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The purpose of this bulletin is to elaborate on the methodology to be used by the Division of Banks (Division) when assigning ratings on the lending, service, and investment tests as part of the Community Reinvestment Act (CRA) examination for both large banks and large credit unions as defined in the regulation. In addition, this policy describes the number of points needed to achieve each of the five descriptive CRA ratings: Outstanding, High Satisfactory, Satisfactory, Needs to Improve, and Substantial Noncompliance.
A. Bank Component Test Ratings
The following matrix sets forth the methodology for aggregating a bank’s scores on the lending, service, and investment tests to arrive at an assigned rating.
Component Test Ratings
Needs to Improve
B. Credit Union Component Test Ratings
The following matrix sets forth the methodology for aggregating a credit union’s scores on the lending and service tests to arrive at an assigned rating.
The number of points needed for institutions to achieve each of the five composite assigned ratings is shown below:
Composite Assigned Rating
20 or over
17 through 19
11 through 16
5 through 10
0 through 4
This bulletin replaced former Administrative Bulletin 5-11 issued on July 1, 1997. Minor changes were made in 2012 to clarify applicability. The bulletin was revised on October 2, 2012.
G.L. c. 167, s. 14; 209 CMR 46.00.