· Public charity
Metro Credit Union
METRO CREDIT UNION provides loan and deposit products to members that assist them in meeting their financial needs.
What you funded, over time
Every grant placed by its stated purpose and the recipient’s mission, by year — across FY2019–2024.
Where the money goes
Your grants by size, and where they go.
The 10 grants below total $217,219 — the rows itemised in this filing. The $322,106 headline is the total grant expense reported on the return, so the remaining $104,887 is giving the schedule does not break out: grants under the $5,000 itemisation floor, grants to individuals, and grants reported on other schedules. Every figure below describes the itemised rows only.
By grant size · FY2024
- Under $10k4 grants · $31k
- $10k–50k5 grants · $80k
- $50k–250k1 grant · $106k
| Recipient | Amount |
|---|---|
| METRO CREDIT UNION FOUNDATION INC | $106,100 |
| THE CITY OF BOSTON | $29,040 |
| COOPERATIVE CU ASSOCIATION | $19,964 |
| GREATER BOSTON ASSOCIATION OF REALTORS | $11,250 |
| TRUSTEES OF BOSTON UNIVERSITY | $10,100 |
| THE NEIGHBORHOOD DEVELOPERS INC | $10,000 |
| SECOND CHANCE CARS | $9,238 |
| BANZAI INC | $8,777 |
| COMMUNITY IMPACT FUND | $7,000 |
| MASSACHUSETTS COALITION FOR THE HOMELESS | $5,750 |
Do your dollars go where the need is?
Each grant placed by the hardship in its grantee’s ZIP, then read against the area’s typical level.
Your human-services grants (FY19–24, $84k) land where the poverty rate runs at 14%, against an area that typically sits at 7%. 100% of those dollars go to grantees based in above-average-need neighborhoods. Most of your grants land in higher-need ZIPs.
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty linein the grantee’s ZIP, averaged from the tracts in that ZIP; grantee ZIP can differ from where services are delivered.
US grants placed by each grantee’s ZIP, which can differ from where services are actually delivered. Need from public data — U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA — shown as context about the area, never attributed to your giving.
Who you back again
Which organizations you funded more than once, and which you funded a single time. Each grantee is matched to its own filings.
And the relationships you keep tend to grow: grantees you re-up on have seen median revenue of +48% since the first grant, against +34% for the ones you funded once.
13 repeat relationships — 8 still active in FY2024, 5 since wound down; 2 grantees were first funded in FY2024 (too recent to call).
How the two cohorts compare
Organizations
Total granted
Median revenue growth · since first grant
Still filing today
New vs renewed · share of each year
In FY2024, 93% of grant dollars renewed an existing relationship; $16k went to new ones.
Where new relationships form · theme of each grantee’s first grant
First-time = a grantee’s first year in your filing window; renewed = funded in an earlier year too. As a portfolio matures the renewed share naturally climbs — once funded, an org stays “renewable” — so the signal is the years that buck it (a new-grantee intake wave). 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
- NCNATIONAL CREDIT UNION FOUNDATION4× · 2019–2023 · $91k · revenue +28%
- CCCOOPERATIVE CREDIT UNION ASSOCIATION INC3× · 2022–2024 · $52k · revenue +12%
- TNTHE NEIGHBORHOOD DEVELOPERS INC5× · 2019–2024 · $50k · revenue +160%
Funded once
- HIHARBORCOV INCgraduatedone grant, 2019 · $29k · revenue +82%
- SSSOUTH SHORE REALTORS INCone grant, 2023 · $10k · revenue -13%
- OSOLD SCHOOL SPORTS GROUP LLCone grant, 2023 · $10k
Repeat = funded in two or more distinct years; growth and survival are read from each grantee’s own subsequent IRS filings.
The map has a center of gravity: the average direction from the rest of the sector toward the organizations the foundation funds — the shape of its giving. Scoring every nonprofit along that direction surfaces the ones that look most like the portfolio. These are the closest matchesthat aren’t grantees — a resemblance in what they say they do, not a recommendation.
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Community financial credit union is a state chartered, not-for-profit, full-service financial institution owned and governed by its membership. at community financial, we are committed to our members and our communities,for over 70 years.…
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For reference, the grantee most central to the portfolio’s shape is Massachusetts Coalition for the Homeless Inc and the most unlike its peers is America's Credit Union Museum Foundation. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
16 grantees tracked through their own filings, 2017–2025.
Each one resolved to its own IRS returns and tracked year by year — your grant beside their revenue from every source. Association, dated; never a causal claim.
Counted here: distinct organizations you funded across 2017–2025, not grant rows in a single year — so this will not match the grant count on the cover. 16 of the 19 grantees resolved in that span have returns of their own we could reconcile; the rest are funded organizations whose filings we could not track year by year.
Where your money sits — by cause, then by grantee
Each org by its size and your share of it — top-left is where you’re load-bearing
Go grantee by grantee — a decade per org, and how each moved after you funded them
A decade per grantee — revenue shaded, your grants as bars, all rows on one timeline.
- Who funds METRO CREDIT UNION FOUNDATION INC ↗
- Who funds NATIONAL CREDIT UNION FOUNDATION ↗
- Who funds COOPERATIVE CREDIT UNION ASSOCIATION INC ↗
- Who funds THE NEIGHBORHOOD DEVELOPERS INC ↗
- Who funds Greater Boston Real Estate Board ↗
- Who funds TRUSTEES OF BOSTON UNIVERSITY ↗
- Who funds INVERSANT INC ↗
- Who funds LA COLABORATIVA INC ↗
- Who funds HARBORCOV INC ↗
- Who funds AMERICA'S CREDIT UNION MUSEUM FOUNDATION ↗
- Who funds INITIATIVE FOR A COMPETITIVE INNER CITY INC ↗
- Who funds MASSACHUSETTS COALITION FOR THE HOMELESS INC ↗
- Who funds SOUTH SHORE REALTORS INC ↗
- Who funds FILENE RESEARCH INSTITUTE INC ↗
- Who funds SECOND CHANCE CARS INC ↗
- Who funds The Community Impact Fund ↗
The grantmakers whose grantees overlap with yours far more than size alone predicts. Each orbits closer the stronger the alignment; the arcs between them show where they also fund each other. Here it reads as a tightly interlocked camp — most of these funders back each other's grantees too.
Open a dossier: Eastern Bank Foundation · Boston Foundation Inc · George H & Jane a Mifflin Memorial Fund · Cummings Foundation Grants Inc (Fka Oneworld Boston Inc) · American Online Giving Foundation Inc · Fidelity Investments Charitable Gift Fund · Amazonsmile Foundation
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. A research starting point: overlap is association, not proof of shared intent.
Government reliance of your grantees
Every dot is one organization Metro Credit Union funds. Left–right is the share of its income from government; up–down is the share from you. Bigger dots raise more. Filter to federal, a single department, or state — and drag the year to watch it move.
- Harborcov Inc — 76% of income from government
- La Colaborativa Inc — 34% of income from government
- Trustees of Boston University — 12% of income from government
- The Neighborhood Developers Inc — 3% of income from government
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 your grant caused the public funding. Coverage is precision-first — a floor, not 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 12–24 months.