An Inside Mortgage Compliance analysis of Community Reinvestment Act ratings over the last six months showed a rising trend among financial institutions with the highest CRA rating. The year-to-date share of CRA outstanding ratings already has reached 8.40 percent as of the end of June, surpassing 2002’s 8.29 percent total for that whole year. At this rate, 2004 is on its way to match or exceed 2003’s 10.56 percent share of outstanding ratings.