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 Kentucky (DISCONTINUED) Series ID: CCDIOAKYQ156N 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 80.229248364309 1980-04-01 77.177064736317 1980-07-01 77.434080763231 1980-10-01 76.640154143759 1981-01-01 76.817102917173 1981-04-01 78.188245529425 1981-07-01 77.189914205398 1981-10-01 74.207484576696 1982-01-01 76.252564358913 1982-04-01 75.825562285121 1982-07-01 74.104125147543 1982-10-01 72.684628937182 1983-01-01 74.695493004657 1983-04-01 76.614451682398 1983-07-01 75.609511464951 1983-10-01 74.780481668044 1984-01-01 76.990639824473 1984-04-01 76.994133104592 1984-07-01 77.243455273263 1984-10-01 76.361617451818 1985-01-01 77.655900126755 1985-04-01 76.586220467420 1985-07-01 75.883508666926 1985-10-01 75.202968791640 1986-01-01 76.154820267521 1986-04-01 77.343321256134 1986-07-01 77.487841820738 1986-10-01 76.489769739031 1987-01-01 78.080197356818 1987-04-01 79.437009016199 1987-07-01 79.441848837261 1987-10-01 77.621759756624 1988-01-01 79.549770465993 1988-04-01 79.425054467218 1988-07-01 79.866410499306 1988-10-01 79.115472234013 1989-01-01 82.349691719360 1989-04-01 82.053213844828 1989-07-01 80.742781976007 1989-10-01 80.227818305314 1990-01-01 82.504898431307 1990-04-01 81.224654544515 1990-07-01 79.075503691441 1990-10-01 76.065482295282 1991-01-01 75.986425421257 1991-04-01 75.356264668555 1991-07-01 76.422087966936 1991-10-01 75.325407452733 1992-01-01 77.277061727338 1992-04-01 78.911530183878 1992-07-01 78.970877588873 1992-10-01 79.759504814769 1993-01-01 81.191464468701 1993-04-01 81.240548509206 1993-07-01 82.056995800406 1993-10-01 83.449255919410 1994-01-01 86.038391186326 1994-04-01 86.470486739320 1994-07-01 86.831478009580 1994-10-01 86.651872842490 1995-01-01 86.006574326386 1995-04-01 84.759824062383 1995-07-01 84.062884713241 1995-10-01 83.655204575075 1996-01-01 84.119075758766 1996-04-01 83.703323014067 1996-07-01 83.130177968170 1996-10-01 81.118256633650 1997-01-01 80.642193720472 1997-04-01 81.929409449116 1997-07-01 82.329008643146 1997-10-01 83.247219837234 1998-01-01 84.488748173241 1998-04-01 84.286173477981 1998-07-01 84.112146712743 1998-10-01 83.062777152644 1999-01-01 83.499355887079 1999-04-01 81.977501884539 1999-07-01 80.852248246194 1999-10-01 80.920598464137 2000-01-01 82.455515139030 2000-04-01 82.280349862719 2000-07-01 81.342735046092 2000-10-01 78.801400754894 2001-01-01 79.918651922091 2001-04-01 77.356257943438 2001-07-01 78.327902262681 2001-10-01 72.913866827107 2002-01-01 78.762825519785 2002-04-01 78.902700728120 2002-07-01 76.446144955692 2002-10-01 75.671656880712 2003-01-01 74.097728505276 2003-04-01 74.254183024023 2003-07-01 74.847947194040 2003-10-01 75.236779157511 2004-01-01 78.185437626466 2004-04-01 77.652318554401 2004-07-01 77.149777756403 2004-10-01 77.260996207971 2005-01-01 74.039805784592 2005-04-01 72.394425228178 2005-07-01 71.517254764802 2005-10-01 70.187750120137 2006-01-01 77.021201187507 2006-04-01 74.994561938105 2006-07-01 73.727413935476 2006-10-01 74.051247081745 2007-01-01 75.831475042609 2007-04-01 73.528377758819 2007-07-01 72.950913239921 2007-10-01 71.937512084783 2008-01-01 69.754995627622 2008-04-01 69.912481260229 2008-07-01 67.828636636894 2008-10-01 69.243025768171 2009-01-01 63.311982477803 2009-04-01 64.614217624653 2009-07-01 62.366861380193 2009-10-01 63.263984910480 2010-01-01 65.977334539511 2010-04-01 66.728773085239 2010-07-01 65.504975447797 2010-10-01 65.872558234098 2011-01-01 66.511297027400 2011-04-01 68.031906268506 2011-07-01 63.977851716728 2011-10-01 65.151272632235 2012-01-01 67.903948859592 2012-04-01 69.609759585882 2012-07-01 69.839000000000 2012-10-01 70.497329166717 2013-01-01 68.974950000000