Underbanked Rates by Year for California

Characteristics 2013 (Percent) 2015 (Percent) 90% Confidence Interval, 2015 Difference (2015-2013) 90% Confidence Interval, Difference
All 17.0 19.1 (17.8, 20.4) 2.0* (0.2, 3.9)
Family income
Less than $15,000 19.6 26.1 (22.0, 30.7) 6.5* (1.2, 11.8)
$15,000 to $30,000 21.7 21.6 (18.4, 25.3) -0.1 (-4.8, 4.7)
$30,000 to $50,000 24.3 24.2 (20.8, 27.9) -0.2 (-5.2, 5.0)
$50,000 to $75,000 17.6 22.1 (18.7, 25.8) 4.5* (0.2, 8.8)
At least $75,000 9.8 12.0 (10.5, 13.7) 2.2 (-0.2, 4.6)
Education
No high school diploma 23.2 25.1 (21.7, 28.8) 1.8 (-2.8, 6.5)
High school diploma 20.0 20.1 (17.3, 23.4) 0.2 (-4.0, 4.4)
Some college 20.7 21.7 (19.3, 24.3) 1.0 (-2.5, 4.5)
College degree 10.4 14.3 (12.5, 16.3) 3.9* (1.4, 6.5)
Age group
15 to 24 years 29.6 28.9 (22.3, 36.5) -0.7 (-10.8, 9.4)
25 to 34 years 22.0 24.6 (21.2, 28.3) 2.6 (-2.1, 7.2)
35 to 44 years 18.9 18.7 (15.9, 21.7) -0.3 (-4.4, 3.9)
45 to 54 years 18.3 20.9 (17.5, 24.7) 2.6 (-1.8, 7.0)
55 to 64 years 14.0 17.0 (14.3, 20.2) 3.0 (-0.8, 6.8)
65 years or more 9.9 12.7 (10.5, 15.2) 2.8 (-0.3, 5.9)
Race/Ethnicity
Black 28.3 25.4 (19.7, 31.9) -3.0 (-11.3, 5.4)
Hispanic 25.4 26.9 (24.0, 29.9) 1.4 (-2.7, 5.6)
Asian 12.4 17.6 (13.9, 22.1) 5.2* (0.0, 10.4)
White 11.5 13.7 (12.2, 15.4) 2.2* (0.1, 4.4)
Other NA NA NA NA NA
Disability status
Disabled, age 25 to 64 19.8 28.0 (22.5, 34.2) 8.2 (-0.2, 16.6)
Not disabled, age 25 to 64 18.2 19.5 (17.8, 21.4) 1.3 (-1.0, 3.7)
Not applicable (not age 25 to 64) 13.3 15.7 (13.4, 18.3) 2.4 (-0.9, 5.8)
Employment status
Employed 18.3 21.0 (19.2, 22.9) 2.7* (0.3, 5.1)
Unemployed 18.7 NA NA NA NA
Not in labor force 14.3 14.9 (13.1, 16.8) 0.6 (-2.1, 3.2)
Homeownership
Homeowner 11.4 13.1 (11.5, 14.8) 1.6 (-0.7, 3.9)
Non-homeowner 23.7 25.9 (23.7, 28.2) 2.2 (-0.9, 5.2)
Household type
Married couple 17.7 18.1 (16.3, 20.0) 0.3 (-2.4, 3.1)
Unmarried female-headed family 23.2 25.2 (21.5, 29.4) 2.0 (-3.5, 7.4)
Unmarried male-headed family 21.4 25.9 (20.3, 32.5) 4.5 (-4.0, 12.9)
Female individual 12.5 13.6 (11.1, 16.6) 1.1 (-2.5, 4.7)
Male individual 13.4 20.2 (16.9, 23.9) 6.8* (2.4, 11.2)
Other NA NA NA NA NA
Nativity
U.S.-born 15.0 16.1 (14.8, 17.6) 1.2 (-0.8, 3.1)
Foreign-born citizen 20.2 22.1 (18.8, 25.7) 1.9 (-2.7, 6.4)
Foreign-born non-citizen 23.4 30.2 (26.2, 34.5) 6.8* (1.3, 12.4)
Spanish only language spoken
Spanish is not only language spoken 16.6 18.5 (17.2, 19.9) 1.8 (0.0, 3.7)
Spanish is only language spoken 22.9 32.1 (24.8, 40.4) 9.2 (-1.3, 19.7)
Metropolitan status
Metropolitan area - principal city 16.6 20.5 (18.5, 22.7) 3.9* (1.3, 6.5)
Metropolitan area - balance 17.1 17.6 (15.7, 19.6) 0.4 (-2.4, 3.2)
Not in metropolitan area NA 23.5 (21.3, 25.9) NA NA
Not identified 19.6 17.5 (12.8, 23.5) -2.1 (-9.3, 5.1)


~ indicates areas with geographic boundary changes between the 2013 and 2015 surveys.
* indicates differences that are statistically significant at the 10% level.
NA indicates that the sample size is too small to produce a precise estimate.

- indicates an estimate of zero. The population proportion may be slightly greater than zero.

Estimates do not always reconcile to totals because of rounding.