Consumers in Colorado are about $20,000 in debt, a little more than the national average.

The figures were released this week by the Federal Reserve Bank of Kansas City in its quarterly 2011 report of seven states in the Tenth Federal Reserve District.

Overall, consumer debt in Colorado declined slightly in the second quarter, which is consistent with national trends. Mortgage delinquencies were below the average both nationally and for the Tenth District, which includes Colorado, Kansas, western Missouri, Nebraska, northern New Mexico, Oklahoma and Wyoming.

Revolving debt in Colorado also declined to $10,100, but is higher than the national average of $7,700. Just more than 2 percent of bank cards were delinquent, and more than 13 percent of student loans were delinquent. About 2 percent of auto loans were past due and 3.6 percent of mortgagees in Colorado were seriously delinquent, which is defined as 90 or more days past due or in foreclosure – that is lower than the national average of 6.9 percent and lower than the Tenth District which shows 4 percent.

About 148 of every 10,000 households filed for bankruptcy.

“These reports, which pull from large pools of national data, will help us track consumer credit issues over time and will provide a clearer picture of what is happening at the state and country levels,” said Kelly Edmiston, a senior economist at the Federal Reserve Bank of Kansas City. “By tracking these issues, we can help identify where there might be gaps in terms of access to credit and financial services.”

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