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Cba Fund at a glanceAlso receives grants: funding profile →

· Public charity

Cba Fund

CBA FUND is a nonprofit corporation established under the laws of the district of columbia, formed and operated for the purpose of expanding the capicity of nonprofits that provide safe and affordable small dollar consumer loans and credit building products to low and moderate income individuals.

$223k
Granted FY2024still arriving
20
Grants FY2024still arriving
17
States reached
$16k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
05Through PlinthRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2020 to 2024.

Community Improvement$551kHuman Services$519kHousing & Shelter$343kEducation$75kCrime & Legal$56kYouth Development$50kArts & Culture$15kEnvironment$6k
02FY2024 · 20 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 20 grants below total $198,000, the rows itemized in this filing. The $222,500 headline is the total grant expense on the return; the other $24,500 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 $10k12 grants · $86k
  • $10k–50k8 grants · $112k
$8,000
Median grant
17
States reached
$5.3M
Total assets
Largest grants
RecipientAmount
COMMUNITY FIRST FUND$16,125
NORTHWEST ACCESS FUND$15,000
BETTERFI$15,000
COOK INLET LENDING CENTER INC$15,000
REDBUD FINANCIAL ALTERNATIVES$15,000
WISCONSIN NATIVE LOAN FUND$15,000
SOLITAS HOUSE$10,875
ONE PERCENT FOR AMERICA$10,000
THE FOUNTAIN FUND$8,000
KC UNIDOS FEDERAL CREDIT UNION$8,000
PEOPLE TRUST$8,000
NATIONAL ASIAN AMERICAN COALITION$8,000
CENTER FOR ECONOMIC OPPORTUNITY$8,000
FIRST COMMUNITY CAPITAL INC$8,000
CAPITAL GOOD FUND$8,000
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 (FY20–24, $537k) land where the poverty rate runs at 13%, against an area that typically sits at 11%. 71% of those dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 11%ONE PERCENT FOR AMERICA: $10k → 16%NATIONAL ASIAN AMERICAN COALITION: $8k → 7%HOMESTEAD COMMUNITY DEVELOPMENT: $12k → 9%CENTER FOR ECONOMIC OPPORTUNITY: $70k → 17%LAKE SUPERIOR COMMUNITY DEVT CORP: $6k → 14%CAP SERVICES INC: $12k → 10%BETTERFI: $15k → 21%NORTHWEST ACCESS FUND: $50k → 9%WORKING CREDIT NFP: $250k → 14%HOUSING OPTIONS & PLANNING ENT: $6k → 11%HEBREW FREE LOAN SOCIETY: $20k → 17%LAKE SUPERIOR COMMUNITY DEVT CORP: $6k → 14%CAP SERVICES INC: $8k → 10%NORTHWEST ACCESS FUND: $15k → 9%COMMUNITY CREDIT LAB: $50k → 9%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.

Which US states its grants reach

AK
WA
ID
MT
MN
IL
WI
MI
NY
MA
IN
PA
NJ
RI
CA
CO
MO
KY
VA
MD
AZ
AR
TN
NC
DC
HI
TX
FL
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.

49%of every dollar goes to organizations it has funded before.
$791k · 17 repeat orgs$824k to everyone else

Grantees it renews have grown median revenue +62% since the first grant, against +34% for those funded once.

17 repeat relationships: 9 still active in FY2024, 8 since wound down; 11 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

17
19

Total granted

$791k
$716k

Median revenue growth · since first grant

+62%
+34%

Still filing today

100%
100%

New vs renewed · share of each year

In FY2024, 45% of grant dollars renewed an existing relationship; $108k went to new ones.

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

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

’20’21’22’23’24
Community ImprovementHuman ServicesHousing & ShelterEducationYouth DevelopmentCrime & LegalOther
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

  • TC
    THE CAPITAL GOOD FUND
    4× · 2020–2024 · $99k · revenue +98%
  • IC
    IRCS CENTER FOR ECONOMIC OPPORTUNITY INC
    3× · 2020–2024 · $98k · revenue +229%
  • CC
    COMMUNITY CAPITAL NEW YORK INC
    2× · 2020–2022 · $80k · revenue +39%

