Narramore Christian Foundation, Inc. 
Summary
Narramore Christian Foundation ("NCF") is a Christian mental health organization dedicated to preventing and solving of human problems. NCF serves people throughout the world through literature, radio, the worldwide web, training seminars and counseling. NCF was founded by psychologist, Dr. Clyde Narramore. The Narramore Christian Foundation has a number of ministries to serve people. Psychology for Living (a daily 15-minute broadcast) deals with solutions to everyday problems. Psychology for Living and Special Insight are magazines published on alternate months. Videos on everyday problems are available for use by individuals, families, churches, schools and other groups. Crisis counseling is available for overseas missionaries. Seminars are provided for sons and daughters of missionaries. Training is given to pastors and missionaries. Significant use is made email, correspondence and Internet ministries. And literature is provided for prisoners. This organization is a nonprofit. Contributions to it are fully tax deductible to the extent allowed by law. It is a member of the Evangelical Council for Financial Accountability (ECFA).
Contact information
Mailing address:
P. O. Box 661900
Arcadia, CA 91066-1900
Website: www.ncfliving.org
Phone: (626) 821-8400
Email: ncf@ncfliving.org
Organization details
EIN: 952018760
CEO/President: Dr. Bruce Narramore
Chairman: Dr. Cherry Steinmeier
Board size: 13
Founder: Dr. Clyde & Mrs. Ruth Narramore
Year founded: 1958
Tax deductible: Yes
Fiscal year end: 06/30
Member of ECFA: Yes
Member of ECFA since: 1980
Purpose
Narramore Christian Foundation ("NCF") is a Christian mental health organization dedicated to preventing and solving of human problems. NCF serves people throughout the world through literature, radio, the worldwide web, training seminars and counseling. NCF was founded by psychologist, Dr. Clyde Narramore. The Narramore Christian Foundation has a number of ministries to serve people. Psychology for Living (a daily 15-minute broadcast) deals with solutions to everyday problems. Psychology for Living and Special Insight are magazines published on alternate months. Videos on everyday problems are available for use by individuals, families, churches, schools and other groups. Crisis counseling is available for overseas missionaries. Seminars are provided for sons and daughters of missionaries. Training is given to pastors and missionaries. Significant use is made email, correspondence and Internet ministries. And literature is provided for prisoners.
This organization is a nonprofit. Contributions to it are fully tax deductible to the extent allowed by law. It is a member of the Evangelical Council for Financial Accountability (ECFA).
Mission statement
Narramore Christian Foundation's Statement of Purpose is:
A Ministry Dedicated to Preventing and Solving Human Problems - every person is worth understanding.
Statement of faith
Narramore Christian Foundation's Statement of Faith is:
We believe that the Bible, composed of the Old and New Testaments, is the Word of God, a divine, supernatural revelation. I believe in the plenary, verbal inspiration of the original writings of the Scriptures, and that as thus given they were wholly without error of any kind (2 Tim. 3:16, 17).
We believe in one Triune God; Father, Son, and Holy Spirit (I Peter 1:2; Matthew 28:19). I believe that they are co-equal in power and glory, identical in their essential natures, attributes, and perfections and that they are co-eternal (Genesis 1:2, John 17:5). In His essential nature, God is spirit as opposed to material (John 4:24); at to His essential attributes God is absolutely holy, embracing the sum of all moral perfections (I Peter 1:16); as to His essential character, God is love (I John 4:16; John 3:16).
We believe that Jesus Christ "being the eternal Son of God, became man" (Hebrew 2:16; John 1:14; Luke 1:35), and that He continues to be the God-Man, in two distinct natures, and one person forever (John 1:14; Romans 9:5; Colossians 2:9; Hebrews 13:8). I believe that Jesus Christ was conceived by the Holy Spirit and born of the virgin Mary, thus being True God and True Man.
We believe that He died upon the cross a vicarious substitutionary death, thereby making atonement for the sin of the world (John 1:29). I believe that He is the only Redeemer (Acts 4:12), and that His atonement is sufficient for the sins of all the world (Hebrew 7:25; I John 2:2), and efficacious for all who believe (John 3:16, 26; Isaiah 45:22).
