A line chart showing return on average assets and net charge-off rates for credit card lenders. The data includes institutions with credit card loans exceeding 50% of assets, including securitized receivables. In 1985, return on average assets was 1.3%; charge-off rates for all loans were 2.55%. In 1989, return on average assets was 1.9%; charge-off rates for all loans were 3.23%. In 1993, return on average assets was 3.6%; charge-off rates for all loans were 3.48%. In 1997, return on average assets was 2.1%; charge-off rates for all loans were 3.94%. In 2001, return on average assets was 3.6%; charge-off rates for all loans were 3.80%. In 2003, return on average assets was 3.6%; charge-off rates for all loans were 5.57%.