NCIF annually collects information from our partner banks on a wide range of datapoints that communicate the impact of mission-oriented banks in their communities. Bank-reported data is used to make individual Dashboards as well as an aggregate document describing the impact of the combined industry. NCIF assigns each of the self-reported datapoints a Unique ID to facilitate the reporting process.
Where possible, we provide the alignment with the GIIN's IRIS initiative of standardized impact metrics. IRIS is the catalog of generally-accepted performance metrics that leading impact investors use to measure social, environmental, and financial success, evaluate deals, and grow the credibility of the impact investing industry. Using these shared metrics helps to reduce reporting burden and streamline data year to year, improving the data collection and analysis process for all parties. NCIF is proud to be recognized by IRIS, the Partner Metrics for Community Development Banking.
Reporting is also aligned with CDFI Fund application and reporting data points allowing for reporting banks to use data collected for NCIF to complete applications and reporting, and vice versa. Questions have been aligned for the Bank Enterprise Award (BEA), Financial Assistance (FA), and certification applications as well as CIIS reporting. These additions streamline the reporting process for banks and allows for greater accuracy in the data points provided. See below for more information.
Informational • Financial Performance • Organizational Description
Operational Impacts • Product Description • Product Impacts
| Survey # | IRIS ID |
CDFI Fund Alignment |
Name | Description | |
|---|---|---|---|---|---|
| Info1 | 1 | OD5828 | Organization name | Name of the organization. | |
| Info2 | 2 | Individual name | Name of person completing survey. | ||
| Info3 | 3 | Individual title | Title of person completing survey. | ||
| Info4 | 4 | Email address | Email address of person completing survey. | ||
| Info5 | 5 | Phone number | Phone number of person completing survey. | ||
| Info6 | 61 | Hours | Number of hours it took to complete survey. | ||
| FP6 | FP5293 |
FA application CDFI Certification CIIS reporting |
Total assets | The sum of all assets owned by the bank including cash, loans, securities, bank premises, and other assets at reporting period end. | |
| FP7 | FP1129 | FA application | Total loans | The total of loans and lease financing receivables, net of unearned income at reporting period end. | |
| FP9 | FP9083 | FA application | Total deposits | The sum of all deposits including demand deposits, money market deposits, other savings deposits, time deposits, and deposits in foreign offices at reporting period end. | |
| FP10 | FP1301 | FA application | Net income | A bank’s total earnings, calculated as net interest income plus total noninterest income plus realized gains (or losses) on securities and extraordinary items, less total noninterest expense, loan loss provisions, and income taxes at reporting period end. | |
| FP11 | Risk based capital ratio | Total capital (including both Tier 1 core capital and Tier 2 supplemental capital) as a percentage of risk-weighted assets, as defined by the appropriate federal regulator at reporting period end. | |||
| FP12 | Tier 1 risk-based ratio | Tier 1 (core) capital as a percent of risk-weighted assets, as defined by the appropriate federal regulator at reporting period end. | |||
| FP13 | Tier 1 common risk-based ratio | Tier 1 common capital as a percent of risk-weighted assets. | |||
| FP14 | Leverage ratio | Tier 1 (core) capital as a percent of average total assets minus ineligible intangibles, showing the relationship between the bank’s core capital and total assets at reporting period end. |
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| FP15 | CIIS reporting | Non-performing loans ratio | Nonperforming loans/total loans at reporting period end. The sum of loans and leases 90 days or more past due, and loans and leases in nonaccrual status, as a percentage of gross loans and leases. This ratio shows the portion of a bank’s loans that may have to be written off in the future. | ||
| FP16 |
(FP9717+ FP3939)/ |
FA application CIIS reporting |
Net charge off ratio | Net charge offs/average loans at reporting period end. The sum of loans and leases charged off (removed from balance sheet because of uncollectibility), less recoveries, as a percentage of average total loans. | |
| FP17 | Loan loss reserves | Loan loss reserves/gross loans at reporting period end. The amount of money reserved for uncollectible loans as a percentage of total loans and lease financing receivables, excluding unearned income. | |||
| FP18 | Real estate loans ratio | Loan composition: real estate loans as a % of total loans | |||
| FP19 | Construction loans ratio | Loan composition: construction loans as a % of total loans | |||
| FP20 | Multi-family loans ratio | Loan composition: housing, 5+ family loans as a % of total loans | |||
| FP21 | Single-family loans ratio | Loan composition: housing, 1-4 family loans as a % of total loans | |||
