· Public charity
Polish National Credit Union
Pncu is a non-profit organization that is owned by the members.
What you funded, over time
Every grant placed by its stated purpose and the recipient’s mission, by year — across FY2019–2023.
Where the money goes
Your grants by size, and where they go.
The 9 grants below total $130,802 — the rows itemised in this filing. The $295,732 headline is the total grant expense reported on the return, so the remaining $164,930 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 · FY2023
- Under $10k4 grants · $28k
- $10k–50k5 grants · $103k
| Recipient | Amount |
|---|---|
| BOY'S & GIRL'S CLUB OF CHICOPEE | $37,700 |
| CHICOPEE CHAMBER OF COMMERCE | $26,280 |
| FRIENDS OF THE WILBRAHAM SENIORS INC | $15,000 |
| BOY'S & GIRL'S CLUB OF GREATER WESTFIELD | $13,700 |
| POLISH CENTER OF DISCOVERY & LEARNING | $10,042 |
| CHICOPEE PORTUGUESE AMERICAN CLUB | $7,980 |
| WESTOVER GALAXY COMMUNITY COUNCIL | $7,300 |
| CITY OF CHICOPEE | $7,000 |
| ERC5 | $5,800 |
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.
Dollar for dollar, your grants (FY19–23) land where the poverty rate runs at 16%, against an area that typically sits at 11%. 96% of your 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.
4 repeat relationships — 4 still active in FY2023, 0 since wound down; 5 grantees were first funded in FY2023 (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 FY2023, 62% of grant dollars renewed an existing relationship; $50k 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
- BGBOYS & GIRLS CLUB OF CHICOPEE INC4× · 2019–2024 · $65k · revenue +105%
- COCITY OF CHICOPEE6× · 2019–2024 · $53k
- GCGREATER CHICOPEE CHAMBER OF COMMERCE INC4× · 2020–2024 · $48k · revenue -19%
Funded once
THE FOOD BANK OF WESTERN MASSACHUSETTS INCone grant, 2021 · $25k · revenue +4%- DADAVID ALAN HOSPITALITY GROUPone grant, 2020 · $12k
- IGIndividual grant recipientone grant, 2019 · $12k
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.
The organization is dedicated to being the leading business organization in central massachusetts by providing valuable membership services and programs and events to its members and in advancing and advocating on behalf of economic…
To provide a significant unified voice in shaping the future growth of the business communities which it serves and to provide a vehicle through which individuals can work to improve the area's business climate and quality of life. A…
To promote public awareness of chinese culture and heritage. to enhance the well-being and social standing of chinese americans. to provide an environment for people to learn chinese culture, language and arts.
The club is established for the purpose of providing athletic exercises including golf, bowling, swimming, tennis, cross country skiing, and other out-of-door sports, and for the establishment and maintenance of facilities for the…
To strengthen the economy of greater holyoke by representing and involving the business community in public policy decisions affecting the business climate, by helping individual businesses prosper, and by creating a community environment…
To promote local businesses
The chamber is dedicated to promoting sound economic growth and opportunity for its membership and a strong quality of life for the community through leadership, education, information and advocacy.
Museum and research library for history of fitchburg, massachusetts
Preserve and promote history of Medfield
The Greater Westhampton Chamber of Commerce is organized for the purpose of advancing business relations, improving business, and working towards the success and improvemeent of the general economic and cultural welfare of the Incorporated…
To foster and improve the general economic conditions of the north central massacusetts area through promotional and educational efforts.
For reference, the grantee most central to the portfolio’s shape is Greater Chicopee Chamber of Commerce Inc and the most unlike its peers is Polish Center of Discovery and Learning. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
13 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. 13 of the 17 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 BOYS & GIRLS CLUB OF CHICOPEE INC ↗
- Who funds GREATER CHICOPEE CHAMBER OF COMMERCE INC ↗
- Who funds THE FOOD BANK OF WESTERN MASSACHUSETTS INC ↗
- Who funds POLISH CENTER OF DISCOVERY AND LEARNING ↗
- Who funds FRIENDS OF WILBRAHAM SENIORS INC ↗
- Who funds BOYS & GIRLS CLUB OF GREATER WESTFIELD INC ↗
- Who funds CHICOPEE PORTUGUESE AMERICAN C ↗
- Who funds Holyoke Medical Center Inc ↗
- Who funds GALAXY COMMUNITY COUNCIL ↗
- Who funds IRISH CULTURAL CENTER INC OF WESTERN NEW ENGLAND ↗
- Who funds EAST OF THE RIVER CHAMBER OF COMMERCE ↗
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: Community Foundation of Western Massachusetts · Easthampton Savings Bank Foundation Inc · The Beveridge Family Foundation · 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 Polish National 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.
- Holyoke Medical Center Inc — 17% of income from government
- Greater Chicopee Chamber of Commerce Inc — 3% of income from government
- Boys & Girls Club of Chicopee Inc — 2% 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.
Warm introductions · Powered by PlinthPlus
How do I get to Polish National Credit Union?
Find your warmest path to Polish National 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.