Skip to content
Commonwealth Credit Union at a glance

· Public charity

Commonwealth Credit Union

The credit union's vision is "growth inspired by engagement, empowerment, and extraordinary service." commonwealth provides its members with a safe place to save and a source of credit in a not-for-profit context.

$103k
Granted FY2025still arriving
1
Grants FY2025still arriving
1
States reached
$103k
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, FY2019 to 2025.

Health$709kEducation$688kRecreation & Sports$351kPublic Safety & Disaster$281kYouth Development$122kFood & Nutrition$103kArts & Culture$75kCommunity Improvement$29kOther$0
02FY2025 · 1 grant

Where the money goes

Grants by size, and the largest recipients.

$103,000
Median grant
1
States reached
$0
Total assets
Largest grants
RecipientAmount
UNIVERSITY OF LOUISVILLE FOUNDATION INC$103,000
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, $581k) land where the poverty rate runs at 15%, against an area that typically sits at 8%. 100% of those dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 8%LOUISVILLE URBAN LEAGUE SPONSORSHIP: $200k → 15%AMERICAN RED CROSS: $75k → 15%LOUISVILLE URBAN LEAGUE: $100k → 15%AMERICAN RED CROSS: $58k → 15%AMERICAN RED CROSS: $56k → 15%AMERICAN RED CROSS: $55k → 15%AMERICAN RED CROSS: $38k → 15%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.

78%of every dollar goes to organizations it has funded before.
$1.8M · 12 repeat orgs$528k to everyone else

12 repeat relationships: 1 still active in FY2025, 11 since wound down.

How the two cohorts compare

Re-uppedFunded once

Organizations

12
8

Total granted

$1.8M
$528k

Median revenue growth · since first grant

+38%
+42%

Still filing today

100%
50%

New vs renewed · share of each year

In FY2025, 100% of grant dollars renewed an existing relationship; $0 went to new ones.

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

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

’19’20’21’22’23’24’25
HealthEducationHuman ServicesOther
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

  • AH
    American Heart Association Inc
    6× · 2019–2024 · $305k · revenue +43%
  • TL
    THE LOUISVILLE URBAN LEAGUE INC
    2× · 2020–2024 · $300k · revenue +97%
  • AN
    American National Red Cross & Its Constituent Chapters and Branches
    5× · 2020–2024 · $281k · revenue +38%

Funded once

  • BH
    Baptist Health Foundation Lexington Inc
    one grant, 2024 · $250k · revenue 0%
  • EK
    EASTERN KENTUCKY UNIVERSITY FOUNDATION INCgraduated
    one grant, 2024 · $200k · revenue +242%
  • LB
    LOUISVILLE BATS LLC
    one grant, 2022 · $33k
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
Kentucky Bankers Association

To provide effective advocacy for the financial services industry both in kentucky and on a national level; to serve as a reliable and responsive source of information and education about areas of interest to the industry; and to provide a…

—
2
Kentucky Chamber of Commerce Inc

To support a prosperous business climate in the commonwealth of kentucky through advocacy, education, information and services in order to promote business retention and recruitment.

—
3
Kentucky Chamber Foundation Inc

The Kentucky Chamber Foundation's purpose is to unlock the power of business, accelerate solutions, and build opportunity in Kentucky.

Community Improvement
4
Indiana University Health Frankfort Inc

Lead the transformation of healthcare through quality, innovation & education, and make Indiana one of the nation's healthiest states.

Health
5
Federation of State Medical Boards of the United States Inc

The fsmb serves as the voice for state medical boards, supporting them through education, assessment, research and advocacy while providing services and initiatives that promote patient safety, quality health care and regulatory best…

Health
6
Lancaster Chamber of Commerce & Industry

The lancaster chamber of commerce & industry's mission is to create the environment, facilitate partnerships, and lead on issues that elevate business success. the chamber has 5 strategic priorities: public policy, workforce, business…

—
7
Northern Kentucky Chamber of Commerce

Our mission is to promote and support the development of strong businesses and a vibrant economy in the northern kentucky region, through leadership and advocacy, resulting in a better quality of life for all.

—
8
Uofl Health-Shelbyville Inc

To operate and maintain a hospital affiliated with the university of louisville school of medicine and to provide care for the people who are in need of those, or related, medical services.

Health
9
Furman University

The primary mission of furman as a liberal arts institution is to provide a distinctive education in fine arts, humanities, social sciences, mathematics and the sciences, as well as selected professional disciplines.

Education
10
University Family Physicians Inc

Engage actively and continuously in medical research, education and training in the practice of medicine in conjunction with the department of family medicine of the indiana university school of medicine and indiana university…

—
11
Commerce Lexington Inc

To represent our members, creating the environment and opportunity for economic prosperity and quality living in central kentucky.

