Contact the Chamber of Commerce, City Hall, Planning Commission, Church groups, Non Profits, Redevelopment Agencies, Health Care organizations, Salvation Army, County governmental agencies, a good cross section of oranizations that serve the community.
Get a demographic analysis of your Assessment Area. Determine where the poverty and LMI areas are which is what Community Development Targets. Then do an analysis of your loan and "deposit" portfolios and see how you stack up with serving these areas. If you have few loan OR Deposit customers from these areas are you really meeting the needs of your community?
Do you have any services or products that meet the credit and banking needs of this community.
Probably everyone is going to have low income housing or need to make it easy to buy a home on their list. Can you develop programs that meet this need?
IMO serving on Boards and going to meetings isn't in keeping with what the regulation is intended to do. Banks are going to actually have to do something that contributes to the economic and social well being of their community to pass the CD Test.
Compliance Analysis and Research - Software for your CRA/HMDA analysis needs