Funded once

  • WC
    Working Credit NFPgraduated
    one grant, 2022 · $250k · revenue +177% · 32% of their budget
  • CC
    COVENANT COMMUNITY CAPITAL CORPORATIONgraduated
    one grant, 2022 · $100k · revenue +25%
  • MA
    MISSION ASSET FUND
    one grant, 2020 · $60k · revenue -77%
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
Community Loan Fund of the Capital Region Inc

Community development financial institution that links socially concerned investors with community needs by making affordable housing, community and economic development loans to nonprofit orgs, small businesses and low/moderate income…

Housing & Shelter
2
First Community Capital Inc

First Community Capital, Inc. (FCCI) is a certified Community Development Financial Institution (CDFI) dedicated to expanding access to affordable capital and technical assistance for small businesses and individuals, with a focus on low-…

Employment
3
Community Enterprise Development Services

Community enterprise development services' mission is to support the american dream of financial self-sufficiency, by assisting refugees, immigrants, and those from underserved communities in metro denver who desire to own or strengthen…

Human Services
4
Fresno Community Development Financial Institution dba Access Plus Capital

Access plus capital is nonprofit small business lender and service provider with the mission to eliminate economic barriers to financial success through fair and equitable community investment.

Public Benefit
5
Cincinnati Development Fund

To strengthen underserved neighborhoods and improve lives through innovative financing.

Housing & Shelter
6
Chattanooga Neighborhood Enterprise

Mission: to create economically diverse neighborhoods filled with financially empowered citizens and housing for all.vision: all chattanoogans can afford a safe place in a strong neighborhood to call home. belief: we believe the future of…

Housing & Shelter
7
Newwest Community Capital Inc

A certified community development financial institution organized to increase access to capital for affordable housing and community facilities.

Community Improvement
8
Vermont Community Loan Fund

Investing in people and communities to create a just and thriving vermont

Housing & Shelter
9
Community Development Financial Institution - Tohono O'odham Nation

We assist in overall economic development and support new businesses and help to improve personal financial stability through our premier educational and loan services.

Community Improvement
10
Community Development Corporation of Utah

The community development corporation of utah (cdcu) helps our community thrive by empowering people on their path toward financial security, housing stability, and access to affordable homes.we achieve this by:1. increasing financial…

Housing & Shelter
11
National Community Investment Fund

NCIF invests capital and lends with institutions, that increase access to responsible financial products and services, catalyze projects that provide economic opportunities, and improve the quality of life in underserved communities…

Community Improvement
12
Small Business Empowerment Fund Cdfi

A community development financial institution or community development finance institution - abbreviated in both cases to CDFI - is a financial institution that provides credit and financial services to underserved markets and populations,…

Community Improvement
How this is measured
The grantee most central to the portfolio’s shape is Community First Fund; the most unlike its peers is Housing Options & Planning Enterprises 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

45 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. 45 of the 47 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)
18
Early backer (in before they grew)
45/45
Grantees still filing
27/45
Grew since first funded

