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Credit Builders Alliance Inc at a glanceMostly funded, not a grantmaker: see who funds it →

· Public charity

Credit Builders Alliance Inc

Cba's mission is to help organizations move people from poverty to prosperity through credit building.

$690k
Granted FY2024still arriving
21
Grants FY2024still arriving
10
States reached
$150k
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.

Human Services$852kMembership Benefit$295kCommunity Improvement$270kHousing & Shelter$204kSocial Science$150kEmployment$52kCrime & Legal$26kEducation$23kOther$0
02FY2024 · 21 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 21 grants below total $385,000, the rows itemized in this filing. The $689,716 headline is the total grant expense on the return; the other $304,716 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 $10k6 grants · $45k
  • $10k–50k14 grants · $190k
  • $50k–250k1 grant · $150k
$10,000
Median grant
10
States reached
$8.6M
Total assets
Largest grants
RecipientAmount
URBAN INSTITUTE$150,000
PHIPPS NEIGHBORHOODS$20,000
PROJECT ACCESS$20,000
MARSHALL HEIGHTS COMMUNITY$20,000
CONGRESO DE LATINOS UNIDOS INC$15,000
CENTRAL CITY NEIGHBORHOOD PARTNERS$15,000
CARROLL GARDENTS ASSOCIATION$15,000
COMMUNITY FIRST FUND$15,000
GATEWAY COMMUNITY ACTION$10,000
DOWNSTREET HOUSING AND COMMUNITY$10,000
FRIENDSHIP HOUSE OF DELAWARE$10,000
EXODUS LENDING$10,000
MILES COLLEGE$10,000
CENTER FOR TRANSFORMING LIVES$10,000
LSS FINANCIAL COUNSELING$10,000
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 (FY19–24, $819k) land where the poverty rate runs at 15%, against an area that typically sits at 11%. 96% of those dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 11%AROUET FOUNDATION: $8k → 11%EXODUS LENDING: $10k → 14%LSS FINANCIAL COUNSELING: $10k → 15%MERCY HOUSING MANAGEMENT GROUP: $7k → 10%THE URBAN LEAGUE OF ROCHESTER NY: $13k → 14%CENTER FOR TRANSFORMING LIVES: $10k → 11%WESST: $6k → 14%CAP SERVICES: $8k → 10%THE FIRST 72: $13k → 23%PENQUIS CAP: $13k → 15%ARIVA INC: $25k → 28%CENTRAL CITY NEIGHBORHOOD PARTNERS: $15k → 14%URBAN STRATEGIES INC: $13k → 21%CBA FUND INC: $595k → 14%CBA FUND INC: $75k → 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.

Which US states its grants reach

AK
ME
VT
ID
MN
IL
WI
MI
NY
MA
SD
IA
PA
NJ
RI
CA
CO
MO
KY
MD
DE
AZ
NM
TN
NC
DC
OK
LA
AL
GA
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.

60%of every dollar goes to organizations it has funded before.
$1.2M · 10 repeat orgs$765k to everyone else

10 repeat relationships: 0 still active in FY2024, 10 since wound down; 21 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

10
36

Total granted

$1.2M
$380k

Median revenue growth · since first grant

+35%
+38%

Still filing today

80%
89%

New vs renewed · share of each year

In FY2024, 0% of grant dollars renewed an existing relationship; $385k 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
Community ImprovementHuman ServicesHousing & ShelterEmploymentHealthEducationOther
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

  • CB
    CREDIT BUILDERS ALLIANCE INC
    3× · 2018–2020 · $295k · revenue +138%
  • LI
    LIFT INC
    2× · 2022–2023 · $40k · revenue +35%
  • NP
    NEIGHBORHOOD PARTNERSHIP HOUSING SERVICES INC
    2× · 2021–2022 · $30k · revenue +19%

Funded once

  • SF
    SER-JOBS FOR PROGRESS OF THE TEXAS GULF COAST INC
    one grant, 2023 · $30k · revenue -85%
  • AI
    ARIVA INCgraduated
    one grant, 2023 · $25k · revenue +48%
  • HH
    Harbor House of Central Florida Inc
    one grant, 2022 · $20k · revenue +12%
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
Neighborhood Reinvestment Corporation

The neighborhood reinvestment corporation (d.b.a neighborworks america) is a congressionally chartered public non-profit corporation that creates opportunities for people to live in affordable homes, improve their lives, and strengthen…

—
2
Enterprise Community Investment Inc

All our efforts support our strategic goals to increase housing supply, advance racial equity and build resilience and upward mobility.the organization raises private capital through investment and by forming effective partnerships.…

Housing & Shelter
3
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
4
Chn Housing Capital

Chn housing capital is a certified community development financial institution serving low-income individuals and distressed communities guided by the belief that homeownership should be within everyone's reach.

