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NCIF Social Performance Metrics Database

The NCIF Social Performance Metrics database tool allows you to search all domestic banks and thrifts according to an institution's organizational, financial and social performance data. For your convenience, please refer to the Glossary for data definitions.

Utilizing the Data
Using the two primary NCIF Social Performance Metrics (DLI-HMDA and DDI), NCIF proposes benchmark values for the entire universe of banks and thrifts. To illustrate, it is possible to plot every institution on the matrix displayed below.

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Proposed Threshold Values
NCIF is proposing a threshold level of 40% for DLI-HMDA i.e. a number that is equivalent to 2 times the average DLI-HMDA for all banks in the country (20.8%). A possible use of this threshold is to say that “a bank that has a DLI-HMDA greater than 40%”, is likely to have a social mission either by choice or by virtue of its activities in low income areas.

Similarly for DDI, NCIF is proposing a threshold level of 50% to indicate “High DDI” and therefore making a statement about its low income service orientation.

Share Your Story
As you become familiar with the Social Performance Metrics, please email the and share with us the ways you are using the data. This information will aid the ongoing development of the Social Performance Metrics.

Acknowledgement
The NCIF Social Performance Metrics project was made possible by the kind support of the F.B. Heron Foundation.

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The NCIF Social Performance Metrics Database tool is available, please click on the button above to launch it.

Summary Social Performance Listing for Minority Depository Institutions and CDFI Banks and Thrifts

Glossary & Primer - This document provides definitions for the NCIF Social Performance Metrics as well as Threshold Values


Additional Data Available through NCIF
While the 2008 information is searchable on the Database Tool above, NCIF has the following information on the NCIF Social Performance Metrics in a format that can be analyzed:

  • DLI-HMDA for 1996 through 2008
  • DDI for 1996 through 2008
  • DLI-Low Income for 1996 through 2007
    This refers to the percentage of an institution's lending directed to low income borrowers, as opposed to being located in low to moderate income census tracts. Income information available via HMDA.
  • Distressed DLI-HMDA for 1996 through 2007
    This refers to the percentage of an institution's lending directed to low to moderate income census tracts that have a higher degree of distress i.e. % of housing loans located in census tracts that have a median household income of 50% (or 40% or lower) of the area median household income. This allows stakeholders to further identify CDBIs operating in distressed areas for support or investment.
  • Financial Information and Summary of Deposits for 1996 through 2008

As of June 30, 2009, NCIF Social Performance Metrics Database has information on all 8,314 banks and thrifts operating in the US going back to 1996. Data for 2009 and future years will be added as it becomes available.

This database allows stakeholders to do the following:

  • Time series analysis of NCIF Social Peformance Metrics between 1996 and 2008
  • Analysis of a CDBI compared to a peer group (that can be defined by a stakeholder) in a particular year.

For more information about these measures, please contact the .

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