This Indicator measures access to different types of financial institutions by zip code. “Good” institutions include banks, credit unions, and savings institutions. “Bad” institutions include check cashing services, money transfer services, and payday loan institutions. The ratio between the number of bad institutions and the number of good institutions is calculated for each zip code. A higher ratio of bad-to-good institutions means that there are disproportionately more bad institutions in a given zip code. The Indicator then measures the ratio of these ratios, comparing zip codes in which more than 60% of the population is non- White to those in which more than 60% of the population is White. The third category of zip codes is those in which the population is racially and ethnically mixed.