We believe that He bodily arose from the dead, that He ascended into Heaven; that there in His state of glorification He is now the interceding High Priest, Intercessor, and Advocate for all believers (Corinthians 15:20; Luke 24:26; Acts 1:3; Hebrew 7:25; 4:15, 2:17; I John 2:1).
We believe that as in His first advent He became incarnate and dwelt on earth personally, bodily, visibly in an earthly tabernacle of flesh, "the body of His humiliation," even so in His second advent He will return personally, bodily, visibly, but in the body of His glorification, to set up His kingdom and to judge the world in righteousness (Acts 1:9, 11; I Thessalonians 4:13-18; Matthew 25:31-46; Revelation 20:4-6, 11-15).
We believe that man, created in the image of God, fell into sin through the sin of the first Adam and thereby brought upon himself death both physical and spiritual; and that all human beings share this guilt and inherit this sin-nature from the first Adam. In order to secure salvation and restoration, man must be born again. Salvation is by grace through faith in Christ "Who His own self bore our sins in His own body on the tree: (I Peter 2:24). I believe that the punishment of the wicked and unbelieving, and the reward of the righteous are everlasting, and as the reward is conscious, so is the punishment (Genesis 1:26-28; Romans 3:10, John 3:16; Acts 4:12, 13:38-39; Matthew 25:46; II Corinthians 5:1; II Thessalonians 1:10).
We believe that there is a personal devil, a being of great cunning who can exert vast power only so far as God suffers him to do so, and who shall ultimately be cast into the lake of fire and brimstone (I Peter 5:8; Revelation 20:10; Ephesians 6:11).
We believe that the Holy Spirit, the third Person of the Godhead, indwells all believers in the Lord Jesus Christ
(I Corinthians 6:19), baptizes them into the body of Christ, and seals them unto the day of redemption (Ephesians 1:13). The Holy Spirit convinces and "reproves the world of sin and of righteousness and of judgment" (Romans 8:9; Ephesians 1:13-14, 5:18-20; John 16:8-11).
We believe that the Church is the body of Christ, a spiritual organism composed of all born-again persons in this present age, that the primary mission of the church is to witness concerning the Head, Jesus Christ, and to preach the gospel among all nations, and that the church will be caught up to meet the Lord in the air prior to His appearing to set up His Kingdom (Ephesians 1:3-6, 22-23; I Corinthians 12:12-14; Matthew 28:19-20; I Thessalonians 4:16-18).
Transparency grade
A
To understand our transparency grade, click here.
Financial efficiency ratings
Sector: Christian Growth
| Category | Rating | Overall rank | Sector rank |
| Overall efficiency rating | | 632 of 725 | 46 of 56 |
| Fund acquisition rating | | 478 of 726 | 32 of 56 |
| Resource allocation rating | | 510 of 726 | 40 of 56 |
| Asset utilization rating | | 614 of 725 | 42 of 56 |
Financial ratios
| Funding ratios | Sector median | 2018 | 2017 | 2016 | 2015 | 2014 |
Return on fundraising efforts Return on fundraising efforts = Fundraising expense / Total contributions | 7% | 34% | 33% | 21% | 24% | 36% |
Fundraising cost ratio Fundraising cost ratio = Fundraising expense / Total revenue | 5% | 2% | 16% | 14% | 17% | 21% |
Contributions reliance Contributions reliance = Total contributions / Total revenue | 83% | 7% | 47% | 65% | 74% | 59% |
Fundraising expense ratio Fundraising expense ratio = Fundraising expense / Total expenses | 5% | 7% | 10% | 10% | 10% | 9% |
Other revenue reliance Other revenue reliance = Total other revenue / Total revenue | 17% | 93% | 53% | 35% | 26% | 41% |
| Operating ratios | Sector median | 2018 | 2017 | 2016 | 2015 | 2014 |
Program expense ratio Program expense ratio = Program services / Total expenses | 78% | 68% | 66% | 65% | 69% | 71% |
