CRA Geo-Analysis Report Service

The CRA Geo-Analysis report from TRUPOINT Partners has been used successfully in virtually thousands of exams since orignially introduced almost 10 years ago. 

The CRA GeoAnalysis Report allows you to spend your time doing your job, not gathering data, geocoding, and building assessment area maps.  

Send us your loan and deposit data, and we will take care of the rest.

All loans and deposits are accurately geocoded, mapped, and analyzed, and provided back to you in an easy-to-understand format that lets you do your job more effectively.

The CRA GeoAnalysis Report is available annually, semi-annually, quarterly, or monthly. 

 Learn more about CRA Geo-Analysis here.

CRA Submission and Transmittal Service

All institutions over $1 billion in assets or that are part of a holding company with assets over $1 billion are required to report all their loan activity.

TRUPOINT Partners can help you tackle the tedious task of collecting, analyzing, geocoding, testing, and submitting the lending data required for Community Reinvestment Act compliance.

Data errors cost both time and money. TruPoint will scrub the data and perform all the necessary edit checks to guarantee a successful transmission of the data.

Utilizing TRUPOINT will help you save time and money, while reducing risk, increasing productivity, and improving your overall compliance profile.

To learn more about this time saving service, please contact us today!

DeNovo CRA Start-Up Kit

TRUPOINT's DeNovo CRA Start-Up Kit contains everything your new institution needs to get started. The kit includes assessment area maps with your bank clearly displayed, public file maps of the proposed trade area, and important demographic information about the assessment area that will enable you to better meet the needs of all sectors of your community.

The DeNovo Start-Up Kit will provide you with all you need to get your Community Reinvestment Act program off and running.

Section 109 Review

The Riegel Neal Interstate Bank and Branch Efficiency Act of 1994 allows banks to branch across state lines.  Section 109 of the act; however, prohibits a bank from establishing or acquiring a branch outside its home state, pursuant to the act, primarily for the purpose of deposit production.  Congress enacted Section 109 to ensure that interstate branches would not take deposits from a community without the bank's reasonably helping the credit needs of that community.  Interagency regulations implementing Section 109 became effective in October of 1997.

Beginning no earlier than one (1) year after a covered interstate branch is acquired by or established as a state member bank, the board must determine whether the bank is complying with the provisions of Section 109.

TruPoint's  Section 109 Review will compare loan to deposit (LTD) ratios to measure the lending and deposit activities of a bank's covered iterstate branches and then compare the bank's statewide LTD ratio with the host state LTD ratio. If the bank's statewide LTD ratio is at least one- half of the relevant host state LTD ratio, the bank passes the Section 109 test and no further review is required.