| FP22 | Commercial loans ratio | Loan composition: commercial loans as a % of total loans | |||
| FP23 | Farm loans ratio | Loan composition: loans secured by farmland as a % of total loans | |||
| FP24 | C&I loans ratio | Loan composition: commercial and industrial loans as a % of total loans | |||
| FP25 | Consumer loans ratio | Loan composition: consumer loans as a % of total loans | |||
| FP26 | Agricultural loans ratio | Loan composition: loans to finance agricultural production and other loans to farmers as a % of total loans | |||
| FP27 | FP4326 | Return on assets | Return on assets at reporting period end. Calculated as net income after taxes and extraordinary items as a percentage of average total assets. | ||
| FP28 | FP2651 | Return on equity | Return on equity at reporting period end. Net income as a percentage of average equity on a consolidated basis. | ||
| FP29 | Net interest income/average assets | Net interest income/average assets at reporting period end. Total interest income less total interest expense, as a percentage of average earning assets. | |||
| FP30 |
(FP2321+ FP1012)/ |
Efficiency ratio | Measures the proportion of net operating revenues that are absorbed by overhead expenses, so that a lower value indicates greater efficiency. Calculated as noninterest expense of intangible assets, as a percent of net interest income plus noninterest income. | ||
| FP31 | Loans/deposits ratio | Loans/deposits at reporting period end. Calculated as loans and lease financing receivables, net of unearned income, allowances, and reserves, as a percentage of total deposits. | |||
| FP32 | Net non-core funding dependence | Net non-core funding dependence at reporting period end. Non-core liabilities less short-term investments divided by long-term assets. | |||
| OD1 | 9 | OD2735 | CDFI Certification | Mission statement | The mission statement of the organization. |
| OD4 | 6 | OD7111 | CIIS reporting | Fiscal year end | Date of institution's fiscal year end. IRIS ID refers to end of reporting period, which should be the fiscal year end for NCIF reporting. |
| OD5 | 7 | OD9109 | CDFI status | Community Development Financial Institution (CDFI) certification status of the institution. The certification is issued by the CDFI Fund. | |
| OD6 | 8 | MDI status | Minority Depository Institution (MDI) status of the institution. Status comes from the FDIC. | ||
| OD7 | 55 | OD2319 | FA application | Partnership narrative | Description of existing partnerships the institution has with the surrounding community? Examples may include partnerships with other banks, loan funds, universities, business development centers, non-profit organizations, foundations, and various civic organizations. Please note if the bank is engaged in engaged in public policy or advocacy projects or is the institution involved in regional and national trade groups. |
| OD8 | 52 |
FA application CDFI Certification |
Market need narrative | Description of the market in which the bank operates, Include areas served, an overview of economic conditions compared to the surrounding area and other information that may distinguish your bank’s service area from that of others. Include descriptions of particular underserved or specific clients served. | |
| OD12 | Service area | The size of the service area of the institution. Options include National, Multi-state, State, Multi-county, County, and City or Town. | |||
| OD13 | 51 | Institution overview narrative | Institution Overview | ||
| OI1 | 10 | OI3160 | Full-time employees: total | Number of paid full-time employees at the organization as of the end of the reporting period. Full-time employees work at least 35 hours per week. | |
| OI2 | 10 | OI6213 | Full-time employees: female | Number of paid full-time female employees at the organization as of the end of the reporting period. Full-time employees work at least 35 hours per week. | |
| OI3 | 10 | OI8147 | Full-time employees: minority | Number of paid full-time employees at the organization who belong to minority or previously excluded groups as of the end of the reporting period. Per the CDFI Fund TLR reporting guidelines, “minority” is defined as persons who are not racially White. | |
| OI4 | 10 | OI1075 | Board of directors: total | Number of members of the organization's board of directors or other governing body, as of the end of the reporting period. | |
| OI5 | 10 | OI8118 | Board of directors: female | Number of female members of the organization's board of directors or other governing body, as of the end of the reporting period. | |
| OI6 | 10 | OI6696 | Board of directors: minority | Number of board of directors or other governing body members who belong to minority or previously excluded groups, as of the end of the reporting period. Per the CDFI Fund TLR reporting guidelines, “minority” is defined as persons who are not racially White. | |
