Underbanked Rates by Year for New York

Characteristics 2013 (Percent) 2015 (Percent) 90% Confidence Interval, 2015 Difference (2015-2013) 90% Confidence Interval, Difference
All 19.6 23.8 (22.0, 25.6) 4.2* (1.8, 6.7)
Family income
Less than $15,000 19.8 27.9 (23.3, 33.1) 8.1* (2.1, 14.1)
$15,000 to $30,000 26.2 30.4 (25.0, 36.4) 4.2 (-4.2, 12.7)
$30,000 to $50,000 23.8 32.2 (27.8, 37.0) 8.4* (2.1, 14.8)
$50,000 to $75,000 16.9 21.9 (17.7, 26.7) 4.9 (-1.2, 11.1)
At least $75,000 15.3 15.3 (12.7, 18.3) 0.0 (-3.7, 3.8)
Education
No high school diploma 22.0 28.8 (23.0, 35.4) 6.8 (-1.2, 14.8)
High school diploma 22.0 29.5 (26.1, 33.2) 7.5* (2.8, 12.2)
Some college 21.7 24.7 (20.9, 28.9) 3.0 (-2.6, 8.7)
College degree 15.7 17.4 (14.9, 20.3) 1.7 (-1.8, 5.2)
Age group
15 to 24 years NA NA NA NA NA
25 to 34 years 19.2 25.8 (20.7, 31.7) 6.6 (-0.4, 13.7)
35 to 44 years 23.9 25.8 (21.0, 31.3) 1.9 (-4.9, 8.7)
45 to 54 years 20.6 25.9 (21.6, 30.6) 5.3 (-0.4, 10.9)
55 to 64 years 20.6 24.8 (20.9, 29.2) 4.2 (-1.4, 9.8)
65 years or more 14.0 18.4 (15.2, 21.9) 4.4 (-0.1, 8.8)
Race/Ethnicity
Black 33.2 40.0 (34.4, 45.9) 6.8 (-0.8, 14.4)
Hispanic 27.5 34.2 (28.4, 40.4) 6.7 (-1.8, 15.1)
Asian 10.9 NA NA NA NA
White 15.4 17.6 (15.5, 19.8) 2.2 (-0.6, 5.0)
Other NA NA NA NA NA
Disability status
Disabled, age 25 to 64 22.9 29.7 (23.1, 37.3) 6.9 (-2.5, 16.2)
Not disabled, age 25 to 64 20.8 25.0 (22.7, 27.4) 4.2* (1.0, 7.5)
Not applicable (not age 25 to 64) 15.8 19.3 (16.5, 22.6) 3.6 (-0.5, 7.6)
Employment status
Employed 21.5 24.4 (21.9, 27.0) 2.9 (-0.5, 6.3)
Unemployed NA NA NA NA NA
Not in labor force 15.8 22.3 (19.4, 25.5) 6.5* (2.6, 10.4)
Homeownership
Homeowner 15.2 18.2 (16.1, 20.6) 3.0 (-0.1, 6.0)
Non-homeowner 24.6 29.2 (26.4, 32.2) 4.6* (0.5, 8.6)
Household type
Married couple 17.6 19.1 (16.6, 21.8) 1.4 (-1.9, 4.8)
Unmarried female-headed family 25.6 37.9 (31.7, 44.4) 12.2* (3.5, 21.0)
Unmarried male-headed family NA NA NA NA NA
Female individual 19.4 21.0 (17.3, 25.2) 1.6 (-3.9, 7.0)
Male individual 17.8 22.4 (18.2, 27.2) 4.6 (-1.6, 10.8)
Other NA NA NA NA NA
Nativity
U.S.-born 17.4 21.2 (19.1, 23.5) 3.8* (1.0, 6.6)
Foreign-born citizen 25.3 31.2 (26.4, 36.6) 5.9 (-1.5, 13.3)
Foreign-born non-citizen 27.7 30.6 (24.4, 37.6) 2.9 (-6.2, 12.0)
Spanish only language spoken
Spanish is not only language spoken 19.5 23.6 (21.8, 25.6) 4.1* (1.6, 6.6)
Spanish is only language spoken NA NA NA NA NA
Metropolitan status
Metropolitan area - principal city 23.3 29.3 (26.5, 32.3) 6.0* (2.2, 9.8)
Metropolitan area - balance 12.2 16.4 (13.7, 19.5) 4.2* (0.6, 7.8)
Not in metropolitan area 26.5 NA NA NA NA
Not identified 19.8 23.4 (17.1, 31.0) 3.5 (-5.5, 12.6)


~ 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.