In a study comparing state-chartered and federally chartered credit unions, a sample of 145 matched pairs of credit unious was formed. Each pair contained one state-chartered and one federally chartered credit union. The pairings were made in such a way that the two members were as similar as possible in regard to such factors as size and age. The ratio of total loans outstanding to total assets was calculated for each of the credit unions. For this ratio, the sample mean difference (federally chartered minus state-chartered) was 0518, and the sample standard deviation of the differences was 3055. Test against a two- sided alternative the null hypothesis that the two population means are equal.