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What is the Insights CRA Reporting Data Dictionary?

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What is the Insights CRA Reporting Data Dictionary?
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The following Data Dictionary provides a comprehensive overview of the various fields and their corresponding definitions, categorizations, and data types used for CRA Reporting. 

The chart covers a wide range of information, including geocode-related fields, census-based dimensions, and various measures calculated from the underlying data.

CRA Reporting Data Dictionary

Field Name

Field Category

Field Type

Field Description

CBSA CodeGeocodeDimensionA core-based statistical area is a U.S. geographic area defined by the Office of Management and Budget that consists of one or more counties anchored by an urban center of at least 10,000 people plus adjacent counties that are socioeconomically tied to the urban center by commuting.
CBSA TitleGeocodeDimensionA core-based statistical area is a U.S. geographic area defined by the Office of Management and Budget that consists of one or more counties anchored by an urban center of at least 10,000 people plus adjacent counties that are socioeconomically tied to the urban center by commuting.
Census BlockGeocodeDimensionA census block is the smallest geographic unit used by the United States Census Bureau for the tabulation of 100 percent of data (data collected from all houses, rather than a sample of houses).
Census Block GroupGeocodeDimensionA Census Block Group is a geographical unit used by the United States Census Bureau which is between the Census Tract and the Census Block. It is the smallest geographical unit for which the bureau publishes sample data, i.e. data which is only collected from a fraction of all households.
Census Block Group IDGeocodeDimensionA Census Block Group is a geographical unit used by the United States Census Bureau which is between the Census Tract and the Census Block. It is the smallest geographical unit for which the bureau publishes sample data, i.e. data which is only collected from a fraction of all households.
Census TractGeocodeDimensionA census tract, census area, census district, or mesh block is a geographic region defined for the purpose of taking a census. Sometimes these coincide with the limits of cities, towns, or other administrative areas and several tracts commonly exist within a county.
Census Tract IDGeocodeDimensionA census tract, census area, census district, or mesh block is a geographic region defined to take a census. Sometimes these coincide with the limits of cities, towns, or other administrative areas and several tracts commonly exist within a county.
Census YearGeocodeDimension
The Census year with which any utilized census values have been assigned. The yielded Census Year will be determined by a priority order detailed within each Explore. The Census Year is currently limited to the years 2019-2022. If no date is selected then the default will be to the 2022 Census Year.
CSA CodeGeocodeDimensionCombined statistical area is a United States Office of Management and Budget term for a combination of adjacent metropolitan and micropolitan statistical areas across the 50 US states and the territory of Puerto Rico that can demonstrate economic or social linkage.
CSA TitleGeocodeDimensionCombined statistical area is a United States Office of Management and Budget term for a combination of adjacent metropolitan and micropolitan statistical areas across the 50 US states and the territory of Puerto Rico that can demonstrate economic or social linkage.
Is geocoded? (Yes/No)GeocodeDimensionIf the address has been geocoded then the returned value will be yes, otherwise it will be returned as no.
Latitude/LongitudeGeocodeDimensionThe angular distance north or south of the earth's equator and east or west of the meridian at Greenwich, England.
MSA/MD NameGeocodeDimensionA county or group of counties (or equivalent entities) delineated within a larger metropolitan statistical area, provided that the larger metropolitan statistical area contains a single core with a population of at least 2.5 million and other criteria are met. A Metropolitan Division consists of one or more main/secondary counties that represent an employment center or centers, plus adjacent counties associated with the main/secondary county or counties through commuting ties. Not all metropolitan statistical areas will contain metropolitan divisions.
MSA/MD Median Family IncomeCensusDimensionThe estimated Median Family Income as determined by FFIEC for each MSA/MD in the United States and for each state’s non-MSA/MD area.
