Consumer and Labor Income
Tracks whether final demand is funded by wages and income or by savings depletion and credit.
Layer Health Score
62
Current strength from layer metric scores weighted by data confidence.
Layer Stress Buffer
28
How much cushion this layer has against overheating and deterioration signals. Higher means more room.
Layer Data Confidence
3
Freshness, estimate labeling, and source coverage for this layer.
Consumer and Labor Income Trend
Positive Drivers
Credit Card Delinquency Trend+2.2
Consumer Credit ComplexChange 0New York Fed seed fixture
Credit Card Delinquency Trend+0.6
Household DebtChange 1New York Fed seed fixture
Negative Drivers
Credit Card Delinquency Trend-1.6
Household DebtChange 1New York Fed seed fixture
Credit Card Delinquency Trend-0.0
Consumer Credit ComplexChange 0New York Fed seed fixture
Layer Metrics
| Metric | Layer | Direction | Weight | Latest | Data Confidence |
|---|---|---|---|---|---|
| Real Disposable Personal Income Growth | Consumer and Labor Income | Higher is better | 0.2 | -0.3 | 0 |
| Personal Consumption Expenditure Growth | Consumer and Labor Income | Middle range is better | 0.2 | 2.4 | 0 |
| Revolving Consumer Credit Growth Acceleration | Consumer and Labor Income | Lower is better | 0.2 | 3.2 | 0 |
| Unemployment Rate Six-Month Change | Consumer and Labor Income | Lower is better | 0.2 | 0.56 | 0 |
| Credit Card Delinquency Trend | Consumer and Labor Income | Lower is better | 0.2 | 2 | 11 |
Layer Alerts
| Severity | Date | Title | Layer | Entity | Evidence |
|---|---|---|---|---|---|
| Warning | Labor-market stress rose over six months The unemployment rate increased by at least 0.5 percentage points over six months. | Consumer and Labor Income | US Labor Market | ||
| Watch | Consumer spending rose while real income weakened Real disposable income declined while consumer spending rose and revolving credit accelerated. | Consumer and Labor Income | US Consumer Macro |