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Polish National Credit Union at a glance

· Public charity

Polish National Credit Union

Pncu is a non-profit organization that is owned by the members.

$296k
Granted FY2023
9
Grants FY2023
1
States reached
$38k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
05Through PlinthRead
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 2023.

Youth Development$78kPublic Benefit$60kCommunity Improvement$54kHuman Services$37kFood & Nutrition$25kArts & Culture$24kRecreation & Sports$15kPublic Safety & Disaster$12kOther$0
02FY2023 · 9 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 9 grants below total $130,802, the rows itemized in this filing. The $295,732 headline is the total grant expense on the return; the other $164,930 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 · FY2023

  • Under $10k4 grants · $28k
  • $10k–50k5 grants · $103k
$10,042
Median grant
1
States reached
$745M
Total assets
Largest grants
RecipientAmount
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
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:

Dollar for dollar, its grants (FY19–23) land where the poverty rate runs at 16%, against an area that typically sits at 11%. 96% of its dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 11%THE FOOD BANK OF WESTERN MASSACHUSETTS: $25k → 12%BOY'S & GIRL'S CLUB OF GREATER WESTFIELD: $14k → 17%DAVID ALAN HOSPITALITY GROUP: $12k → 11%POLISH CENTER OF DISCOVERY & LEARNING: $10k → 12%STARFIRES BASEBALL LLC: $8k → 17%CHICOPEE POLICE DEPT: $12k → 17%FRIENDS OF SENIOR RIVER MILLS CENTER: $10k → 17%IRISH CULTURAL CENTER: $6k → 17%FRIENDS OF THE WILBRAHAM SENIORS INC: $15k → 17%CHICOPEE FIRE DEPT: $10k → 17%WESTOVER GALAXY COMMUNITY COUNCIL: $7k → 17%HOLYOKE MEDICAL CENTER: $8k → 17%BOY'S & GIRL'S CLUB OF CHICOPEE: $38k → 17%CHICOPEE CHAMBER OF COMMERCE: $26k → 17%CITY OF CHICOPEE: $21k → 17%CHICOPEE BOYS & GIRLS CLUB: $20k → 17%CHICOPEE CHAMBER OF COMMERCE: $13k → 17%CHICOPEE CHAMBER OF COMMERCE: $9k → 17%CHICOPEE PORTUGUESE AMERICAN CLUB: $8k → 17%CHICOPEE BOYS & GIRLS CLUB: $8k → 17%POLISH CENTER OF DISCOVERY & LEARNING: $8k → 17%CITY OF CHICOPEE: $7k → 17%CITY OF CHICOPEE: $7k → 17%CITY OF CHICOPEE: $6k → 17%CITY OF CHICOPEE: $6k → 17%CITY OF CHICOPEE: $6k → 17%ERC5: $6k → 17%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.

57%of every dollar goes to organizations it has funded before.
$183k · 4 repeat orgs$139k to everyone else

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

Re-uppedFunded once

Organizations

4
8

Total granted

$183k
$90k

Median revenue growth · since first grant

+27%
+37%

Still filing today

75%
38%

New vs renewed · share of each year

In FY2023, 62% of grant dollars renewed an existing relationship; $50k went to new ones.

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

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

’19’20’21’22’23
Arts & CultureHealthRecreation & SportsPublic BenefitOther
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

  • BG
    BOYS & GIRLS CLUB OF CHICOPEE INC
    4× · 2019–2024 · $65k · revenue +43%
  • CO
    CITY OF CHICOPEE
    6× · 2019–2024 · $53k
  • GC
    GREATER CHICOPEE CHAMBER OF COMMERCE INC
    4× · 2020–2024 · $48k · revenue -19%

Funded once

  • THE FOOD BANK OF WESTERN MASSACHUSETTS INC
    one grant, 2021 · $25k · revenue +4%
  • DA
    DAVID ALAN HOSPITALITY GROUP
    one grant, 2020 · $12k
  • IG
    Individual grant recipient
    one grant, 2019 · $12k
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
Worcester Regional Chamber of Commerce

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…

—
2
Greater Boston Council On Alcoholism Inc
Philanthropy
3
Greater Lowell Chamber of Commerce Inc

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…

—
4
Greater Boston Chinese Cultural Association Inc

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.

—
5
Worcester Country Club

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…

—
6
Greater Holyoke Chamber of Commerce

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…

—
7
Hampton Area Chamber of Commerce

To promote local businesses

—
8
Waltham Chamber of Commerce Inc

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.

