← Search Journal of Finance Vol. 32 No. 2 1977 The Comparative Operating Efficiency of Black Savings and Loan Associations Lewis J. Spellman; Alfred E. Osborne; William D. Bradford1 1 Stanley Foundation DOI10.2307/2326790 Volume32 Issue2 Pages565 Sources semanticscholar openalex crossref Cite APA 7 MLA 9 Chicago (author–date) Harvard Elsevier Harvard (JFE, JBF…) The Accounting Review Academy of Management American Marketing Association INFORMS (Management Science) Copy citation Copied ✓