Human Services
5
Washington Area Community Investment Fund Inc

The washington area community investment fund (wacif) is a nonprofit community loan fund focused on increasing equity and economic opportunity in the washington, dc area's underserved communities. wacif's mission is driven is driven by…

—
6
Housing Partnership Development Corporation

Housing partnership development corporation functions to provide available low and moderate cost housing in the new york metro area through new housing production, preservation, rehabilitation, as well as the revitalization and…

Housing & Shelter
7
Community Capital New York Inc

Community capital is a nonprofit lender that has revitalized communities and transformed lives in the mid-hudson valley, bronx and fairfield county, ct for 36 years. our mission is to foster economic opportunity for underserved individuals…

Housing & Shelter
8
Community Credit Lab

To support equitable access to economic opportunities for immigrants, refugees, low-income, marginalized, and underserved communities in king county and the united states.

Human Services
9
Community Action Partnership of Greater St Joseph

Helping people, changing lives, engaging the community to end poverty

—
10
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
11
Coop Careers Inc

Building a movement of diverse, upwardly mobile college grads overcoming underemployment through digital skills and peer connections.

Education
12
Impact Capital

Impact capital is a community development financial institution that makes strategic loans in organizations, tribal entities, and housing authorities to spur community development, including affordable housing, art and cultural centers,…

Public Benefit
How this is measured
The grantee most central to the portfolio’s shape is Congreso De Latinos Unidos Inc; the most unlike its peers is Project Return 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

60 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. 60 of the 67 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)
9
Early backer (in before they grew)
59/60
Grantees still filing
42/60
Grew since first funded

