JPM · 10-Q · 2026Q2 · Full report
Consumer Credit Portfolio
JPMORGAN CHASE & CO · 2026-08-06 · Importance 49 · Surprise 32 · From source text
Total consumer credit exposure increased 2.3% to $1,915.2 billion at June 30, 2026 from $1,871.4 billion at December 31, 2025, driven primarily by a $48.7 billion increase in credit card exposure. Consumer exposure excluding credit cards declined to $440.9 billion from $445.8 billion, mainly because residential real estate loans decreased to $300.7 billion from $303.5 billion. Consumer nonaccrual loans declined to $4.4 billion from $4.7 billion, while total consumer net charge-offs increased to $2.2 billion in the second quarter from $2.1 billion and the charge-off rate rose to 1.42% from 1.38%. Auto and other net charge-offs declined for the first six months, primarily because of improved used-vehicle valuations.
Key facts
- Consumer total credit portfolio at June 30, 2026: $1,915,166 million; at December 31, 2025: $1,871,408 million. source
- Carrying value of retained home equity lines of credit outstanding at June 30, 2026: $13.2 billion, including $3.3 billion of HELOCs that have recast and $3.0 billion of interest-only balloon HELOCs that primarily mature after 2030. source
- Consumer retained loans (excluding credit card) at June 30, 2026: $367,128 million; at December 31, 2025: $368,741 million. source
- Residential real estate credit exposure at June 30, 2026: $300,664 million; at December 31, 2025: $303,531 million. source
- Carrying value of retained interest-only residential mortgage loans at June 30, 2026: $89.1 billion; at December 31, 2025: $88.8 billion. source
- Changes in consumer, excluding credit card, nonaccrual loans: beginning balance six months ended June 30, 2026: $4,673 million; additions: $1,713 million; reductions total: $1,938 million; ending balance: $4,448 million. source
- Auto and other consumer credit exposure at June 30, 2026: $66,464 million; at December 31, 2025: $65,210 million. source
- Consumer, excluding credit card, nonaccrual loans at June 30, 2026: $4,448 million; at December 31, 2025: $4,673 million. source
Impact estimates
| metric | direction | stage | expected | basis |
|---|---|---|---|---|
| assets | negative | realized | -0.1% | Residential real estate credit exposure at June 30, 2026: $300,664 million; at December 31, 2025: $303,531 million. |
| assets | positive | realized | +0.0% | Auto and other consumer credit exposure at June 30, 2026: $66,464 million; at December 31, 2025: $65,210 million. |
| assets | positive | realized | +0.0% | Carrying value of retained interest-only residential mortgage loans at June 30, 2026: $89.1 billion; at December 31, 2025: $88.8 billion. |
| assets | positive | realized | 0.0% | Changes in consumer, excluding credit card, nonaccrual loans: beginning balance six months ended June 30, 2026: $4,673 million; additions:… |