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Metro Credit Union at a glanceAlso receives grants: funding profile →

· Public charity

Metro Credit Union

METRO CREDIT UNION provides loan and deposit products to members that assist them in meeting their financial needs.

$322k
Granted FY2024still arriving
10
Grants FY2024still arriving
3
States reached
$106k
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 2024.

Philanthropy$327kCommunity Improvement$136kHousing & Shelter$128kPublic Benefit$76kEducation$50kRecreation & Sports$29kYouth Development$26kArts & Culture$20kOther$0
02FY2024 · 10 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 10 grants below total $217,219, the rows itemized in this filing. The $322,106 headline is the total grant expense on the return; the other $104,887 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 $10k4 grants · $31k
  • $10k–50k5 grants · $80k
  • $50k–250k1 grant · $106k
$10,100
Median grant
3
States reached
$3.4B
Total assets
Largest grants
RecipientAmount
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
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, $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 its grants land in higher-need ZIPs.

area typical 7%SECOND CHANCE CARS: $9k → 8%MA COALITION FOR THE HOMELESS: $10k → 10%MASSACHUSETTS COALITION FOR THE HOMELESS: $6k → 10%HARBORCOV: $29k → 16%CHELSEA COLLABORATIVE: $25k → 16%CHELSEA COLLABORATIVE: $5k → 16%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.

91%of every dollar goes to organizations it has funded before.
$726k · 13 repeat orgs$75k to everyone else

Grantees it renews have grown median revenue +48% since the first grant, against +34% for those 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

Re-uppedFunded once

Organizations

13
4

Total granted

$726k
$59k

Median revenue growth · since first grant

+48%
+34%

Still filing today

77%
75%

New vs renewed · share of each year

In FY2024, 93% of grant dollars renewed an existing relationship; $16k went to new ones.

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

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

’19’20’21’22’23’24
Human ServicesPhilanthropyHousing & ShelterPublic BenefitYouth DevelopmentOther
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

  • NC
    NATIONAL CREDIT UNION FOUNDATION
    4× · 2019–2023 · $91k · revenue +28%
  • CC
    COOPERATIVE CREDIT UNION ASSOCIATION INC
    3× · 2022–2024 · $52k · revenue +12%
  • TN
    THE NEIGHBORHOOD DEVELOPERS INC
    5× · 2019–2024 · $50k · revenue +160%

Funded once

  • HI
    HARBORCOV INCgraduated
    one grant, 2019 · $29k · revenue +82%
  • SS
    SOUTH SHORE REALTORS INC
    one grant, 2023 · $10k · revenue -11%
  • OS
    OLD SCHOOL SPORTS GROUP LLC
    one grant, 2023 · $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
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
California Coast Credit Union

California coast credit union (credit union) is a cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest set by the board of directors, and…

—
3
Neighbors Credit Union

Providing awesome member experiences through innovative products, superior service and trusted advice, while strengthening our community with financial education. we are dedicated to the success of our members and employees to ensure we…

—
4
Community First Credit Union of Florida

Community first credit union of florida's mission is to provide the highest in quality financial solutions for every stage of life.

—
5
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.

—
6
Community Financial Credit Union

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.…

—
7
First Credit Union

Non-profit cooperative that provides banking and other financial services to its members.

—
8
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.

—
9
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.

—
10
Counselors of Real Estate

Cre was established exclusively for real estate advisors who provide intelligent, unbiased, and trusted advice for a client or employer. the purpose of the organization is to serve as an information resource and to provide its members with…

Community Improvement
11
Superior Credit Union Inc

We promise to simplify your life. we promise to work in your best interest. we promise to help you build your financial future. we promise to provide products and services relevant to your needs. we promise to protect your privacy.

