Title: CredAbility Consumer Distress Index for Idaho (DISCONTINUED) Series ID: CCDIOAIDQ156N 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 82.330772257314 1980-04-01 78.568249476341 1980-07-01 78.565024821706 1980-10-01 78.711505535117 1981-01-01 78.883166410580 1981-04-01 78.840169987803 1981-07-01 77.517075251243 1981-10-01 74.754015552470 1982-01-01 74.214899336058 1982-04-01 74.741248553329 1982-07-01 74.368705676305 1982-10-01 73.697772507780 1983-01-01 75.031140236803 1983-04-01 77.712814325607 1983-07-01 77.063492753394 1983-10-01 76.801584105555 1984-01-01 78.181403369817 1984-04-01 78.980861463762 1984-07-01 78.764423301872 1984-10-01 78.008534483354 1985-01-01 78.067096353016 1985-04-01 77.952377501737 1985-07-01 76.627303910613 1985-10-01 76.524928516994 1986-01-01 77.109863632481 1986-04-01 76.457275225983 1986-07-01 75.903209391241 1986-10-01 75.159616139775 1987-01-01 75.181291556458 1987-04-01 75.680301574429 1987-07-01 77.419355105912 1987-10-01 77.216949406943 1988-01-01 81.227478011750 1988-04-01 81.090898328911 1988-07-01 80.874973487786 1988-10-01 83.403121283917 1989-01-01 84.946894767801 1989-04-01 85.538134639164 1989-07-01 84.028239389001 1989-10-01 84.362007944220 1990-01-01 85.937808783114 1990-04-01 85.319179422773 1990-07-01 84.180403513762 1990-10-01 80.934691155049 1991-01-01 81.458717132358 1991-04-01 81.127907292952 1991-07-01 81.770882701648 1991-10-01 80.607634574022 1992-01-01 80.255619684633 1992-04-01 81.258401705013 1992-07-01 81.536923626865 1992-10-01 82.780442333783 1993-01-01 83.003133478274 1993-04-01 82.596157632594 1993-07-01 83.192855513872 1993-10-01 85.135271899923 1994-01-01 86.648414906322 1994-04-01 86.596075379737 1994-07-01 87.034272682869 1994-10-01 86.453095515654 1995-01-01 86.385220040839 1995-04-01 85.084690292508 1995-07-01 85.041362429229 1995-10-01 84.542393289896 1996-01-01 83.933718487533 1996-04-01 82.891033914283 1996-07-01 82.682216167259 1996-10-01 82.554432904336 1997-01-01 82.370393551748 1997-04-01 81.741805459650 1997-07-01 82.464280505750 1997-10-01 82.031322255837 1998-01-01 82.325573129084 1998-04-01 81.603999433785 1998-07-01 81.874943604512 1998-10-01 82.131302272437 1999-01-01 82.222305289837 1999-04-01 79.784028725931 1999-07-01 78.529266344725 1999-10-01 79.300334630621 2000-01-01 80.902441713180 2000-04-01 80.216217624248 2000-07-01 80.036220132387 2000-10-01 77.092703014629 2001-01-01 78.680682932322 2001-04-01 76.170099649893 2001-07-01 79.182802644026 2001-10-01 74.891181099928 2002-01-01 79.859790886186 2002-04-01 78.419123450593 2002-07-01 76.833712890961 2002-10-01 77.118005742850 2003-01-01 74.634823373955 2003-04-01 75.145739528322 2003-07-01 75.866922284617 2003-10-01 76.483670025827 2004-01-01 77.020331799624 2004-04-01 77.426991749441 2004-07-01 76.777131592044 2004-10-01 77.459300473197 2005-01-01 76.008976660865 2005-04-01 74.613008765082 2005-07-01 73.956854816799 2005-10-01 74.205317715110 2006-01-01 78.138764075837 2006-04-01 77.875022271151 2006-07-01 76.901495155367 2006-10-01 78.127835946147 2007-01-01 78.029834402932 2007-04-01 77.498183339724 2007-07-01 76.545284149820 2007-10-01 77.883018905554 2008-01-01 72.663838627808 2008-04-01 75.243797519802 2008-07-01 72.005205140225 2008-10-01 69.862004851651 2009-01-01 66.469794749181 2009-04-01 66.261708077384 2009-07-01 65.026753857181 2009-10-01 64.867103286061 2010-01-01 66.132073483171 2010-04-01 65.531025904806 2010-07-01 65.785737370730 2010-10-01 66.556667721697 2011-01-01 66.664669258310 2011-04-01 69.718937587664 2011-07-01 66.352873308087 2011-10-01 67.180696031604 2012-01-01 68.787788475957 2012-04-01 71.049883699394 2012-07-01 70.288270000000 2012-10-01 73.002682632006 2013-01-01 71.596870000000