2023 Costilla County, Colorado Demographics | Data & Analysis

Ready-to-use reports, analytics, and visualizations covering Costilla County, Colorado, including population, race, income, and more. Based on 2023 American Community Survey Estimates.

Costilla County, Colorado Key Demographic Statistics (2023 Estimates)

Key demographic statistics summarized from the U.S. Census Bureau's 2023 American Community Survey (ACS).

Total Population
3,571
Median Age
50.7 years
Median Household Income
$36,519
Bachelor's Degree+
27.85%
Uninsured Rate
8.3%
Total Households
1,574
Total Workers
1,244
Citizenship Rate
95.9%
Total Veterans
343
Top Veteran Era
Vietnam Era Only
Poverty Rate
21.1%
Families in Poverty
209
SNAP Recipients
24.59%
Households w/ SNAP
387

Source: U.S. Census Bureau, 2023 American Community Survey (ACS) Estimates

Costilla County, Colorado 2023 Demographics: Age & Gender Distribution

Bar chart showing the population distribution of Costilla County, Colorado by age group and gender, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the total population of Costilla County, Colorado is 3,571. The median age of the population in Costilla County, Colorado is 50.7 years. The median age for males is 52.6 years, and for females it is 48.6 years.

The age distribution of the population in Costilla County, Colorado by age group is as follows:

Population Percentage by Age Group in Costilla County, Colorado, 2023
Age Group Percentage
Under 5 years 4.76%
5–17 years (children) 14.00%
18–24 years (young adults) 6.02%
25–34 years 12.35%
35–54 years 18.29%
55–64 years 17.11%
65 years and over (seniors) 27.47%

Understanding the Demographic Dependency Ratio in Costilla County, Colorado

The total dependency ratio in Costilla County, Colorado is 85.99. The youth dependency ratio is 34.90, and the old-age dependency ratio is 51.09. In demographic terms, the dependency ratio measures the size of the population typically not in the labor force (children under 18 and older adults 65+) relative to the working age (18-64) population. A higher ratio indicates a greater financial and social burden on the working population to support the non-working age groups.


What is the Racial and Ethnic Breakdown of Costilla County, Colorado?

Race and Ethnicity Distribution Chart for Costilla County, Colorado
Source: U.S. Census Bureau, 2023 ACS Estimates

The racial makeup and ethnic composition (racial demographics) of Costilla County, Colorado is detailed below, based on the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates.

The Diversity Index for Costilla County, Colorado is calculated at 55.28, suggesting a moderate level of racial and ethnic diversity. This index measures the probability that two people chosen at random will be from different racial or ethnic groups.

The following table provides the breakdown of the population of Costilla County, Colorado by race and ethnicity:

Population Percentage by Racial and Ethnic Group in Costilla County, Colorado, 2023
Racial/Ethnic Group Percentage
Hispanic or Latino (Any Race) 55.59%
White Alone (Non-Hispanic) 36.88%
Two or More Races 4.03%
Black/African American Alone 2.18%
Asian Alone 1.18%
American Indian and Alaska Native Alone 0.14%
Native Hawaiian or Other Pacific Islander Alone 0.00%
Some Other Race Alone 0.00%

Costilla County, Colorado 2023 Demographics: Household Income Distribution

Horizontal bar chart showing household income distribution in Costilla County, Colorado.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the median household income in Costilla County, Colorado over the past 12 months, adjusted for 2023 inflation, was $36,519. This figure is based on a total of 1,574 households.

The distribution of household income in Costilla County, Colorado across various income brackets is as follows:

Household Income Distribution in Costilla County, Colorado, 2023
Income Range Percentage of Households
Less than $20,000 30.94%
$20,000 to $34,999 16.01%
$35,000 to $49,999 10.36%
$50,000 to $74,999 17.60%
$75,000 to $149,999 16.58%
$150,000 or more 8.51%

Costilla County, Colorado 2023 Demographics: Property Value Distribution

Line chart showing the distribution of property values for owner-occupied housing units in Costilla County, Colorado.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the distribution of property values for owner-occupied housing units in Costilla County, Colorado is based on a total of 1,236 properties.

