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Inclusiv Inc at a glanceMostly funded, not a grantmaker: see who funds it →

· Public charity

Inclusiv Inc

The mission of inclusiv is to help low- and moderate-income people and communities achieve financial independence through credit unions.

$1.5M
Granted FY2024still arriving
58
Grants FY2024still arriving
12
States reached
$300k
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.

Community Improvement$3.2MCivil Rights$670kHuman Services$309kHousing & Shelter$271kEnvironment$179kScience & Tech$155kPublic Benefit$72kPhilanthropy$19k
02FY2024 · 58 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 58 grants below total $1,350,970, the rows itemized in this filing. The $1,506,005 headline is the total grant expense on the return; the other $155,035 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 $10k17 grants · $127k
  • $10k–50k38 grants · $595k
  • $50k–250k2 grants · $329k
  • $250k+1 grant · $300k
$12,000
Median grant
12
States reached
$2.0B
Total assets
Largest grants
RecipientAmount
LATINO COMMUNITY CU$300,000
SAVERLIFE$179,250
HOPE FEDERAL CREDIT UNION$150,000
ABYSSINIAN BAPTIST CHURCH FCU$21,500
TULANE-LOYOLA FCU$21,500
PARAMOUNT BAPTIST CHURCH FCU$21,500
CTAFC FCU$21,500
SHILOH ENGLEWOOD FCU$21,500
MESSIAH BAPTIST CHURCH FCU$21,500
WHITE PLAINS POST OFFCIE EMPLOYEES FCU$21,500
UNIFIED HOMEOWNERS OF IL FCU$21,500
GREATER CENTENNIAL FEDERAL CREDIT UNION$21,500
CREDIT UNION OF ATLANTA$21,500
VITELCO EMPLOYEES FCU$20,000
NEIGHBORHOOD TRUST FINANCIAL PARTNERS$18,750
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:

Dollar for dollar, its grants (FY17–24) land where the poverty rate runs at 16%, against an area that typically sits at 11%. 75% of its dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 11%HILL DISTRICT FCU: $20k → 11%COOPERATIVE CENTER FCU: $15k → 10%SAVERLIFE: $179k → 10%EPISCOPAL COMMUNITY FCU: $15k → 14%SELF-HELP FEDERAL CREDIT UNION: $52k → 15%GREATER CENTENNIAL FEDERAL CREDIT UNION: $22k → 9%SYRACUSE COOPERATIVE FCU: $20k → 14%ABYSSINIAN BAPTIST CHURCH FCU: $22k → 17%BROOKLYN COOPERATIVE FCU: $25k → 20%LIGHT COMMERCE CREDIT UNION: $15k → 16%FLORIDA A&M UNIVERSITY FEDERAL CREDIT UNION: $20k → 19%ONE DETROIT CU: $25k → 21%PHENIX PRIDE FCU: $15k → 22%LATINO COMMUNITY CU: $300k → 11%CREDIT UNION OF ATLANTA: $22k → 13%URBAN BEGINNER CHOICE FCU: $31k → 12%GREATER CLEVELAND COMMUNITY CREDIT UNION: $25k → 17%TOLEDO URBAN FCU: $16k → 18%CENTER FOR FINANCIAL SERVICES INNOVATION: $59k → 14%HOPE FEDERAL CREDIT UNION: $150k → 23%WBRT FCU: $15k → 12%IBERVILLE FEDERAL CREDIT UNION: $16k → 19%TULANE-LOYOLA FCU: $22k → 23%COOPERATIVE CENTER FCU: $52k → 10%NORTHEAST COMMUNITY FEDERAL CREDIT UNION: $52k → 10%1199 SEIU FCU: $20k → 17%CONCORD FEDERAL CREDIT UNION: $14k → 20%FLORIDA A&M UNIVERSITY FEDERAL CREDIT UNION: $18k → 19%UNION BAPTIST CHURCH FEDERAL CREDIT UNION: $23k → 12%COOPERATIVE CENTER FCU: $20k → 10%NORTHEAST COMMUNITY FEDERAL CREDIT UNION: $15k → 10%CHURCH OF THE MASTER FCU: $15k → 17%PARAMOUNT BAPTIST CHURCH FCU: $22k → 14%MESSIAH BAPTIST CHURCH FCU: $22k → 16%EVEREST FEDERAL CREDIT UNION: $17k → 13%FAITH COMMUNITY UNITED CU: $25k → 17%TOLEDO METRO FEDERAL CREDIT UNION: $17k → 18%CHICAGO POST OFFICE EMPLOYEES: $15k → 14%CTAFC FCU: $22k → 14%FAITH BASED CREDIT UNION ALLIANCE: $100k → 14%NEIGHBORHOOD TRUST FINANCIAL PARTNERS: $300k → 17%FAITH BASED CREDIT UNION ALLIANCE: $20k → 14%NEIGHBORHOOD TRUST FEDERAL PARTNER INC: $212k → 17%BEREAN CREDIT UNION: $17k → 14%NEIGHBORHOOD TRUST FINANCIAL PARTNERS: $60k → 17%NEIGHBORHOOD TRUST FINANCIAL PARTNERS: $19k → 17%UNIFIED HOMEOWNERS OF IL FCU: $22k → 14%SHILOH ENGLEWOOD FCU: $22k → 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

