Report
Published January 7, 2025
Economic & Market Insights
The economy is heading into the new year on solid footing and the credit environment is showing early signs of stabilizing after two years of rising delinquency, tighter lending standards, and slowing credit growth. In the Q4 Lending Conditions Chartbook, Chief Economist Joseph Mayans breaks down key economic trends and dives deep into the latest developments in credit conditions across products and regions.
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Report
Q4 2025 Lending Conditions Chartbook
Despite tariff headwinds in 2025, the U.S. economy exceeded expectations and is positioned for continued growth. Improving credit dynamics point to a stronger lending environment in 2026.
- Solid economic momentum heading into the new year
- Improving lending standards and rising credit demand
- Stable delinquency trends support healthier credit conditions
Report
The Alt Labor Story
The longest U.S. government shutdown has paused official labor data, but private-sector insights reveal key trends shaping the job market. Alternative sources show slowing job creation, modestly higher unemployment, and signs of resilience consistent with the Fed’s outlook.
- Job growth weakened in late 2025 across major indicators
- Layoff announcements rose, but claims remain low
- Unemployment edged up in line with Fed projections
- Labor market stress remains relatively contained
Webinar
Macroeconomic forecasting and credit trends - November 2025
As we step closer to 2026, all eyes remain on the economic outlook, the labor market and consumer health. Experian’s Chief Economist Joseph Mayans, Director of Fintech Gavin Harding and Solution Insights Director Amanda Roth, will provide a look into:
- The latest economic and credit trends
- Labor market and consumer health
- Student loan update
Video
Rising Delinquencies Signal Growing Risk in Transportation & Warehousing
As the U.S. economy continues to recalibrate post-pandemic, the transportation and warehousing segments of the logistics sector are signaling caution. While the broader logistics industry has remained in expansion mode, Experian’s latest Commercial Pulse Report reveals that delinquencies are rising—an early warning of growing risk in two of the economy’s most critical subsectors.
Check out the full report to see how these trends could impact your strategy!