Skip to content
Members Cooperative Credit Union at a glance

· Public charity

Members Cooperative Credit Union

To make our communities stronger, our employees happier, and our world better.

$179k
Granted FY2025still arriving
5
Grants FY2025still arriving
1
States reached
$60k
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, FY2017 to 2024.

Health$290kRecreation & Sports$240kCommunity Improvement$115kArts & Culture$87kScience & Tech$23kYouth Development$21kEducation$10k
02FY2025 · 5 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 5 grants below total $99,000, the rows itemized in this filing. The $178,766 headline is the total grant expense on the return; the other $79,766 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 · FY2025

  • Under $10k1 grant · $8k
  • $10k–50k3 grants · $32k
  • $50k–250k1 grant · $60k
$10,000
Median grant
1
States reached
$1.2B
Total assets
Largest grants
RecipientAmount
GRANDMAS MARATHON$60,000
UNIVERSITY OF MINNESOTA REGENTS$11,500
ONE ROOF COMMUNITY HOUSING$10,000
MINNESOTA CREDIT UNION NETWORK$10,000
DULUTH AIR SHOW$7,500
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 (FY17–25) land where the poverty rate runs at 14%, against an area that typically sits at 11%. 88% of its dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 11%THE MERCY FOUNDATION: $20k → 10%MINNESOTA CREDIT UNION NETWORK: $40k → 14%ENTREPRENEUER FUND: $25k → 15%BONG P-38 FUND INC: $15k → 11%CLOQUET SHAW MEMORIAL PUBLIC LIBRARY FOUNDATION INC: $10k → 10%MINNESOTA CREDIT UNION NETWORK: $10k → 14%ENTREPRENEUR FUND: $25k → 15%THER MERCY FOUNDATION: $10k → 10%ENTREPRENEUR FUND: $25k → 15%ESSENTIA HEALTH FOUNDATION: $20k → 15%DULUTH CHILDREN'S MUSEUM: $12k → 15%MCCU COMMUNITY YOUTH FOUNDATION: $11k → 15%MCCU COMMUNITY YOUTH FOUNDATION: $10k → 15%DULUTH AIR SHOW: $15k → 15%DULUTH AIR SHOW: $15k → 15%DULUTH AIRSHOW: $15k → 15%DULUTH AIR SHOW: $15k → 15%DULUTH AIRSHOW: $15k → 15%ONE ROOF COMMUNITY HOUSING: $10k → 15%DULUTH AIR SHOW: $8k → 15%DULUTH AIR SHOW: $8k → 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.

94%of every dollar goes to organizations it has funded before.
$833k · 8 repeat orgs$52k to everyone else

Grantees it renews have grown median revenue +44% since the first grant, against +29% for those funded once.

8 repeat relationships: 4 still active in FY2025, 4 since wound down; 1 grantees were first funded in FY2025 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

8
3

Total granted

$833k
$42k

Median revenue growth · since first grant

+44%
+29%

Still filing today

63%
67%

New vs renewed · share of each year

In FY2025, 90% of grant dollars renewed an existing relationship; $10k went to new ones.

50%100%’17’18’19’20’21’22’23’24’25
RenewedFirst-time

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

’17’18’19’20’21’22’23’24’25
Science & TechHealthArts & CultureHousing & 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

  • GM
    GRANDMA'S MARATHON-DULUTH INC
    8× · 2017–2025 · $480k · revenue +44%
  • BP
    BONG P-38 FUND INC
    5× · 2017–2022 · $75k · revenue +65%
  • NE
    NORTHEAST ENTREPRENEUR FUND INC
    3× · 2019–2021 · $75k · revenue +324%

Funded once

  • EH
    ESSENTIA HEALTH FOUNDATIONgraduated
    one grant, 2020 · $20k · revenue +29%
  • DC
    DULUTH CHILDREN'S MUSEUM INCgraduated
    one grant, 2020 · $12k · revenue +67%
  • CS
    CLOQUET SHAW MEMORIAL PUBLIC LIBRARY FOUNDATION INC
    one grant, 2020 · $10k
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
Minnesota Medical Association

To be the leading voice of medicine to make minnesota the healthiest state and the best place to practice.

—
2
Minnesota Business Partnership

The minnesota business partnership's mission is to maintain a high quality of life for all minnesotans by ensuring that the state's economy remains strong, globally competitive and its prospects for growth bright by working with elected…

—
3
Minnesota Council on Foundations

MCF is a vibrant philanthropic community connecting, strengthening and mobilizing the power of philanthropy to advance prosperity and equity.

