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All One Credit Union at a glance

· Public charity

All One Credit Union

ALL ONE CREDIT UNION is a community-based financial services provider.

$221k
Granted FY2025still arriving
4
Grants FY2025still arriving
1
States reached
$20k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2017 to 2025.

Education$107kCommunity Improvement$90kHuman Services$53kHousing & Shelter$50kHealth$42kPhilanthropy$42kRecreation & Sports$17kArts & Culture$16kOther$0
02FY2025 · 4 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 4 grants below total $45,145, the rows itemized in this filing. The $220,521 headline is the total grant expense on the return; the other $175,376 is giving the schedule does not break out (grants under the $5,000 itemization floor, grants to individuals, grants on other schedules). Every figure below describes the itemized rows only.

By grant size · FY2025

  • Under $10k2 grants · $15k
  • $10k–50k2 grants · $30k
$10,000
Median grant
1
States reached
$877M
Total assets
Largest grants
RecipientAmount
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
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Its 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 its grants land in higher-need ZIPs.

area typical 7%MASSACHUSETTS COALITION FOR THE HOMELESS INC: $23k → 10%MASSACHUSETTS COALITION FOR THE HOMELESS INC: $10k → 10%YMCA OF CENTRAL MA: $15k → 11%GINNY'S HELPING HAND: $10k → 11%NORTH STAR FAMILY SERVICES: $6k → 11%YMCA OF CENTRAL MA: $6k → 11%YMCA OF CENTRAL MA: $6k → 11%YMCA OF CENTRAL MA: $6k → 11%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP.
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

79%of every dollar goes to organizations it has funded before.
$317k · 10 repeat orgs$86k to everyone else

Grantees it renews have grown median revenue +75% since the first grant, against +2% for those 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

Re-uppedFunded once

Organizations

10
10

Total granted

$317k
$56k

Median revenue growth · since first grant

+75%
+2%

Still filing today

70%
80%

New vs renewed · share of each year

In FY2025, 34% of grant dollars renewed an existing relationship; $30k went to new ones.

50%100%’17’18’19’20’21’22’23’24’25
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’17’18’19’20’21’22’23’24’25
Human ServicesEducationYouth DevelopmentPhilanthropyHousing & ShelterOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). 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

  • WS
    WORCESTER STATE FOUNDATION INC
    6× · 2017–2023 · $47k · revenue +283%
  • MASSACHUSETTS COALITION FOR THE HOMELESS INC
    2× · 2019–2021 · $33k · revenue +105%
  • YO
    YMCA of Central Massachusetts (2909)
    4× · 2017–2020 · $32k · revenue +75%

Funded once

  • BG
    BOYS & GIRLS CLUB OF FITCHBURG AND LEOMINSTER - A NONPROFIT EDUCATIONAL
    one grant, 2024 · $7k · revenue +2%
  • HF
    HABITAT FOR HUMANITY METROWEST- GREATER WORCESTER INC
    one grant, 2024 · $7k · revenue -15%
  • SB
    ST BERNARDS HIGH SCHOOL INC
    one grant, 2022 · $6k
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field

Closest unfunded matches

The nonprofits that most resemble its grantees but are not funded by it, scored along the direction from the rest of the field toward the portfolio. A resemblance in what they say they do, not a recommendation.

1
Main South Community Development Corp

To participate in the promotion and development of affordable housing and economic development in the main south area of worcester, massachusetts.

Community Improvement
2
Worcester Business Development Corp

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…

—
3
Westmass Area Development Corporation

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,…

—
4
Worcester Comm Housing Resource Inc

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…

—
5
Worcester Common Ground Inc

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.

Housing & Shelter
6
Massachusetts Council of Community Hospitals Inc

Support the advocacy of community hospitals.

Health
7
Worcester Regional Strategic Opportunities Foundation

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)…

Arts & Culture
8
Berkshire Community College Foundation Inc

To encourage, receive and administer gifts and bequests of property and funds for educational and charitable purposes for the advancement of berkshire community college.

Philanthropy
9
Massachusetts Fair Housing Center Inc

Mfhc is committed to ending systemic housing discrimination and creating inclusive communities through education, outreach, advocacy, housing counseling and enforcement.

Housing & Shelter
10
North Central Massachusetts Chamber Foundation

Scholarships are awarded to highlight the acedemic excellence of high school seniors in the community

—
11
The Quincy Chamber of Commerce Inc

To support economic growth through numerous business development and tourism initiatives.

Community Improvement
12
Greater Boston Chamber of Commerce

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.

—
How this is measured
The grantee most central to the portfolio’s shape is North Central Mass Chamber of Commerce; 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.
04the grantee network

18 grantees tracked through their own filings, 2017–2026.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2026, 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.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

1
Load-bearing (≥25% of a budget)
7
Early backer (in before they grew)
18/18
Grantees still filing
15/18
Grew since first funded

