ZIP profile

Banking access in ZIP 49099

Michigan · St. Joseph MI. Source year 2025.

Non-desert with desert exposure

The published Financial Access Pressure Index is 14.6194. 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 index14.6194
National pressure rank#3,732 of 20,307
National percentile79.16
State pressure rank#135 of 742
State percentile80.73
Weighted banking-desert geography14.62%
Weighted potential-desert geography0.00%
Population banking-desert exposure11.55%
Population potential-desert exposure0.00%
Allocated population5,261.74
Allocated population in banking deserts607.98

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-Hispanic8.972.7130.22%LIMITED
Asian non-Hispanic14.807.6551.68%LIMITED
Black non-Hispanic7.961.1214.02%LIMITED
Residents with disabilities883.6370.447.97%LIMITED
Hispanic337.7612.433.68%LIMITED
Older residents1,073.25170.0415.84%STANDARD
Other race non-Hispanic0.000.00UnavailableNOT_AVAILABLE
People of color475.5236.497.67%LIMITED
Two or more races non-Hispanic106.0312.5911.87%LIMITED
White non-Hispanic4,786.22571.4911.94%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 →