NEW YORK, Feb. 10 (Xinhua) -- Aggregate delinquency with US household debt worsened in the fourth quarter of 2025, according to a report issued by the Federal Reserve Bank of New York on Tuesday.

This photo taken on Jan. 19, 2023 shows the US Capitol building in Washington, D.C., the United States. (Photo by Ting Shen/Xinhua)

As of the end of December, 4.8 percent of outstanding debt was in some stage of delinquency, up 0.3 percentage points from the third quarter, said the latest Quarterly Report on Household Debt and Credit.

Transitions into early delinquency were mixed, with mortgages and student loans increasing while all other debt types holding steady.

Meanwhile, transitions into serious delinquency ticked up for credit card balances, mortgages and student loans, while auto loans and home equity line of credit decreased slightly.

"As household debt levels grow modestly, mortgage delinquencies continue to increase," said Wilbert van der Klaauw, an economic research advisor at the New York Fed.

"Delinquency rates for mortgages are near historically normal levels, but the deterioration is concentrated in lower-income areas and in areas with declining home prices," he added.

Total US household debt increased by 191 billion U.S. dollars quarter on quarter to 18.78 trillion dollars in the fourth quarter, said the report.