ZIP profile

Banking access in ZIP 97538

Oregon · Josephine OR. Source year 2025.

Banking-desert dominant

The published Financial Access Pressure Index is 93.795. 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 index93.795
National pressure rank#274 of 20,307
National percentile97.36
State pressure rank#8 of 246
State percentile95.53
Weighted banking-desert geography87.59%
Weighted potential-desert geography12.41%
Population banking-desert exposure84.66%
Population potential-desert exposure15.34%
Allocated population1,827.25
Allocated population in banking deserts1,547.02

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-Hispanic27.6927.69100.00%LIMITED
Asian non-Hispanic27.0527.05100.00%LIMITED
Black non-Hispanic1.100.000.00%LIMITED
Residents with disabilities367.65301.4081.98%LIMITED
Hispanic29.2527.6994.70%LIMITED
Older residents408.82313.0176.56%LIMITED
Other race non-Hispanic0.000.00UnavailableNOT_AVAILABLE
People of color168.54144.2785.60%LIMITED
Two or more races non-Hispanic83.4661.8374.09%LIMITED
White non-Hispanic1,658.711,402.7584.57%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 →