· Public charity
All One Credit Union
ALL ONE CREDIT UNION is a community-based financial services provider.
What you funded, over time
Every grant placed by its stated purpose and the recipient’s mission, by year — across FY2017–2025.
Where the money goes
Your grants by size, and where they go.
The 4 grants below total $45,145 — the rows itemised in this filing. The $220,521 headline is the total grant expense reported on the return, so the remaining $175,376 is giving the schedule does not break out: grants under the $5,000 itemisation floor, grants to individuals, and grants reported on other schedules. Every figure below describes the itemised rows only.
By grant size · FY2025
- Under $10k2 grants · $15k
- $10k–50k2 grants · $30k
| Recipient | Amount |
|---|---|
| ST BERNARD'S CATHOLIC CENTRAL HIGH SCHOOL | $20,000 |
| GINNY'S HELPING HAND | $10,000 |
| CITY OF LEOMINSTER | $8,000 |
| DOYLE FIELD FOUNDATION | $7,145 |
Do your dollars go where the need is?
Each grant placed by the hardship in its grantee’s ZIP, then read against the area’s typical level.
Your human-services grants (FY17–25, $80k) land where the poverty rate runs at 10%, against an area that typically sits at 7%. 100% of those dollars go to grantees based in above-average-need neighborhoods. Most of your grants land in higher-need ZIPs.
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty linein the grantee’s ZIP, averaged from the tracts in that ZIP; grantee ZIP can differ from where services are delivered.
US grants placed by each grantee’s ZIP, which can differ from where services are actually delivered. Need from public data — U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA — shown as context about the area, never attributed to your giving.
Who you back again
Which organizations you funded more than once, and which you funded a single time. Each grantee is matched to its own filings.
And the relationships you keep tend to grow: grantees you re-up on have seen median revenue of +75% since the first grant, against +2% for the ones you funded once.
10 repeat relationships — 2 still active in FY2025, 8 since wound down; 2 grantees were first funded in FY2025 (too recent to call).
How the two cohorts compare
Organizations
Total granted
Median revenue growth · since first grant
Still filing today
New vs renewed · share of each year
In FY2025, 34% of grant dollars renewed an existing relationship; $30k went to new ones.
Where new relationships form · theme of each grantee’s first grant
First-time = a grantee’s first year in your filing window; renewed = funded in an earlier year too. As a portfolio matures the renewed share naturally climbs — once funded, an org stays “renewable” — so the signal is the years that buck it (a new-grantee intake wave). The earliest year is left-censored: relationships that predate the data read as “new.” Theme is the grantee’s IRS cause.
Backed again, and grew
- WSWORCESTER STATE FOUNDATION INC6× · 2017–2023 · $47k · revenue +283%
MASSACHUSETTS COALITION FOR THE HOMELESS INC2× · 2019–2021 · $33k · revenue +105%- YOYMCA of Central Massachusetts (2909)4× · 2017–2020 · $32k · revenue +75%
Funded once
- BGBOYS & GIRLS CLUB OF FITCHBURG AND LEOMINSTER - A NONPROFIT EDUCATIONALone grant, 2024 · $7k · revenue +2%
- HFHABITAT FOR HUMANITY METROWEST- GREATER WORCESTER INCone grant, 2024 · $7k · revenue -15%
- SBST BERNARDS HIGH SCHOOL INCone grant, 2022 · $6k
Repeat = funded in two or more distinct years; growth and survival are read from each grantee’s own subsequent IRS filings.
The map has a center of gravity: the average direction from the rest of the sector toward the organizations the foundation funds — the shape of its giving. Scoring every nonprofit along that direction surfaces the ones that look most like the portfolio. These are the closest matchesthat aren’t grantees — a resemblance in what they say they do, not a recommendation.
To participate in the promotion and development of affordable housing and economic development in the main south area of worcester, massachusetts.
The worcester business development corporation (wbdc) is a private, non- profit business organization with a public purpose mission to serve as an innovation and leading force in the economic development of the city of worcester and the…
The purposes of the corporation shall be to promote, stimulate, develop, and advance the business prosperity and economic welfare of the western massachusetts region and the citizens thereof, to encourage and assist, through loans,…
Worcester Community Housing Resources' mission is to help create and preserve affordable housing and to initiate and support neighborhood revitalization in the greater Worcester area. Since 1994 we have proven ourselves to be a successful…
To establish and maintain housing for low and moderate income families in the Worcester area. Worcester Common Ground also provides income eligible individuals the opportunity to be homeowners.
Support the advocacy of community hospitals.
Support the charitable purposes of the worcester regional chamber of commerce (the chamber) by: 1) developing and delivering relevant programs and services to the chamber, its affiliates, local business community and general public; and 2)…
To encourage, receive and administer gifts and bequests of property and funds for educational and charitable purposes for the advancement of berkshire community college.
