Cindy, to add just another dimension - As you know, CRA in income driven, LMI tracts and individuals, while ECOA is race, gender and ethnicity driven.
During a fair lending exam, regulators take guidance from ECOA and FHAct for discrimination, and the primary driving points are minority individuals and tracts, not income. You may want to additionally identify the percentage of applications and loans compared to minority population in your assessment area, and additionally to see if the market penetration to Majority-Minority tracts (in terms of loans) is similar to the overall market penetration in your AA.
Integrity. With it, nothing else matters. Without it, nothing else matters.