household_credit_board

io.github.beepboop2025/liquilens · Verify this server

Answers ONE question: whether stress is reaching US HOUSEHOLD balance sheets — not firms (corporate_transmission_board), not banks (failure_radar_board), not money-market plumbing (the Seiche sibling server). Read the Household Credit board: is stress transmitting through US household balance sheets? From free public data (FRED keyless): Fed quarterly delinquency and charge-off legs (card, consumer, mortgage, card charge-offs — level vs each leg's own trailing decade AND the yoy direction; falling never scores), G.19 revolving-credit velocity (two-sided — both tails historically meant stress), and the debt-service ratio as unscored context. The transmission thesis runs household -> corporate -> institution: this board confirms what the funding boards lead. Channels that cannot be read are listed in cannot_see, never reported as calm. Display-only: feeds no institution score and no watchlist tier. Returns ~4KB slim by default; pass full:true for thresholds, method prose and full sparklines.