| OI14 | 42 | Green/ environmentally friendly policies | Indicate if the institution has any other written policies or procedures in place to promote green or environmentally responsible practices. Green or environmentally responsibly practices include procurement policies, operational activities, lending or other practices which reduce greenhouse gases, volatile organic compounds, or other harmful chemicals and waste and/or practices which support conservation of energy and other resources. | ||
| OI15 | 43 | Green/ environmentally friendly procurement policies | Indicate if the institution has procurement policies which promote green or environmentally responsible purchases. Examples may include green office supplies, green cleaning products, purchases of office equipment. | ||
| OI16 | 45 | Greenhouse gas and energy use tracking | Indicate if the institution tracks energy use or greenhouse gases. This may include greenhouse gases (GHG) emitted through the organization's operations during the reporting period. This should include GHG emissions from direct and indirect sources. | ||
| OI17 | 45b | Tracking method | Description of the tracking methods for greenhouse gas emissions or energy use. | ||
| OI18 | 46 | OI6765 | Green building practices | Indicate whether the organization employs green building practices. Include certifications such as LEED or other third party building certifications. | |
| OI19 | 46b | Buildings with certification | Indicate the percentage of buildings which have green building practices or are certified through LEED or similar programs. Include both headquarters and branch locations. | ||
| OI20 | 48 | Green/ environmentally friendly lending priorities | Description of the institution’s green or environmentally responsible lending priorities. Indicate if the bank has interests in particular lending products or preferences for projects with green or environmentally responsible elements. Green or environmentally responsible lending includes a) loans to entities whose primary function relates to environmentally sustainable ends and/or b) loans that have a primary intended use of funds to promote environmental sustainability. Examples include financing alternative energy generation; construction or renovations that include green features; an environmentally sustainable small business; organizations whose primary focus is conservation, sustainability, or environmental education. | ||
| OI22 | Green/ environmentally friendly lending tracking | Description of how the institution tracks the impacts of green or environmentally responsible loans. Green or environmentally responsible lending includes a) loans to entities whose primary function relates to environmentally sustainable ends and/or b) loans that have a primary intended use of funds to promote environmental sustainability. Green or environmentally responsible loans may result in positive impacts in their communities. For example, a loan to an alternative energy production plant may result in a reduction of emission rates of greenhouse gases associated with coal or gas power plants. Please provide a description of impacts tracked or indicate if the impacts are not currently tracked. Institutions should refer to internal understandings of green or environmentally responsible. | |||
| OI23 | 47 | PD7932 | Green/ environmentally friendly policies | Indicate if the institution has any other written policies or procedures in place to promote green or environmentally responsible practices. Green or environmentally responsibly practices include procurement policies, operational activities, lending or other practices which reduce greenhouse gases, volatile organic compounds, or other harmful chemicals and waste and/or practices which support conservation of energy and other resources. | |
| OI24 | 44 | Local sourcing | Indicate if the institution has a procurement policy which supports the local sourcing of products. | ||
| PD1 | 11 | OD1777 | Service area states | List of the US states in which the institution operates. Include all states in which the institution provides products or services or has branch locations. | |
| PD2 | 13 | Mission-oriented loans | Indicate if the institution provide mission-oriented loans. These loans support a type of lending or type of client that is identified in the organization’s mission or supports goals as defined by the organization. | ||
| PD3 | 56 | PD9681 | FA application | Non-financial services narrative | Description of any non-financial services offered by the institution. For example, does the institution offer financial training and literacy to individuals, community groups and businesses? Does it offer other services such as discounted tax preparation advice, workshops and counseling? |
| PD4 | 22 | PD5098 | Other financial services offered: prepaid cards | Indicate if the institution offers prepaid cards. Prepaid cards are issued by a financial institution that is preloaded with funds and is used like a normal credit card. | |
| PD5 | 23 | PD5098 | Other financial services offered: mobile banking | Indicate if the institution offers mobile banking. Mobile banking is conducted with the use of wireless handheld devices such as cellular phones and to conduct banking transactions. | |