Where the money sits, by cause and then by grantee

CITY OF LEOMINSTER: $71,600 · OtherCITY OF LEOMINSTERUMASS MEMORIAL HEALTH CARE INC: $42,280 · OtherUMASS MEMORIAL HEALTH CARE INCWORCESTER REGIONAL CHAMBER OF COMMERCE: $21,800 · OtherWORCESTER REGIONAL CHAMBER OF COMMERCECLINTON PUBLIC SCHOOLS: $21,000 · OtherCLINTON PUBLIC SCHOOLSST BERNARD HIGH SCHOOL: $20,000 · OtherST BERNARD HIGH SCHOOLNORTH CENTRAL MASS CHAMBER OF COMMERCE: $17,650 · OtherNORTH CENTRAL MASS CHAMBER OF COMMERCE+5 more: $26,902 · Other+5 moreMASSACHUSETTS COALITION FOR THE HOMELESS INC: $32,500 · Human ServicesMASSACHUSETTS COALIT…YMCA of Central Massachusetts (2909): $31,500 · Human ServicesYMCA of Central Mass…GINNY'S HELPING HAND INC: $10,000 · Human ServicesGINNY'S HELPING HAND…NORTH STAR FAMILY SERVICES INC: $5,500 · Human ServicesNORTH STAR FAMILY SE…WORCESTER STATE FOUNDATION INC: $46,500 · EducationWORCESTER STATE F…FITCHBURG STATE UNIVERSITY FOUNDATION INC: $15,500 · EducationFITCHBURG STATE U…Mount Wachusett Community College Foundation Inc: $5,000 · EducationMount Wachusett C…UNITED WAY OF NORTH CENTRAL MASS INC: $32,244 · PhilanthropyUNITED WAY OF N…THE DOYLE FIELD FOUNDATION INC: $17,145 · PhilanthropyTHE DOYLE FIELD…Greater Lowell Community Foundation Inc: $10,000 · PhilanthropyGreater Lowell …BOYS & GIRLS CLUB OF FITCHBURG AND LEOMINSTER - A NONPROFIT EDUCATIONAL: $6,500 · Youth DevelopmentHEART OF NEW ENGLAND COUNCIL BSA INC: $5,400 · Youth DevelopmentHABITAT FOR HUMANITY METROWEST- GREATER WORCESTER INC: $6,500 · Housing & Shelter
Other$221,232Human Services$79,500Education$67,000Philanthropy$59,389Youth Development$11,900Housing & Shelter$6,500

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$100k$1.0M$10Mgrantee revenue →↑ funder's share of their budgetWORCESTER STATE FOUNDATION INC: $46,500 over 6y, 0.3% of budgetMASSACHUSETTS COALITION FOR THE HOMELESS INC: $32,500 over 2y, 1.4% of budgetUNITED WAY OF NORTH CENTRAL MASS INC: $32,244 over 4y, 0.3% of budgetYMCA of Central Massachusetts (2909): $31,500 over 4y, 0.1% of budgetWORCESTER REGIONAL CHAMBER OF COMMERCE: $21,800 over 3y, 0.3% of budgetNORTH CENTRAL MASS CHAMBER OF COMMERCE: $17,650 over 3y, 0.6% of budgetTHE DOYLE FIELD FOUNDATION INC: $17,145 over 3y, 42% of budgetFITCHBURG STATE UNIVERSITY FOUNDATION INC: $15,500 over 2y, 0.3% of budgetGreater Lowell Community Foundation Inc: $10,000 over 1y, 0.1% of budgetGINNY'S HELPING HAND INC: $10,000 over 1y, 1.7% of budgetBOYS & GIRLS CLUB OF FITCHBURG AND LEOMINSTER - A NONPROFIT EDUCATIONAL: $6,500 over 1y, 0.2% of budgetHABITAT FOR HUMANITY METROWEST- GREATER WORCESTER INC: $6,500 over 1y, 0.1% of budgetNORTH STAR FAMILY SERVICES INC: $5,500 over 1y, 0.3% of budgetCOOPERATIVE CREDIT UNION ASSOCIATION INC: $5,400 over 1y, 0.1% of budgetHEART OF NEW ENGLAND COUNCIL BSA INC: $5,400 over 1y, 0.2% of budgetNORTH CENTRAL MASSACHUSETTS DEVELOPMENT CORPORATION: $5,000 over 1y, 0.8% of budgetMount Wachusett Community College Foundation Inc: $5,000 over 1y, 0.7% of budgetHABITAT FOR HUMANITY NORTH CENTRAL MASSACHUSETTS INC: $5,000 over 1y, 0.6% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

Rollstone Charitable …Community Foundation …United Way of North C…Hometown Bank Communi…Greater Worcester Com…Douglas & Isabelle Cr…George R Wallace Foun…Main Street Group Fou…The Nypro Foundation …The Health Foundation…AbbVie FoundationFidelity Foundation
Rollstone Charitable Foundation IncMA26.3× affinity10 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →

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

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization All One Credit Union funds: left to right is the share of its income from government, bottom to top the share from All One Credit Union. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 60%1%4%8%15%funder's share of their income ↑0%25%50%75%100%share of the org’s income from government →median 10%
  • 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
no gov moneyreceives it· size = income
6get no government money at all
7report government grants on their 990 we could not trace to a source (not plotted)
0rely on government for over half their income
typical government reliance, FY20–25
How this is measured
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 a grant caused the public funding. Coverage is precision-first, a floor rather than 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 to 24 months.

On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 24 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

How this is measured
Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

Generated from the IRS Form 990 e-file return for fiscal year 2025, released 2025. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

Source object · view filing

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More from the funding graph

The unnamed billions
grants reported with no recipient in the public record
The regranting layer
51% of grant dollars land in the regranting layer
The DAF merry-go-round
$9.7B circulates between donor-advised funds
The endowment market
who holds foundation money, and what just moved
The camps
funders cluster by geography, not ideology
By state
where grant money is based, and what stays home