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 Alaska (DISCONTINUED) Series ID: CCDIOAAKQ156N 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 79.646292001125 1980-04-01 78.671423298614 1980-07-01 79.660604706944 1980-10-01 80.705098901173 1981-01-01 81.024718828869 1981-04-01 81.251938238342 1981-07-01 79.864652227580 1981-10-01 78.856927692227 1982-01-01 79.042919661506 1982-04-01 78.892682119294 1982-07-01 78.464798928849 1982-10-01 77.687511052618 1983-01-01 77.522166334499 1983-04-01 77.468835108575 1983-07-01 77.102695648558 1983-10-01 76.634486375540 1984-01-01 76.874111796989 1984-04-01 76.804781617697 1984-07-01 76.411108736747 1984-10-01 77.512350670054 1985-01-01 74.924551249950 1985-04-01 75.216876719071 1985-07-01 73.546850853926 1985-10-01 73.417192923667 1986-01-01 70.809532933825 1986-04-01 70.999828859542 1986-07-01 71.389160833205 1986-10-01 72.284097603853 1987-01-01 70.239560615509 1987-04-01 70.837975106910 1987-07-01 71.587123565046 1987-10-01 71.611120176817 1988-01-01 71.576363218252 1988-04-01 72.198125564670 1988-07-01 72.010106503949 1988-10-01 73.992747215131 1989-01-01 76.121923568555 1989-04-01 78.473465640694 1989-07-01 79.170539526471 1989-10-01 79.957967802147 1990-01-01 79.116929601456 1990-04-01 80.563265800445 1990-07-01 79.923251997263 1990-10-01 79.576651671562 1991-01-01 79.370265237002 1991-04-01 76.757295668870 1991-07-01 77.034723129593 1991-10-01 77.130910805079 1992-01-01 78.225419856464 1992-04-01 79.223870761001 1992-07-01 79.499998952489 1992-10-01 81.086037026564 1993-01-01 82.124398859482 1993-04-01 82.176593488951 1993-07-01 82.348250146221 1993-10-01 83.156773029990 1994-01-01 83.703567910619 1994-04-01 84.201695016544 1994-07-01 84.753537391146 1994-10-01 84.975327987828 1995-01-01 85.196732400867 1995-04-01 84.579761421151 1995-07-01 84.042669072310 1995-10-01 82.956529921039 1996-01-01 82.738921774920 1996-04-01 82.575882596114 1996-07-01 82.985634747344 1996-10-01 82.547015955220 1997-01-01 82.383259373749 1997-04-01 83.599725932304 1997-07-01 83.764551655681 1997-10-01 84.744857739165 1998-01-01 84.876154170246 1998-04-01 84.943298359732 1998-07-01 83.438766582736 1998-10-01 83.863751290225 1999-01-01 83.619066386783 1999-04-01 82.482597198029 1999-07-01 80.865606050831 1999-10-01 83.778029471136 2000-01-01 84.129730426315 2000-04-01 82.455100382100 2000-07-01 81.192106633952 2000-10-01 79.563789041429 2001-01-01 81.938538507997 2001-04-01 80.832499057081 2001-07-01 81.840919406821 2001-10-01 79.324379382780 2002-01-01 83.015492936609 2002-04-01 81.729692763321 2002-07-01 79.121693025771 2002-10-01 80.787772495618 2003-01-01 76.721847195389 2003-04-01 78.059854350306 2003-07-01 79.091179357573 2003-10-01 79.271813141635 2004-01-01 80.202109714924 2004-04-01 80.433507754049 2004-07-01 80.288177027275 2004-10-01 80.671208060450 2005-01-01 79.998338844916 2005-04-01 79.556648071116 2005-07-01 78.538979692282 2005-10-01 77.119750816317 2006-01-01 78.783526614003 2006-04-01 78.872863994439 2006-07-01 78.189947603549 2006-10-01 79.503530803277 2007-01-01 78.796559656289 2007-04-01 78.795370743570 2007-07-01 78.038887918940 2007-10-01 78.841262505148 2008-01-01 77.511175872207 2008-04-01 78.054120408606 2008-07-01 77.823247046120 2008-10-01 78.292175304861 2009-01-01 76.203524880262 2009-04-01 76.714656655194 2009-07-01 74.338628949033 2009-10-01 75.755106490942 2010-01-01 76.239217725825 2010-04-01 76.709631832798 2010-07-01 75.586677329092 2010-10-01 77.041855428482 2011-01-01 76.821164804460 2011-04-01 78.069365506168 2011-07-01 75.874297633680 2011-10-01 77.117817632461 2012-01-01 77.304469109907 2012-04-01 78.720432983523 2012-07-01 78.214260000000 2012-10-01 79.478149692653 2013-01-01 78.201160000000