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Christian Financial Credit Union at a glance

· Public charity

Christian Financial Credit Union

Christian financial services nearly 55,700 members in metropolitan detroit.

$47k
Granted FY2024still arriving
5
Grants FY2024still arriving
2
States reached
$10k
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, FY2022 to 2024.

Philanthropy$189kReligion$70kHousing & Shelter$36kFood & Nutrition$18kHealth$10kHuman Services$10k
02FY2024 · 5 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 5 grants below total $36,700, the rows itemized in this filing. The $47,151 headline is the total grant expense on the return; the other $10,451 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 $10k4 grants · $27k
  • $10k–50k1 grant · $10k
$7,500
Median grant
2
States reached
$901M
Total assets
Largest grants
RecipientAmount
MCREST(MACOMB COUNTY ROTATING EMERGENCY SHELTER TEAM)$10,000
BLESSINGS IN A BACKPACK- WARRENCOMMUNITY FOUNDATION OF GREATER ROCHESTER$8,000
SACRED HEART MAJOR SEMINARY$7,500
MACOMB COUNTY HABITAT FOR HUMANITY$6,000
HABITAT FOR HUMANITY DETROIT$5,200
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 (FY22–22, $20k) land where the poverty rate runs at 16%, against an area that typically sits at 13%. 50% of those dollars go to grantees based in above-average-need neighborhoods. Its grants spread fairly evenly across need levels.

area typical 13%KIDS ON THE GO: $10k → 10%ST VICENT DE PAUL DETROIT: $10k → 21%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.

31%of every dollar goes to organizations it has funded before.
$100k · 3 repeat orgs$225k to everyone else

Grantees it renews have grown median revenue +45% since the first grant, against +21% for those funded once.

3 repeat relationships: 3 still active in FY2024, 0 since wound down; 1 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

3
4

Total granted

$100k
$219k

Median revenue growth · since first grant

+45%
+21%

Still filing today

67%
100%

New vs renewed · share of each year

In FY2024, 79% of grant dollars renewed an existing relationship; $6k went to new ones.

50%100%’22’23’24
RenewedFirst-time

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

’22’23’24
Human ServicesHousing & ShelterPhilanthropyOther
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

  • SH
    SACRED HEART SEMINARY
    3× · 2022–2024 · $70k
  • MC
    MACOMB COUNTY ROTATING EMERGENCY SHELTER TEAM
    2× · 2022–2024 · $20k · revenue -54%
  • HF
    HABITAT FOR HUMANITY DETROIT
    2× · 2023–2024 · $10k · revenue +45%

Funded once

  • CF
    CHRISTIAN FINANCIAL OUTREACH AND IMPACT FOUNDATION INC
    one grant, 2023 · $189k · 100% of their budget
  • MS
    MOTOWN SOUP INCgraduated
    one grant, 2022 · $10k · revenue +31%
  • KO
    KIDS ON THE GO
    one grant, 2022 · $10k · revenue -24%
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
Rockford Area Habitat for Humanity

To advocate on behalf of those in need of decent shelter by building and renovating affordable houses.

Housing & Shelter
2
Montcalm County Habitat for Humanity

The mission of Montcalm County Habitat for Humanity is to improve lives in our community by building safe and affordable housing in partnership with Gods people.

—
3
Community & Home Supports Inc

Community & home supports, inc. was founded to help people and communities address poverty and homelessness. we strive to fulfill our purpose by developing, leading, and participating in collaborative and innovative efforts that support…

Human Services
4
Habitat for Humanity of Effingham County Inc

Habitat is a christian housing ministry that works with people in need to improve the conditions in which they live by providing affordable housing.

—
5
Mahaska County Habitat for Humanity

A nonprofit ecumenical christian housing ministry dedicated to eleminating substandard housing and homelessness worldwide and to making adequate, affordable shelter a matter of conscience and action.

