ZIP profile

Banking access in ZIP 49042

Michigan · St. Joseph MI. Source year 2025.

Non-desert with desert exposure

The published Financial Access Pressure Index is 1.2179. Higher values indicate more measured physical banking-access pressure. This measure does not identify bank branches, drive-through hours, individual banking behavior, or overall neighborhood quality.

Banking-access measures

Pressure index1.2179
National pressure rank#6,518 of 20,307
National percentile65.28
State pressure rank#261 of 742
State percentile63.75
Weighted banking-desert geography1.22%
Weighted potential-desert geography0.00%
Population banking-desert exposure1.15%
Population potential-desert exposure0.00%
Allocated population4,979.23
Allocated population in banking deserts57.30

Geographic shares and population shares use different denominators. Published ranks and percentiles are preserved, including ties. Population estimates are displayed to two decimals; exact source values are in the downloads.

People & financial access

Estimated population-group exposure to banking-desert geography. These are allocated estimates, not counts of unbanked people. Groups overlap and must not be added together.

Population groupRepresented estimateExposed estimateExposure shareEvidence tier
American Indian / Alaska Native non-Hispanic0.790.2632.40%LIMITED
Asian non-Hispanic14.120.725.11%LIMITED
Black non-Hispanic10.520.111.00%LIMITED
Residents with disabilities839.386.640.79%LIMITED
Hispanic214.751.170.55%LIMITED
Older residents874.2616.031.83%LIMITED
Other race non-Hispanic0.000.00UnavailableNOT_AVAILABLE
People of color436.373.440.79%LIMITED
Two or more races non-Hispanic196.201.190.60%LIMITED
White non-Hispanic4,542.8553.861.19%STANDARD

Evidence tiers are passed through from the source. Missing ranks or rates remain unavailable. A zero exposure share does not guarantee that a branch is open or nearby.

Source year: 2025 in the governed ZIP profile view. Exported October 13, 2026; the export date is not an observation date. Population figures are allocated estimates; groups can overlap. Sources and interpretation →