The property value distribution in Costilla County, Colorado across various value brackets is as follows:

Property Value Distribution in Costilla County, Colorado, 2023
Property Value Range Percentage of Properties
Less than $25,000 7.85%
$25,000 to $49,999 3.40%
$50,000 to $99,999 15.70%
$100,000 to $199,999 30.26%
$200,000 to $499,999 32.85%
$500,000 to $999,999 9.47%
$1,000,000 or more 0.49%

Educational Attainment in Costilla County, Colorado (2023 Data)

Treemap chart illustrating the educational attainment breakdown for population 25 years and over in Costilla County, Colorado.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the educational attainment data covers the population 25 years and older in Costilla County, Colorado, totaling 2,686 individuals.

89.65% of Costilla County, Colorado population has a high school diploma or higher. Furthermore, the percentage of individuals who hold a Bachelor's Degree or a higher professional/graduate degree is 27.85%.

The detailed breakdown by educational level is presented below:

Educational Attainment Distribution in Costilla County, Colorado, 2023
Educational Attainment Level Percentage of Population 25+
Less than high school graduate 10.35%
High school graduate (incl. equivalency) 29.82%
Some college or associate's degree 31.98%
Bachelor's Degree 19.84%
Graduate or professional degree 8.00%

What is the Health Insurance Coverage Rate in Costilla County, Colorado?

Pyramid chart showing health insurance coverage by age and sex in Costilla County, Colorado.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the health insurance coverage data for Costilla County, Colorado shows that 8.3% of the population lacks health insurance coverage. This represents 295 individuals out of a total population of 3,551 people.

The uninsured rates vary significantly by age group. Young adults (18-34 years) have uninsured rates of 22.2% for males and 4.8% for females. In the 35-64 age bracket, 16.3% of males and 13.2% of females are uninsured.

Children under 18 and seniors aged 65+ generally have higher coverage rates due to public programs like Medicaid/CHIP and Medicare. In Costilla County, Colorado, uninsured rates for children are 4.8% for males and 0.3% for females, while seniors have rates of 0.0% for males and 0.0% for females.

Uninsured Rates by Age Group and Sex in Costilla County, Colorado, 2023
Age Group Male Uninsured % Female Uninsured %
Under 18 4.8% 0.3%
18-34 years 22.2% 4.8%
35-64 years 16.3% 13.2%
65+ years 0.0% 0.0%

Costilla County, Colorado 2023 Population by Nativity and Citizenship Status

Treemap showing the population distribution by nativity and citizenship status in Costilla County, Colorado based on U.S. Census data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the nativity and citizenship data for Costilla County, Colorado shows that 95.9% of the population are U.S. citizens. This includes both native-born and naturalized citizens, representing 3,426 individuals out of a total population of 3,571 people.

The nativity breakdown reveals diverse origins: 92.8% were born in the United States, 0.0% were born in Puerto Rico or U.S. Island Areas, and 0.9% were born abroad of American parent(s).

Among the foreign-born population, 2.2% of the total population have become naturalized U.S. citizens (79 individuals), while 4.1% are non-citizens (145 individuals).

Nativity and Citizenship Distribution in Costilla County, Colorado, 2023
Nativity/Citizenship Status Percentage
Born in the United States 92.8%
Born in Puerto Rico or U.S. Island Areas 0.0%
Born abroad of American parent(s) 0.9%
U.S. citizen by naturalization 2.2%
Not a U.S. citizen 4.1%
Total U.S. Citizens 95.9%

Costilla County, Colorado 2023 Demographics: Means of Transportation to Work

Treemap showing means of transportation to work distribution in Costilla County, Colorado.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the commuting patterns for Costilla County, Colorado show that 82.9% of workers commute by car, truck, or van. This represents 956 workers out of a total workforce of 1,153 people.

