As NCIF seeks to identify Community Development Banking Institutions and drive socially responsible investment to them, we have developed a comprehensive CDBI screening system that provides key information about the community development mission of banks. Applying these screens, we are able to identify CDBIs and analyze them as potential investment targets through qualitative and quantitative measurements.



NCIF Social Performance Metrics^SM
NCIF's Social Performance Metrics^SM combine financial performance data with social performance data to quantitatively identify CDBIs and evaluate them as potential investment prospects. NCIF has calculated the Social Performance Metrics values for every domestic bank and thrift for the years 1996 through 2008 and is able to link this information with each institution’s financial information that is available through the Statistics on Depository Institutions database on www.fdic.gov. For additional information about the NCIF Social Performance Metrics^SM, please contact the .

Development Lending Intensity - Home Mortgage Disclosure Act (DLI-HMDA): The percentage of an institution’s single and multi-family housing loan originations and purchases that is located in CDFI Fund Investment Area census tracts. Census tracts are defined as Investment Areas if they have a poverty rate greater than 20%, an unemployment rate greater than 1.5 times the national average, or a median family income that is less than 80% of the relevant statistical area. All information is based on the HMDA database and the 2000 Census data.

Adjusted Development Lending Intensity (DLI): This is calculated by excluding the high rate loans in Low to Moderate Income Communities from the total DLI—HMDA. Note: HMDA classifies loans that are priced at 3.0% or more above the relative rate benchmark as “high rate loans.”

Development Deposit Intensity (DDI): The percentage of an institution’s branch locations that are located in CDFI Fund Investment Area census tracts. NCIF calculated the DDI for every institution that reported a recognizable address. All information is based on the Summary of Deposits, a database maintained by the Federal Deposit Insurance Corporation (www.fdic.gov).

Low Income Development Lending Intensity: This version of DLI is calculated using the household income value reported through HMDA. A borrower is considered “low–income” if the household income is less than 80% of the relevant statistical area. All information is based on the HMDA database and the 2000 Census data.

Click the button above to access the NCIF Social Performance Metrics^SM Database


Please click the access the paper Social Performance Measurement for CDFI Banks, written by David Porteous and Saurabh Narain.

Development Impact of NCIF Investees Report
NCIF has released the 2007 Development Impact of NCIF Investees Report. Each year, NCIF conducts an analysis of the lending activities of the institutions within its portfolio in an attempt to measure the level of lending being directed towards low income areas and borrowers. Since NCIF began tracking the activities of its portfolio institutions in 1998, they have generated over $4.3 billion in over 91,000 loans through 2008 that are geo-coded and tracked to low income communities or low income borrowers.