—
12
Central Indiana Corporate Partnership Inc

Central indiana corporate partnership (cicp) is an alliance of indiana's business and research university leaders coming together to foster long-term prosperity for the region. cicp's mission is to transform the economy of indiana in order…

Community Improvement
How this is measured
The grantee most central to the portfolio’s shape is Make-a-Wish Foundation of Oh Ky & in; the most unlike its peers is Woodford County Chamber of Commerce. 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

16 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. 16 of the 20 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)
2
Early backer (in before they grew)
16/16
Grantees still filing
12/16
Grew since first funded

Where the money sits, by cause and then by grantee

UNIVERSITY OF LOUISVILLE FOUNDATION INC: $409,642 · EducationUNIVERSITY OF LOUISVILLE FOUNDATION I…EASTERN KENTUCKY UNIVERSITY FOUNDATION INC: $200,000 · EducationEASTERN KENTUCKY UNIVERSITY FOUNDATIO…KENTUCKY FINANCIAL EMPOWERMENT FOUNDATION: $114,250 · EducationKENTUCKY FINANCIAL EMPOWERMENT FOUNDA…Campbellsville University Inc: $60,000 · EducationCampbellsville University IncAmerican Heart Association Inc: $304,540 · HealthAmerican Heart Association IncBaptist Health Foundation Lexington Inc: $250,000 · HealthBaptist Health Foundation Lexingt…MAKE-A-WISH FOUNDATION OF OH KY & IN: $120,698 · HealthMAKE-A-WISH FOUNDATION OF OH KY &…SHRINERS HOSPITALS FOR CHILDREN: $23,779 · Health+1 more: $10,000 · HealthTHE LOUISVILLE URBAN LEAGUE INC: $300,000 · Human ServicesTHE LOUISVILLE URBAN LEAGUE…American National Red Cross & Its Constituent Chapters and Branches: $280,500 · Human ServicesAmerican National Red Cross…YOUNG MEN'S CHRISTIAN ASSOCIATION OF GREATER LEXINGTON KENTUCKY: $141,667 · OtherYOUNG MEN'S CH…KENTUCKY DERBY FESTIVAL INC: $58,500 · OtherKENTUCKY DERBY…LOUISVILLE BATS LLC: $32,500 · OtherLOUISVILLE BAT…FRANKFORT AREA CHAMBER OF COMMERCE: $19,930 · OtherFRANKFORT AREA…DOWNTOWN FRANKFORT INC: $16,000 · Other+4 more: $35,325 · Other+4 more
Education$783,892Health$709,017Human Services$580,500Other$303,922

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 budgetUNIVERSITY OF LOUISVILLE FOUNDATION INC: $409,642 over 4y, 0.4% of budgetAmerican Heart Association Inc: $304,540 over 6y, 0.0% of budgetTHE LOUISVILLE URBAN LEAGUE INC: $300,000 over 2y, 2.9% of budgetAmerican National Red Cross & Its Constituent Chapters and Branches: $280,500 over 5y, 0.0% of budgetBaptist Health Foundation Lexington Inc: $250,000 over 1y, 9.6% of budgetEASTERN KENTUCKY UNIVERSITY FOUNDATION INC: $200,000 over 1y, 2.8% of budgetYOUNG MEN'S CHRISTIAN ASSOCIATION OF GREATER LEXINGTON KENTUCKY: $141,667 over 5y, 0.3% of budgetMAKE-A-WISH FOUNDATION OF OH KY & IN: $120,698 over 5y, 0.2% of budgetKENTUCKY FINANCIAL EMPOWERMENT FOUNDATION: $114,250 over 2y, 29% of budgetCampbellsville University Inc: $60,000 over 2y, 0.0% of budgetKENTUCKY DERBY FESTIVAL INC: $58,500 over 2y, 0.5% of budgetSHRINERS HOSPITALS FOR CHILDREN: $23,779 over 2y, 0.0% of budgetFRANKFORT AREA CHAMBER OF COMMERCE: $19,930 over 2y, 3.9% of budgetDOWNTOWN FRANKFORT INC: $16,000 over 2y, 7.6% of budgetALZHEIMER'S DISEASE & RELATED DISORDERS ASSOCIATION INC: $10,000 over 1y, 0.0% of budgetWOODFORD COUNTY CHAMBER OF COMMERCE: $9,325 over 1y, 2.8% 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.

Blue Grass Community …The Community Foundat…Baird Foundation IncNatl Christian Charit…Vanguard Charitable E…American Online Givin…Donor Advised Charita…Fidelity Investments …Amazonsmile Foundation
Blue Grass Community Foundation IncKY15.4× affinity5 shared granteesties to 8 of 8Hover any node to trace its alignments.Compare side by side →

Open a dossier: Blue Grass Community Foundation Inc · The Community Foundation of Louisville Inc · Baird Foundation Inc · Natl Christian Charitable Fdn Inc · Vanguard Charitable Endowment Program · American Online Giving Foundation Inc · Donor Advised Charitable Giving 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 Commonwealth Credit Union funds: left to right is the share of its income from government, bottom to top the share from Commonwealth Credit Union. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%2%8%17%30%funder's share of their income ↑0%4%8%11%15%share of the org’s income from government →median 0%
  • Shriners Hospitals for Children: 0% of income from government
no gov moneyreceives it· size = income
0get no government money at all
3report government grants on their 990 we could not trace to a source (not plotted)
0rely on government for over half their income
⤢ axis zoomed · 0–15%
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 20 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

Play a game based on Commonwealth 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