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California Association of Food Banks at a glanceAlso receives grants: funding profile →

· Public charity

California Association of Food Banks

CALIFORNIA ASSOCIATION OF FOOD BANKS (cafb) is a non-profit public benefit corporation located in oakland, california.

$23M
Granted FY2024still arriving
76
Grants FY2024still arriving
1
States reached
$935k
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 2024.

Food & Nutrition$33MHuman Services$68kHealth$39kPublic Safety & Disaster$29kHousing & Shelter$27kCrime & Legal$20kEducation$5k
02FY2024 · 76 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 76 grants below total $5,712,735, the rows itemized in this filing. The $22,662,293 headline is the total grant expense on the return; the other $16,949,558 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 · FY2024

  • Under $10k20 grants · $79k
  • $10k–50k28 grants · $670k
  • $50k–250k21 grants · $2.0M
  • $250k+7 grants · $3.0M
$27,764
Median grant
1
States reached
$31M
Total assets
Largest grants
RecipientAmount
SAN DIEGO HUNGER COALITION$935,410
COMMUNITY ALLIANCE WITH FAMILY FARMERS$448,117
FRESH APPROACH$445,614
LOS ANGELES REGIONAL FOOD BANK$331,305
MATERNAL & CHILD HEALTH ACCESS$309,207
PROVIDENCE LITTLE COMPANY OF MARY FOUNDATION$283,512
SECOND HARVEST OF SILICON VALLEY$252,708
NATIONAL HEALTH FOUNDATION$230,418
CHINATOWN SERVICE CENTER$150,000
FOOD BANK OF CONTRA COSTA & SOLANO$134,996
THE CHILDREN'S CLINIC$128,068
ST MARGARET'S CENTER$125,000
SF-MARIN FOOD BANK$108,806
COMMUNITY SERVICES UNLIMITED INC$101,137
HELP ME HELP YOU$93,801
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 (FY17–24, $3.1M) land where the poverty rate runs at 14%, against an area that typically sits at 10%. 90% of those dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 10%COMMUNITY ACTION OF NAPA VALLEY: $52k → 9%INTERFAITH COUNCIL OF AMADOR: $53k → 10%INYO-MONO ADVOCATES FOR COMMUNITY ACTION: $6k → 10%THE RESOURCE CONNECTION: $51k → 12%COMMUNITY ACTION PARTNERSHIP OF SAN BERNARDINO: $217k → 14%DIGNITY HEALTH CONNECTED LIVING: $51k → 14%COMMUNITY ACTION PARTNERSHIP OF KERN: $371k → 18%KINGS COMMUNITY ACTION ORGANIZATION: $40k → 18%SILICON VALLEY INDEPENDENT LIVING CENTER: $58k → 8%COMMUNITY ACTION OF NAPA VALLEY: $23k → 9%INYO-MONO ADVOCATES FOR COMMUNITY ACTION: $3k → 10%THE RESOURCE CONNECION OF AMADOR AND CALAVERAS COUNTIES INC: $23k → 12%COMMUNITY ACTION PARTNERSHIP OF SAN BERNARDINO: $92k → 14%DIGNITY HEALTH CONNECTED LIVING: $22k → 14%COMMUNITY ACTION PARTNERSHIP OF KERN: $160k → 18%KINGS COMMUNITY ACTION ORGANIZATION: $18k → 18%SILICON VALLEY INDEPENDENT LIVING CENTER: $25k → 8%COMMUNITY ACTION OF NAPA VALLEY: $23k → 9%INTERFAITH COUNCIL OF AMADOR: $25k → 10%THE RESOURCE CONNECTION: $22k → 12%DIGNITY HEALTH CONNECTED LIVING: $3k → 14%COMMUNITY ACTION PARTNERSHIP OF KERN: $8k → 18%KINGS COMMUNITY ACTION ORGANIZATION: $6k → 18%SILICON VALLEY INDEPENDENT LIVING CENTER: $24k → 8%INTERFAITH COUNCIL OF AMADOR: $23k → 10%THE RESOURCE CONNECTION: $11k → 12%DIGNITY HEALTH CONNECTED LIVING: $2k → 14%CAP OF SAN BERNARDINO: $15k → 14%INTERFAITH COUNCIL OF AMADOR: $11k → 10%COMMUNITY ACTION PARTNERSHIP OF SAN BERNARDINO: $2k → 14%FRESNO METRO MINISTRY: $43k → 19%FRESNO METRO MINISTRY: $40k → 19%FRESNO METRO MINISTRY: $29k → 19%FRESNO METRO MINISTRY: $18k → 19%FRESNO METRO MINISTRY: $16k → 19%ST MARGARET'S CENTER: $125k → 14%ST MARGARET'S CENTER: $50k → 14%ST MARGARET'S CENTER: $50k → 14%MATERNAL AND CHILD HEALTH ACCESS: $418k → 14%MATERNAL AND CHILD HEALTH ACCESS: $341k → 14%MATERNAL & CHILD HEALTH ACCESS: $309k → 14%MATERNAL AND CHILD HEALTH ACCESS: $90k → 14%MATERNAL AND CHILD HEALTH ACCESS: $53k → 14%MATERNAL AND CHILD HEALTH ACCESS: $14k → 14%CALIF-ILC: $26k → 14%MATERNAL AND CHILD HEALTH ACCESS: $13k → 14%CALIF-LLC: $10k → 14%MATERNAL & CHILD HEALTH ACCESS: $13k → 14%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.