Arts & Culture
12
Chicago Municipal Employee's Credit Union

To give members the ability to control their financial destiny by providing members with the means to satisfy their needs for financial services in a comfortable family-like environment. in doing so, the credit union strives to maintain…

—
How this is measured
The grantee most central to the portfolio’s shape is Massachusetts Coalition for the Homeless Inc; 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.
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 19 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)
5
Early backer (in before they grew)
15/16
Grantees still filing
11/16
Grew since first funded

Where the money sits, by cause and then by grantee

NATIONAL CREDIT UNION FOUNDATION: $91,250 · OtherNATIONAL CREDIT UNION FOUNDATIONTHE CITY OF BOSTON: $65,515 · OtherTHE CITY OF BOSTONCOOPERATIVE CREDIT UNION ASSOCIATION INC: $52,352 · OtherCOOPERATIVE CREDIT UNION ASSOCIATION INCGreater Boston Real Estate Board: $49,750 · OtherGreater Boston Real Estate BoardTRUSTEES OF BOSTON UNIVERSITY: $38,957 · OtherTRUSTEES OF BOSTON UNIVERSITYBANZAI INC: $26,330 · OtherBANZAI INCAMERICA'S CREDIT UNION MUSEUM FOUNDATION: $20,000 · OtherAMERICA'S CREDIT UNION MUSEUM FOUNDATION+2 more: $20,000 · Other+2 moreMETRO CREDIT UNION FOUNDATION INC: $236,100 · PhilanthropyMETRO CREDIT UNION FOUNDATION INC+1 more: $7,000 · PhilanthropyLA COLABORATIVA INC: $30,000 · Human ServicesLA COLABORA…HARBORCOV INC: $29,000 · Human ServicesHARBORCOV I…MASSACHUSETTS COALITION FOR THE HOMELESS INC: $15,750 · Human ServicesMASSACHUSET…SECOND CHANCE CARS INC: $9,238 · Human ServicesSECOND CHAN…THE NEIGHBORHOOD DEVELOPERS INC: $50,000 · Housing & ShelterTHE NEIGH…INITIATIVE FOR A COMPETITIVE INNER CITY INC: $20,000 · Housing & ShelterINITIATIV…INVERSANT INC: $30,000 · Youth DevelopmentFILENE RESEARCH INSTITUTE INC: $10,000 · Public Benefit
Other$364,154Philanthropy$243,100Human Services$83,988Housing & Shelter$70,000Youth Development$30,000Public Benefit$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$10M$100Mgrantee revenue →↑ funder's share of their budgetMETRO CREDIT UNION FOUNDATION INC: $236,100 over 2y, 100% of budgetNATIONAL CREDIT UNION FOUNDATION: $91,250 over 4y, 0.9% of budgetCOOPERATIVE CREDIT UNION ASSOCIATION INC: $52,352 over 3y, 0.3% of budgetTHE NEIGHBORHOOD DEVELOPERS INC: $50,000 over 5y, 0.2% of budgetGreater Boston Real Estate Board: $49,750 over 4y, 0.2% of budgetTRUSTEES OF BOSTON UNIVERSITY: $38,957 over 3y, 0.0% of budgetLA COLABORATIVA INC: $30,000 over 2y, 2.1% of budgetINVERSANT INC: $30,000 over 3y, 1.4% of budgetHARBORCOV INC: $29,000 over 1y, 1.4% of budgetAMERICA'S CREDIT UNION MUSEUM FOUNDATION: $20,000 over 2y, 5.5% of budgetINITIATIVE FOR A COMPETITIVE INNER CITY INC: $20,000 over 3y, 0.1% of budgetMASSACHUSETTS COALITION FOR THE HOMELESS INC: $15,750 over 2y, 0.6% of budgetSOUTH SHORE REALTORS INC: $10,000 over 1y, 1.0% of budgetFILENE RESEARCH INSTITUTE INC: $10,000 over 1y, 0.1% of budgetSECOND CHANCE CARS INC: $9,238 over 1y, 3.0% of budgetThe Community Impact Fund: $7,000 over 1y, 0.3% 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.

Eastern Bank Foundati…Boston Foundation IncGeorge H & Jane a Mif…Cummings Foundation G…American Online Givin…Fidelity Investments …Amazonsmile Foundation
Eastern Bank FoundationMA14.6× affinity5 shared granteesties to 6 of 6Hover any node to trace its alignments.Compare side by side →

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

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

2024
’20’21’22’23’24’25
no gov · 60%6%25%56%100%funder's share of their income ↑0%23%45%68%90%share of the org’s income from government →median 34%
  • 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
no gov moneyreceives it· size = income
6get no government money at all
2report government grants on their 990 we could not trace to a source (not plotted)
1rely on government for over half their income
⤢ axis zoomed · 0–90%
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 19 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