Small federal thrifts are at odds with commercial banking heavyweights over an Office of Thrift Supervision proposal to allow large thrifts to select their Community Reinvestment Act performance test. The proposal, which also drew intense criticism from community groups, comes in the wake of a rule the OTS finalized in October raising the asset threshold for qualifying thrifts for the streamlined lending test under the CRA to $1 billion from $250 million.