Where the money sits, by cause and then by grantee

CBA FUND: $670,000 · Human ServicesCBA FUND+13 more: $148,800 · Human Services+13 moreCREDIT BUILDERS ALLIANCE INC: $295,000 · Membership BenefitCREDIT BUILDERS A…SHOSHONE BANNOCK TRIBES: $25,000 · OtherSHOSHONE BANNOC…MATRIX HUMAN SERVICES: $25,000 · OtherMATRIX HUMAN SE…PHIPPS NEIGHBORHOODS INC: $20,000 · OtherPHIPPS NEIGHBOR…Harbor House of Central Florida Inc: $20,000 · OtherHarbor House of…Mott Community College: $12,500 · OtherPROJECT RETURN INC: $12,000 · OtherFRIENDSHIP HOUSE INC: $10,000 · OtherCITIZEN POTAWATOMI NATION: $10,000 · OtherJUBILEE HOUSING INC: $10,000 · OtherTRI-COUNTY COMMUNITY ACTION AGENCY INC: $10,000 · OtherCONGRESO DE LATINOS UNIDOS INC: $15,000 · OtherCONGRESO DE LAT…Miles College Inc: $10,000 · OtherIowa Legal Aid: $14,000 · OtherIowa Legal Aid+9 more: $64,800 · Other+9 moreEAST BAY ASIAN LOCAL DEVELOPMENT CORPORATION: $26,000 · Community ImprovementEAST BAY A…MARSHALL HEIGHTS COMMUNITY DEVELOPMENT: $20,000 · Community ImprovementMARSHALL H…Project Access Inc: $20,000 · Community ImprovementProject Ac…Rocky Mountain Microfinance: $12,500 · Community ImprovementRocky Moun…UNION COUNTY ECONOMIC DEVELOPMENT CORP: $12,500 · Community ImprovementUNION COUN…INCLUSIVE ACTION FOR THE CITY: $12,500 · Community ImprovementINCLUSIVE …THE CAPITAL GOOD FUND: $10,000 · Community ImprovementTHE CAPITA…LATINO ECONOMIC DEVELOPMENT CORPORATION: $10,000 · Community ImprovementLATINO ECO…CALIFORNIA ASSOCIATION FOR MICROENTERPRISE OPPORTUNITY: $10,000 · Community ImprovementCALIFORNIA…CAPITAL AREA ASSET BUILDING CORPORATION: $10,000 · Community ImprovementCAPITAL AR…URBAN EDGE HOUSING CORPORATION: $8,000 · Community ImprovementMETROPOLITAN CONSORTIUM OF COMMUNITY DEVELOPERS: $8,000 · Community ImprovementSPRUCE ROOT INC: $8,000 · Community ImprovementBANANA KELLY COMMUNITY IMPROVEMENT ASSOCIATIONINC: $7,500 · Community ImprovementCOMMUNITY DEVELOPMENT CORPORATION OF LONG ISLAND INC: $7,500 · Community ImprovementTHE URBAN INSTITUTE: $150,000 · Social ScienceNEIGHBORHOOD PARTNERSHIP HOUSING SERVICES INC: $30,000 · Housing & ShelterColumbus Housing Initiative Inc: $25,000 · Housing & ShelterCARROLL GARDENS ASSOCIATION INC: $15,000 · Housing & ShelterCOMMUNITY FIRST FUND: $15,000 · Housing & ShelterDOWNSTREET HOUSING AND COMMUNITY DEVELOPMENT INC: $10,000 · Housing & ShelterEAST RIVER DEVELOPMENT ALLIANCE INC: $10,000 · Housing & ShelterJustine Petersen Housing And Reinvestment Corporation: $9,425 · Housing & ShelterBREAKING GROUND HOUSING DEVELOPMENT FUND CORPORATION: $7,500 · Housing & ShelterTHE NHP FOUNDATION: $7,000 · Housing & ShelterLIFT INC: $40,000 · EmploymentSER-JOBS FOR PROGRESS OF THE TEXAS GULF COAST INC: $30,000 · EmploymentHIRED: $8,000 · EmploymentREVOLUTION WORKSHOP: $8,000 · EmploymentGOODWILL INDUSTRIES OF KENTUCKY INC: $6,250 · Employment
Human Services$818,800Membership Benefit$295,000Other$258,300Community Improvement$182,500Social Science$150,000Housing & Shelter$128,925Employment$92,250

