Examiners evaluate your CRA performance in market context—comparing your lending volume, market share, and borrower demographics to peer institutions. Run the same analysis they do before they arrive. Peer-2-Peer reveals where you're winning, where competitors dominate, and which underserved markets represent strategic opportunities for growth and improved CRA ratings. Don't let community groups analyze your performance before you do.
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Select your comparator institutions and geographic markets, then filter LAR data by volume, geographic vicinity, or asset size to build peer groups matching examiner methodologies. Identify where your market share is strong, where competitors outperform you, and which underserved census tracts represent growth opportunities. Create the same peer comparisons regulators use to evaluate your CRA performance.
Generate Individual Comparator reports showing head-to-head performance, Loan Summaries by Census Tract revealing geographic strengths and gaps, Peer Ranking reports positioning you among top competitors, and Peer Summary reports demonstrating market context. Batch reports together for quarterly board presentations or run them individually for strategic planning.
Answer questions before examiners ask them: "How does our low-income lending compare to peer institutions?" "Are we losing market share in minority neighborhoods?" "Which competitors dominate markets we're underserving?" Peer-2-Peer delivers instant answers that previously required days of manual analysis.
Last updated: January 13, 2026
Examiners evaluate your CRA performance in market context—comparing your lending volume, market share, and borrower demographics to peer institutions. Run the same analysis they do before they arrive. Peer-2-Peer reveals where you're winning, where competitors dominate, and which underserved markets represent strategic opportunities for growth and improved CRA ratings.
The Comply Peer-2-Peer Analysis tool is the most flexible and efficient way to compare your lending patterns to that of your peers. Keep in mind that all reports are templates and you designate the Comparator or Corporate Group (collection of comparator institutions treated as a single institution), Geographic Area(s), filter(s) and the Peer Institution Group to compare against for each geography and filter. Below are just a small subset of the reports that you can create.
The Individual Comparator reports will give you detailed lending information on any institution or Corporate Group. All of these reports are based on standard regulatory examination reports and can be run as individual, top peers combined or all selected peers combined. As with all of the other reports, you have full control over the filtering of the applications.
The Loan Summary by Census Tract Characteristics reports are a great way to size up your institution to your closest 3 peers. These reports will break your data up into every conceivable category and you control the Geographic Area(s) and the filter(s). The Top Peer Market Share will actually compare your volume to your Top Peers, the All Selected Peers, then the entire Market!
Ranking reports are divided up into two categories, Top Peer Rankings and Closest Peer Rankings.
The Top Peer Rankings will show you the Top (you choose the number) of Peers for a given Geographic Area, filter and Reporting Agency. While the Closest Peer Ranking will show you the institutions just above and below you in the categories you choose. Rankings can be done on Total Applications, Filtered Applications, Filtered Percentage or Market Share.
The Peer Summary reports provide a comparison of a comparator's Market Penetration or Market Share with selected Peers. These reports can be run using either the geography at the State or MSA/MD level of the market or by individual Loan Application Register (LAR) fields providing loan count and sums of loan amount with percentages.
Peer-to-peer analysis compares your institution's lending performance to similar financial institutions. Comply Peer-2-Peer analyzes HMDA, CRA, and fair lending patterns against peer institutions you select, helping you understand competitive positioning, identify market gaps, and prepare for regulatory examinations that use peer comparisons.
Comply Peer-2-Peer lets you create custom peer groups based on asset size, geographic service areas, lending volume, regulatory agency, or specific market presence. Select your top 5 competitors, all banks in your MSA, institutions with similar CRA ratings, or create multiple peer groups for different analysis purposes.
Peer-2-Peer generates market share reports, lending performance comparisons, ranking reports showing your position among peers, geographic penetration analysis, and demographic comparison reports. All reports are customizable by geography, loan characteristics, and borrower demographics to focus on areas relevant to your strategy.
Yes, examiners frequently compare your institution to peers during CRA evaluations. Running peer analysis before an exam shows your market context, demonstrates your competitive lending performance in assessment areas, and helps you anticipate examiner questions about market penetration and lending to low- and moderate-income borrowers.
See how Comply Peer-2-Peer streamlines competitive benchmarking
| Task | With Peer-2-Peer | Manual Peer Analysis |
|---|---|---|
| Peer Selection | Filter nationwide institutions by asset size, geography, lending volume, and regulatory agency. Save peer groups for reuse. | Manual research to identify competitors. Download separate HMDA files for each institution. Track peer lists in spreadsheets. |
| Data Access | Complete HMDA and CRA data for all US institutions built-in. Instant access to peer submission data. | Download individual HMDA files from FFIEC website. Convert formats, consolidate multiple files, manage data updates manually. |
| Market Share Analysis | Automated market share calculations comparing your institution to top peers, selected peers, and entire market simultaneously. | Build complex pivot tables and formulas. Calculate totals for each peer, aggregate market, compute percentages. Hours of spreadsheet work. |
| Ranking Reports | Instant ranking by lending volume, market share, or any LAR characteristic. See your position among top competitors or closest peers. | Sort and filter large datasets. Manually identify your institution's rank. Create separate tables for different rankings. Error-prone. |
| Geographic Analysis | Compare performance by state, MSA, county, or census tract. Filter by income characteristics or demographics with point-and-click interface. | Join peer data with geographic and demographic files. Complex VLOOKUP or SQL queries. Maintain separate analysis for each geography. |
| Report Generation | Pre-built templates for CRA performance, pricing comparisons, demographic analysis. Export to PDF or Excel with professional formatting. | Build reports from scratch in Excel or Word. Copy/paste data between files. Manual formatting for each report. Inconsistent styling. |
| Exam Preparation | Generate examiner-style reports showing market context and competitive performance. Anticipate peer comparison questions regulators will ask. | Try to replicate examiner analysis methods. Incomplete peer data. Uncertainty about whether analysis matches regulatory approach. |
| Time to Complete Analysis | Minutes for comprehensive peer benchmarking | Days to weeks of data gathering and analysis |
Trusted by financial institutions nationwide for compliance excellence
Margaret Dolinger
TCA
"RATA provides the tools and resources to assist with lending pattern analysis for fair lending and CRA to maintain appropriate monitoring and reporting. The staff at RATA are helpful and will provide assistance quickly when needed."
May 25, 2022
Scott Shie
River Funding Corporation
"The folks at RATA were outstanding. Every time I had a question, I would speak to someone who either knew the answer immediately or could provide the answer within a very short period of time. Everyone I spoke with knew their product, industry and was willing to do whatever it took to help us solve our problem. I would highly recommend RATA and COMPLY to anyone who is considering this company and product."
December 10, 2016
Mark Mitchell
Panhandle State Bank
"The support has been exceptional. The program is very easy to use. RATA has been one of the best companies I have dealt with in my 25 years of banking. Their service has exceeded my expectations."
August 23, 2016
Discover how Comply Peer-2-Peer provides flexible peer benchmarking that shows exactly how your lending performance compares to institutions like yours.
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