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Looking at Your Bank's CRA Performance—The Big Picture
 Before examiners from financial regulatory agencies can judge your bank's CRA performance, they need to get a general sense of your community and how your bank fits into it. They consider a number of factors, including but not limited to
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the makeup of the community; |
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what the local and regional economic conditions are; |
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what kind of opportunities exist for serving the community through lending and investments; |
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what your bank's business strategy and products are; |
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how your bank is doing financially; |
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what CRA rating your bank has received in the past and, sometimes, how other local institutions have been doing; |
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what your bank sees as the credit needs of its community; and |
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what individuals, community and civic organizations, and businesses—as well as state, local, and tribal governments—think about your bank's efforts toward meeting the community's credit needs. |
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