Median Family Income Estimates
FFIEC Destressed and Underserved Census Tracts 2025
The CRA requires that each insured depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities, including mergers and acquisitions CRA examinations are conducted by the federal agencies that are responsible for supervising depository institutions.
CRA Requirements
The CRA requires financial institutions and their regulators to evaluate their performance in meeting credit needs within their communities. To do so, they must consider a variety of factors such as the number and amount of loans they make in low- and moderate-income neighborhoods and how well those loans perform.
If you're a financial institution or community planner, this data will be of particular interest to you! Here are some things you can do with it:
- Analyze your market area for changes in economic growth patterns, including population growth, unemployment rate changes, and shifts in income levels
- Gauge whether there are opportunities for new lending programs that take into account local economic conditions
- Identify new areas for outreach efforts—especially if you're looking for ways to increase your CRA score or improve your Community Development Lending statistics
Click here to download this 2025 Distressed and underserved Tracts file download here
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Steve Bouton, Director (619)917-7596 for more information. Or Click here to email for more details