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

25%50%75%100%$10M$100Mgrantee revenue →↑ funder's share of their budgetCBA FUND: $670,000 over 2y, 45% of budgetCREDIT BUILDERS ALLIANCE INC: $295,000 over 3y, 7.5% of budgetTHE URBAN INSTITUTE: $150,000 over 1y, 0.1% of budgetLIFT INC: $40,000 over 2y, 0.2% of budgetNEIGHBORHOOD PARTNERSHIP HOUSING SERVICES INC: $30,000 over 2y, 0.4% of budgetSER-JOBS FOR PROGRESS OF THE TEXAS GULF COAST INC: $30,000 over 1y, 0.4% of budgetEAST BAY ASIAN LOCAL DEVELOPMENT CORPORATION: $26,000 over 2y, 0.1% of budgetARIVA INC: $25,000 over 1y, 1.2% of budgetColumbus Housing Initiative Inc: $25,000 over 2y, 0.1% of budgetMATRIX HUMAN SERVICES: $25,000 over 2y, 0.0% of budgetMARSHALL HEIGHTS COMMUNITY DEVELOPMENT: $20,000 over 1y, 0.9% of budgetPHIPPS NEIGHBORHOODS INC: $20,000 over 1y, 0.1% of budgetHarbor House of Central Florida Inc: $20,000 over 1y, 0.3% of budgetProject Access Inc: $20,000 over 1y, 0.1% of budgetCONGRESO DE LATINOS UNIDOS INC: $15,000 over 1y, 0.1% of budgetCENTRAL CITY NEIGHBORHOOD PARTNERS: $15,000 over 1y, 0.3% of budgetCARROLL GARDENS ASSOCIATION INC: $15,000 over 1y, 1.5% of budgetCOMMUNITY FIRST FUND: $15,000 over 1y, 0.1% of budgetIowa Legal Aid: $14,000 over 1y, 0.1% of budgetRocky Mountain Microfinance: $12,500 over 1y, 0.5% of budgetUNION COUNTY ECONOMIC DEVELOPMENT CORP: $12,500 over 1y, 0.4% of budgetURBAN STRATEGIES INC: $12,500 over 1y, 0.1% of budgetINCLUSIVE ACTION FOR THE CITY: $12,500 over 2y, 0.1% of budgetPENQUIS CAP INC: $12,500 over 1y, 0.0% of budgetThe First 72: $12,500 over 1y, 0.6% of budgetURBAN LEAGUE OF ROCHESTER NY INC: $12,500 over 1y, 0.2% of budgetPROJECT RETURN INC: $12,000 over 1y, 0.1% of budgetTHE CAPITAL GOOD FUND: $10,000 over 1y, 0.3% of budgetLATINO ECONOMIC DEVELOPMENT CORPORATION: $10,000 over 1y, 0.1% of budgetCENTER FOR TRANSFORMING LIVES: $10,000 over 1y, 0.0% of budgetJUBILEE HOUSING INC: $10,000 over 1y, 0.1% of budgetEXODUS FINANCIAL SERVICES: $10,000 over 1y, 0.2% of budgetMiles College Inc: $10,000 over 1y, 0.0% of budgetTRI-COUNTY COMMUNITY ACTION AGENCY INC: $10,000 over 1y, 0.0% of budgetLUTHERAN SOCIAL SERVICE OF MINNESOTA: $10,000 over 1y, 0.0% of budgetCALIFORNIA ASSOCIATION FOR MICROENTERPRISE OPPORTUNITY: $10,000 over 1y, 0.4% of budgetCAPITAL AREA ASSET BUILDING CORPORATION: $10,000 over 1y, 0.3% of budgetDOWNSTREET HOUSING AND COMMUNITY DEVELOPMENT INC: $10,000 over 1y, 0.1% of budgetJustine Petersen Housing And Reinvestment Corporation: $9,425 over 1y, 0.2% of budgetHIRED: $8,000 over 1y, 0.1% of budgetURBAN EDGE HOUSING CORPORATION: $8,000 over 1y, 0.1% of budgetREVOLUTION WORKSHOP: $8,000 over 1y, 0.3% of budgetArouet Foundation: $8,000 over 1y, 0.9% of budgetCommon Wealth Associates Inc: $8,000 over 1y, 2.1% of budgetMETROPOLITAN CONSORTIUM OF COMMUNITY DEVELOPERS: $8,000 over 1y, 0.6% of budgetHIAS INC: $8,000 over 1y, 0.0% of budgetCAP SERVICES INC: $8,000 over 1y, 0.1% of budgetSPRUCE ROOT INC: $8,000 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.

Wells Fargo FoundationTd Charitable Foundat…Enterprise Community …Citi FoundationNational Association …Opportunity Finance N…Jpmorgan Chase Founda…Neighborhood Reinvest…Local Initiatives Sup…Cba FundTruist Foundation IncProsperity Now
Wells Fargo FoundationMN37.2× affinity19 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →

Open a dossier: Wells Fargo Foundation · Td Charitable Foundation · Enterprise Community Partners Inc · Citi Foundation · National Association for Latino Community Asset Builders · Opportunity Finance Network · Jpmorgan Chase Foundation · Neighborhood Reinvestment Corporation · Local Initiatives Support Corporation · Cba Fund · Truist Foundation Inc · Prosperity Now

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 Credit Builders Alliance Inc funds: left to right is the share of its income from government, bottom to top the share from Credit Builders Alliance Inc. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%3%13%28%50%funder's share of their income ↑0%25%50%75%100%share of the org’s income from government →median 24%
  • Hias Inc: 88% of income from government
  • Union County Economic Development Corp: 47% of income from government
  • Harbor House of Central Florida Inc: 24% of income from government
  • Tri-County Community Action Agency Inc: 23% of income from government
  • Downstreet Housing and Community Development Inc: 7% of income from government
  • Urban Edge Housing Corporation: 2% of income from government
no gov moneyreceives it· size = income
0get no government money at all
14report 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.

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 67 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

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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