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· Public charity
SANTA CRUZ COMMUNITY CREDIT UNION
A community development and low income certified financial cooperative organized to serve underserved and promote economic equity.
$63k
Granted FY2024
2
Grants
1
Communities
$15k
Largest
01What you fund
0178% classified
What you funded, over time
Every grant clustered by its grantee’s IRS cause code (NTEE), by year — across FY2017–2024.
Human Services$201kEmployment$15kCommunity Improvement$12kFood & Nutrition$9kReligion$5kCivil Rights$5kArts & Culture$5kOther$72k
02beneath the categories
Past the labels — and the year it shifted
Beneath the NTEE codes, this is what the grant descriptions actually say.
…and in their own words, year by year
2018
—
2019
—
2020
—
2021
healthyfood
2022
—
2023
—
Words distinctive to each year’s grant purposes (TF-IDF) · event-driven terms in cyan.
03FY2024 · 2 grants
Where the money goes
Your grants by size, and where they go.
By grant size · FY2024
- Under $10k1 grant · $5k
- $10k–50k1 grant · $15k
$15,000
Median grant
1
States reached
$186M
Total assets
Largest grants
- SENIORS COUNCIL OF SANTA CRUZ AND SAN BENITO COUNTIES$15,000
- PAJARO VALLEY SHELTER SERVICES$5,167
02The need
04
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.
show:
Your human-services grants (FY18–24, $114k) land where the poverty rate runs at 13% — the area typically sits at 7%. 100% of those dollars reach neighborhoods with above-average need. Most of your grants land in higher-need ZIPs.
grant to an above-average-need area below average· circle size = grant amount
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; 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, United Way ALICE — shown as context about the area, never attributed to your giving.
03Your edge
repeat funding
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.
60%of every dollar goes to organizations you’ve funded before.
$195k · 7 repeat orgs$130k to everyone else
7 repeat relationships — 2 still active in FY2024, 5 since wound down.
How the two cohorts compare
Re-uppedFunded once
Organizations
7
8
Total granted
$195k
$130k
Median revenue growth · since first grant
+61%
+65%
Still filing today
86%
88%
New vs renewed · share of each year
In FY2024, 100% of grant dollars renewed an existing relationship; $0 went to new ones.
RenewedFirst-time
Where new relationships form · theme of each grantee’s first grant
Human ServicesCommunity ImprovementEmploymentFood & NutritionReligionCivil RightsOther
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
- SCSENIORS COUNCIL OF SANTA CRUZ AND SAN BENITO COUNTIES6× · 2018–2024 · $90k · revenue +61%
- TDTHE DIVERSITY CENTER OF SANTA CRUZ COUNTY3× · 2021–2023 · $29k · revenue +56%
- PVPAJARO VALLEY LOAVES & FISHES2× · 2021–2023 · $22k · revenue +94%
Funded once
- SCSANTA CRUZ COMMUNITY VENTURESgraduatedone grant, 2017 · $57k · revenue +4865% · 81% of their budget
- HGHOMELESS GARDEN PROJECTgraduatedone grant, 2021 · $31k · revenue +57%
- PAPOLISH AMERICAN FEDERAL CREDIT UNIONone grant, 2022 · $10k
Repeat = funded in two or more distinct years; growth and survival are read from each grantee’s own subsequent IRS filings.
04Your field
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.
1
Santa Cruz Community Farmers Market
To serve our community by providing direct access to sustainable sources of fresh produce and other unique foods, and provide education about food issues, both local and beyond.
—
2
Santa Cruz Council on Aging Inc
To provide a better quality of life for the elderly community and our seniors, we serve through nutrition, transportation, and social and health referrals.
Human Services
3
South County Community Services
To alleviate hunger and homelessness in south santa clara county by providing food, housing and employment related services, and advocating for system changes to improve the quality of life for the most vulnerable people in the communities…
Food & Nutrition
4
Ecology Action of Santa Cruz
Empower individuals, businesses, and communities to take actions today that achieve environmental and economic sustainability.