99%of every dollar goes to organizations it has funded before.
$33M · 77 repeat orgs$295k to everyone else

77 repeat relationships: 61 still active in FY2024, 16 since wound down; 13 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

77
6

Total granted

$33M
$76k

Median revenue growth · since first grant

+58%
+70%

Still filing today

94%
67%

New vs renewed · share of each year

In FY2024, 96% of grant dollars renewed an existing relationship; $219k went to new ones.

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

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

’17’18’19’20’21’22’23’24
Food & NutritionHuman ServicesEducationHealthCommunity ImprovementPhilanthropyOther
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

  • SD
    SAN DIEGO HUNGER COALITION
    8× · 2017–2024 · $5.2M · revenue +57% · 58% of their budget
  • SH
    SECOND HARVEST OF SILICON VALLEY
    6× · 2019–2024 · $1.5M · revenue +128%
  • MA
    Maternal and Child Health Access
    8× · 2017–2024 · $1.2M · revenue +10%

Funded once

  • HI
    HARBOR INTERFAITH SERVICES INCgraduated
    one grant, 2020 · $36k · revenue +72%
  • TJ
    THE JUSTICE AND DIVERSITY CENTER OF THE BAR ASSOCIATION OF SAN FRANCISCOgraduated
    one grant, 2020 · $13k · revenue +47%
  • FO
    FOODBANK OF SANTA BARBARA COUNTY
    one grant, 2017 · $13k
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
Feeding America Riverside San Bernardino Counties

Our mission is to alleviate hunger in the inland empire of southern california.

Food & Nutrition
2
San Francisco Food Bank

To end hunger in san francisco and marin counties by soliciting food donations nationally, distributing this food to qualifying public service agencies and neighborhood pantries, advocating for improved government food programs, and…

—
3
Food Forward Inc

Food forward fights hunger and prevents food waste by rescuing fresh surplus produce, connecting this abundance with people experiencing food insecurity, and inspiring others to do the same.

Food & Nutrition
4
Alameda Emergency Food Dba Alameda Food Bank

Founded in 1977, The Alameda Food Bank is a non-profit organization that helps Alameda residents in need by providing nourishing food in compassionate and respectful manner with the support of dedicated volunteers and local partners.

Food & Nutrition
5
Siskiyou Community Food Bank

We provided free healthy food to low-income families and individuals in need.

Food & Nutrition
6
Food Bank of Northern Nevada Inc

The Food Bank of Northern Nevada, Inc.s (Food Banks) mission is Feeding the hungry today and solving hunger for tomorrow through community partnership. The Food Banks vision is Healthy Food. Every Person, Every Day.

