Page2A - THE CHARLOTTE POST - lliursday, June 8, 1989
Kathiyn Norman, co-chair for the Mecklenburg County UNCF
Committee addressed the campaign's organizers dining a kick ofif
program for the JCSU-UNCF 1989 campaign. Norman of First Un
ion Bank and Harvey Gantt of Gantt-Huberman Architects are co-
chalrlng the campaign that has a goal of $105,000. Smith is one of
42 historically black colleges and universities associated with
UNCF. Since UNCF was founded in 1944, nearly $400 million has
been raised.
Blacks Complain, Urge
Regulators To Bar Bank
RALEIGH (AP) — A group
of black business and
church leaders in Raleigh
has asked banking regula
tors to bar Raleigh Federal
Savings Bank from expand
ing Its business until it
agrees to make more loans
in the city's poor and black
neighborhoods.
Ihe complaint already has
delayed the S&L's plan to
buy two small savings insti
tutions. Raleigh Federal,
however, denies it has ig
nored the needs of lower-
income residents.
The group, which analyzed
Raleigh Federal's lending
practices, said the savings
and loan made only 16
home loans in the city's low
er-income neighborhoods in
the years 1983 through
1987.
In Wake County's white,
middle-income neighbor
hoods, the group said, Ra
leigh Federal made home
loans than four times as of
ten as in black, middle-
income neighborhoods.
The Raleigh Community
Reinvestment Committee
sent a letter to the Federal
Home Loan Bank Board tn
Atlanta, asking the board to
delay the S&L's request to
buy Builders Federal Sav
ings and Loan Association
in Rocky Mount and First
Federal Savings and Loan
Association of North Caro
lina Inc. in Sanford until
Raleigh Federed agrees to
Improve its lending practic
es in low-in come neighbor
hoods.
Raleigh Federal had ex
pected to complete the pro
posed mergers by June 30.
The committee based its
protest on a federal law, the
Community Reinvestment
Act of 1977, which says
lenders are obliged to make
loans in the neighborhoods
in which they collect depos
its, including those from
lower-income customers.
Regulators may deny a
banking merger if they find
lenders are in violation of
the act
Raleigh Federal said in a
written statement released
last week that in the past
three years, it made 20 per
cent of its home loans to mi
nority customers or to those
with low and moderate in
comes.
Guy Walker Jr., president
of Redelgh Federal, said the
minority group had asked
for a $75,000 donation and
had asked the bank to take
the lead role in raising an
other $1 million for such
groups.
"Obviously, not agreeing to
the request for a donation
had an effect on the coali
tion's decision to oppose our
application," Walker said.
Discretionary Income
Totals $320 Billion
About 30 percent of American
households have Income above
that required for "comfortable"
living, according to a report
published by the Commerce De
partment's Census Bureau and
The Conference Board's Consu
mer Research Center. The Con
ference Board is a not-for-profit
business information service
located in New York City.
The report defines the amount
of Income after payment of tax
es and normal household ex
penditures as discretionary.
Such income totaled nearly $320
billion as measured in the Cen
sus Bureau's March 1987 Cur
rent Population Survey, or about
15 percent of total Income re
ceived by households after tax
es.
;The study provides detailed
data on discretionary Income
according to age, education.
Household size, two-eamer fam-
dies, race and other character
istics. Information is also pro
vided for the nation's nine major
geographic regions.
;Thls is the third in a series of
reports on discretionary in
come, prepared jointly by the
Bureau of the Census and The
Conference Board.
The latest study shows a 22
percent Increase in real discre
tionary Income compared with
the preceding report Issued four
years ago. This Increase is due
partly to a rise in the number of
U.S. households and partly to a
rise in average discretionary in
come per household, which rose
from approximately $11,000 to
$12,300 during the four-year
period.
Other major findings in the
study;
• Households with two or more
people earning a paycheck ac
count for 65 percent of £dl U.S.
discretionary dollars. Most of
this Income is in families where
both the husband and wife are
working.
• While only about 17 percent
of households have pre-tax in
comes of $50,000 or more, they
control close to 80 percent of all
discretionary income.