—
9
Fitchburg Historical Society

Museum and research library for history of fitchburg, massachusetts

—
10
Medfield Historical Society

Preserve and promote history of Medfield

—
11
Greater Westhampton Chamber of Commerce

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…

—
12
North Central Mass Chamber of Commerce

To foster and improve the general economic conditions of the north central massacusetts area through promotional and educational efforts.

—
How this is measured
The grantee most central to the portfolio’s shape is Greater Chicopee Chamber of Commerce Inc; 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.
04the grantee network

13 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. 13 of the 17 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.

0
Load-bearing (≥25% of a budget)
0
Early backer (in before they grew)
13/13
Grantees still filing
8/13
Grew since first funded

Where the money sits, by cause and then by grantee

BOYS & GIRLS CLUB OF CHICOPEE INC: $64,700 · OtherBOYS & GIRLS CLUB OF CHICOPEE INCCITY OF CHICOPEE: $52,500 · OtherCITY OF CHICOPEEGREATER CHICOPEE CHAMBER OF COMMERCE INC: $47,780 · OtherGREATER CHICOPEE CHAMBER OF COMMERCE INCTHE FOOD BANK OF WESTERN MASSACHUSETTS INC: $25,000 · OtherTHE FOOD BANK OF WESTERN MASSACHUSETTS INCFRIENDS OF WILBRAHAM SENIORS INC: $15,000 · OtherFRIENDS OF WILBRAHAM SENIORS INCBOYS & GIRLS CLUB OF GREATER WESTFIELD INC: $13,700 · OtherDAVID ALAN HOSPITALITY GROUP: $12,000 · OtherIndividual grant recipient: $11,500 · OtherFRIENDS OF SENIOR RIVER MILLS CENTER: $10,000 · OtherIndividual grant recipient: $10,000 · Other+2 more: $13,300 · OtherPOLISH CENTER OF DISCOVERY AND LEARNING: $17,542 · Arts & CultureIRISH CULTURAL CENTER INC OF WESTERN NEW ENGLAND: $6,000 · Arts & CultureCHICOPEE PORTUGUESE AMERICAN C: $7,980 · Recreation & SportsHolyoke Medical Center Inc: $7,500 · HealthGALAXY COMMUNITY COUNCIL: $7,300 · Public Benefit
Other$275,480Arts & Culture$23,542Recreation & Sports$7,980Health$7,500Public Benefit$7,300

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 budgetBOYS & GIRLS CLUB OF CHICOPEE INC: $64,700 over 4y, 1.7% of budgetGREATER CHICOPEE CHAMBER OF COMMERCE INC: $47,780 over 4y, 11% of budgetTHE FOOD BANK OF WESTERN MASSACHUSETTS INC: $25,000 over 1y, 0.1% of budgetPOLISH CENTER OF DISCOVERY AND LEARNING: $17,542 over 3y, 10% of budgetFRIENDS OF WILBRAHAM SENIORS INC: $15,000 over 1y, 3.2% of budgetBOYS & GIRLS CLUB OF GREATER WESTFIELD INC: $13,700 over 2y, 0.3% of budgetCHICOPEE PORTUGUESE AMERICAN C: $7,980 over 1y, 3.5% of budgetHolyoke Medical Center Inc: $7,500 over 1y, 0.0% of budgetGALAXY COMMUNITY COUNCIL: $7,300 over 1y, 16% of budgetIRISH CULTURAL CENTER INC OF WESTERN NEW ENGLAND: $6,000 over 1y, 1.0% of budgetEAST OF THE RIVER CHAMBER OF COMMERCE: $5,800 over 2y, 3.4% 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.

Community Foundation …Easthampton Savings B…The Beveridge Family …Fidelity Investments …Amazonsmile Foundation
Community Foundation of Western MassachusettsMA17.5× affinity6 shared granteesties to 4 of 4Hover any node to trace its alignments.Compare side by side →

Open a dossier: Community Foundation of Western Massachusetts · Easthampton Savings Bank Foundation Inc · The Beveridge Family Foundation · 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 Polish National Credit Union funds: left to right is the share of its income from government, bottom to top the share from Polish National Credit Union. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 60%1%5%11%20%funder's share of their income ↑0%6%13%19%25%share of the org’s income from government →median 3%
  • 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
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)
0rely on government for over half their income
⤢ axis zoomed · 0–25%
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.
05Through Plinth

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.

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 17 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 2023, released 2023. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

Possibly out of date. A more recent filing (FY2024) is on record and reports $107k of grant expense, but none of it to a named recipient. On a Form 990 that can mean grants abroad, filed by region only (Schedule F), grants under $5,000, which are not itemized, or a schedule referenced as an attachment the e-file does not carry. The figures above are therefore from FY2023, the most recent year this funder named its grantees.

Source object · view filing

Play a game based on Polish National Credit Union’s filings →

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