Kadince Blog

By Jaidyn Crookston | July 22, 2021 | 6 Minute Read

An estimated 80% of banks underreport their community development loans. This means that 80% of banks are under-representing their CRA lending performance, which puts their CRA ratings at risk.   The lending portion of the CRA exam...

By Jaidyn Crookston | July 20, 2021 | 5 Minute Read

Are you looking for ways to get CRA credit for your financial institution? With so many possible activities and so few details about what counts for CRA credit, it can be difficult to figure out which activities will be the most ben...

By Linda Ezuka | July 15, 2021 | 5 Minute Read

If you said “the CRA Officer,” I want to challenge your thinking on that. You should consider your bank’s CRA program to be the responsibility of every employee in your company, from the tellers on the bank floor to the back office ...

By Linda Ezuka | July 01, 2021 | 5 Minute Read

Ever wish you could find a way to multiply your financial institution’s impact on the community and improve your CRA performance? Equity Equivalent Investments might be just what you need! Equity Equivalent Investments, or EQ2s, ar...

By Linda Ezuka | June 17, 2021 | 3 Minute Read

Friend! Credit unions can be an essential ally for banks, helping with community development investments and your Community Reinvestment Act (CRA) program.  Ready for a radical idea? Invest in a credit union to improve your CRA inv...

By Linda Ezuka | June 08, 2021 | 3 Minute Read

You want me to place a deposit with a “competing” financial institution? No, we are not out of our minds here. Placing deposits, making an investment, or even providing a grant to a Minority Depository Institution (MDI) may count to...

By Linda Ezuka | May 31, 2021 | 4 Minute Read

Struggling to find ways to bring affordable, flexible capital into your community while creating net income for your bank? A partnership with a Community Development Financial Institution (CDFI) might be the answer you’re looking fo...

By Linda Ezuka | March 30, 2021 | 3 Minute Read

Remember the days when we were volunteering for nonprofit fundraising dinners or waking up early on Saturday morning to participate in a community walk fundraiser? The pandemic has changed many of the ways we volunteer, but the core...

By Linda Ezuka | February 24, 2021 | 3 Minute Read

Are you crystal clear on your bank’s performance? Do key stakeholders know how they fit into the CRA function of the bank? Do you know everything you need to know for your upcoming CRA exam?  These are the questions that all CRA Of...

By Linda Ezuka | February 18, 2021 | 3 Minute Read

Are you looking for impactful, CRA-qualified volunteer opportunities during the pandemic?   The IRS and local social service nonprofits in your communities are looking for volunteers to support the IRS's Volunteer Income Tax Assist...

By Cassandra Giovanni | February 02, 2021 | 4 Minute Read

Stockman Bank of Montana is the largest privately-owned bank in the state. With 36 locations and $4.7 billion in assets, the bank has deep community roots. Ensuring compliance with the Community Reinvestment Act (CRA) is vital to th...

By Linda Ezuka | January 20, 2021 | 4 Minute Read

Data collection, maintenance, and reporting are important aspects of financial institution evaluations under the Community Reinvestment Act (CRA). Financial institutions collect, maintain, and report key data elements to the federal...