Public transportation usage stands at 0.0% (0 workers), which includes buses, subways, light rail, commuter trains, and ferries, but excludes taxicabs. Active transportation methods include walking (3.7%) and bicycling (0.0%).

12.6% of workers in Costilla County, Colorado report working from home. An additional 0.8% use other means such as taxicabs, motorcycles, or other forms of transportation. These alternative commuting patterns reflect changing work arrangements and transportation preferences in the modern workforce.

Commuting Methods Distribution in Costilla County, Colorado, 2023
Transportation Method Percentage Number of Workers
Car, truck, or van 82.9% 956
Public transportation 0.0% 0
Bicycle 0.0% 0
Walked 3.7% 43
Taxicab, motorcycle, or other means 0.8% 9
Worked from home 12.6% 145
Total Workers - 1,153

Costilla County, Colorado 2023 Demographics: Employment by Class of Worker

Horizontal bar chart showing employment distribution by class of worker and gender in Costilla County, Colorado, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the civilian employed population aged 16 and over in Costilla County, Colorado totals 1,244 workers. Of these, 685 (55.1%) are male and 559 (44.9%) are female.

The employment distribution by class of worker in Costilla County, Colorado is as follows:

Employment Distribution by Class of Worker and Sex in Costilla County, Colorado, 2023
Employment Class Male Workers Female Workers
Private For-Profit 372 (29.9%) 217 (17.4%)
Private Non-Profit 6 (0.5%) 77 (6.2%)
Government (All Levels) 223 (17.9%) 200 (16.1%)
  • Local Government 121 142
  • State Government 33 56
  • Federal Government 69 2
Self-Employed 84 (6.8%) 49 (3.9%)

Class of worker categorizes employed civilians by their employment arrangement. Private sector workers are employed by for-profit or non-profit companies. Government workers include those employed at local, state, or federal levels. Self-employed workers operate their own unincorporated businesses. Understanding the class of worker distribution provides insights into the economic structure and employment diversity of Costilla County, Colorado.


Costilla County, Colorado 2023 Demographics: Veterans by Period of Service

Horizontal bar chart showing veteran distribution by period of military service in Costilla County, Colorado, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, there are 343 civilian veterans aged 18 and over in Costilla County, Colorado.

The largest group of veterans served during Vietnam Era Only, accounting for 161 veterans (46.9% of all veterans). The second-largest group served during Post-9/11 Only, with 59 veterans (17.2%).

The complete distribution of veterans by period of military service in Costilla County, Colorado is as follows:

Veteran Distribution by Period of Military Service in Costilla County, Colorado, 2023
Period of Service Number of Veterans Percentage
Vietnam Era Only (August 1964 to April 1975) 161 46.9%
Post-9/11 Only (September 2001 or later) 59 17.2%
Between Gulf War and Vietnam Era 57 16.6%
Between Vietnam Era and Korean War 28 8.2%
Gulf War Only (August 1990 to August 2001) 27 7.9%
Post-9/11 and Gulf War (August 1990 to August 2001) 7 2.0%
Gulf War and Vietnam Era 4 1.2%
Total Veterans 343 100.0%

Period of military service categorizes veterans based on when they served on active duty in the U.S. Armed Forces. Veterans may have served during multiple periods, including World War II (December 1941–December 1946), the Korean War (July 1950–January 1955), the Vietnam Era (August 1964–April 1975), the Gulf War (August 1990–August 2001), and Post-9/11 (September 2001 or later). Understanding veteran demographics helps communities provide appropriate services, benefits, and support to those who have served.


Costilla County, Colorado 2023 Demographics: Families by Income-to-Poverty Ratio

Horizontal bar chart showing family distribution by income-to-poverty ratio in Costilla County, Colorado, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, there are 991 families in Costilla County, Colorado.

Of these families, 209 (21.1%) live below the poverty line (income less than 100% of the federal poverty level). An additional 390 families (39.4%) are at or near poverty (100-199% of poverty). Meanwhile, 392 families (39.6%) have incomes at least twice the poverty level.