• While slightly over a fifth of
all householders have a college
degree, they account for more
than half of all discretionary in
come.
• Homeowners are twice as
likely as renters to have money
available for discretionary
spending.
• In the Mountain, Middle At
lantic and East South Central
states, the prevalence of discre
tionary Income home tends to
be below the national average.
Do Improved Test Scores Mean Much?
Continued From Page lA
first came out, about half of
them failed it," she said.
African-Americans have mas
tered basic skills for life after
school, and it shows in the com
petency test, Henry maintains.
Unlike the California Achieve
ment Test (CAT) and Scholastic
Aptitude Test (SAT), which
measure academic potential,
the competency test measures
the ability to master basic
skills. That would explain why
black CAT and SAT averages
generally lag farther behind
whites.
"Part of it may be in what these
tests measure," Henry said. 'The
competency test asks can this
student read at an acceptable
level, whereas the CAT and SAT,
you can have higher or lower
Swan Case
Controversy
Continued From Page lA
grand jury and choices it was al
lowed to make.
"In other words, justice can be
manipulated, and we believe
that is what happened in the
James Earl Swan case," she said.
Mrs. Hardy said the return of
the officers to their duties with
out additional preparation or
discipline could not ensure a
similar Incident would not take
place during a normal arrest.
Council member J.B. Rhodes
said as an individual he did not
agree with the grand jury's ver
dict, but as a council member
would have to abide by the rul
ings from the district attorney's
office.
He encouraged the group to take
the case to the district attorney's
office along with several un
solved murder cases involving
blacks. Rhodes cited four cases
of blacks who were killed but
their alleged murderers were
never found.
N.C. Teachers
Fight
Continued From Page lA
associate executive director,
during a meeting that they say
Ms. Garr and her supporters
tried to block. Ms. Garr's faction
argues that the vote was invalid
because the meeting was con
ducted without proper notice.
Ms. Garr and 10 supporters —
only one of whom is black ---
filed suit in Wake County Super
ior Court and won an order to
stop temporarily the rival board
members from firing the two.
After the scufQe in January be
tween Husted and Allen, the
black-dominated wing of the
board voted to reinstate Allen.
The voting membership of the
board is evenly divided by race,
but white members will domi
nate it when the terms of some
members expire June 30. Mem
bers from both factions on the
board say they do not think race
is the chief cause for their differ
ences.
They have split, they say, over
the leadership style of Ms. Garr
and a group that has controlled
leadership posts for the past dec
ade. Some see the leader as John
Wilson of Raleigh, a former
president who is a non-voting
boeird member and a candidate
for president of the National Ed
ucation Association, NCAE's
parent affiliate.
One faction of the board has be
come disenchanted with Ms.
Garr's determination "to be in
charge of everything," said Pa-
trlc Mullen, a former lobbyist
for NCAE who works for the N.C.
School Boards Association.
THE NATIONAL SPOKESMAN
for
MINISTER LOUIS FARRAKHAN
DR. ABDUL ALIM MUHAMMAD
Of Muhammad's Mosque #4 (Washington, D.C.)
Saturday, June 10, 1989
7:00 P,M.
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scores. With the competency
test, you either pass or fall."
Griffin, however, said the com
petency test has little to do with
real-world skills. While black
scores are Improving, the test
doesn't measure academic
achievement.
"Given the results that black
kids have over the years, it really
doesn't surprise me," he said.
'You'll always see an improve
ment in black test scores, be
cause they've always been on
the bottom. There's no place to
go but up."
The competency test, Griffin
said, doesn't live up to its title
because it doesn't set pre
scribed achievement levels like
the SAT or CAT.
"This is a test that all kids,
black and white, should be able
to master. If you pass this test,
does this mean you're literate?"
he asked. "It's meaningless as
far as proving competence in
being able to function in socie
ty."
Noting the early days of the
competency test when blacks
charged the exam was culturally
and racially biased against non
whites, Henry said few changes
were made, yet African-
Americans scores improved.
"Back when it first came out in
1980, there was a lot of contro
versy," she said. "But they didn't
change it, they kept the stan
dards the same."
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