IL
MI
NY
SD
IN
OH
PA
NJ
CA
CO
MO
VA
MD
NM
KS
AR
TN
NC
SC
DC
HI
LA
MS
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.
04

Where the work is directed

The same grants placed two ways: where each recipient sits, and where its stated purpose sends the money.

About 64% of Inclusiv Inc’s grant dollars are earmarked for a different county than the recipient’s own address. By recipient address, 19% of the giving stays in NY; by stated purpose, 8%.

Inclusiv Inclessmore of its giving
Placed by recipient address
How this is measured
Recipient view: each grant at its grantee’s ZIP, mapped to a county. Directed view: each grant at the county its stated purpose names, falling back to the recipient’s county when the purpose names no place; US grants only. A county shows only if it carries the top 95% of that view’s dollars. Purposes are read from the funder’s own 990 grant descriptions.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

64%of every dollar goes to organizations it has funded before.
$3.2M · 76 repeat orgs$1.7M to everyone else

Grantees it renews have grown median revenue +22% since the first grant, against +20% for those funded once.

76 repeat relationships: 35 still active in FY2024, 41 since wound down; 22 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

76
57

Total granted

$3.2M
$828k

Median revenue growth · since first grant

+22%
+20%

Still filing today

16%
19%

New vs renewed · share of each year

In FY2024, 32% of grant dollars renewed an existing relationship; $915k 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
Arts & CultureCommunity ImprovementHuman ServicesPhilanthropyPublic BenefitHousing & ShelterOther
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

  • GC
    GREATER CLEVELAND COMMUNITY CREDIT UNION INC
    3× · 2019–2023 · $47k · revenue +24%
  • CU
    CREDIT UNION OF ATLANTA
    3× · 2020–2024 · $42k · revenue +13%
  • CD
    COOPERATIVA DE AHORRO Y CREDITO DE MAYAGUEZ
    5× · 2020–2024 · $41k · revenue +22%

Funded once

  • FH
    FINANCIAL HEALTH NETWORK INCgraduated
    one grant, 2017 · $59k · revenue +33%
  • SF
    SELF-HELP FEDERAL CREDIT UNION
    one grant, 2021 · $52k
  • NP
    NATIONAL PARTNERSHIP FOR NEW AMERICANS
    one grant, 2018 · $50k · revenue -35%
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
Credit Union of America

Provide lending, savings, and financial services for mutual purpose, including consumer loans, real estate loans, credit cards, savings and certificate accounts, investment options, and multiple methods for member access to their financial…

—
2
Best Financial Credit Union

To inspire, empower and improve the qualify of life for our members and our communities.

—
3
Community Credit Union

Community credit union is a member owned organization that strives to provide financial services to ensure stability for all members, employees and communities at all stages of life.