| PD6 | 25 | PD5098 | Other financial services offered: check cashing | Indicate if the institution offers check cashing as an alternative to check cashing agencies. | |
| PD7 | 26 | PD5098 | Other financial services offered: deposit secured loans | Indicate if the institution offers deposit secured loans. Deposit secured loans use the individuals funds, often in a savings or checking account, as collateral for the loan. | |
| PD8 | 14 | PD5098 | Other financial services offered: small dollar loans | Indicate if the institution offers small dollar loans. Per the CDFI Fund, Small Dollar Consumer Loans are affordable loans that serve as available alternatives to the marketplace for individuals who are Eligible Residents with a total principal value between $500 and $5,000 and have a term of ninety (90) days or more. | |
| PD9 | 30 | PD5098 | Other financial services offered: other | List any additional products or services targeted to low- and moderate-income clients that are not otherwise listed. | |
| PD10 | 53 | FA application | Credit products and services narrative | Description of the credit products and services offered by the institution and how do they accommodate the needs of low-and moderate-income customers. Examples include: does the institution offer credit builder products or mortgage products tailored to the needs of its customer segments, is the institution a SBA Preferred Lender, or does it use Alternative Credit Scores to evaluate credit worthiness, etc. | |
| PD11 | 54 | Non-credit products and services narrative | Description of the retail deposit, savings and checking products offered, and how do they cater to the low and moderate income communities. For example, how does the institution utilize credit cards, debit cards, stored value cards, Individual Development Accounts (IDAs) and other innovative financial services to serve underbanked consumers? | ||
| PD13 | 16 | NMTC transactions: number | The number of New Market Tax Credit transactions that the bank participated in during the reporting period. This includes loan participations, equity investments, receiving an allocation etc. | ||
| PD14 | 16 | NMTC transactions: dollar amount | The dollar amount of New Market Tax Credit transactions that the bank participated in during the reporting period. | ||
| PD15 | 34 | Credit score | The average credit score for borrowers. Provide the average credit score for all clients who recieved a loan during the reporting period. | ||
| PD18 | 24 | PD5098 | Other financial services offered: online banking | Indicate if the institution offers online banking. Online banking includes online functions to transfer funds to and from accounts, pay bills, and view your account balances, transactions, statements, paid checks, and deposit slips etc. | |
| PD19 | 27 | PD5098 | Other financial services offered: secured credit cards | Indicate if the institution offers secure credit cards. Secured credit cards are backed by a savings account used as collateral on the credit available with the card. Money is deposited and held in the account backing the card. | |
| PD20 | 29 | PD5098 | CIIS reporting | Other financial services offered: IDA accounts | Indicate if the institution offers Individual Development Accounts (IDA). A savings account often designed for lower-income individuals, an IDA is used for a specific purpose such as education, purchasing a first home, or starting a business. |
| PD21 | 19 | PD5098 | Volunteer Income Tax Assistance offered | Indicate if the institution offers Volunteer Income Tax Assistance (VITA). Sites which offer VITA offer free tax help to people making below an income threshold. IRS-certified volunteers provide free basic income tax return preparation with electronic filing to qualified individuals. | |
| PD22 | 13, 49 |
Green\ environmentally friendly lending |
Indicate if the institution provides green and\or environmentally friendly loans. Green or environmentally responsible lending includes a) loans to entities whose primary function relates to environmentally sustainable ends and/or b) loans to a projects that promote environmentally sustainability. | ||
| PD23 | 13 | CIIS reporting | Lending to women-owned businesses | Indicate if the institution provides loans to women-owned businesses. Per the CDFI Fund, a women-owned or controlled business is a business that is more than 50 percent owned or controlled by one or more women. If the business is a for- profit concern, 50 percent or more of its owners must be women; if the business is a nonprofit concern, 50 percent or more of its board of directors must be women (or, its Chief Executive Officer or Executive Director, General Partner, or Managing Member must be a woman). | |