The complete distribution of families by income-to-poverty ratio in Costilla County, Colorado is as follows:

Family Distribution by Income-to-Poverty Ratio in Costilla County, Colorado, 2023
Income-to-Poverty Ratio Number of Families Percentage
Below 50% of Poverty 125 12.6%
50-74% of Poverty 25 2.5%
75-99% of Poverty 59 6.0%
100-124% of Poverty 47 4.7%
125-149% of Poverty 47 4.7%
150-174% of Poverty 48 4.8%
175-184% of Poverty 26 2.6%
185-199% of Poverty 29 2.9%
200-299% of Poverty 193 19.5%
300-399% of Poverty 114 11.5%
400-499% of Poverty 134 13.5%
500%+ of Poverty 144 14.5%
Total Families 991 100.0%

Income-to-poverty ratio measures how a family's income compares to the federal poverty threshold, which varies by family size and composition. A ratio below 1.00 (100%) indicates the family lives in poverty. Ratios between 1.00 and 1.99 represent families with low incomes who may still struggle financially despite being technically above the poverty line. Families with ratios of 2.00 (200%) or higher generally have more economic security. Understanding poverty distribution helps communities allocate resources and develop programs to support families in need.


Costilla County, Colorado 2023 Demographics: SNAP/Food Stamps Recipients

Stacked bar chart showing SNAP/Food Stamps recipient household composition by presence of children under 18 in Costilla County, Colorado, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, there are 1,574 total households in Costilla County, Colorado. Of these, 387 households (24.59%) received SNAP/Food Stamps benefits in the past 12 months.

Among SNAP-recipient households, 210 (54.26%) have children under 18 years, while 177 (45.74%) do not have children under 18 years.

Household Composition of SNAP Recipients

SNAP Recipient Household Composition in Costilla County, Colorado, 2023
Household Type With Children Under 18 No Children Under 18
Married-Couple Family 93 (24.03%) 34 (8.79%)
Male Householder, No Spouse 10 (2.58%) 35 (9.04%)
Female Householder, No Spouse 107 (27.65%) 19 (4.91%)
Nonfamily Households 0 (0.00%) 89 (23.00%)

The Supplemental Nutrition Assistance Program (SNAP), formerly known as Food Stamps, provides nutrition assistance to low-income individuals and families. The program aims to help eligible households purchase nutritious food. SNAP participation rates and household composition patterns provide important insights into economic hardship and food security challenges in Costilla County, Colorado. Households with children under 18 often face greater nutritional needs, while households without children may include seniors, disabled individuals, or working adults facing economic challenges.


Frequently Asked Questions (FAQs)

The age breakdown for the population of Costilla County, Colorado is detailed below, showing the percentage of the total population for each group:

Age Group Percentage
Under 5 years4.76%
5–17 years (children)14.00%
18–24 years (young adults)6.02%
25–34 years12.35%
35–54 years18.29%
55–64 years17.11%
65 years and over (seniors)27.47%

The racial and ethnic composition of Costilla County, Colorado is dominated by: Hispanic or Latino (Any Race): 55.59%, White Alone (Non-Hispanic): 36.88%, Two or More Races: 4.03%. The complete breakdown includes 8 distinct racial and ethnic categories.

The median household income in Costilla County, Colorado is $36,519. This represents the midpoint of all household incomes in the area, meaning half of households earn more than this amount and half earn less.

The household income distribution in Costilla County, Colorado is: Very Low Income (under $20,000): 30.94%, Low Income ($20,000-$34,999): 16.01%, Lower Middle Income ($35,000-$49,999): 10.36%, Middle Income ($50,000-$74,999): 17.60%, Upper Middle Income ($75,000-$149,999): 16.58%, High Income ($150,000+): 8.51%.

Approximately 13.28% of households in Costilla County, Colorado earn over $100,000 annually. This includes households earning between $100,000 and $124,999, $125,000 and $149,999, $150,000 and $199,999, and $200,000 or more.

