You need to establish the calibration factor for your
odometer against a known source such as a GPS or highway markers. For mine it's 5.26% so I simply correct all odometer readings by this amount to get the true mileage before calculating mpg.
Can we assume that you're new to the CRD? If so, and depending on where you live, i.e. colder climate, an uncorrected 20mpg may be absolutely normal for this time of year.
Here is my mpg since new which clearly shows the seasonal trend. BTW, the ~1mpg drop between Jan-Sep 2011 was because I was running with a bad thermostat:
