991-10-01 77.684081218568 1992-01-01 78.433379434774 1992-04-01 78.028771223498 1992-07-01 78.682417380609 1992-10-01 80.127701424889 1993-01-01 82.060093139895 1993-04-01 82.288043920609 1993-07-01 82.232644196131 1993-10-01 83.184400365743 1994-01-01 85.143838454074 1994-04-01 86.262801035994 1994-07-01 88.241751247668 1994-10-01 88.945563831954 1995-01-01 88.657169542149 1995-04-01 88.434819839288 1995-07-01 88.112696144259 1995-10-01 86.269657906382 1996-01-01 87.167103731433 1996-04-01 86.312661061710 1996-07-01 85.695742520296 1996-10-01 84.402798148700 1997-01-01 84.944823418223 1997-04-01 84.932993183194 1997-07-01 84.131895259427 1997-10-01 83.991017801919 1998-01-01 85.398260173551 1998-04-01 84.748354388456 1998-07-01 84.399926574392 1998-10-01 83.876413350608 1999-01-01 84.841344377402 1999-04-01 82.788281670118 1999-07-01 81.153448954354 1999-10-01 81.333604536960 2000-01-01 84.891853085483 2000-04-01 82.694848481101 2000-07-01 81.518673116910 2000-10-01 78.677898103990 2001-01-01 80.341326954688 2001-04-01 77.551366773034 2001-07-01 80.004859979768 2001-10-01 75.555142595860 2002-01-01 79.831375572913 2002-04-01 78.072843608167 2002-07-01 75.764836755032 2002-10-01 75.547354038014 2003-01-01 73.263760789143 2003-04-01 73.254872578223 2003-07-01 73.882967384233 2003-10-01 74.096836725396 2004-01-01 74.201114379319 2004-04-01 73.483460385885 2004-07-01 73.112135377783 2004-10-01 73.357472678494 2005-01-01 72.573693840513 2005-04-01 71.157931252628 2005-07-01 70.207373270787 2005-10-01 69.553387654728 2006-01-01 75.790406733025 2006-04-01 74.680652516489 2006-07-01 72.608582285999 2006-10-01 73.451537014592 2007-01-01 74.354642674138 2007-04-01 72.194276037467 2007-07-01 71.500335264871 2007-10-01 70.418418198099 2008-01-01 68.732720791440 2008-04-01 68.883344512799 2008-07-01 67.577078248335 2008-10-01 67.270828577834 2009-01-01 62.734449879883 2009-04-01 64.459717904262 2009-07-01 62.506234531598 2009-10-01 62.755719383958 2010-01-01 64.170768202391 2010-04-01 64.774290579285 2010-07-01 64.731076758193 2010-10-01 65.354645540849 2011-01-01 65.731340541020 2011-04-01 67.754355696017 2011-07-01 65.470374782359 2011-10-01 66.683840955864 2012-01-01 68.909987332496 2012-04-01 70.601216390525 2012-07-01 70.504670000000 2012-10-01 71.166493921001 2013-01-01 69.839070000000