CRA Pro Performance Analysis Package
The CRA Pro Performance Analysis Package will help you be fully prepared for your next CRA exam with a ready made
package that organizes, graphs and maps your loan data like examiners do. GeoDataVision's unique Self-Assessment
form summarizes all the important loan performance comparisons down to one easy-to-read page.
Executive Edition CRA Performance Analysis Package
This package includes everything in the CRA Pro Performance Analysis Package plus a professionally written Executive Narrative of 30-40 pages that describes your performance context and analyzes your lending performance under the various CRA Lending Tests just like examiners do.
CRA Assessment Area Configuration Assistance
How you delineate your Assessment Area is one of the most important CRA decisions you will ever make!
Most bankers understand they must construct their Assessment Areas to comply with the Regulation. But very few bankers understand how Assessment Area configuration impacts the performance standards imposed on them.
CRA and HMDA compliance problems
The Community Reinvestment Act and the Home Mortgage Disclosure Act are complicated regulations full of arcane bureaucratic jargon. It's easy to trip over technical requirements and the penalties can be costly! Your bank can be subject to civil and monetary penalties under HMDA and your ability to grow can be stopped dead in its tracks under CRA.
CRA and HMDA performance issues
Every year community banks fail their CRA exam and are surprised because they don't understand the performance standards imposed by the Regulation. They don't realize that their performance may not be the problem - it may be the performance context that is the real issue.
CRA and HMDA systems and procedures review
One of the most important compliance issues today is data integrity. Every compliance performance analysis is dependent on the quality of the data used for the analysis. Consequently, examiners place heavy emphasis on data integrity during examinations.
Census Tract Street Maps
These maps show the streets and boundaries of any census tracts in your community. The maps use a color theme to depict the income classification of tracts according to the latest FFIEC bulletins.
Improve Your CRA Performance!
Many bankers use this as a tool to improve Community Reinvestment Act lending performance in LMI neighborhoods by distributing the maps to loan origination officers. This simple tool allows lenders to recognize the location of these areas by displaying the streets that form the boundaries of these tracts.
CRA Assessment Area Maps
This component includes a map delineating your Assessment Area boundaries, depicting key towns and cities and revealing census tract income classes by color themes that distinguish Upper, Middle, Moderate and Low-income tracts. The map meets all regulatory standards.
Deposit Distribution Maps
GeoDataVision can create color theme
maps of geographic dispersion of your deposit base to allow you to see the relationship of your depositors to your branches.
GeoDataVision also has captured the entire Summary of Deposits
(SOD
) database that shows the geographic distribution of all deposits by every bank branch anywhere in the country. GDV can create custom maps that depict all the competitor branches in your market and show you the volume of deposits reported for each branch.
Loan Distribution Maps
CRA performance analysis which requires you to recognize lending gaps in your Assessment Area. These gaps are almost unrecognizable using traditional loan distribution tables. Computerized mapping technology can create a picture of your loan distribution and help your see the geographic aspect of your lending. There is no better tool than loan distribution maps for this important task.
Custom Maps
GeoDataVision has a staff of mapping experts who specialize in the creation of maps for banking applications. We can create maps of your loans and your deposits for compliance and branch performance analysis. GeoDataVision also has national databases of HMDA mortgages, CRA loans, Summary of Deposits data (SOD) and market demographics that can be mapped to create pictures of your market like you have never seen before.
Use affordable sophisticated computerized mapping to help your bank improve compliance performance and recognize market opportunities.
CRA Key Performance Benchmark Reports Package
Performance Benchmark Data: CRA does not specify quantitative performance
standards. Instead, examiners rely on performance context
data to assess performance.
GeoDataVision has captured, organized and presented this data in a series of reports that
establish the most important quantitative standards against which your bank will be
compared.
These reports include:
CRA Small Business Loan Report
The Small Business Loan Report is a suite of reports extracted from the CRA small business loan data released by the Federal Financial Institutions Examination Committee (FFIEC). Annually, in August, the FFIEC releases data collected and compiled from the small business loan data reported by banks to their federal regulatory agency.
Comprehensive Fair Lending Analysis Package
An Automated Affordable Fair Lending Risk Assessment Program for Community Banks!
In today's regulatory environment it is important not only to avoid Fair Lending violations but also to implement a program to show examiners you have a system to monitor and identify potential Fair Lending violations.
GeoDataVision offers a Community Bank Fair Lending Risk Assessment Program that:
Minority Mortgage Reports
Fair lending analysis cannot be done in a vacuum. All Fair Lending analysis requires comparison of mortgage applications within your bank as well as comparisons to your mortgage market. Professional Fair Lending performance analysis needs the perspective provided by the mortgage market activity of all lenders active in your market.
GeoDataVision has created a unique set of Fair Lending Market Reports that focus on the minority mortgage market.
These reports help you to compare and to put into perspective:
Summary of Deposit Reports
Every year in October the FDIC releases the Summary of Deposits (SOD
) data for all insured institutions. This data compiles deposits on hand for each and every branch everywhere in the United States.
HMDA Mortgage Market Analysis Reports
This is the data regulators will use to evaluate your institution's CRA Performance. The data contained in these reports is extracted from the most up-to-date Home Mortgage Disclosure Act (HMDA) Raw Data (released by the Federal Reserve each year).
Custom HMDA Market Data Reports
GeoDataVision has an enormous database of HMDA-reported mortgage lending activity for the entire United States. This is the same database examiners use when comparing your institution's performance to other mortgage lenders. This is the largest, most accurate and most comprehensive database on mortgage lending available. This data includes information on all reporting lenders and vital demographic information on borrowers.
Demographic Data
CRA regulations require that an institution demonstrate it is meeting the need for credit services within its Assessment Area. An important prerequisite is a knowledge of community demographics. GeoDataVision can prepare maps and tables depicting vital demographic characteristics within your market.
HMDA Portfolio Fair Lending Analysis
These reports break out into two distinct groups: (a) Portfolio Fair Lending Statistical Comparison Reports and (b) Application Potential Fair Lending Risk Comparison Reports.
The Portfolio Fair Lending Statistical Comparison Reports summarize important portfolio statistics with comparisons between minority and non-minority application "outcomes” including origination rates, denial rates and “dropout” rates. This provides the “Fair Lending big picture”.
CRA and HMDA Data Entry Guides
Data integrity is one of the big issues with respect to HMDA and CRA today. The accuracy of a CRA performance evaluation or Fair Lending analysis is totally dependent on the reliability of the underlying data. Examiners know this and they frequently have found problems with the HMDA and CRA data provided to them by banks. Consequently they are concerned about the "CRA process" and the "HMDA process" (the systems and procedures established to collect, enter, monitor and report CRA and HMDA data) at your bank.
CRA Program Template
This package includes all the forms, policies and procedures you need for a professional CRA program. In addition to a CRA Policy template, you get Data Entry forms, Management Reports forms, Internal Audit Checklist and sampling forms, a Data Entry Guide and a Systems and Procedures Narrative.
CRA and HMDA training.
GeoDataVision has utilized web technology for cost-effective training of bank personnel regarding CRA and HMDA compliance issues. Webinars are regularly scheduled for such topics as Community Development under CRA
, How to Develop the Ideal Assessment Area
and How to file an error-free HMDA LAR
. GeoDataVision also conducts private webinars for your convenience too.
On-site training also is available.
