Civic Intelligence

Ncif Nfp Inc.

990EZ • Fiscal year 2024 • EIN 86-1472254

Jan 01, 2024 to Dec 31, 2024 • Filed on Nov 14, 2025

25 E Washington Street 1405Chicago, IL 60602

(312) 662-6096

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

99th percentile

9.82x

Higher debt load relative to assets than 99% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

100th percentile

180.87x

Higher debt load relative to revenue than 100% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

2nd percentile

-427%

Higher net margin than 2% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

79th percentile

$0

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

4th percentile

-95%

Faster asset growth than 4% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

1st percentile

-100%

Faster revenue growth than 1% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Assets

Down

$2,320

Down $47,415 (-95%) from 2023

Net Assets

-$20,469

No earlier filing loaded for comparison.

Liabilities

Down

$22,789

Down $46,877 (-67%) from 2023

Revenue

Down

$126

Down $158,238 (-100%) from 2023

Expenses

Down

$664

Down $177,636 (-100%) from 2023

Net Income

Up

-$538

Up $19,398 (+97%) from 2023

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$100K$50K$0-$50KAssets 2021: $3,000Liabilities 2021: $3,0002021Assets 2022: $3,005Liabilities 2022: $3,000Net Assets 2022: $52022Assets 2023: $49,735Liabilities 2023: $69,6662023Assets 2024: $2,320Liabilities 2024: $22,789Net Assets 2024: -$20,4692024

Highlighted filing

2024

Assets$2,320
Liabilities$22,789
Net Assets-$20,469

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$200K$150K$100K$50K$0-$50KRevenue 2021: $0Expenses 2021: $0Net Income 2021: $02021Revenue 2022: $5Expenses 2022: $0Net Income 2022: $52022Revenue 2023: $158,364Expenses 2023: $178,300Net Income 2023: -$19,9362023Revenue 2024: $126Expenses 2024: $664Net Income 2024: -$5382024

Highlighted filing

2024

Revenue$126
Expenses$664
Net Income-$538
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.2
Gross Receipts
$126
Mission and Program Overview

Mission

Ncif nfp, inc. Shallfunction as a "supporting organization," within the meaning of section509(a)(3) of the code, of the national community investment fund(ncif), a trust formed under the laws of illinois pursuant to a trustinstrument dated september 19, 1995. The corporation shall carry outthe charitable activities (as defined in section 170(c)(2) of the code)in support of ncif, including the following: (i) issue debt, solicitand receive charitable contributions and philanthropic grants, and usethe funds raised to make loans or grants to ncif to support thecharitable activities of ncif, (ii) operate a loan loss reserve programby which ncif (and its 100% owned subsidiaries) may transfer to thecorporation the risk of loss on the loans that ncif or its 100% ownedsubsidiaries makes as part of its charitable activities, (iii) otheractivities to support the charitable activities of ncif.

Program Services

DescriptionGrantsExpenses
SUPPORT THE CHARITABLE ACTIVITIES OF NATIONAL COMMUNITYINVESTMENT FUND$0$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
VICTOR ELMOREChair-$0--
ROBERT SCHALLTrustee-$0--
BRENDA ROSS-DULANTrustee-$0--
GEORGE SURGEONTrustee-$0--
TIM SCHWERTFEGERTrustee-$0--
SAURABH NARAINTrustee-$0--
Filing and Contact Details

Filer

Filer Name
Ncif Nfp Inc
EIN
86-1472254
Phone
3126626096
Address
25 E WASHINGTON STREET 1405, CHICAGO, IL 60602

Signing Officer

Name
Saurabh Narain
Title
President & CEO
Phone
3126626096
Signed
2025-11-14
Discuss with paid preparer
Yes

Preparer

Firm
Plante & Moran Pllc
Address
10 S RIVERSIDE PLAZA 9TH FLOOR, CHICAGO, IL 60606
Preparer
David Lowenthal
Phone
3122071040
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 4 - Other Investment Income

Description: interest income. Amount: 126.

Form 990-ez, Part I, Line 16 - Other Expenses

Description: bank charges. Amount: 664.

