· Private foundation
Northern Bank & Trust Charitable Foundation Inc
Its FY2025 filing reports that it accepted unsolicited grant applications.
What you funded, over time
Every grant placed by its stated purpose and the recipient’s mission, by year — across FY2020–2025.
Where the money goes
Your grants by size, and where they go.
By grant size · FY2025
- Under $10k30 grants · $120k
- $10k–50k31 grants · $451k
- $50k–250k2 grants · $150k
- $250k+1 grant · $250k
| Recipient | Amount |
|---|---|
| Heading Home Inc | $250,000 |
| Nashoba Learning Group | $90,000 |
| Boys and Girls Clubs of Woburn | $60,000 |
| Dunkin Joy in Childhood Foundation | $40,000 |
| Boys and Girls Clubs of Grtr Lowell | $30,000 |
| Merrimack Valley Housing Partnership Inc | $30,000 |
| National Brain Tumor Society | $25,000 |
| Cradles to Crayons | $20,000 |
| Junior Achievement of Grtr Boston | $20,000 |
| Foundation To be Named Later | $15,000 |
| Community Teamwork Inc | $15,000 |
| Birthday Wishes | $15,000 |
| Habitat for Humanity North Central Massachusetts | $15,000 |
| YMCA of Greater Boston | $15,000 |
| Lowell Transitional Living Center | $13,000 |
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 (FY20–25, $458k) land where the poverty rate runs at 9%, against an area that typically sits at 7%. 97% 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 +28% since the first grant, against +11% for the ones you funded once.
52 repeat relationships — 37 still active in FY2025, 15 since wound down; 27 grantees were first funded in FY2025 (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 FY2025, 72% of grant dollars renewed an existing relationship; $274k 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
- HHHEADING HOME INC6× · 2020–2025 · $1.4M · revenue +255%
- NLNASHOBA LEARNING GROUP INC6× · 2020–2025 · $251k · revenue +50%
- NBNATIONAL BRAIN TUMOR SOCIETY INC5× · 2020–2025 · $150k · revenue +48%
Funded once
- BGBoys Girls Clubs of Woburnone grant, 2024 · $60k
- IGIndividual grant recipientone grant, 2020 · $15k
- FCFirst Congregational Churchone grant, 2022 · $13k
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.
Meet the workforce needs of employers and support economic development in greater new bedford.
Maha breaks down barriers facing first-time and first-generation home buyers and owners through education, counseling, advocacy, and grassroots organizing.
Massachusetts education and career opportunities, inc. (massedco, inc.) is a statewide network of service sites that provides education and career advising to over 12,000 low-income, first generation individuals each year. massedco…
Mfhc is committed to ending systemic housing discrimination and creating inclusive communities through education, outreach, advocacy, housing counseling and enforcement.
Sojourner house is a shelter of hope for families;providing a circle of support and empowering them towards independence.
Mhic's mission is to be an innovative private financier of afforable housing and community development throughout new england, providing financing that would not otherwise be available, and extending the impact of that financing to ensure…
Brookview's mission is to help homeless and at risk families learn the skills necessary to break the cycle of homelessness and poverty.
Our mission is to mobilize people, partnerships and resources to catalyze change that strengthens the communities served.
The Organization's mission is to build pathways that help individuals pursue their goals through employment, career development, and community support programs.
For reference, the grantee most central to the portfolio’s shape is South Middlesex Opportunity Council Inc and the most unlike its peers is Noahs Way Incorporated. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
For each theme you fund, this compares how the sector’s money is shifting with how your own giving is shifting.
Sector change and giving change are each shown relative to their own range, growing (right) or shrinking (left); both normalized, so inflation isn’t mistaken for growth.
Your grantees are a median of 30 years old; the field is 17. You back the established end — and your money leans older still.
The field is 20% startups (under 5 years old) — 6% of your grantees by number, and just 1% of your money.
The orgs you fund almost never close — 1% lost their exemption, against 10% of the field you don’t fund.
Age = years since IRS exemption (a founding proxy). “Closed” = auto-revocation for 3 years of non-filing — a floor on closure, not proof, and bigger established orgs lapse least. Association, not causation.
