Have any of you been in a sitation where CRA exam is coming up and you fear that you are marginal with CRA investments category. I want to write a memo on the importance of CRA ivestments and suggest some ways we can invest?
Any suggestions or will you be willing to share you memo..
thank you so much.

My board reports are in the form of a mini CRA exam, with page one reflecting the bank's standing in each test (much like the small block of ratings you see at the beginning of your exam). Each rating (self administered, but I'm fairly consistant with what my examiner has rated me in the past) reflects where I think the bank is in each test, with the score for each level posted. As you might know, it takes 20 points to get an Outstanding rating overall.

I found the greatest success in getting the board fired up over investments by rating myself at a needs to improve which would only give us enough points for a Satisfactory rating overall. In broad bullet points I detailed why, including information from a study of several hundred CRA exams throughout the nation on investment balances in comparison to net tier one.

We immediately committed to two new investments after they viewed this

I'd be happy to share, but I'd rather not post my comments here. If you'd like an edited copy (names changed to protect the innocent) please send me a private message or email me (you can find my email address by clicking on my Username for details).

Sometimes bold black and white...with the words Needs to Improve Are all it takes to push folks onto your path in the future