{"id":386919,"date":"2026-07-05T12:37:50","date_gmt":"2026-07-05T12:37:50","guid":{"rendered":"https:\/\/www.newsbeep.com\/us-ca\/386919\/"},"modified":"2026-07-05T12:37:50","modified_gmt":"2026-07-05T12:37:50","slug":"california-credit-dashboard-california-policy-lab","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us-ca\/386919\/","title":{"rendered":"California Credit Dashboard – California Policy Lab"},"content":{"rendered":"

\t\t\t
\nLatest Update: June 17, 2026<\/p>\n


\nCharts<\/p>\n

Existing credit balances<\/a><\/p>\n

New loan originations<\/a><\/p>\n

Financial distress<\/a><\/p>\n

Access to credit<\/a><\/p>\n

<\/p>\n


\nInsights<\/p>\n

California Financial Trends<\/a> snapshot<\/p>\n

Periodically, the California Policy Lab publishes Data Points highlighting trends in the data or diving deep on a specific issue.<\/p>\n


\nAbout the California Credit Dashboard<\/p>\n

California is the fifth largest economy in the world and has more people than the least populous 22 US states combined. What happens in California affects the world.<\/p>\n

Yet to date there has been little information available about household financial balance sheets at the state level. The California Credit Dashboard seeks to fill that gap.<\/p>\n

The Dashboard provides measures of financial health for California\u2019s diverse population. What type of debts do they have? How many are delinquent? What is the current pace of originations? How are credit scores faring? Our data come from one of the three nationwide credit bureaus.<\/p>\n

We break out data by subgroups so that users can compare different profiles. We currently provide breakdowns by loan types, regions, and age groups. In the future, we hope to provide more breakdowns.<\/p>\n

Feedback? Please email creditdashboard@capolicylab.org<\/a>.
<\/p>\n

Media coverage and press releases<\/p>\n

KTVU: Interview with Evan White about diverging financial trends for Californians<\/a> (March 4, 2026)<\/p>\n

MarketWatch: They\u2019re in their 60s and still paying off student loans. College debt in America now lasts a lifetime<\/a> (Dec 19, 2025)<\/p>\n

The American Prospect: GOP Forcing Eight Million Student Loan Borrowers Into Repayment<\/a> (Dec 16, 2025)<\/p>\n

Sacramento Bee: Student loans crisis looms as Biden-era payment pause nears end, UC report warns<\/a> (Dec 11, 2025)<\/p>\n

CBS News: Move to end SAVE plan for borrowers comes as California student loan delinquencies surge<\/a> (Dec 11, 2025)<\/p>\n

KQED: What to Know About Repaying Student Loans, as Delinquency in California Skyrockets<\/a> (Dec 5, 2025)<\/p>\n

LAist: Californians are falling behind on student loan payments \u2014 and most \u2018delinquents\u2019 aren\u2019t who you\u2019d expect<\/a> (Sept 18, 2025)<\/p>\n

The Business Journal: Student loan delinquency rates climb as payments resume; Valley above state average<\/a> (Sept 18, 2025)<\/p>\n

Palm Springs Desert Sun: The number of Californians late on paying back student loans has climbed, analysis finds<\/a> (Sept 17, 2025)<\/p>\n

SF Chronicle: Boomers, Gen X, Millennials or Gen Z: Who\u2019s hurting most from student loans in California?<\/a> (Sept 17, 2025)<\/p>\n

CBS News: California student loan delinquencies surge: 1 in 10 borrowers more than a month behind in payments<\/a> (Sept 17, 2025)<\/p>\n

KTVU: Interview about Q4, 2024 Trends<\/a> (Feb 28, 2025)<\/p>\n

Los Angeles Times: High interest rates are hurting people. Here\u2019s why it\u2019s worse for Californians<\/a> (June 28, 2024)<\/p>\n

Newsweek: Current Mortgage and Refinance Rates in California Newsweek<\/a> (June 26, 2024)<\/p>\n

MarketWatch: A $114,000 salary makes you feel poorer than your parents. These 6 metrics show why<\/a>. (June 1, 2024)<\/p>\n

Newsweek: California Has a Car Debt Problem<\/a> (June 3, 2024)<\/p>\n

Los Angeles Times: As more Californians fall behind in making debt payments, one group stands out<\/a> (May 24, 2024)<\/p>\n

Los Angeles Times: Why Biden is getting little credit for the economy, especially in California<\/a> (April 10, 2024)<\/p>\n

KPBS: Report: San Diego, Imperial County car loans are getting bigger<\/a> (April 10, 2023)<\/p>\n