80 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. 80 of the 115 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 HEADING HOME INC ↗
- Who funds NASHOBA LEARNING GROUP INC ↗
- Who funds NATIONAL BRAIN TUMOR SOCIETY INC ↗
- Who funds Ron Burton Training Village Inc ↗
- Who funds Joy In Childhood Foundation Inc ↗
- Who funds Woburn Council of Social Concern Inc ↗
- Who funds YOUNG MEN'S CHRISTIAN ASSOCIATION OF GREATER BOSTON INC ↗
- Who funds BOYS & GIRLS CLUB OF GREATER BILLERICA INC ↗
- Who funds MINUTEMAN SENIOR SERVICES INC ↗
- Who funds Mission of Deeds Inc ↗
- Who funds HABITAT FOR HUMANITY NORTH CENTRAL MASSACHUSETTS INC ↗
- Who funds SUDBURY COMMUNITY FOOD PANTRY ↗
- Who funds CRADLES TO CRAYONS INC ↗
- Who funds Community Teamwork Inc ↗
- Who funds MYSTIC VALLEY AGING SERVICES INC ↗
- Who funds RISE ABOVE FOUNDATION INC ↗
- Who funds JUNIOR ACHIEVEMENT OF GREATER BOSTON INC ↗
- Who funds PEOPLE HELPING PEOPLE INC ↗
- Who funds Merrimack Valley Housing Partnership Inc ↗
- Who funds RAR-MA INC ↗
- Who funds Birthday Wishes Inc ↗
- Who funds HABITAT FOR HUMANITY OF GREATER LOWELL INC ↗
- Who funds WOBURN HOST LIONS CHARITIES INC ↗
- Who funds THE CONCORD EDUCATION FUND INC ↗
- Who funds JUST-A-START CORPORATION ↗
- Who funds Second Chances Inc ↗
- Who funds JOSLIN DIABETES CENTER INC ↗
- Who funds NUPATH INC ↗
- Who funds CHESTERBROOK COMMUNITY FOUNDATION INC ↗
- Who funds HOUSEHOLD GOODS INC ↗
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: Cummings Foundation Grants Inc (Fka Oneworld Boston Inc) · Eastern Bank Foundation · Cambridge Savings Charitable Foundation Inc · Salem Five Charitable Foundation Inc · Massachusetts Bankers Association Charitable Foundation Inc · Middlesex Savings Charitable Foundation Inc · Agnes M Lindsay Trust · Rockland Trust Charitable Foundation Inc · American Tower Corporation Foundation Inc · Greater Lowell Community Foundation Inc · Community Foundation for MetroWest Inc · Boston Foundation Inc
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 Northern Bank & Trust Charitable Foundation Inc 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.
- Nupath Inc — 84% of income from government
- Operation Able of Greater Boston Inc — 81% of income from government
- Minuteman Senior Services Inc — 73% of income from government
- Vietnam Veterans Workshop Inc Dba New England Center and Home for Veterans — 66% of income from government
- Central Boston Elder Services Inc — 47% of income from government
- Joslin Diabetes Center Inc — 35% of income from government
- Community Teamwork Inc — 23% of income from government
- Greater Boston Food Bank Inc — 22% of income from government
- South Middlesex Opportunity Council Inc — 18% of income from government
- Heading Home Inc — 17% of income from government
- Just-a-Start Corporation — 16% of income from government
- Kids in Tech Inc — 15% of income from government
- Nashoba Learning Group Inc — 14% of income from government
- Rise Above Foundation Inc — 14% of income from government
- Boys and Girls Club of Stoneham Inc — 10% of income from government
- Lawrence Communityworks Inc — 9% of income from government
- President and Fellows of Harvard College — 7% of income from government
- Bread of Life Inc — 6% of income from government
- Community Coalition of Melrose Inc — 4% of income from government
- Merrimack Valley Food Bank Inc — 3% of income from government
- Girls Incorporated of Greater Lowell — 3% of income from government
- Cradles to Crayons Inc — 2% of income from government
- Breakthrough Greater Boston Inc — 2% of income from government
- Boys and Girls Clubs of Metrowest Inc — 2% of income from government
- Women's Money Matters Inc — 1% of income from government
- Hope and Comfort Inc — 1% of income from government
- Lazarus House Inc — 1% of income from government
- The Food Drive Inc — 1% of income from government
- Pan-Massachusetts Challenge Inc — 0% 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.
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