—
4
Community Star Credit Union

To provide lending,savings, and other financial services to its qualifying members at terms generally better than available in the marketplace and with a service-based emphasis that recognizes the members status as owners.

—
5
Credit Unions in the State of California Sierra Central Credit Union

As your financial institution, we pledge to serve you and our community faithfully. we will be friendly, helpful, and professional, and we will provide great products and competitive rates.

—
6
County-City Credit Union

To help our members meet financial challenges in a responsive, convenient, friendly and caring manner; and to help them find financial security with competitive products and services.

—
7
Credit Union of Georgia

The credit union is a cooperative organized to provide members thrift savings and borrowings.

—
8
San Diego County Credit Union

A not-for-profit credit union wholly owned by its members

—
9
Gecu

Provide our members and our community with convenient, superior financial products and services that pave the way for financial freedom.

—
10
Mcu Financial Services Credit Union

To provide secure, convenient and quality financial services, in an economically sound manner, to all present and potential members.

—
11
Us Employees Credit Union

Illinois state chartered credit union operated for the mutual benefit of its members. The Credit Union makes loans to members and pays dividends to members with share deposits at a competitive rate of interest.

Public Benefit
12
Oucu Financial Credit Union Fka Ohio University Credit Union

Provide financial services to its members.

—
How this is measured
The grantee most central to the portfolio’s shape is Credit Unions in the State of Washington; the most unlike its peers is 1387 Nueva Esperanza. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
05the grantee network

54 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. 54 of the 155 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.

0
Load-bearing (≥25% of a budget)
14
Early backer (in before they grew)
53/54
Grantees still filing
35/54
Grew since first funded

Where the money sits, by cause and then by grantee

Neighborhood Tr Credit Union: $358,346 · OtherNeighborhood Tr Credit UnionLATINO COMMUNITY CREDIT UNION: $300,000 · OtherLATINO COMMUNITY CREDIT UNIONCOOPERATIVE CENTER FCU: $166,900 · OtherHOPE FEDERAL CREDIT UNION: $150,000 · Other+145 more: $3,079,473 · Other+145 moreNEIGHBORHOOD TRUST FINANCIAL PARTNERS INC: $512,467 · Arts & CultureNEIGHBORHOO…EARN INC: $179,250 · PhilanthropyFINANCIAL HEALTH NETWORK INC: $58,529 · Community ImprovementNATIONAL PARTNERSHIP FOR NEW AMERICANS: $50,000 · Human ServicesCREDIT UNION OF ATLANTA: $41,500 · Public BenefitCOMMUNITY FIRST FUND: $10,500 · Housing & Shelter
Other$4,054,719Arts & Culture$512,467Philanthropy$179,250Community Improvement$58,529Human Services$50,000Public Benefit$41,500Housing & Shelter$10,500

