I can't tell you how often I've heard bankers complain about "unfair" or "unclear" performance expectations. They don't seem to understand they set CRA performance standards when they delineate their Assessment Areas.
The biggest CRA-related decision you will ever make is how you delineate your Assessment Area.
Why? Because how you define your market determines not only your results; it also is what defines your "performance context" - and it is performance context that drives performance standards.