The NCUA’s Low-Income-Designated Area Workbook (Opens new window) provides lists of geographic areas showing where a majority of residents fall below the NCUA’s low-income threshold. The geographic areas are listed by county, census tract, census block group, and zip code. The information covers all of the United States and Puerto Rico.
If a member resides within any of the listed geographic areas, you can count that member as low-income. The NCUA designates a federally insured credit union as low-income when more than 50 percent of the credit union’s members reside in a low-income area.