Datasets:

ProPhil
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american-distress-index

quarter stringlengths 7 7	composite float64 22.7 90	band int64 2 5	band_label stringclasses 4 values	delinquency float64 13.1 96.1	default_legal float64 2.87 99.5	debt_burden float64 0.58 99.4	labor float64 5.15 99.8	safety_net_buffer float64 0.18 99.8
2005-Q1	56.83	3	Typical	24.2	38.73	77.33	46.29	97.6
2005-Q2	55.43	3	Typical	19.13	38.73	78.49	41.75	99.08
2005-Q3	57.27	3	Typical	14.26	42.16	85.47	44.65	99.82
2005-Q4	55.44	3	Typical	13.14	42.16	81.98	41.94	97.97
2006-Q1	52.88	3	Typical	14.8	42.16	80.81	31.61	95.02
2006-Q2	54.45	3	Typical	18.35	42.16	83.14	33.21	95.39
2006-Q3	59.55	3	Typical	27.07	48.53	88.95	34.88	98.34
2006-Q4	61.16	4	High	31.04	52.94	90.12	34.65	97.05
2007-Q1	62.05	4	High	33.63	55.39	91.28	33.46	96.49
2007-Q2	65.17	4	High	38.8	63.73	94.77	32.62	95.94
2007-Q3	68.91	4	High	46.1	69.12	95.93	34.68	98.71
2007-Q4	73.62	4	High	50.05	76.96	99.42	42.2	99.45
2008-Q1	75.28	4	High	54.03	79.9	98.26	48.25	95.94
2008-Q2	74.41	4	High	57.33	82.84	87.79	56.43	87.64
2008-Q3	84.3	5	Severe	66.54	92.65	92.44	75.94	93.91
2008-Q4	84.4	5	Severe	74.03	88.24	97.09	85.5	77.12
2009-Q1	87.33	5	Severe	80.94	91.67	93.6	94.81	75.65
2009-Q2	84.51	5	Severe	83.83	96.57	86.63	96.29	59.23
2009-Q3	90	5	Severe	86.08	98.04	84.3	96.33	85.24
2009-Q4	89.51	5	Severe	91.43	99.51	79.65	95.43	81.55
2010-Q1	89.27	5	Severe	96.06	98.64	76.16	94.49	81
2010-Q2	85.26	5	Severe	93.1	96.66	75	93.63	67.9
2010-Q3	84.62	5	Severe	92.33	94.92	73.84	93.02	69
2010-Q4	84.68	5	Severe	92.98	94.65	72.67	91.3	71.77
2011-Q1	81.09	5	Severe	91.95	91.44	71.51	87.44	63.1
2011-Q2	80.93	5	Severe	89.96	89.19	70.35	89.26	65.87
2011-Q3	79.58	4	High	88.94	89.22	69.19	87.49	63.1
2011-Q4	77.01	4	High	85.49	86.45	68.02	82.89	62.18
2012-Q1	72.3	4	High	79.48	82.17	66.86	78.56	54.43
2012-Q2	70.05	4	High	74.92	77.9	64.53	79.75	53.14
2012-Q3	71.39	4	High	73.93	80.57	65.7	79.38	57.38
2012-Q4	63.08	4	High	68.39	75.4	49.42	78.85	43.36
2013-Q1	71.43	4	High	64.82	68.47	63.37	73.59	86.9
2013-Q2	65.06	4	High	58.01	58.78	55.23	71.18	82.1
2013-Q3	62.89	4	High	52.06	55.9	58.72	64.76	83.03
2013-Q4	64.42	4	High	50.13	55.9	62.21	65.69	88.19
2014-Q1	60.69	4	High	47.37	52.54	61.05	59.49	83.03
2014-Q2	53.39	3	Typical	44.69	52.32	37.79	54.11	78.04
2014-Q3	52.88	3	Typical	41.23	49.55	43.6	49.57	80.44
2014-Q4	48.71	3	Typical	38.5	45.92	40.12	42.61	76.38
2015-Q1	43.38	3	Typical	33.42	43.65	31.98	39.97	67.9
2015-Q2	42.98	3	Typical	32.75	41.53	29.65	36.97	73.99
2015-Q3	43.51	3	Typical	33.26	39.64	35.47	32.79	76.38
2015-Q4	46.38	3	Typical	34.67	42.18	48.26	31.69	75.09
2016-Q1	45.27	3	Typical	33.99	37.75	51.74	30.2	72.69
2016-Q2	47.7	3	Typical	35.83	36.61	52.91	30.13	83.03
2016-Q3	48.43	3	Typical	37.29	36.79	54.07	28.75	85.24
2016-Q4	49.84	3	Typical	39.83	39.44	59.88	27.01	83.03
2017-Q1	45.15	3	Typical	40.37	36.7	45.93	23.44	79.34
2017-Q2	45.29	3	Typical	43.86	38.97	50.58	21.98	71.03
2017-Q3	47.74	3	Typical	47.66	38.99	57.56	23.46	71.03
2017-Q4	48.99	3	Typical	45.96	44.7	56.4	19.86	78.04
2018-Q1	44.22	3	Typical	48.74	41.29	41.28	15.79	73.99
2018-Q2	39.79	2	Low	46.95	34.63	34.3	13.54	69.56
2018-Q3	37.58	2	Low	49.82	31.8	36.63	7.5	62.18
2018-Q4	40.57	3	Typical	53.88	36.9	44.77	11.74	55.54
2019-Q1	36.53	2	Low	52.65	37.66	30.81	11.91	49.63
2019-Q2	36.86	2	Low	53.24	28.77	38.95	8.53	54.8
2019-Q3	38.18	2	Low	52.83	30.9	42.44	6.25	58.49
2019-Q4	43.82	3	Typical	54.74	47.5	47.09	9.8	59.96
2020-Q1	45.27	3	Typical	61.18	31.86	33.14	55.91	44.28
2020-Q2	38.27	2	Low	46.28	43.34	1.74	99.82	0.18
2020-Q3	35.02	2	Low	38.1	33.87	5.23	96.59	1.29
2020-Q4	30.55	2	Low	37.94	8.38	7.56	87.05	11.81
2021-Q1	25.63	2	Low	35.36	7.42	0.58	84.22	0.55
2021-Q2	30.16	2	Low	29.67	5.15	2.91	78.19	34.87
2021-Q3	25.9	2	Low	25.56	2.87	4.07	51.23	45.76
2021-Q4	22.74	2	Low	24.15	5.28	6.4	20.48	57.38
2022-Q1	28.88	2	Low	24.81	3.83	8.72	13.68	93.36
2022-Q2	29.62	2	Low	22.55	7.55	13.37	7.59	97.05
2022-Q3	28.47	2	Low	23.35	8.31	11.05	5.35	94.28
2022-Q4	29.83	2	Low	26.84	9.83	14.53	5.15	92.8
2023-Q1	27.86	2	Low	31.16	14.3	9.88	6.81	77.12
2023-Q2	31.02	2	Low	35.32	30.46	12.21	9.94	67.16
2023-Q3	35.83	2	Low	40.92	42.2	15.7	11.86	68.45
2023-Q4	37.94	2	Low	47.04	49.4	19.19	8.94	65.13
2024-Q1	37.63	2	Low	49.65	52.05	18.02	10.28	58.12
2024-Q2	39.04	2	Low	52.76	49.15	16.86	14.27	62.18
2024-Q3	43.8	3	Typical	54.06	51.43	25	18.4	70.11
2024-Q4	46.58	3	Typical	61.33	54.32	22.67	16.54	78.04
2025-Q1	45.03	3	Typical	61.16	52.81	20.35	15.18	75.65
2025-Q2	45.82	3	Typical	61.43	50.53	23.84	19.29	73.99
2025-Q3	48.21	3	Typical	60.24	49.4	27.33	20.12	83.95
2025-Q4	48.63	3	Typical	59.78	48.26	28.49	20.09	86.53
2026-Q1	46.05	3	Typical	61.22	44.85	26.16	16.48	81.55
2026-Q2	46.99	3	Typical	61.56	44.85	21.51	16.44	90.59