| PD24 | 13 | CIIS reporting | Lending to minority-owned businesses | Indicate if the institution provides loans to minority-owned businesses. Per the CDFI Fund, a minority-owned or controlled business is a business that is more than 50 percent owned or controlled by one or more minorities. If the business is a for- profit concern, more than 50 percent of its owners must be minorities; if the business is a nonprofit concern, more than 50 percent of its board of directors must be minorities (or, its Chief Executive Officer, Executive Director, General Partner, or Managing Member must be minority). | |
| PD25 | 13 | PI7098 |
FA application CIIS reporting |
Lending to low-income borrowers | Indicate if the institution provides loans to low-income borrowers. Per the CDFI Fund, an individual is low-income if they have an annual income, adjusted for family size, of not more than: for metropolitan areas, 80 percent of the area median family income; and for non-metropolitan areas, the greater of: (i) 80 percent of the area median family income; or (ii) 80 percent of the statewide non-metropolitan area median family income. |
| PD26 | 13 | PI4237 | FA application | Lending to minority borrowers | Indicate if the institution provides loans in minorities. Per the CDFI Fund, an individual is a minority if they are not racially white. |
| PD27 | 13 | PD7993 | Lending to nonprofit organizations | Indicate if the institution provides loans to nonprofit organizations. | |
| PD28 | 13 | Lending to faith-based organizations | Indicate if the institution provides loans to faith-based organizations. | ||
| PD29 | 13 | Lending to community development projects | Indicate if the institution provides loans to projects that support community development | ||
| PD30 | 13 | PD2541 | Lending to low- and moderate-income areas | Indicate if the institution provides loans in low- to moderate-income areas. | |
| PD31 | 13 | PD2541 | Lending to projects benefiting low- and moderate-income individuals |
Indicate if the institution provides loans to projects which benefit low- to moderate-income individuals. |
|
| PD32 | 13 | CIIS reporting | Lending to other targeted populations (OTP) | Indicate if the institution provides loans to other targeted populations. Per the CDFI Fund, other targeted populations are a CDFI Program Target Market that is an identifiable group of individuals in the organization's service area for which there exists a strong basis in evidence that the group lacks access to loans, equity investments, and/or financial services. | |
| PD33 | PD5098 | Other financial services offered: unsecured credit cards | Indicate if the institution offers unsecured credit cards. Unsecured credit cards are not backed by any depository account that can be used as collateral on the credit available with the card. | ||
| PD34 | PD5098 | Other financial services offered: trust, insurance, and/or asset management services | Indicate if the institution offers trust, insurance, and/or asset management services. | ||
| PI1 | 17 | PI5352 |
CDFI Certification CIIS reporting |
Individuals receiving training: technical assistance | Number of individuals who received one-on-one technical assistance from the organization during the reporting period. Count all individuals that attended formal workshops and seminars as well as those individuals that received assistance from bank staff to qualify for a loan, access a financial product, etc. Training of an institution's own employees is not included in this metric. |
| PI2 | 18 | PI6065 | CDFI Certification | Organizations receiving training | Number of organizations that received training from the reporting organization during the reporting period. Count all organizations that attended formal workshops and seminars or that received assistance from bank staff to qualify for a loan, access a financial product, etc. Training of an institution's own employees is not included in this metric. |
| PI3 | 12 | PI1190 | Client individuals: rural | Number of unique individuals in rural areas who were clients of the organization during the reporting period. Rural areas are those not characterized as peri-urban (suburban) or urban. The principal difference between urban and rural areas tends to be a matter of the degree of concentration of population. | |
| PI4 | 12 | PI6751 | Client individuals: urban | Number of unique individuals in urban areas who were clients of the organization during the reporting period. Urban areas are characterized by higher population density and vast human features in comparison to areas surrounding it. Include both central city and surrounding suburbs. | |
| PI5 | 32 | PI4237 | Client individuals: minority | Number of unique individuals who belong to minority or previously excluded groups and were clients of the organization during the reporting period. Per the CDFI Fund TLR reporting guidelines, “minority” is defined as persons who are not racially White. | |
| PI6 | 32 | PI8330 | Client individuals: female | Number of unique women who were clients of the organization during the reporting period. | |
| PI7 | 33 | PI4060 | Total lending clients | Number of the total lending clients the institution had in at the end of the reporting period. | |