Food & Nutrition
7
Foothills Food Bank

The Foothills Food Bank works to ensure access to quality, nutritious food to community members in need, and deliver services with respect and dignity.

—
8
Community Food Bank Inc

To ensure our communities are healthy and hunger-free today, tomorrow, and always.

Food & Nutrition
9
Daily Bowl

The mission of Daily Bowl is to glean, produce and distribute food and providing jobs to the community.

Food & Nutrition
10
Extrafood

Food Rescue - The Organization rescues excess fresh food from Bay Area businesses, schools and non-profits and immediately delivers the food to safety net partners - such as senior housing centers, after-school programs, and homeless…

Food & Nutrition
11
Berkeley Food Network

The berkeley food network (bfn) works to expand food assistance services to food-insecure berkeley residents. bfn was founded in 2016 to help establish a foundation of good health from which all berkeley residents can pursue opportunity by…

Food & Nutrition
12
Crescent Food Bank

Crescent food bank cfb is a non-profit organization that is committed to ending hunger throughout southern california. our goal is to provide access to healthy food in every community by alleviating proverty through direct health and human…

Food & Nutrition
How this is measured
The grantee most central to the portfolio’s shape is Jacobs & Cushman San Diego Food Bank; the most unlike its peers is Great Northern Services. 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

92 grantees tracked through their own filings, 2017–2025.

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 2025, not grant rows in a single year, so this will not match the grant count on the cover. 92 of the 97 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)
23
Early backer (in before they grew)
90/92
Grantees still filing
79/92
Grew since first funded

Where the money sits, by cause and then by grantee

SAN DIEGO HUNGER COALITION: $5,237,400 · Food & NutritionSAN DIEGO HUNGER COALITIONSECOND HARVEST OF SILICON VALLEY: $1,474,567 · Food & NutritionSECOND HARVEST OF SILICON VALLEYFOOD BANK OF CONTRA COSTA AND SOLANO: $1,043,239 · Food & NutritionFOOD BANK OF CONTRA COSTA AND SOLANOCENTRAL CALIFORNIA FOOD BANK: $1,014,055 · Food & NutritionCENTRAL CALIFORNIA FOOD BANKFOOD IN NEED OF DISTRIBUTION INC: $897,750 · Food & NutritionFOOD IN NEED OF DISTRIBUTION INCFOODBANK OF SOUTHERN CALIFORNIA: $623,503 · Food & NutritionSECOND HARVEST FOOD BANK SANTA CRUZ COUNTY: $566,132 · Food & Nutrition+24 more: $5,169,173 · Food & Nutrition+24 moreLOS ANGELES REGIONAL FOOD BANK: $1,983,393 · OtherLOS ANGELES REGIONAL FOOD BANKIMPERIAL VALLEY FOOD BANK: $757,573 · OtherIMPERIAL VALLEY FOOD BANKSF-MARIN FOOD BANK: $724,816 · OtherSF-MARIN FOOD BANKSACRAMENTO FOOD BANK & FAMILY SERVICES: $707,907 · OtherSACRAMENTO FOOD BANK & FAMILY SE…ALAMEDA COUNTY COMMUNITY FOOD BANK: $551,267 · OtherALAMEDA COUNTY COMMUNITY FOOD BA…CHINATOWN SERVICE CENTER: $525,000 · OtherCHINATOWN SERVICE CENTERCOMMUNITY ALLIANCE WITH FAMILY FARMERS: $498,489 · OtherTHE CHILDREN'S CLINIC 'SERVING CHILDREN AND THEIR FAMILIES': $467,656 · OtherHelp Me Help You: $403,776 · OtherCOMMUNITY ACTION PARTNERSHIP OF ORANGE COUNTY: $390,078 · OtherFOOD BANK FOR MONTEREY COUNTY: $344,897 · OtherMexican American Opportunity Foundation: $378,545 · Other+27 more: $1,844,582 · Other+27 moreMaternal and Child Health Access: $1,249,747 · Human ServicesMaternal a…COMMUNITY ACTION PARTNERSHIP OF KERN: $539,683 · Human ServicesCOMMUNITY …COMMUNITY ACTION PARTNERSHIP OF SAN BERNARDINO COUNTY: $326,213 · Human ServicesCOMMUNITY …CATHOLIC CHARITIES OF LOS ANGELES INC: $225,000 · Human ServicesCATHOLIC C…Fresno Metropolitan Ministry: $146,018 · Human ServicesINTERFAITH COUNCIL OF AMADOR: $113,502 · Human ServicesSilicon Valley Independent Living Center: $107,263 · Human ServicesTHE RESOURCE CONNECTION OF AMADOR AND CALAVERAS COUNTIES INC: $106,960 · Human Services+5 more: $284,997 · Human Services+5 morePROVIDENCE LITTLE COMPANY OF MARY FOUNDATION: $1,484,353 · PhilanthropySECOND HARVEST OF THE GREATER VALLEY: $363,218 · PhilanthropyNATIONAL HEALTH FOUNDATION: $840,473 · HealthEast Bay Agency for Children: $588,454 · HealthJWCH INSTITUTE INC: $225,000 · Health+1 more: $720 · HealthHUNGER ACTION LOS ANGELES INC: $443,025 · EducationCOMMUNITY FOOD BANK OF SAN BENITO COUNTY: $116,052 · EducationMT SAN ANTONIO COLLEGE FOUNDATION: $50,000 · EducationRio Hondo College Foundation: $49,927 · Education+1 more: $5,000 · EducationRIVER CITY FOOD BANK: $374,066 · Community ImprovementFREMONT FAMILY RESOURCE CENTER CORPORATION: $102,065 · Community Improvement+1 more: $11,102 · Community Improvement
Food & Nutrition$16,025,819Other$9,577,979Human Services$3,099,383Philanthropy$1,847,571Health$1,654,647Education$664,004Community Improvement$487,233

