CRA Reporting and Geo-Analysis

Community Reinvestment Act (CRA) Mapping, Geo-Coding, Analysis and Reporting

CRA Geo AnalysisTRUPOINT Partners' CRA Geo-Analysis will help your institution collect, analyze, geocode, test and submit the lending data required for compliance with the Community Reinvestment Act (CRA). TRUPOINT CRA Geo-Analysis reports are available annually, semi-annually, quarterly, or monthly. 

TRUPOINT’s CRA Geo-Analyses team will scrub the data and perform all necessary edit checks to ensure a successful transmission of the data. We can help save you time and money, while reducing risk, increasing productivity, and improving your overall compliance profile.

In addition to TRUPOINT’s CRA Geo-Analysis, we offer a DeNovo CRA Start-Up Kit for institutions looking to launch their CRA compliance program, and Section 109 Analyses. For more information about these two options, see below.

A TRUPOINT CRA Geo-Analysis Shows:
  • What a Reinvestment Ratio is and how it will help you during your next exam.
  • Why your “Performance and Potential Ratio” is important and why examiners love it.
  • How your Loan to Deposit ratios can be misleading and how to explain them.
  • Specifically how your assessment area demographics have changed since your last exam. 
  • Learn your institution is a “high risk” candidate for increased Redlining scrutiny. 
  • Plus so much more!
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The Problem of CRA Evaluations & How We Can Help

Examiners are downgrading CRA ratings at a record pace! Don’t assume that just because you received a “Satisfactory” in years past, you can expect it next time. The number of banks receiving a negative CRA rating has increased by 300% in 2013.  2014 will be no different.  

Every institution will be expected to re-evaluate their Assessment Area, with the most recent release of the Census demographic information and the additional census tracts added since 2000. 

That means that regardless of whether you have a CRA examination scheduled in 2014, you will need to conduct a CRA review.

TRUPOINT CRA Geo-Analyses can help conduct this necessary CRA review. You provide your loan and deposit data and we take care of the rest.  All loans and deposits are geocoded, mapped, and analyzed to provide you a clear, accurate understanding of your lending within your assessment area(s) for successful CRA compliance.


» Click here to request more information on TRUPOINT Partners’ CRA services. Or, download our CRA Geo-Analysis brochure.

 

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