—
4
Duluth Library Foundation

The duluth library foundation champions the duluth public library and works to increase its capacity to serve the region.

Education
5
Minnesota Hospital Foundation

The minnesota hospital foundation works on strategies that include data-led quality and safety improvement, education, research, training and leadership to improve the health of minnesotans.

—
6
University of Minnesota Foundation

A non-profit organization with the sole purpose of supporting the university of minnesota with a mission to connect passion with possibility, inspire generosity, and support greatness at the university of minnesota.

Education
7
Northland Foundation

The northland foundation supports northeastern minnesota people and communities working toward a future where everyone feels they belong and can thrive.

Philanthropy
8
Minnesota Hospital Association

Advance the health of individuals and communities through leadership, advocacy and collaboration on behalf of minnesota hospitals and health systems. vision: minnesotans are healthy and have access to the right care at the right time in…

Community Improvement
9
Minnesota Retailers Association

To ensure collective success across minnesota by continually advancing retail, encompassing retailers, partners, employees, consumers, and policymakers.

—
10
Minnesota State Fair Foundation

The minnesota state fair foundation's mission is to preserve and improve the historic minnesota state fairgrounds and support state fair programs and projects in agriculture, arts & culture, education, the environment, and history.

Philanthropy
11
Mn Community Measurement

Mn community measurement empowers stakeholders with meaningful information to drive improvement.

Health
12
Minneapolis Regional Chamber of Commerce

Creating powerful advocacy to enhance economic vitality in the minneapolis-st. paul region.

—
How this is measured
The grantee most central to the portfolio’s shape is Essentia Health Foundation; the most unlike its peers is Cloquet Shaw Memorial Public Library 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

10 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. 10 of the 12 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)
4
Early backer (in before they grew)
8/10
Grantees still filing
7/10
Grew since first funded

Where the money sits, by cause and then by grantee

GRANDMA'S MARATHON-DULUTH INC: $480,000 · OtherGRANDMA'S MARATHON-DULUTH INCBONG P-38 FUND INC: $75,000 · OtherBONG P-38 FUND INCNORTHEAST ENTREPRENEUR FUND INC: $75,000 · OtherNORTHEAST ENTREPRENEUR FUND INCUNIVERSITY OF MINNESOTA: $71,500 · OtherUNIVERSITY OF MINNESOTAMINNESOTA CREDIT UNION NETWORK: $50,000 · OtherMINNESOTA CREDIT UNION NETWORKMERCY HOSPITAL FOUNDATION: $30,000 · Other+2 more: $31,000 · OtherMINNESOTA A-A-E: $30,000 · Science & TechESSENTIA HEALTH FOUNDATION: $20,000 · HealthDULUTH CHILDREN'S MUSEUM INC: $12,000 · Arts & CultureONE ROOF COMMUNITY HOUSING: $10,000 · Housing & Shelter
Other$812,500Science & Tech$30,000Health$20,000Arts & Culture$12,000Housing & Shelter$10,000

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 budgetGRANDMA'S MARATHON-DULUTH INC: $480,000 over 8y, 2.6% of budgetBONG P-38 FUND INC: $75,000 over 5y, 3.3% of budgetNORTHEAST ENTREPRENEUR FUND INC: $75,000 over 3y, 0.5% of budgetMINNESOTA CREDIT UNION NETWORK: $50,000 over 2y, 1.6% of budgetMERCY HOSPITAL FOUNDATION: $30,000 over 2y, 34% of budgetMINNESOTA A-A-E: $30,000 over 3y, 1.1% of budgetESSENTIA HEALTH FOUNDATION: $20,000 over 1y, 0.4% of budgetDULUTH CHILDREN'S MUSEUM INC: $12,000 over 1y, 3.2% 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 set of overlaps that mostly run through this funder rather than between each other.

Duluth-Superior Area …
Duluth-Superior Area Community FoundationMN13.5× affinity4 shared granteesties to 0 of 0Hover any node to trace its alignments.Compare side by side →

Open a dossier: Duluth-Superior Area Community 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 Members Cooperative Credit Union funds: left to right is the share of its income from government, bottom to top the share from Members Cooperative Credit Union. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%3%10%23%40%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
    2report 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 Members Cooperative Credit Union?

    Find your warmest path to Members Cooperative 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 12 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 Members Cooperative 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