US Delinquency Rate on Lease Financing Receivables (Not Seasonally Adjusted)
US Delinquency Rate on Lease Financing Receivables (Not Seasonally Adjusted) stood at 1.1% in Q2 2026, according to FRED (Federal Reserve Bank of St. Louis). It is one of the indicators in the Bank loans and delinquencies table (Value · Quarterly), with a complete series running from Q1 1987 to Q2 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank loans and delinquencies table
| Indicator | Q2-2026 | Q1-2026 | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | Q2-2024 | Q1-2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| DELINQUENCY RATE (not seasonally adjusted) | |||||||||||
| Lease financing | 1.1 | 1.21 | 1.3 | 1.11 | 1.02 | 1.18 | 1.18 | 1.06 | 1.09 | 1.13 | |
| Commercial and industrial loans | 1.24 | 1.36 | 1.37 | 1.3 | 1.26 | 1.31 | 1.3 | 1.15 | 1.13 | 1.13 |
Understanding US Delinquency Rate on Lease Financing Receivables (Not Seasonally Adjusted)
United States ratio of finance lease overdue debt to finance lease credit reflects credit risk in machinery, equipment, and transport vehicle financing through overdue debt proportions in long-term asset lease contracts, published by the Federal Reserve. Unlike conventional commercial loans, the credit provider holds legal ownership over the asset throughout the contract term. This statistic excludes non-business asset leases or standard asset mortgage credit transactions.
The report retains raw unadjusted seasonal data, causing late payment ratios to rise during tax settlement periods or corporate year-end operating expense payment concentration dates. To eliminate this cyclical impact, analysts are recommended to use year-on-year comparison methods. Data is published periodically on a quarterly basis, and the most recent figure is subject to review and revision in the subsequent period.
Frequently asked questions
- What is the fundamental difference between financial leasing and commercial lending?
- In financial leasing, the bank retains asset ownership until contract maturity, whereas lending provides funds for the borrower to own the asset.
- What assets typically appear in the financial leasing segment?
- The most common are industrial assembly lines, construction machinery, medical equipment, and business transport fleets.
- What does a rising overdue ratio in this segment signal?
- This sign shows that manufacturing and service enterprises are struggling to maintain daily operational cash flows.