Tract % Below Poverty LineCensusDimensionThe number of people in the tract living below the poverty level is divided by the tract's total population.
Tract Income LevelCensusDimensionTract classifications as defined by the HMDA and CRA regulations. This field is based on the Tract Median Family Income %:
If the Median Family Income % is < 50% and > 0 then the Income Level is Low.
If the Median Family Income % is >= 50% and < 80% then the Income Level is Moderate.
If the Median Family Income % is >= 80% and < 120% then the Income Level is Middle.
If the Median Family Income % is >=120% then the Income Level is Upper.
If the Median Family Income % is 0% then the Income Level is Not Known.
Tract Median Family IncomeCensusDimensionThe census tract's estimated Median Family Income (MFI), is based on the FFIEC estimate for the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying the tract's Median Family Income % by the annual FFIEC MSA/MD MFI.
Tract Median Family Income %CensusDimensionThe tract-level Median Family Income (MFI) compared to the MSA/MD level MFI. It is calculated by dividing the Tract MFI by the MSA/MD MFI. (For tracts located outside of an MSA/MD, the MFI used in the denominator is the statewide non-MSA/MD MFI).
Tract Minority %CensusDimensionThe census tract's total population minus the white alone population. It is calculated by dividing the Minority Population by the Tract Population.
Tract Minority PopulationCensusDimensionThe census tract's total population minus the white alone population.
Tract PopulationCensusDimensionThe census tract's population based on the associated Census year.
Tract Underserved or Distressed (Yes/No)CensusDimensionA 'Yes' in this column indicates that the tract is designated as Nonmetropolitan Middle-Income Distressed or Underserved geography based on criteria designated by federal banking and thrift regulators.
Distressed nonmetropolitan middle-income geographies are those located in counties with: (1) an unemployment rate of at least 1.5 times the national average; (2) a poverty rate of 20 percent or more; or (3) a population loss of 5 percent or more in a five-year period preceding the most recent decennial census.
Underserved nonmetropolitan middle-income geographies are those designated with "urban influence codes" numbered 7, 10, 11, and 12 that are maintained by the Economic Research Service of the United States Department of Agriculture.
CSA CountGeocodeMeasureDistinct Count of CSA Codes.
Census Tract CountGeocodeMeasureDistinct Count of Census Tracts.
MSA CountGeocodeMeasureDistinct Count of MSA/MD Names.
Average MSA/MD Median Family IncomeCensusMeasureThe overall average of the estimated Median Family Income as determined by FFIEC for each MSA/MD in the United States and for each state’s non-MSA/MD area.
Average Tract % Below Poverty LineCensusMeasureThe overall average of the number of people in the tract living below the poverty level, divided by the tract's total population.
Average Tract Median Family IncomeCensusMeasureThe overall average of the census tract's estimated Median Family Income (MFI), based on the FFIEC estimate for the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying the tract's Median Family Income % by the annual FFIEC MSA/MD MFI.
Average Tract Median Family Income %CensusMeasureThe overall average of the tract level Median Family Income (MFI) compared to the MSA/MD level MFI. It is calculated by dividing the Tract MFI by the MSA/MD MFI. (For tracts located outside of an MSA/MD, the MFI used in the denominator is the statewide non-MSA/MD MFI).
Average Tract Minority %CensusMeasureThe overall average of the census tract's total population minus the white alone population. It is calculated by dividing the Minority Population by the Tract Population.
Median MSA/MD Median Family IncomeCensusMeasureThe overall median of the estimated Median Family Income as determined by FFIEC for each MSA/MD in the United States and for each state’s non-MSA/MD area.
Median Tract Median Family IncomeCensusMeasureThe overall median of the census tract's estimated Median Family Income (MFI), based on the FFIEC estimate for the MSA/MD or non-MSA/MD area where the tract is located. It is calculated by multiplying the tract's Median Family Income % by the annual FFIEC MSA/MD MFI.
Total Minority PopulationCensusMeasureThe sum of all census tract total populations minus white alone populations.
Total PopulationCensusMeasureThe sum of all census tract populations based on the associated Census year.

 

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