Form 990-ez, Part II, Line 26 - Other Liabilities

Description: accounts payable and accrued expenses. Beg. Of year amount: 69,666. End of year amount: 22,789.

Raw XML Appendix172 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5SAURABH NARAIN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0CHAIR
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IRS990EZ/OtherChangesInNetAssetsAmt00
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IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0NCIF NFP, INC. SHALLFUNCTION AS A "SUPPORTING ORGANIZATION," WITHIN THE MEANING OF SECTION509(A)(3) OF THE CODE, OF THE NATIONAL COMMUNITY INVESTMENT FUND(NCIF), A TRUST FORMED UNDER THE LAWS OF ILLINOIS PURSUANT TO A TRUSTINSTRUMENT DATED SEPTEMBER 19, 1995. THE CORPORATION SHALL CARRY OUTTHE CHARITABLE ACTIVITIES (AS DEFINED IN SECTION 170(C)(2) OF THE CODE)IN SUPPORT OF NCIF, INCLUDING THE FOLLOWING: (I) ISSUE DEBT, SOLICITAND RECEIVE CHARITABLE CONTRIBUTIONS AND PHILANTHROPIC GRANTS, AND USETHE FUNDS RAISED TO MAKE LOANS OR GRANTS TO NCIF TO SUPPORT THECHARITABLE ACTIVITIES OF NCIF, (II) OPERATE A LOAN LOSS RESERVE PROGRAMBY WHICH NCIF (AND ITS 100% OWNED SUBSIDIARIES) MAY TRANSFER TO THECORPORATION THE RISK OF LOSS ON THE LOANS THAT NCIF OR ITS 100% OWNEDSUBSIDIARIES MAKES AS PART OF ITS CHARITABLE ACTIVITIES, (III) OTHERACTIVITIES TO SUPPORT THE CHARITABLE ACTIVITIES OF NCIF.
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IRS990EZ/ProhibitedTaxShelterTransInd00
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IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0MANAGEMENT AND THE GOVERNING BODY OF NCIF NFP, INC. IS THE SAME AS THE SUPPORTED ORGANIZATION. THIS ALLOWS NCIF NFP, INC. TO CLOSELY MONITOR THE SUPPORTED ORGANIZATION'S SUPPORT IN ORDER TO COMPLY WITH THE PUBLIC SUPPORT TEST. NCIF NFP, INC. PREPARES AN ANNUAL PUBLIC SUPPORT TEST CALCULATION FOR THE SUPPORTED ORGANIZATION TO VERIFY COMPLIANCE.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt1MANAGEMENT AND THE GOVERNING BODY OF NCIF NFP, INC. IS THE SAME AS THE SUPPORTED ORGANIZATION. THIS ALLOWS NCIF NFP, INC. TO CLOSELY MONITOR THE ACTIVITIES OF THE SUPPORTED ORGANIZATION TO ENSURE THEY QUALIFY AS CHARITABLE ACTIVITIES FOR PURPOSES OF SECTION 501(C)(3) AND 170(C)(2)(B).
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0SCHEDULE A, SECTION A, LINE 3B:
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc1SCHEDULE A, SECTION A, LINE 3C:
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: INTEREST INCOME. AMOUNT: 126.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: BANK CHARGES. AMOUNT: 664.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DESCRIPTION: ACCOUNTS PAYABLE AND ACCRUED EXPENSES. BEG. OF YEAR AMOUNT: 69,666. END OF YEAR AMOUNT: 22,789.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SAURABH NARAIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03126626096
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NCIF NFP INC
ReturnHeader/Filer/BusinessNameControlTxt0NCIF
ReturnHeader/Filer/EIN0861472254
ReturnHeader/Filer/PhoneNum03126626096
ReturnHeader/Filer/USAddress/AddressLine1Txt025 E WASHINGTON STREET 1405
ReturnHeader/Filer/USAddress/CityNm0CHICAGO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060602
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0331498605
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0PLANTE & MORAN PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010 S RIVERSIDE PLAZA 9TH FLOOR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CHICAGO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060606
ReturnHeader/PreparerPersonGrp/PhoneNum03122071040
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DAVID LOWENTHAL
ReturnHeader/ReturnTs02025-11-17T09:12:55-06:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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