Where the money sits, by cause and then by grantee

Working Credit NFP: $250,000 · Human ServicesWorking Credit NFPIRCS CENTER FOR ECONOMIC OPPORTUNITY INC: $98,000 · Human ServicesIRCS CENTER FOR ECONOMIC OPPORTUNITY INCNORTHWEST ACCESS FUND: $65,000 · Human ServicesNORTHWEST ACCESS FUNDCOMMUNITY CREDIT LAB: $50,000 · Human ServicesCOMMUNITY CREDIT LABHEBREW FREE LOAN SOCIETY INC: $20,000 · Human Services+8 more: $96,749 · Human Services+8 moreCOVENANT COMMUNITY CAPITAL CORPORATION: $100,000 · Community ImprovementCOVENANT COMMUNITY CAPITAL CORPORA…THE CAPITAL GOOD FUND: $98,786 · Community ImprovementTHE CAPITAL GOOD FUNDMISSION ASSET FUND: $60,000 · Community ImprovementMISSION ASSET FUNDLATINO ECONOMIC DEVELOPMENT CORPORATION: $45,000 · Community ImprovementLATINO ECONOMIC DEVELOPMENT CORPOR…Nimiipuu Community Development Fund: $25,000 · Community ImprovementFIRST NATIONS COMMUNITY FINANCIAL: $25,000 · Community ImprovementCOMMUNITY FIRST CAPITAL CORP: $22,500 · Community ImprovementNACDC Financial Services Inc: $19,785 · Community ImprovementBUSINESS AND COMMUNITY LENDERS OF TEXAS: $17,786 · Community ImprovementFresno Area Hispanic Foundation: $17,786 · Community Improvement+5 more: $58,572 · Community Improvement+5 moreCOMMUNITY CAPITAL NEW YORK INC: $80,000 · Housing & ShelterCOMMUNITY CAPITAL NE…COMMUNITY FIRST FUND: $78,910 · Housing & ShelterCOMMUNITY FIRST FUNDJustine Petersen Housing And Reinvestment Corporation: $61,000 · Housing & ShelterJustine Petersen Hou…LOUISVILLE HOUSING OPPORTUNITY AND MICRO ENTERPRISE COMMUNITY: $25,000 · Housing & ShelterLOUISVILLE HOUSING O…SOLITAS HOUSE INC: $19,875 · Housing & ShelterSOLITAS HOUSE INCWISCONSIN NATIVE LOAN FUND INC: $15,000 · Housing & Shelter+2 more: $11,000 · Housing & ShelterCommon Wealth Associates Inc: $75,000 · EducationAFRICAN ECONOMIC DEVELOPMENT SOLUTIONS: $7,250 · EducationTHE FOUNTAIN FUND: $55,786 · Crime & LegalPEOPLE TRUST: $30,786 · Youth DevelopmentLEGACY INSTITUTE FOR FINANCIAL EMPOWERMENT: $18,786 · Youth DevelopmentWESTSIDE HOUSING ORGANIZATION INC: $25,000 · OtherGUADALUPE CENTERS FEDERAL CREDIT UNION: $8,000 · OtherLENDING SOLUTIONS LLC: $5,500 · OtherMicrocare Community Development Solutions: $14,500 · OtherHUSTLE USA: $7,000 · OtherSOLAR & ENERGY LOAN FUND OF ST LUCIE COUNTY INC: $6,000 · Other
Human Services$579,749Community Improvement$490,215Housing & Shelter$290,785Education$82,250Crime & Legal$55,786Youth Development$49,572Other$66,000

