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

· Public charity

Monterra Credit Union

Passionately deliver relevant products, services, and education tailored to help our members, employees, and communities achieve their financial goals.

$126k
Granted FY2024still arriving
8
Grants FY2024still arriving
2
States reached
$21k
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.

Arts & Culture$91kPhilanthropy$80kHealth$79kCommunity Improvement$66kEducation$64kCrime & Legal$52kPublic Safety & Disaster$40kRecreation & Sports$26kOther$0
02FY2024 · 8 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 8 grants below total $73,890, the rows itemized in this filing. The $125,660 headline is the total grant expense on the return; the other $51,770 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 · $41k
  • $10k–50k2 grants · $33k
$8,000
Median grant
2
States reached
$1.8B
Total assets
Largest grants
RecipientAmount
SAN MATEO COUNTY HISTORICAL ASSOCIATION$20,640
CHILDREN'S MIRACLE NETWORK HOSPITALS$12,500
CHAMBER SAN MATEO COUNTY$8,000
REDWOOD CITY PARKS AND ARTS FOUNDATION$8,000
SAMCEDA$7,000
REDWOOD CITY SEQUOIA AWARDS INC$6,750
HIP HOUSING$5,500
KAINOS HOME & TRAINING CENTER$5,500
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:

Its human-services grants (FY19–24, $17k) land where the poverty rate runs at 7%, against an area that typically sits at 9%. 0% of those dollars go to grantees based in above-average-need neighborhoods. Its grants skew toward lower-need ZIPs.

area typical 9%KAINOS HOME & TRAINING CENTER: $6k → 7%KAINOS HOME & TRAINING CENTER: $6k → 7%KAINOS HOME & TRAINING CENTER: $5k → 7%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.
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 5% of Monterra Credit Union’s grant dollars are earmarked for a different county than the recipient’s own address. By recipient address, 74% of the giving stays in CA; by stated purpose, 70%.

Monterra Credit Unionlessmore of its giving
Placed by recipient address · 3.7% directed abroad (not shown)
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.

86%of every dollar goes to organizations it has funded before.
$468k · 10 repeat orgs$77k to everyone else

Grantees it renews have grown median revenue +31% since the first grant, against -41% for those funded once.

10 repeat relationships: 7 still active in FY2024, 3 since wound down; 1 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

10
5

Total granted

$468k
$71k

Median revenue growth · since first grant

+31%
-41%

Still filing today

90%
100%

New vs renewed · share of each year

In FY2024, 93% of grant dollars renewed an existing relationship; $6k went to new ones.

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

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

’17’19’20’21’22’23’24
Crime & LegalPhilanthropyCommunity ImprovementHuman ServicesYouth DevelopmentEducationOther
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

  • SM
    SAN MATEO COUNTY HISTORICAL ASSOCIATION
    7× · 2017–2024 · $81k · revenue +203%
  • CM
    CHILDREN'S MIRACLE NETWORK
    7× · 2017–2024 · $79k · revenue +31%
  • RC
    Redwood City Police Activities League Inc
    7× · 2017–2023 · $63k · revenue +359%

Funded once

  • RC
    REDWOOD CREDIT UNION COMMUNITY FUND INC
    one grant, 2017 · $20k · revenue -96%
  • MC
    MONTERRA COMMUNITY FUND
    one grant, 2020 · $20k · revenue -100%
  • SM
    San Mateo County Community Colleges Foundationgraduated
    one grant, 2022 · $16k · revenue +121%
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
Redwood Credit Union

Passionately serving the best interests of our members, employees, and communities. serving all of our members financial service needs.

—
2
Monterra Credit Union

Passionately deliver relevant products, services, and education tailored to help our members, employees, and communities achieve their financial goals.

Public Benefit
3
Community Foundation Santa Cruz County

To promote philanthropy to make santa cruz county a better place to live, now and in the future.we bring together people, ideas, and resources to inspire philanthropy and accomplish great things.

Philanthropy
4
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.

—
5
Solano Community Foundation

The Solano Community Foundation strengthens Solano County by advancing equity, supporting nonprofit resilience, and expanding access to philanthropy. We serve as a community leader, responsive grantmaker, and trusted partner for donors who…

Philanthropy
6
Monterey County Film Commission

To inspire and facilitate film and media production throughout monterey county, creating positive economic impact.

Arts & Culture
7
Stanislaus Community Foundation

The vision of Stanislaus Community Foundation is that Stanislaus County is a community of choice where people live, work and thrive. To achieve this vision, Stanislaus Community Foundation's mission is to steward charitable resources and…

Philanthropy
8
SFMade Inc

Our mission is to help manufacturers thrive, innovate, and create good jobs, for a more diverse and sustainable Bay Area.

Community Improvement
9
Ucsf Foundation Investment Company

The organization provides professional investment management services for endowed gifts and financial assets entrusted to the ucsf foundation.

Education
10
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…

—
11
Los Altos Chamber of Commerce

To encourage and promote businesses and to stimulate a vibrant economy in los altos and los altos hills.