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 budgetNEIGHBORHOOD TRUST FINANCIAL PARTNERS INC: $512,467 over 2y, 4.2% of budgetLATINO COMMUNITY CREDIT UNION: $300,000 over 2y, 0.4% of budgetEARN INC: $179,250 over 1y, 1.9% of budgetFINANCIAL HEALTH NETWORK INC: $58,529 over 1y, 0.5% of budgetNATIONAL PARTNERSHIP FOR NEW AMERICANS: $50,000 over 1y, 1.1% of budgetGREATER CLEVELAND COMMUNITY CREDIT UNION INC: $47,000 over 3y, 3.0% of budgetCREDIT UNION OF ATLANTA: $41,500 over 3y, 0.4% of budgetCOOPERATIVA DE AHORRO Y CREDITO DE MAYAGUEZ: $41,000 over 5y, 0.2% of budgetONE DETROIT CREDIT UNION: $35,000 over 2y, 0.4% of budgetCHICAGO MUNICIPAL EMPLOYEE'S CREDIT UNION: $29,500 over 3y, 0.3% of budgetCOOPERATIVA DE AHORRO Y CREDITO DE FLORIDA: $27,500 over 3y, 0.1% of budgetCHICAGO POST OFFICE EMPLOYEES CREDIT UNION: $25,000 over 3y, 0.6% of budgetFaith Community United Credit Union: $25,000 over 2y, 1.7% of budgetSTAR OF TEXAS CREDIT UNION: $20,000 over 2y, 0.4% of budget1387 NUEVA ESPERANZA: $20,000 over 2y, 4.3% of budgetCOOPERATIVA AHORRO Y CREDITO PEPINIANA: $18,770 over 2y, 0.2% of budgetNATIONAL CREDIT UNION FOUNDATION: $18,750 over 1y, 0.3% of budgetCOOPERATIVA DE AHORRO Y CREDITO DE AIBONITENA: $16,500 over 2y, 0.1% of budgetLIGHT COMMERCE CREDIT UNION: $15,000 over 2y, 4.8% of budgetCOMMUNITY CREDIT UNION OF NEW MILFORD IN: $13,250 over 1y, 2.2% of budgetMETROPOLITAN TEACHERS CREDIT UNION: $13,250 over 1y, 5.2% of budgetEQUISHARE CREDIT UNION: $13,000 over 1y, 0.6% of budgetCOMMUNITY FIRST FUND: $10,500 over 1y, 0.1% of budgetCOOPERATIVE AHORRO Y CREDITO DE AGUADILLA: $10,500 over 1y, 0.1% of budgetGREATER KINSTON CREDIT UNION: $10,000 over 1y, 1.2% of budgetCOOPERATIVA DE AHORRO Y CREDITO DE LARES y REGION CENTRAL: $10,000 over 1y, 0.1% of budgetCREDIT UNIONS IN THE STATE OF NEW MEXICO: $9,500 over 1y, 0.1% of budgetPUBLIC SERVICE CREDIT UNION: $9,500 over 1y, 0.0% of budgetCOOPERATIVA DE AHORRO Y CREDITO MOROVENA: $6,000 over 1y, 0.1% 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.

  • Who funds NEIGHBORHOOD TRUST FINANCIAL PARTNERS INC ↗
  • Who funds LATINO COMMUNITY CREDIT UNION ↗
  • Who funds EARN INC ↗
  • Who funds FINANCIAL HEALTH NETWORK INC ↗
  • Who funds NATIONAL PARTNERSHIP FOR NEW AMERICANS ↗
  • Who funds GREATER CLEVELAND COMMUNITY CREDIT UNION INC ↗
  • Who funds CREDIT UNION OF ATLANTA ↗
  • Who funds COOPERATIVA DE AHORRO Y CREDITO DE MAYAGUEZ ↗
  • Who funds ONE DETROIT CREDIT UNION ↗
  • Who funds CHICAGO MUNICIPAL EMPLOYEE'S CREDIT UNION ↗

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.

Ohio Credit Union Fou…National Credit Union…Annie E Casey Foundat…WK Kellogg FoundationTides FoundationLocal Initiatives Sup…The Bank of America C…Fidelity Investments …
Ohio Credit Union FoundationOH15.5× affinity5 shared granteesties to 0 of 7Hover any node to trace its alignments.Compare side by side →

Open a dossier: Ohio Credit Union Foundation · National Credit Union Foundation · Annie E Casey Foundation Inc · WK Kellogg Foundation · Tides Foundation · Local Initiatives Support Corporation · The Bank of America Charitable Foundation Inc · Fidelity Investments Charitable Gift Fund

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

2024
’20’21’22’23’24’25
no gov · 10%1%3%6%10%funder's share of their income ↑0%25%50%75%100%share of the org’s income from government →
    no gov moneyreceives it· size = income
    1get no government money at all
    7report government grants on their 990 we could not trace to a source (not plotted)
    0rely 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 155 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.

    Possibly out of date. A more recent filing (FY2025) is on record and reports $4.8M of grant expense, but none of it to a named recipient. On a Form 990 that can mean grants abroad, filed by region only (Schedule F), grants under $5,000, which are not itemized, or a schedule referenced as an attachment the e-file does not carry. The figures above are therefore from FY2024, the most recent year this funder named its grantees.

    Source object · view filing

    Play a game based on Inclusiv’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