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

25%50%75%100%$1.0M$10M$100Mgrantee revenue →↑ funder's share of their budgetSAN DIEGO HUNGER COALITION: $5,237,400 over 8y, 58% of budgetLOS ANGELES REGIONAL FOOD BANK: $1,983,393 over 5y, 0.2% of budgetPROVIDENCE LITTLE COMPANY OF MARY FOUNDATION: $1,484,353 over 5y, 2.2% of budgetSECOND HARVEST OF SILICON VALLEY: $1,474,567 over 6y, 0.2% of budgetMaternal and Child Health Access: $1,249,747 over 8y, 7.3% of budgetFOOD BANK OF CONTRA COSTA AND SOLANO: $1,043,239 over 6y, 0.3% of budgetCENTRAL CALIFORNIA FOOD BANK: $1,014,055 over 7y, 0.6% of budgetFOOD IN NEED OF DISTRIBUTION INC: $897,750 over 5y, 1.1% of budgetNATIONAL HEALTH FOUNDATION: $840,473 over 5y, 1.8% of budgetIMPERIAL VALLEY FOOD BANK: $757,573 over 8y, 2.0% of budgetSACRAMENTO FOOD BANK & FAMILY SERVICES: $707,907 over 7y, 0.4% of budgetFOODBANK OF SOUTHERN CALIFORNIA: $623,503 over 3y, 0.5% of budgetEast Bay Agency for Children: $588,454 over 5y, 1.0% of budgetSECOND HARVEST FOOD BANK SANTA CRUZ COUNTY: $566,132 over 5y, 0.9% of budgetALAMEDA COUNTY COMMUNITY FOOD BANK: $551,267 over 5y, 0.2% of budgetCOMMUNITY ACTION PARTNERSHIP OF KERN: $539,683 over 5y, 0.4% of budgetCommunity Bridges: $533,523 over 5y, 1.1% of budgetCHINATOWN SERVICE CENTER: $525,000 over 3y, 0.8% of budgetCOMMUNITY ALLIANCE WITH FAMILY FARMERS: $498,489 over 2y, 3.6% of budgetFRESH APPROACH: $495,986 over 2y, 13% of budgetSECOND HARVEST FOOD BANK OF ORANGE COUNTY INC: $476,959 over 8y, 0.2% of budgetTHE CHILDREN'S CLINIC 'SERVING CHILDREN AND THEIR FAMILIES': $467,656 over 5y, 0.4% of budgetJACOBS & CUSHMAN SAN DIEGO FOOD BANK: $447,288 over 5y, 0.3% of budgetHUNGER ACTION LOS ANGELES INC: $443,025 over 3y, 15% of budgetFEEDING SAN DIEGO: $432,476 over 5y, 0.3% of budgetFoodbank of Santa Barbara County Inc: $428,314 over 6y, 0.8% of budgetHelp Me Help You: $403,776 over 5y, 13% of budgetCOMMUNITY ACTION PARTNERSHIP OF ORANGE COUNTY: $390,078 over 5y, 0.4% of budgetMexican American Opportunity Foundation: $378,545 over 5y, 0.1% of budgetRIVER CITY FOOD BANK: $374,066 over 5y, 2.2% of budgetREDWOOD EMPIRE FOOD BANK: $370,839 over 5y, 0.3% of budgetSECOND HARVEST OF THE GREATER VALLEY: $363,218 over 5y, 0.6% of budgetTHE MERCED COUNTY FOOD BANK: $359,707 over 4y, 2.2% of budgetFoodlink for Tulare County Inc: $357,118 over 5y, 3.4% of budgetFOOD BANK FOR MONTEREY COUNTY: $344,897 over 4y, 1.0% of budgetFOOD SHARE INC: $338,463 over 6y, 0.7% of budgetCOMMUNITY ACTION PARTNERSHIP OF SAN BERNARDINO COUNTY: $326,213 over 4y, 