Wholesale or Limited Purpose Institutions | Ratings Matrix

Community Development Test Characteristic

OUTSTANDING

SATISFACTORY

NEEDS TO IMPROVE

SUBSTANTIAL NONCOMPLIANCE

Investment, loan, and service activity

The institution has a high level of community development loans, community development services, or qualified investments, particularly investments that are not routinely provided by private investors.

The institution has an adequate level of community development loans, community

development services, or qualified investments, particularly investments that are not routinely provided by private investors.

The institution has a poor level of community development loans, community development services, or qualified investments, particularly investments that are not routinely provided by private investors

The institution has few, if any, community development loans, community development services, or qualified investments, particularly investments that are not routinely provided by private investors.

Investment, loan, and service initiatives

The institution extensively uses innovative or complex qualified investments, community development loans, or community development services.

The institution occasionally uses innovative or complex qualified investments, community development loans, or community development services.

The institution rarely uses innovative or complex qualified investments, community development loans, or community development services.

Responsiveness to community development needs

The institution exhibits excellent responsiveness to credit and community economic development needs in its assessment area(s).

The institution exhibits adequate responsiveness to credit and community economic development needs in its assessment area(s).

The institution exhibits poor responsiveness to credit and community economic needs in its assessment area(s).

The institution exhibits very poor responsiveness to credit and community economic development needs in its assessment area(s).