Spending ratio Spending ratio = Total expenses / Total revenue | 97% | 35% | 163% | 139% | 184% | 243% |
Program output ratio Program output ratio = Program services / Total revenue | 76% | 24% | 108% | 91% | 127% | 173% |
Savings ratio Savings ratio = Surplus (deficit) / Total revenue | 3% | 65% | -63% | -39% | -84% | -143% |
Reserve accumulation rate Reserve accumulation rate = Surplus (deficit) / Net assets | 4% | 20% | -4% | -3% | -5% | -7% |
General and admin ratio General and admin ratio = Management and general expense / Total expenses | 13% | 26% | 24% | 25% | 21% | 20% |
| Investing ratios | Sector median | 2018 | 2017 | 2016 | 2015 | 2014 |
Total asset turnover Total asset turnover = Total expenses / Total assets | 1.15 | 0.11 | 0.09 | 0.08 | 0.09 | 0.10 |
Degree of long-term investment Degree of long-term investment = Total assets / Total current assets | 1.37 | 1.27 | 1.53 | 1.52 | 2.88 | 4.28 |
Current asset turnover Current asset turnover = Total expenses / Total current assets | 2.08 | 0.14 | 0.14 | 0.13 | 0.26 | 0.44 |
| Liquidity ratios | Sector median | 2018 | 2017 | 2016 | 2015 | 2014 |
Current ratio Current ratio = Total current assets / Total current liabilities | 11.47 | 45.65 | 105.87 | 76.81 | 30.11 | 27.33 |
Current liabilities ratio Current liabilities ratio = Total current liabilities / Total current assets | 0.09 | 0.02 | 0.01 | 0.01 | 0.03 | 0.04 |
Liquid reserve level Liquid reserve level = (Total current assets - Total current liabilities) / (Total expenses / 12) | 5.01 | 86.58 | 84.88 | 92.11 | 44.58 | 26.05 |
| Solvency ratios | Sector median | 2018 | 2017 | 2016 | 2015 | 2014 |
Liabilities ratio Liabilities ratio = Total liabilities / Total assets | 8% | 3% | 11% | 14% | 14% | 14% |
Debt ratio Debt ratio = Debt / Total assets | 0% | 0% | 8% | 11% | 10% | 10% |
Reserve coverage ratio Reserve coverage ratio = Net assets / Total expenses | 74% | 902% | 974% | 1016% | 954% | 827% |
Financials
| Balance sheet | |||||
| Assets | 2018 | 2017 | 2016 | 2015 | 2014 |
| Cash | $48,061 | $150,024 | $215,917 | $191,903 | $84,985 |
| Receivables, inventories, prepaids | $107,592 | $99,282 | $73,303 | $181,024 | $99,984 |
| Short-term investments | $11,363,347 | $7,884,790 | $8,254,099 | $4,369,129 | $3,175,965 |
| Other current assets | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $11,519,000 | $8,134,096 | $8,543,319 | $4,742,056 | $3,360,934 |
| Long-term investments | $239,112 | $317,818 | $407,816 | $4,714,310 | $6,664,758 |
| Fixed assets | $2,689,577 | $3,955,277 | $3,926,518 | $4,100,609 | $4,230,743 |
| Other long-term assets | $142,316 | $59,143 | $78,249 | $96,981 | $129,776 |
| Total long-term assets | $3,071,005 | $4,332,238 | $4,412,583 | $8,911,900 | $11,025,277 |
| Total assets | $14,590,005 | $12,466,334 | $12,955,902 | $13,653,956 | $14,386,211 |
| Liabilities | 2018 | 2017 | 2016 | 2015 | 2014 |
| Payables and accrued expenses | $193,726 | $29,294 | $78,364 | $130,631 | $122,959 |
| Other current liabilities | $58,617 | $47,537 | $32,859 | $26,869 | $0 |
| Total current liabilities | $252,343 | $76,831 | $111,223 | $157,500 | $122,959 |
| Debt | $4,043 | $1,008,581 | $1,370,900 | $1,405,417 | $1,396,519 |
| Due to (from) affiliates | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $251,512 | $287,814 | $308,253 | $314,418 | $527,180 |
| Total long-term liabilities | $255,555 | $1,296,395 | $1,679,153 | $1,719,835 | $1,923,699 |
| Total liabilities | $507,898 | $1,373,226 | $1,790,376 | $1,877,335 | $2,046,658 |
| Net assets | 2018 | 2017 | 2016 | 2015 | 2014 |
| Unrestricted | $13,287,466 | $10,254,225 | $10,326,166 | $10,969,930 | $11,581,634 |
| Temporarily restricted | $522,610 | $570,157 | $574,064 | $565,268 | $516,496 |
| Permanently restricted | $272,031 | $268,726 | $265,296 | $241,423 | $241,423 |