0.6% of budgetCOMMUNITY SERVICES UNLIMITED INC: $310,482 over 5y, 8.5% of budgetFEEDING THE FOOTHILLS: $309,543 over 5y, 0.6% of budgetJWCH INSTITUTE INC: $225,000 over 2y, 0.1% of budgetST LOUISE RESOURCE SERVICES: $225,000 over 2y, 10% of budgetCATHOLIC CHARITIES OF LOS ANGELES INC: $225,000 over 3y, 0.2% of budgetThe College of the Canyons Foundation: $181,250 over 3y, 5.3% of budgetYOLO COUNTY CHILDRENS ALLIANCE: $168,030 over 5y, 1.0% of budgetCommunity Action Agency of Butte County Inc: $162,387 over 7y, 1.3% of budgetFresno Metropolitan Ministry: $146,018 over 5y, 1.9% of budgetFOOD FOR PEOPLE INC: $126,790 over 6y, 0.7% of budgetCOMMUNITY FOOD BANK OF SAN BENITO COUNTY: $116,052 over 6y, 1.6% 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.

Calfoods LogisticsCalifornia Foundation…The PG&E Corporation …Kaiser Foundation Hos…The Albertsons Compan…The California Endowm…Sunlight GivingSierra Health Foundat…Farmlink ProjectSandberg Goldberg Ber…California Physicians…California Community …
Calfoods LogisticsCA89.3× affinity40 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →

Open a dossier: Calfoods Logistics · California Foundation for Stronger Communities · The PG&E Corporation Foundation · Kaiser Foundation Hospitals · The Albertsons Companies Foundation · The California Endowment · Sunlight Giving · Sierra Health Foundation Center for Health Program Management · Farmlink Project · Sandberg Goldberg Bernthal Family Charitable Foundation · California Physicians' Service Fdn Dba Blue Shield of California Fdn · California Community 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 California Association of Food Banks funds: left to right is the share of its income from government, bottom to top the share from California Association of Food Banks. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%6%25%56%100%funder's share of their income ↑0%23%45%68%90%share of the org’s income from government →
    no gov moneyreceives it· size = income
    0get no government money at all
    52report government grants on their 990 we could not trace to a source (not plotted)
    0rely on government for over half their income
    ⤢ axis zoomed · 0–90%
    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 97 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 2024, released 2024. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

    Source object · view filing

    Play a game based on California Association of Food Banks’ filings →

    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