The National Community Investment Fund's Banking Industry Annual Report finds the CDFI banking sector leads the rest of the banking industry in both amount of lending in low income areas and number of branches in low income communities. The analysis found that CDFI Banks provide 58.7% of their home mortgage lending to distressed communities, while non-CDFIs provide 23.8%. CDFI banks locate 75% of their branches in distressed communities, compared to 50% for non-CDFIs. The report also noted the increasing health of the sector, finding that 52 of the 75 CDFI Banks included in their analysis had a positive ROAA, and 52 reported positive net income.