The Community Development Department of the Federal Reserve Bank of San Francisco (FRBSF) launched the Community Indicators Project to collect input from community development professionals about the issues and trends facing low- and moderate-income (LMI) communities in the 12th District. We hope that by systematically collecting local viewpoints, we will be able to help our constituents gain a deeper understanding of the challenges facing LMI communities. This issue of Vantage Point synthesizes the key themes that emerged in the fall 2012 survey based on the responses of 365 expert stakeholders from the 12th District. Questions were openended, allowing respondents to raise the issues of greatest concern to them.