The property value distribution for owner-occupied housing units in Costilla County, Colorado is: Less than $25,000: 7.85%, $25,000-$49,999: 3.40%, $50,000-$99,999: 15.70%, $100,000-$199,999: 30.26%, $200,000-$499,999: 32.85%, $500,000-$999,999: 9.47%, $1,000,000 or more: 0.49%.

There are 1,236 owner-occupied housing units in Costilla County, Colorado. This represents homes that are owned by the people living in them, as opposed to rental properties or vacant units.

Approximately 9.95% of owner-occupied housing units in Costilla County, Colorado are valued over $500,000. This includes properties valued between $500,000 and $749,999, $750,000 and $999,999, $1,000,000 and $1,499,999, $1,500,000 and $1,999,999, and $2,000,000 or more.

In Costilla County, Colorado, 27.85% of the population aged 25 and older holds a bachelor's degree or higher. This includes those with bachelor's degrees as well as those with graduate or professional degrees.

The educational attainment breakdown for Costilla County, Colorado (population 25+) is: Less than high school graduate: 10.35%, High school graduate (including equivalency): 29.82%, Some college or associate's degree: 31.98%, Bachelor's degree: 19.84%, Graduate or professional degree: 8.00%.

In Costilla County, Colorado, 89.65% of the population aged 25 and older has completed at least a high school education. This includes high school graduates, those with some college, associate's degrees, bachelor's degrees, and graduate degrees.

In Costilla County, Colorado, 8.3% of the population lacks health insurance coverage. This represents 295 individuals out of a total population of 3,551 people.

The uninsured rates vary by age group in Costilla County, Colorado. For young adults (18-34 years), 22.2% of males and 4.8% of females lack coverage. In the 35-64 age group, 16.3% of males and 13.2% of females are uninsured. These working-age populations typically face different coverage challenges than children or seniors.

Children under 18 in Costilla County, Colorado have uninsured rates of 4.8% for males and 0.3% for females. Seniors aged 65 and older, who are typically covered by Medicare, have uninsured rates of 0.0% for males and 0.0% for females. These age groups generally have higher coverage rates due to public programs.

In Costilla County, Colorado, 95.9% of the population are U.S. citizens. This includes native-born citizens and naturalized citizens. Out of a total population of 3,571 people, 3,426 are U.S. citizens.

Costilla County, Colorado has 79 naturalized U.S. citizens, representing 2.2% of the total population. These are foreign-born individuals who have gone through the naturalization process to become U.S. citizens.

The nativity and citizenship breakdown for Costilla County, Colorado is: 92.8% were born in the United States, 0.0% were born in Puerto Rico or U.S. Island Areas, 0.9% were born abroad of American parent(s), 2.2% are foreign-born naturalized U.S. citizens, and 4.1% are foreign-born non-citizens.

In Costilla County, Colorado, 82.9% of workers commute by car, truck, or van, making it the most common means of transportation to work. Out of 1,153 total workers, 956 use personal vehicles for their commute.

0 workers in Costilla County, Colorado use public transportation (excluding taxicabs) to commute to work, representing 0.0% of all workers. This includes buses, subways, light rail, commuter trains, and ferries.

Alternative commute methods in Costilla County, Colorado include: 12.6% work from home, 3.7% walk to work, 0.0% bicycle, and 0.8% use other means such as taxicabs or motorcycles. These alternatives to driving alone help reduce traffic congestion and environmental impact.

"Class of worker" refers to the type of employer or work arrangement for employed civilians aged 16 and over in Costilla County, Colorado. It categorizes workers into private sector (for-profit and non-profit), government (local, state, and federal), self-employed, and unpaid family workers. This classification helps understand the employment structure and economic composition of the workforce.

According to the American Community Survey, Costilla County, Colorado has 1,244 employed civilians aged 16 and over. The private for-profit sector employs the largest share of workers, with 29.9% of male workers and 17.4% of female workers in this category.

In Costilla County, Colorado, there are 223 male government workers and 200 female government workers. Government employment includes local, state, and federal positions. This represents 17.9% of male workers and 16.1% of female workers.