American Distress Index - October 2026 release

Publisher: American Default Research. Creator: Ross Kilburn, American Default Research.

This is a dated public research dataset containing 86 quarterly derived national composite and domain scores, 2005 Q1 through 2026 Q2, from the October 2026 edition. It is a descriptive U.S. household financial distress measure, not an official government statistic.

Files

adi-october-2026.csv: one row per quarter; composite, national bands, and five domain scores.
data-dictionary.json: field definitions.
SOURCE_LICENSES.md: attribution and source-rights boundary.

Methodology and interpretation

Inputs are oriented so higher means more distress, ranked within each input's available quarterly history using Hazen percentiles, averaged within five domains, and then averaged across equally weighted domains. The five domains cover late loan payments, lenders' losses, debt-payment burdens, labor and saving. Input histories and availability differ.

The composite is a mean of input percentiles, not the percentage of households in distress or the composite's own percentile among published quarters. It is not a forecast, causal estimate, individual risk score or advice. Historical values can change when source observations or methods are revised; this file preserves the dated October edition. Do not treat its final quarter as the current quarter or mix editions without documenting the change.

Persistent identifier

Edition DOI: 10.5281/zenodo.23887780. The DOI identifies the October 2026 dataset edition deposited on Zenodo, not the organization or the changing index series.

Publisher: American Default Research. Author: Ross Kilburn. ORCID: 0009-0007-2808-679X.

Provenance

Downloaded anonymously from the publisher on 2026-11-02. The CSV's 86 quarter/composite pairs were checked exactly against the dated release JSON. Only the CSV comment header was removed for machine readability; values were not recomputed or changed.

Original CSV: https://americandefault.org/api/downloads/adi.csv (mutable current download)
Dated release: https://americandefault.org/api/releases/adi-2026-10.json
Methodology, source series and limitations: https://americandefault.org/methodology/
Public read-only MCP access: https://americandefault.org/press/mcp/

License and attribution

CC BY 4.0 applies only to American Default Research's derived analysis included here. No upstream observation history, restricted warehouse data or household-level record is included. Source publishers retain their own rights; this package does not relicense their data or grant AI-training rights to upstream FRED data.

Suggested citation: American Default Research (2026), American Distress Index, October 2026 release, https://americandefault.org/api/releases/adi-2026-10.json, CC BY 4.0. Attribute American Default Research, identify the edition and disclose changes.

Contact: research@americandefault.org

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