CRA transmittal & filing
Format applications and loans in compliance with regulatory requirements. Software accepts CRA LAR data, loan files, and deposit files in multiple formats including Excel, CSV, and fixed width files.
Built-in error detection
Ensure accurate filings with built-in error detection and compliance formatting. Test loan applications against rule sets within your LOS and capture data to produce clean transmittal files.
Assessment area analysis
Verify configurations and analyze loan/deposit activity inside and outside assessment areas to accurately track performance.
Advanced geocoding & mapping
Visualize your loans, deposits, and facilities on interactive maps with overlays for counties, census tracts, and demographic data. Filter views to focus on specific assessment areas or loan types. Batch, single-search, or integrated LOS geocoding using GPS-quality street data and interactive mapping capabilities.
In/out ratio monitoring
Track lending performance ratios across all loan types and geographic areas with color-coded risk identification.
LMI and MMCT tract analysis
Evaluate service to Low-to-Moderate Income and Majority-Minority census tracts with proxy assignments for race, ethnicity, and gender.
Peer benchmarking
Compare your institution's performance against relevant peer data to give regulators context and gain insights into market position.
Community development tracking
Log and manage community development loans, services, donations, and investments with geocoding, interactive filtering.
Expert guidance
Quarterly meetings with a CRA lending analytics expert to probe deeper and uncover additional insights.
Interactive dashboards & reporting
Access easy-to-understand dashboards, tables, charts, and maps that clearly show your CRA risk exposure across all assessment areas. Generate comprehensive reports with just one click for examination preparation.
Geospatial mapping & visualization
Visualize your loans, deposits, and facilities on interactive maps with overlays for counties, census tracts, and demographic data. Filter views to focus on specific assessment areas or loan types.
Customer Success Story
See how First Financial Bank simplified CRA compliance across 150+ branches—saving time, reducing errors, and strengthening examiner confidence with Ncontracts’ CRA Analytics.