| Net assets | $14,082,107 | $11,093,108 | $11,165,526 | $11,776,621 | $12,339,553 |
| Revenues and expenses | |||||
| Revenue | 2018 | 2017 | 2016 | 2015 | 2014 |
| Total contributions | $303,563 | $329,079 | $511,175 | $498,044 | $360,350 |
| Program service revenue | $0 | $0 | $0 | $0 | $0 |
| Membership dues | $0 | $0 | $0 | $0 | $0 |
| Investment income | $3,776,610 | $102,168 | $128,876 | $64,728 | $67,794 |
| Other revenue | $334,275 | $266,811 | $149,350 | $109,332 | $185,273 |
| Total other revenue | $4,110,885 | $368,979 | $278,226 | $174,060 | $253,067 |
| Total revenue | $4,414,448 | $698,058 | $789,401 | $672,104 | $613,417 |
| Expenses | 2018 | 2017 | 2016 | 2015 | 2014 |
| Program services | $1,059,096 | $756,848 | $715,927 | $852,337 | $1,060,248 |
| Management and general | $398,570 | $273,667 | $273,528 | $264,544 | $300,648 |
| Fundraising | $103,890 | $108,554 | $109,127 | $117,294 | $130,770 |
| Total expenses | $1,561,556 | $1,139,069 | $1,098,582 | $1,234,175 | $1,491,666 |
| Change in net assets | 2018 | 2017 | 2016 | 2015 | 2014 |
| Surplus (deficit) | $2,852,892 | ($441,011) | ($309,181) | ($562,071) | ($878,249) |
| Other changes in net assets | $0 | $0 | $0 | $0 | $0 |
| Total change in net assets | $2,852,892 | ($441,011) | ($309,181) | ($562,071) | ($878,249) |
Compensation
Compensation data for this ministry has not been collected.
Response from ministry
No response has been provided by this ministry.
History
Narramore Christian Foundation was founded by Dr. Clyde Narramore and his wife Ruth in the early 1950s. Since that time, thousands of ministers, missionaries, missionary children, business and professional people, educators, lay leaders and individuals have received personal help and training at NCF seminars.
Program accomplishments
NCF's accomplishments and programs include some of the following:
Radio Ministry:
Psychology for Living is a daily 15-minute broadcast dealing with solutions to everyday problems and is heard regularly on stations throughout the U.S.A. as well as in several foreign countries.
Literature:
The magazine, Psychology for Living, and a compact publication, Special Insight, are published on alternate months. They focus on effective living. Approximately 100 booklets on a variety of psychological topics are published by NCF and mailed to people around the world.
Videos:
Videos on everyday problems bringing insight are available for use by individuals, families, churches, schools and other groups.
Correspondence:
Many people write the Foundation about their problems and concerns. Appropriate booklets and printed materials are sent free of charge, usually with a personal letter.
Crisis Counseling for Overseas Missionaries:
The Foundation often sends a Christian psychologist overseas to conduct seminars and provide intensive short-term counseling for missionaries who have recently undergone a severe crisis or trauma.
Seminars for Sons and Daughters of Missionaries:
For nearly 20 years NCF has provided a 12-day seminar for MKs coming to the U.S. for college. Personality and vocational tests, plus counseling are given. Orientation to the U.S. is stressed.
Training of Pastors and Missionaries:
NCF in partnership with the Rosemead School of Psychology, Biola University, offers in-depth training for ministers, missionaries and Christian leaders to better equip them to handle the many and varied problems that people face in today's world.
Email and Internet Ministries:
Realizing the potential of electronic communications NCF is now on line to be able to serve and minister to pastors, missionaries, Christian workers, and individuals at home and around the world.
Literature for Prisoners:
Numerous prisons are provided with free booklets and videos to serve the prison population.