Issuer coverage

16 US card issuers tracked through Q1 2026. SEC 10-K/10-Q and FFIEC Call Reports are the primary sources.

Capital One

COFBank

Net charge-off rate

6.31%

Q1 2026, annualized

Discover

DFSBank

Net charge-off rate

—

Value outside plausible range

American Express

AXPBank

Net charge-off rate

3.67%

Q1 2026, annualized

Synchrony

SYFBank

Net charge-off rate

5.79%

Q1 2026, annualized

Bread Financial

BFHBank

Net charge-off rate

6.54%

Q1 2026, annualized

JPMorgan Chase

JPMBank

Net charge-off rate

4.40%

Q1 2026, annualized

Bank of America

BACBank

Net charge-off rate

5.40%

Q1 2026, annualized

Citi

CBank

Net charge-off rate

4.50%

Q1 2026, annualized

U.S. Bank

USBBank

Net charge-off rate

6.84%

Q1 2026, annualized

Wells Fargo

WFCBank

Net charge-off rate

7.54%

Q1 2026, annualized

Ally

ALLYBank

Net charge-off rate

—

Value outside plausible range

SoFi

SOFIFintech

Net charge-off rate

6.21%

Q1 2026, annualized

Affirm

AFRMFintech

Net charge-off rate

—

No data available

Robinhood

HOODFintech

Net charge-off rate

—

No data available

Visa

VBank

Net charge-off rate

—

No data available

Mastercard

MABank

Net charge-off rate

—

No data available

Source: SEC EDGAR 10-Q filings + FFIEC Call Reports. Updated June 4, 2026.Methodology