Mfhc is committed to ending systemic housing discrimination and creating inclusive communities through education, outreach, advocacy, housing counseling and enforcement.
Scholarships are awarded to highlight the acedemic excellence of high school seniors in the community
To support economic growth through numerous business development and tourism initiatives.
To improve the business, social and civic environment of the greater boston area and to become the leading representative in the boston area in the consideration of local, state and national issues.
For reference, the grantee most central to the portfolio’s shape is North Central Mass Chamber of Commerce and the most unlike its peers is Ginny's Helping Hand Inc. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
Your grantees are a median of 39 years old; the field is 18. You back the established end — and your money leans older still.
The field is 20% startups (under 5 years old) — 0% of your grantees by number, and just 0% of your money.
The orgs you fund almost never close — 0.0% lost their exemption, against 12% of the field you don’t fund.
Age = years since IRS exemption (a founding proxy). “Closed” = auto-revocation for 3 years of non-filing — a floor on closure, not proof, and bigger established orgs lapse least. Association, not causation.
18 grantees tracked through their own filings, 2017–2025.
Each one resolved to its own IRS returns and tracked year by year — your grant beside their revenue from every source. Association, dated; never a causal claim.
Counted here: distinct organizations you funded across 2017–2025, not grant rows in a single year — so this will not match the grant count on the cover. 18 of the 24 grantees resolved in that span have returns of their own we could reconcile; the rest are funded organizations whose filings we could not track year by year.
Where your money sits — by cause, then by grantee
Each org by its size and your share of it — top-left is where you’re load-bearing
Go grantee by grantee — a decade per org, and how each moved after you funded them
A decade per grantee — revenue shaded, your grants as bars, all rows on one timeline.
- Who funds WORCESTER STATE FOUNDATION INC ↗
- Who funds MASSACHUSETTS COALITION FOR THE HOMELESS INC ↗
- Who funds UNITED WAY OF NORTH CENTRAL MASS INC ↗
- Who funds YMCA of Central Massachusetts (2909) ↗
- Who funds WORCESTER REGIONAL CHAMBER OF COMMERCE ↗
- Who funds NORTH CENTRAL MASS CHAMBER OF COMMERCE ↗
- Who funds THE DOYLE FIELD FOUNDATION INC ↗
- Who funds FITCHBURG STATE UNIVERSITY FOUNDATION INC ↗
- Who funds Greater Lowell Community Foundation Inc ↗
- Who funds GINNY'S HELPING HAND INC ↗
- Who funds BOYS & GIRLS CLUB OF FITCHBURG AND LEOMINSTER - A NONPROFIT EDUCATIONAL ↗
- Who funds HABITAT FOR HUMANITY METROWEST- GREATER WORCESTER INC ↗
- Who funds NORTH STAR FAMILY SERVICES INC ↗
- Who funds COOPERATIVE CREDIT UNION ASSOCIATION INC ↗
- Who funds HEART OF NEW ENGLAND COUNCIL BSA INC ↗
- Who funds NORTH CENTRAL MASSACHUSETTS DEVELOPMENT CORPORATION ↗
- Who funds Mount Wachusett Community College Foundation Inc ↗
- Who funds HABITAT FOR HUMANITY NORTH CENTRAL MASSACHUSETTS INC ↗
The grantmakers whose grantees overlap with yours far more than size alone predicts. Each orbits closer the stronger the alignment; the arcs between them show where they also fund each other. Here it reads as a tightly interlocked camp — most of these funders back each other's grantees too.
Open a dossier: Rollstone Charitable Foundation Inc · Community Foundation of North Central Ma · United Way of North Central Mass Inc · Hometown Bank Community Foundation Inc · Greater Worcester Community Foundation Inc · Douglas & Isabelle Crocker Foundation · George R Wallace Foundation · Main Street Group Foundation Inc · The Nypro Foundation Inc co Nypro Inc · The Health Foundation of Central Massach · AbbVie Foundation · Fidelity Foundation
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. A research starting point: overlap is association, not proof of shared intent.
Government reliance of your grantees
Every dot is one organization All One Credit Union funds. Left–right is the share of its income from government; up–down is the share from you. Bigger dots raise more. Filter to federal, a single department, or state — and drag the year to watch it move.
- Greater Lowell Community Foundation Inc — 18% of income from government
- North Star Family Services Inc — 12% of income from government
- North Central Massachusetts Development Corporation — 10% of income from government
- Worcester State Foundation Inc — 3% of income from government
- Habitat for Humanity Metrowest- Greater Worcester Inc — 1% of income from government
Government income is each org’s traced federal awards (USASpending — grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that your grant caused the public funding. Coverage is precision-first — a floor, not a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12–24 months.