CRA Comparison
| Rating Factors | Sr. Housing Crime Prevention Foundation | CRA Loan | CRA Loan Pool | Municipal Housing Issue | Low Income Housing Tax Credit Investment | CRA Fund |
| Credit Quality | AAA | AAA to non-rated; based on strength of borrower | AAA Gov't Agency Guarantee | AAA to non-rated: based on strength of issuing entity | High to Low, based on project cash flow and developer strength | High |
| CRA Credit: | ||||||
| Lending | Yes | Yes | No | No | Yes | No |
| Investments | Yes | No | Yes | Yes | Yes | Yes |
| Service | Potentially Yes | No | No | No | No | No |
| Loan Loss Reserve | No | Yes | No | No | No | No |
| Risk Weighting | 20% | 0 to 100% | 0 to 20% | 20 to 50% | 100% | 20% |
| Yield | 7yr. U.S. Agency debentures less 100 bps | Prime +2% or more: Fixed rates based on funding costs |
30 year Agency MBS less 15 bps | Based on term, structure and current yields in municipal market | 10-year TSY + 250 bps | 15-year Agency MPS less 90 bps |
| Full Dollar Credit Each Year | Yes | No | No | No | No | Yes |
| Term | Short | Short/Long | Intermediate/Long | Long/Short | Long | Intermediate |
| Additional Yield Potential | Yes | No | No | No | No | No |
| Touches Real Customers & Family Needs | Yes | No | No | No | No | No |
| Other |
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Usually long maturity and average life | Usually long maturity and harder to find | Usually long maturity and harder to find | Longer average life |
Transforming Lives
With the support of our partners, the Senior Housing Crime Prevention Foundation transforms the lives of vulnerable nursing home residents. It is hard to overstate the transformative effect a bank can have on the life of an elderly person by removing fear from their lives — fear of neglect, fear of theft, fear of needing equipment and not knowing where to turn. Click on the stories below to learn more about how Senior Crime Stoppers is transforming lives every day.
Marquez Hillard Story
Marquez’ Life changed in a second but with the help of Senior Crime Stoppers, his wish for a new wheelchair came true. More
Carolyn Denny Story
The SHCPF has helped to open the pathways of communication for Carolyn with a new laptop. More
Regulatory Letters