—
6
Habitat for Humanity of Champaign County

Habitat for humanity of champaign county, inc. is an organization guided by christian principles which seeks to build simple, decent, affordable housing for those unable to purchase a home through conventional means, while empowering…

Housing & Shelter
7
Macomb Residential Opportunities Inc

To serve individuals with disabilities by providing residential and personal support in a manner that promotes individual dignity, community integration and quality of life

—
8
Habitat for Humanity of the San Juans

Provide affordable housing to the disadvantaged

Housing & Shelter
9
Habitat for Humanity - Grand Traverse Region

Habitat for humanity - grand traverse region is an ecumenical christian housing ministry. the organization works in partnership with people to improve the conditions in which they live by providing affordable housing. habitat challenges…

—
10
Habitat for Humanity of Marion County Inc

To provide safe and affordable housing to all.

—
11
Habitat for Humanity of Cleveland Inc

Habitat for humanity of cleveland is a non-profit christian housing ministry. habitat works in partnership with god and people everywhere, from all walks of life, to develop communities for people in need by building and selling houses…

Housing & Shelter
12
Habitat for Humanity Capital Region Inc

To improve our communities by providing and maintaining safe, healthy, affordable homeownership opportunities for low-to-moderate income community members, in partnership with volunteers and organizations throughout the community.

Housing & Shelter
How this is measured
The grantee most central to the portfolio’s shape is Macomb County Habitat for Humanity Inc; the most unlike its peers is Christian Financial Outreach and Impact Foundation 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

8 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. 8 of the 9 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)
0
Early backer (in before they grew)
8/8
Grantees still filing
3/8
Grew since first funded

Where the money sits, by cause and then by grantee

CHRISTIAN FINANCIAL OUTREACH AND IMPACT FOUNDATION INC: $189,000 · OtherCHRISTIAN FINANCIAL OUTREACH AND IMPACT FOUNDATION INCSACRED HEART SEMINARY: $70,000 · OtherSACRED HEART SEMINARYHABITAT FOR HUMANITY DETROIT: $10,400 · Other+1 more: $6,000 · OtherMACOMB COUNTY ROTATING EMERGENCY SHELTER TEAM: $20,000 · Housing & ShelterKIDS ON THE GO: $10,000 · Human ServicesSOCIETY OF ST VINCENT DE PAUL IN THE ARCHDIOCESE OF DETROIT: $10,000 · Human ServicesMOTOWN SOUP INC: $10,000 · PhilanthropyCOMMUNITY FOUNDATION OF GREATER ROCHESTER: $8,000 · Philanthropy
Other$275,400Housing & Shelter$20,000Human Services$20,000Philanthropy$18,000

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 budgetCHRISTIAN FINANCIAL OUTREACH AND IMPACT FOUNDATION INC: $189,000 over 1y, 100% of budgetMACOMB COUNTY ROTATING EMERGENCY SHELTER TEAM: $20,000 over 2y, 0.7% of budgetHABITAT FOR HUMANITY DETROIT: $10,400 over 2y, 0.2% of budgetMOTOWN SOUP INC: $10,000 over 1y, 4.0% of budgetKIDS ON THE GO: $10,000 over 1y, 1.3% of budgetSOCIETY OF ST VINCENT DE PAUL IN THE ARCHDIOCESE OF DETROIT: $10,000 over 1y, 0.1% of budgetCOMMUNITY FOUNDATION OF GREATER ROCHESTER: $8,000 over 1y, 0.2% of budgetMACOMB COUNTY HABITAT FOR HUMANITY INC: $6,000 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.

Community Foundation …Christian Financial O…Donor Advised Charita…American Online Givin…Fidelity Investments …Amazonsmile Foundation
Community Foundation for Southeast MichiganMI17.4× affinity6 shared granteesties to 5 of 5Hover any node to trace its alignments.Compare side by side →

Open a dossier: Community Foundation for Southeast Michigan · Christian Financial Outreach and Impact Foundation Inc · Donor Advised Charitable Giving Inc · American Online Giving Foundation Inc · Fidelity Investments Charitable Gift Fund · Amazonsmile 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 Christian Financial Credit Union funds: left to right is the share of its income from government, bottom to top the share from Christian Financial Credit Union. 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%19%38%56%75%share of the org’s income from government →
    no gov moneyreceives it· size = income
    0get no government money at all
    4report government grants on their 990 we could not trace to a source (not plotted)
    0rely on government for over half their income
    ⤢ axis zoomed · 0–75%
    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 Christian Financial Credit Union?

    Find your warmest path to Christian Financial Credit Union 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 9 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 Christian Financial Credit Union’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