CRA Assessment Area Construction Guide
Do you feel the pressure to reach impossible or ill-defined CRA Performance goals ? How you have constructed your Assessment Area may be your problem!
When they construct their Assessment Area most bankers are concerned only about being technically compliant. But that is the easiest part of the problem. The real concern should be how Assessment Area configuration affects the performance standards used to rate their bank's CRA performance. All CRA performance standards are driven by "performance context" and "performance context" is determined by how you have constructed your defined community!