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

25%50%75%100%$1.0M$10Mgrantee revenue →↑ funder's share of their budgetWorking Credit NFP: $250,000 over 1y, 32% of budgetCOVENANT COMMUNITY CAPITAL CORPORATION: $100,000 over 1y, 4.8% of budgetTHE CAPITAL GOOD FUND: $98,786 over 4y, 1.4% of budgetIRCS CENTER FOR ECONOMIC OPPORTUNITY INC: $98,000 over 3y, 3.4% of budgetCOMMUNITY CAPITAL NEW YORK INC: $80,000 over 2y, 4.5% of budgetCOMMUNITY FIRST FUND: $78,910 over 4y, 0.4% of budgetCommon Wealth Associates Inc: $75,000 over 2y, 5.0% of budgetNORTHWEST ACCESS FUND: $65,000 over 2y, 2.8% of budgetJustine Petersen Housing And Reinvestment Corporation: $61,000 over 2y, 0.4% of budgetMISSION ASSET FUND: $60,000 over 1y, 0.1% of budgetTHE FOUNTAIN FUND: $55,786 over 4y, 3.7% of budgetCOMMUNITY CREDIT LAB: $50,000 over 1y, 17% of budgetLATINO ECONOMIC DEVELOPMENT CORPORATION: $45,000 over 1y, 0.3% of budgetPEOPLE TRUST: $30,786 over 3y, 0.6% of budgetLOUISVILLE HOUSING OPPORTUNITY AND MICRO ENTERPRISE COMMUNITY: $25,000 over 1y, 0.8% of budgetNimiipuu Community Development Fund: $25,000 over 1y, 3.8% of budgetFIRST NATIONS COMMUNITY FINANCIAL: $25,000 over 1y, 4.5% of budgetWESTSIDE HOUSING ORGANIZATION INC: $25,000 over 1y, 1.1% of budgetCOMMUNITY FIRST CAPITAL CORP: $22,500 over 2y, 2.1% of budgetHEBREW FREE LOAN SOCIETY INC: $20,000 over 1y, 0.3% of budgetSOLITAS HOUSE INC: $19,875 over 2y, 1.2% of budgetNACDC Financial Services Inc: $19,785 over 2y, 0.3% of budgetCAP SERVICES INC: $19,285 over 2y, 0.1% of budgetLEGACY INSTITUTE FOR FINANCIAL EMPOWERMENT: $18,786 over 2y, 2.2% of budgetBUSINESS AND COMMUNITY LENDERS OF TEXAS: $17,786 over 2y, 0.3% of budgetFresno Area Hispanic Foundation: $17,786 over 3y, 0.2% of budgetCOOK INLET LENDING CENTER: $15,000 over 1y, 0.2% of budgetREDBUD FINANCIAL ALTERNATIVES INC: $15,000 over 1y, 7.1% of budgetBETTERFI: $15,000 over 1y, 4.1% of budgetWISCONSIN NATIVE LOAN FUND INC: $15,000 over 1y, 0.3% of budgetMicrocare Community Development Solutions: $14,500 over 1y, 9.2% of budgetOPENING DOORS INC: $14,500 over 1y, 0.1% of budgetUNION COUNTY ECONOMIC DEVELOPMENT CORP: $11,786 over 1y, 0.2% of budgetLAKE SUPERIOR COMMUNITY DEVELOPMENT CORPORATION: $11,786 over 2y, 0.9% of budgetNORTH PHILADELPHIA FINANCIAL PARTNERSHIP NEIGHBORHOOD PROGRESS FUND: $11,786 over 1y, 1.0% of budgetONE PERCENT FOR AMERICA INC: $10,000 over 1y, 15% of budgetPACIFIC COMMUNITY FUND FKA NATIONAL ASIAN AMERICAN COALITION: $8,000 over 1y, 0.4% of budgetAFRICAN ECONOMIC DEVELOPMENT SOLUTIONS: $7,250 over 1y, 0.2% of budgetSOLAR & ENERGY LOAN FUND OF ST LUCIE COUNTY INC: $6,000 over 1y, 0.1% of budgetHOUSING OPTIONS & PLANNING ENTERPRISES INC: $5,893 over 1y, 0.8% of budgetJAMESTOWN SKLALLAM TRIBAL CAPITAL INC: $5,500 over 1y, 4.5% of budgetNeighborWorks Housing Services of Pueblo Inc: $5,500 over 1y, 0.1% of budgetLAFAYETTE NEIGHBORHOOD HOUSING SERVICES INC: $5,500 over 1y, 0.3% 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.

Opportunity Finance N…Wells Fargo FoundationOweesta CorporationCredit Builders Allia…National Association …Citi FoundationNdn Collective IncTd Charitable Foundat…National Community Re…Truist Foundation IncTides FoundationImpactassetsinc
Opportunity Finance NetworkDC42.3× affinity18 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →

Open a dossier: Opportunity Finance Network · Wells Fargo Foundation · Oweesta Corporation · Credit Builders Alliance Inc · National Association for Latino Community Asset Builders · Citi Foundation · Ndn Collective Inc · Td Charitable Foundation · National Community Reinvestment Coalition Inc · Truist Foundation Inc · Tides Foundation · Impactassetsinc

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 Cba Fund funds: left to right is the share of its income from government, bottom to top the share from Cba Fund. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 10%3%10%23%40%funder's share of their income ↑0%25%50%75%100%share of the org’s income from government →median 47%
  • Solar & Energy Loan Fund of St Lucie County Inc: 100% of income from government
  • Union County Economic Development Corp: 47% of income from government
  • Solitas House Inc: 1% of income from government
no gov moneyreceives it· size = income
1get no government money at all
9report government grants on their 990 we could not trace to a source (not plotted)
1rely 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.
05Through Plinth

Warm introductions · Powered by PlinthPlus

How do I get to Cba Fund?

Find your warmest path to Cba Fund through trustees and officers whose names appear on both boards. Search for your organization and Plinth traces the shortest route it can evidence.

Each link is a name appearing on two organizations’ public IRS 990 filings, matched on that name and, where the filings support it, on location. A same-state match has geographic support, which is a second matching feature rather than confirmation that the two are one person; a cross-state one is the likeliest to be two people who share a name. Every hop shows its tier, low-confidence and distant paths are held back rather than guessed, and it is worth confirming the person before you use the introduction.

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 47 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 Cba’s 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