Sacramento Bee: Eight million Californians have auto loans, but more and more struggle to pay them off<\/a> (April 4, 2023)<\/p>\n

Capitol Public Radio: Interview with Evan White, co-author of research brief focused on auto loans in California<\/a> (April, 2023)<\/p>\n

Previous press releases:<\/p>\n

Q4, 2025 update: California\u2019s Pocketbook Trends Are Diverging: Many Falling Behind, a Few Getting Further Ahead<\/a> (March 2026)<\/p>\n

Q3, 2025 update: New Analysis Shows Student Loan Distress is About to Go from Bad to Worse<\/a> (Dec 2025)<\/p>\n

Q2, 2025 update: Student loan delinquencies surging, especially for older borrowers<\/a> (Sept 2025)<\/p>\n

Q4, 2024 update: Q4 Update: Increasing signs of financial strain<\/a> (Feb 2025)<\/p>\n

Q2, 2024 update: Monthly Student Loan Payments Are 40% Lower, Car Loan Amounts Are Down, and Mortgage Amounts Are Up<\/a> (Sept 2024)<\/p>\n

Q1, 2024 update: Delinquencies Decrease Slightly, Credit Scores Increase Slightly, and New Mortgages Up $30,000<\/a> (May 2024)<\/p>\n

Q4, 2023 update: Dashboard adds New Snapshot of Key Trends \u2013 Such as Rising Delinquencies<\/a> (March 2024)<\/p>\n

Q2, 2023 update: California Credit Dashboard Updated with Q2 Data<\/a> (Nov 2023)<\/p>\n

Q1, 2023 update: New Data Finds Dramatic Changes in California\u2019s Mortgage Market Since 2020: Fewer Loans, but Larger Amounts<\/a> (July 2023)<\/p>\n

Q4, 2022 update: New Research Finds Startling Increases in Auto Loans in California<\/a> (April 2023)<\/p>\n

Q3, 2022 update: Introducing the California Credit Dashboard: Insights into the Financial Health of Californians<\/a> (December 2022)
<\/p>\n

Previous contributors<\/p>\n

Steve Ramos and Sarah Hoover were previously on the research team that manages the Dashboard.<\/p>\n

Changelog<\/p>\n

6\/17\/26:<\/p>\n

3\/3\/26:<\/p>\n

12\/10\/25:<\/p>\n

9\/17\/25:<\/p>\n

Added Q1 2025 and Q2 2025 data<\/p>\n

2\/27\/25:<\/p>\n

Added Q3 2024 and Q4 2024 data
\nBug fix to resolve issue with seasonal adjustment on credit utilization chart<\/p>\n

9\/4\/24:<\/p>\n

5\/20\/24:<\/p>\n

Added Q1 2024 data
\nSmall bug fixes, including issues with the CA average on some charts<\/p>\n

3\/22\/24:<\/p>\n

Added Q4 2023 data
\nLaunched Financial Trends snapshot
\nChanged credit utilization chart to average consumer-level utilization, rather than population-level utilization.<\/p>\n

11\/20\/23:<\/p>\n

Added Q2 2023 data, and new maps allowing users to plot changes in credit scores, total originations, and per capita originations.<\/p>\n

7\/27\/23:<\/p>\n

Added Q1 2023 data, new chart (monthly payments), and new map features (customizing date ranges and population filters).<\/p>\n

4\/4\/23:<\/p>\n

Added Q4 2022 data, new charts (total originations, foreclosures, repossessions, credit-card utilization), launched first map (delinquencies), new dashboard features (inflation adjustments, filter by credit score buckets).
\nUsed a 2% subsample, rather than 1%.
\nImplemented new method for eliminating tradeline duplicates where two tradelines have different trade keys but all other relevant attributes are the same. This reduced Ns and changed displayed values.<\/p>\n

12\/21\/22:<\/p>\n

Launched Dashboard with five charts: average balances, total outstandings, average originations, 30-day delinquency rates, and average credit scores. Charts had filters by region, generation, and loan type, and a seasonal adjustment option.<\/p>\n

(^ Top<\/a>)<\/p>\n","protected":false},"excerpt":{"rendered":"Latest Update: June 17, 2026 Charts Existing credit balances New loan originations Financial distress Access to credit Insights…\n","protected":false},"author":2,"featured_media":386920,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[7,9,8],"class_list":["post-386919","post","type-post","status-publish","format-standard","has-post-thumbnail","category-california","tag-california","tag-california-headlines","tag-california-news"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/posts\/386919","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/comments?post=386919"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/posts\/386919\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/media\/386920"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/media?parent=386919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/categories?post=386919"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-ca\/wp-json\/wp\/v2\/tags?post=386919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}