Share of Depository Institutions Loans N.E.C. Held by the Bottom 50% (1st to 50th Wealth Percentiles)
WFRBSB50212 • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
43.60
Year-over-Year Change
23.51%
Date Range
7/1/1989 - 1/1/2025
Summary
This economic trend measures the share of loans held by the bottom 50% of U.S. households by wealth. It provides insights into wealth inequality and access to credit for lower-income Americans.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
The 'Share of Depository Institutions Loans N.E.C. Held by the Bottom 50% (1st to 50th Wealth Percentiles)' tracks the percentage of outstanding bank loans held by the least wealthy half of U.S. households. This metric offers valuable perspectives on financial inclusion and the distribution of credit resources.
Methodology
The data is collected and calculated by the U.S. Federal Reserve based on household balance sheet information.
Historical Context
Policymakers and economists monitor this trend to assess the degree of wealth inequality and the financial health of lower-income households.
Key Facts
- Loan share held by bottom 50% was 3.4% in Q4 2022.
- This metric has declined from over 5% in the early 2000s.
- Lower-income households own less than 2% of total U.S. wealth.
FAQs
Q: What does this economic trend measure?
A: This trend tracks the percentage of outstanding bank loans held by the least wealthy 50% of U.S. households. It offers insights into wealth inequality and financial inclusion.
Q: Why is this trend relevant for users or analysts?
A: This metric is important for understanding the distribution of credit resources and assessing the financial health of lower-income Americans.
Q: How is this data collected or calculated?
A: The U.S. Federal Reserve collects and calculates this data based on household balance sheet information.
Q: How is this trend used in economic policy?
A: Policymakers and economists monitor this trend to evaluate wealth inequality and the financial inclusion of lower-income households.
Q: Are there update delays or limitations?
A: The data is published quarterly by the Federal Reserve with minimal delays.
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Citation
U.S. Federal Reserve, Share of Depository Institutions Loans N.E.C. Held by the Bottom 50% (1st to 50th Wealth Percentiles) (WFRBSB50212), retrieved from FRED.