Self-employment in Costilla County, Colorado includes 84 males (6.8%) and 49 females (3.9%). Self-employed workers operate their own businesses that are not legally incorporated.

In Costilla County, Colorado, 387 households (24.59% of all households) received SNAP/Food Stamps benefits in the past 12 months. Out of 1,574 total households, these families rely on this federal nutrition assistance program to help purchase food.

Of the SNAP-receiving households in Costilla County, Colorado, 210 (54.26%) have children under 18 years. These families face additional nutritional needs and food security challenges as they work to provide adequate nutrition for growing children.

SNAP recipients in Costilla County, Colorado include diverse household types. Among households with children, 107 (27.65%) are headed by a female householder with no spouse present, while 93 (24.03%) are married-couple families. The program also serves households without children, including seniors, disabled individuals, and working adults facing economic challenges.

The Supplemental Nutrition Assistance Program (SNAP), formerly known as Food Stamps, is a federal program that provides nutrition assistance to low-income individuals and families. Eligibility is based on household income, resources, and size. In Costilla County, Colorado, SNAP helps eligible households purchase nutritious food at authorized retailers. The program aims to alleviate hunger and improve nutrition and health outcomes for vulnerable populations.

According to the U.S. Census Bureau's American Community Survey, there are 343 civilian veterans aged 18 and over living in Costilla County, Colorado. These individuals have served on active duty in the U.S. Army, Air Force, Navy, Marine Corps, or Coast Guard. This number does not include those with only National Guard or Reserves training without active duty service.

The most common period of military service for veterans in Costilla County, Colorado is Vietnam Era Only, with 161 veterans (46.9% of all veterans) who served during this period. The second most common period is Post-9/11 Only, with 59 veterans (17.2%).

"Period of service" categorizes veterans based on when they served on active duty in the U.S. Armed Forces. Major periods include World War II (December 1941-December 1946), the Korean War (July 1950-January 1955), the Vietnam Era (August 1964-April 1975), the Gulf War (August 1990-August 2001), and Post-9/11 (September 2001 or later). Veterans may have served during multiple periods. Understanding the distribution of service periods helps communities in Costilla County, Colorado provide appropriate services and support to their veteran population.

Veterans who served during the Gulf War era (1990-2001) and Post-9/11 era (2001-present) represent approximately 44.9% of all veterans in Costilla County, Colorado. These more recent-era veterans, totaling around 154 individuals, often have different service experiences and support needs compared to veterans of earlier conflicts. They may benefit from targeted programs addressing issues such as transition to civilian life, employment assistance, and access to VA healthcare services.

In Costilla County, Colorado, 209 families (21.1% of all families) live below the federal poverty line. This means their household income is less than 100% of the poverty threshold established by the U.S. Census Bureau, which varies by family size and composition. Out of 991 total families, these households face significant economic challenges meeting basic needs.

"Income-to-poverty ratio" measures how a family's income compares to the federal poverty threshold. A ratio of 1.00 (100%) means the family's income equals the poverty line. Below 1.00 indicates poverty, while ratios above 1.00 show income levels relative to poverty. For example, a ratio of 2.00 (200%) means the family earns twice the poverty threshold. In Costilla County, Colorado, this data helps identify not just families in poverty, but also those who are economically vulnerable despite being above the official poverty line.

Beyond families living in poverty, Costilla County, Colorado has 390 families (39.4%) with incomes between 100% and 199% of the poverty level. These families are often called 'near poverty' or low-income households. Specifically, 142 families (14.3%) have incomes between 100% and 149% of poverty. While technically above the poverty line, these families often struggle with housing costs, healthcare, childcare, and other expenses, making them economically vulnerable.

In Costilla County, Colorado, 125 families (12.6%) live in extreme poverty, with incomes below 50% of the federal poverty threshold. These families face severe economic hardship and often require comprehensive assistance programs. On the other end of the spectrum, 392 families (39.6%) have incomes at least 200% above the poverty level, indicating greater financial stability and economic security.