| PI8 | 33 | PI4060 | Total deposit clients | Number of the total deposit clients the institution had at the end of the reporting period. Includes checking, savings and time deposits. Each customer should be counted once, regardless of how many accounts they hold. | |
| PI9 | 21 | Total deposit accounts | Number of deposit accounts held at reporting period end. Provide a count of the total number of deposit accounts the institution had during the reporting period. Count each account separately. | ||
| PI12 | 21 | Total small deposit accounts | Number of deposit accounts with less $1,000 as of the end of the reporting period. | ||
| PI13 | 33 | PI4060 | Total transaction clients | Number of the total transaction clients the institution at the end of the reporting period. Transactions clients include those accessing non-credit and non-savings products and services such as check cashing, remittance and bill pay. | |
| PI14 | 36 | PI3687 |
FA application CIIS reporting |
Jobs created at directly supported/ financed enterprises: total | Net number of new full-time equivalent employees working for enterprises financed or supported by the organization at the end of the reporting period, and since the beginning of support/investment by the organization. For example, what is the number of jobs created at a business that received a loan? |
| PI15 | 38 | Jobs created at directly supported/ financed enterprises: female | Net number of new full-time equivalent employees who are female working for enterprises financed or supported by the organization at the end of the reporting period, and since the beginning of support/investment by the organization. | ||
| PI16 | 40 | Jobs created at directly supported/ financed enterprises: minority | Net number of new full-time equivalent employees who are minorities working for enterprises financed or supported by the organization at the end of the reporting period, and since the beginning of support/investment by the organization. Per the CDFI Fund TLR reporting guidelines, “minority” is defined as persons who are not racially White. | ||
| PI22 | 15 | FA application | Off balance sheet loans: number | The number of off-balance sheet loans. These loans were originated and then sold to third parties such as Fannie Mae and Freddie Mac and are otherwise not reflected on the institution’s balance sheet. Include loans from the reporting period. | |
| PI23 | 15 | FA application | Off balance sheet loans: dollar amount | The dollar value of off-balance sheet loans. These loans were originated and then sold to third parties such as Fannie Mae and Freddie Mac and are otherwise not reflected on the institution’s balance sheet. Include loans from the reporting period. | |
| PI24 | 49 | Green/ environmentally friendly loans originated: number | Number of green or environmentally responsible loans originated during the reporting period. Green or environmentally responsible lending includes a) loans to entities whose primary function relates to environmentally sustainable ends and/or b) loans that have a primary intended use of funds to promote environmental sustainability. Examples include financing alternative energy generation; construction or renovations that include green features; an environmentally sustainable small business; organizations whose primary focus is conservation, sustainability, or environmental education. | ||
| PI25 | 50 | Green/ environmentally friendly loans originated: dollar amount | Dollar amount of green or environmentally responsible loans originated during the reporting period. Green or environmentally responsible lending includes a) loans to entities whose primary function relates to environmentally sustainable ends and/or b) loans that have a primary intended use of funds to promote environmental sustainability. Examples include financing alternative energy generation; construction or renovations that include green features; an environmentally sustainable small business; organizations whose primary focus is conservation, sustainability, or environmental education. | ||
| PI26 | 33 | PI4060 | Client individuaks: total | Number of unique individuals who were clients of the organization during the reporting period. This number should count clients from all products types as unique individuals. This will number will serve to illustrate the institution's total reach within its communities. Providing this number separately from the additional clients served questions that follow will prevent double counting. | |
| PI27 | 35 | OI5479 | New jobs at bank | Number of new full time equivalent jobs created at the reporting institution during the reporting period. Employees with full time jobs work at least 35 hours per week. | |
| PI28 | 20 | Dollar value of technical assistance | Quantify the dollar value of all technical assistance provided by the bank based on staff time committed and other costs expended. Include value of formal workshops and seminars as well as those individuals that received assistance from bank staff to qualify for a loan, access a financial product, etc. Training of an institution's own employees is not included in this metric. | ||