—
12
League of California Community Foundations

The league of california community foundations promotes and strengthens community foundations in california. through collaboration and shared learning among member foundations and building partnerships with private and public entities, we…

Philanthropy
How this is measured
The grantee most central to the portfolio’s shape is San Mateo County Economic Development Association Incorporated; the most unlike its peers is Fox Theater Foundation. 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

16 grantees tracked through their own filings, 2017–2026.

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 2026, not grant rows in a single year, so this will not match the grant count on the cover.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

0
Load-bearing (≥25% of a budget)
4
Early backer (in before they grew)
16/16
Grantees still filing
8/16
Grew since first funded

Where the money sits, by cause and then by grantee

SAN MATEO COUNTY HISTORICAL ASSOCIATION: $81,390 · OtherSAN MATEO COUNTY HISTORICAL ASSOCIATIONNATIONAL CREDIT UNION FOUNDATION: $80,000 · OtherNATIONAL CREDIT UNION FOUNDATIONCHILDREN'S MIRACLE NETWORK: $79,450 · OtherCHILDREN'S MIRACLE NETWORKCHAMBER SAN MATEO COUNTY: $51,240 · OtherCHAMBER SAN MATEO COUNTYREDWOOD CITY SEQUOIA AWARDS INC: $47,250 · OtherREDWOOD CITY SEQUOIA AWARDS INCCity of Redwood City: $20,000 · OtherSAN MATEO COUNTY ECONOMIC DEVELOPMENT ASSOCIATION INCORPORATED: $14,514 · Other+3 more: $20,500 · OtherRedwood City Police Activities League Inc: $63,300 · Crime & LegalRedwood City …REDWOOD CREDIT UNION COMMUNITY FUND INC: $20,000 · PhilanthropyMONTERRA COMMUNITY FUND: $20,000 · Community ImprovementKainos Home and Training Center for the Developmentally Disabled: $16,500 · Human ServicesSan Mateo County Community Colleges Foundation: $16,300 · EducationREDWOOD CITY PARKS AND ARTS FOUNDATION: $14,750 · Recreation & Sports
Other$394,344Crime & Legal$63,300Philanthropy$20,000Community Improvement$20,000Human Services$16,500Education$16,300Recreation & Sports$14,750

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 budgetSAN MATEO COUNTY HISTORICAL ASSOCIATION: $81,390 over 7y, 0.5% of budgetNATIONAL CREDIT UNION FOUNDATION: $80,000 over 3y, 0.9% of budgetCHILDREN'S MIRACLE NETWORK: $79,450 over 7y, 0.1% of budgetRedwood City Police Activities League Inc: $63,300 over 7y, 1.9% of budgetCHAMBER SAN MATEO COUNTY: $51,240 over 7y, 0.8% of budgetREDWOOD CITY SEQUOIA AWARDS INC: $47,250 over 8y, 3.1% of budgetREDWOOD CREDIT UNION COMMUNITY FUND INC: $20,000 over 1y, 0.1% of budgetMONTERRA COMMUNITY FUND: $20,000 over 1y, 0.2% of budgetKainos Home and Training Center for the Developmentally Disabled: $16,500 over 3y, 0.1% of budgetSan Mateo County Community Colleges Foundation: $16,300 over 1y, 0.6% of budgetREDWOOD CITY PARKS AND ARTS FOUNDATION: $14,750 over 2y, 1.3% of budgetSAN MATEO COUNTY ECONOMIC DEVELOPMENT ASSOCIATION INCORPORATED: $14,514 over 2y, 0.8% of budgetFOX THEATER FOUNDATION: $10,000 over 1y, 2.9% of budgetHuman Investment Project Inc: $5,500 over 1y, 0.1% of budgetSAN MATEO COUNTY SHERIFFS ACTIVITIES LEAGUE: $5,000 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.

Atkinson FoundationPeter Uccelli Foundat…Provident Credit UnionSaga FoundationDanford FoundationSand Hill FoundationSilicon Valley Commun…American Online Givin…The Bank of America C…Donor Advised Charita…Fidelity Investments …Amazonsmile Foundation
Atkinson FoundationCA19.9× affinity7 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →

Open a dossier: Atkinson Foundation · Peter Uccelli Foundation · Provident Credit Union · Saga Foundation · Danford Foundation · Sand Hill Foundation · Silicon Valley Community Foundation · American Online Giving Foundation Inc · The Bank of America Charitable Foundation Inc · Donor Advised Charitable Giving 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 Monterra Credit Union funds: left to right is the share of its income from government, bottom to top the share from Monterra Credit Union. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%0%1%3%5%funder's share of their income ↑0%1%3%4%5%share of the org’s income from government →
    no gov moneyreceives it· size = income
    0get no government money at all
    6report government grants on their 990 we could not trace to a source (not plotted)
    0rely on government for over half their income
    ⤢ axis zoomed · 0–5%
    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 16 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