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 Texas (DISCONTINUED) Series ID: CCDIOATXQ156N 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 86.400147361470 1980-04-01 85.218021521271 1980-07-01 84.478388221326 1980-10-01 85.582709457642 1981-01-01 85.944826130562 1981-04-01 86.199403900630 1981-07-01 85.129769557935 1981-10-01 83.138123421353 1982-01-01 83.049836230351 1982-04-01 81.303378425736 1982-07-01 78.464217296923 1982-10-01 76.295697441378 1983-01-01 78.007050604956 1983-04-01 78.651090298541 1983-07-01 78.389768167973 1983-10-01 78.807027834927 1984-01-01 80.276830638498 1984-04-01 80.723257063921 1984-07-01 79.883987770015 1984-10-01 79.051581084105 1985-01-01 77.967699306634 1985-04-01 78.204056730421 1985-07-01 77.036154816104 1985-10-01 76.634906777208 1986-01-01 74.448947672935 1986-04-01 73.468252772995 1986-07-01 73.050486301755 1986-10-01 72.745243642050 1987-01-01 72.960628149281 1987-04-01 74.090172126797 1987-07-01 74.647839960982 1987-10-01 73.033604750501 1988-01-01 75.198221575248 1988-04-01 75.912904860727 1988-07-01 76.107914262231 1988-10-01 75.905260763423 1989-01-01 76.268143025507 1989-04-01 76.383109943523 1989-07-01 76.055434413992 1989-10-01 76.226400646262 1990-01-01 78.569915150378 1990-04-01 78.527641315411 1990-07-01 76.606096900856 1990-10-01 74.903078130311 1991-01-01 75.699734669498 1991-04-01 75.409376408494 1991-07-01 75.390091884560 1991-10-01 74.257571695873 1992-01-01 76.276878568611 1992-04-01 77.273037761443 1992-07-01 77.044141798318 1992-10-01 78.017449401056 1993-01-01 79.552140157840 1993-04-01 79.275235417209 1993-07-01 78.575016598153 1993-10-01 79.823894217440 1994-01-01 82.378565655882 1994-04-01 82.583275434399 1994-07-01 83.135654882750 1994-10-01 82.803708108690 1995-01-01 83.713299352147 1995-04-01 82.603944254572 1995-07-01 81.161271047754 1995-10-01 80.899821733741 1996-01-01 82.333482720089 1996-04-01 81.669855396138 1996-07-01 81.273563219394 1996-10-01 80.699181825262 1997-01-01 81.131773687768 1997-04-01 81.619030107721 1997-07-01 81.297586865984 1997-10-01 82.106262819897 1998-01-01 83.359652560155 1998-04-01 82.809592285461 1998-07-01 82.259810761190 1998-10-01 81.840581735226 1999-01-01 83.742757437614 1999-04-01 81.680072106813 1999-07-01 80.556071841973 1999-10-01 81.163443153357 2000-01-01 83.490363515763 2000-04-01 82.698703279003 2000-07-01 81.703983836169 2000-10-01 79.270453160991 2001-01-01 80.689741795756 2001-04-01 78.750696671660 2001-07-01 80.596097034552 2001-10-01 75.171250899877 2002-01-01 78.540471327899 2002-04-01 77.846496236580 2002-07-01 75.101849549283 2002-10-01 74.925373715910 2003-01-01 72.745115351458 2003-04-01 73.503543183275 2003-07-01 73.961277583551 2003-10-01 73.888990855026 2004-01-01 74.982727679713 2004-04-01 75.294119735110 2004-07-01 74.522033830769 2004-10-01 75.260120642128 2005-01-01 75.979143743880 2005-04-01 74.096707263921 2005-07-01 72.809521244566 2005-10-01 72.032413108312 2006-01-01 77.572499344472 2006-04-01 77.054336029202 2006-07-01 76.574578191987 2006-10-01 75.901261492232 2007-01-01 78.188618120391 2007-04-01 77.001238835189 2007-07-01 75.602221853349 2007-10-01 75.373782102529 2008-01-01 73.164065157150 2008-04-01 74.727224819410 2008-07-01 72.893551927214 2008-10-01 72.567524126056 2009-01-01 68.275812804387 2009-04-01 69.840208695962 2009-07-01 68.689281079811 2009-10-01 68.430353134366 2010-01-01 69.256481917315 2010-04-01 70.279120426229 2010-07-01 69.932837423265 2010-10-01 69.976884093878 2011-01-01 70.389028936891 2011-04-01 70.974962437446 2011-07-01 67.392524749579 2011-10-01 67.999993538087 2012-01-01 70.428126964533 2012-04-01 72.366056809932 2012-07-01 72.350680000000 2012-10-01 73.517949020332 2013-01-01 72.228260000000