Environment
5
Santa Cruz Co Animal Shelter Foundation
To support santa cruz county animal services authority through education, public awareness, fund raising, support of current projects, and establishment of new projects.
Animals
6
Sunnyvale Community Services
Scs's mission is to prevent homelessness and hunger in our local community.
Human Services
7
Central Coast Alliance United for a
To build grassroots power to realize social, economic and environmental justice for the people of the Central Coast Region through policy research, leadership development, organizing and advocacy.
Community Improvement
8
Santa Cruz Mountains Trail Stewardship
Santa Cruz Mountains Trail Stewardship is creating and maintaining world-class trails responsibly, sustainably, and collectively.
Environment
9
Community Housing Sonoma County
Community Housing Sonoma County creates supportive housing communities for people living with disabling conditions, especially veterans.
Housing & Shelter
10
Just Communities Central Coast
Just Communities Central Coast advances justice by building leadership, fostering change, and dismantling all forms of prejudice, discrimination and oppression.
Civil Rights
11
Friends of the Santa Cruz Public
The Friends of the Santa Cruz Public Libraries (Friends) support the city-county library system through advocacy, volunteer services and fund raising. Their goal is to create stronger neighborhoods and a culturally-enriched county through…
Education
12
Friends of Santa Cruz State Parks
Friends of santa cruz state parks is a vital partner to california state parks, creatively working to ensure parks and beaches throughout santa cruz county and coastal san mateo county are thriving and available to all.
—
For reference, the grantee most central to the portfolio’s shape is Volunteer Centers of Santa Cruz County and the most unlike its peers is Valley Churches United. 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
14 grantees, every filing reconciled, 2017–2025.
Each one resolved to its own IRS returns and tracked year by year — your grant beside their revenue.
1
Load-bearing (≥25% of a budget)
9
Early backer (in before they grew)
13/14
Grantees still filing
13/14
Grew since you first funded
Where your money sits — by cause, then by grantee
Human Services$201,029Other$72,220Employment$15,195Community Improvement$12,000Food & Nutrition$9,132Religion$5,200Civil Rights$5,150Arts & Culture$5,100
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 SENIORS COUNCIL OF SANTA CRUZ AND SAN BENITO COUNTIES ↗
- Who funds SANTA CRUZ COMMUNITY VENTURES ↗
- Who funds HOMELESS GARDEN PROJECT ↗
- Who funds THE DIVERSITY CENTER OF SANTA CRUZ COUNTY ↗
- Who funds PAJARO VALLEY LOAVES & FISHES ↗
- Who funds PAJARO VALLEY SHELTER SERVICES ↗
- Who funds COMMUNITY ACTION BOARD ↗
- Who funds THINK LOCAL FIRST - COUNTY OF SANTA CRUZ ↗
- Who funds VOLUNTEER CENTER OF SANTA CRUZ COUNTY ↗
- Who funds SECOND HARVEST FOOD BANK SANTA CRUZ ↗
- Who funds GREY BEARS ↗
- Who funds VALLEY CHURCHES UNITED ↗
- Who funds CASA ↗
- Who funds ARTS COUNCIL OF SANTA CRUZ COUNTY ↗
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.
Community Foundation Santa CruzCA30.8× affinity12 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →
Open a dossier: Community Foundation Santa Cruz · Monterey Peninsula Foundation · Kaiser Foundation Hospitals · Sutter Bay Hospitals · East Bay Community Foundation · Silicon Valley Community Foundation · Pajaro Valley Community Health Trust · Newman's Own Foundation · United Way of Santa Cruz County · Peggy and Jack Baskin Foundation · The David and Lucile Packard Foundation · Vanguard Charitable Endowment Program
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 organisation SANTA CRUZ COMMUNITY 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 or a single department — and drag the year to watch it move.
2025
’20’21’22’23’24’25
no gov moneyreceives it· size = income
0get no government money at all
0rely on government for over half their income
⤢ axis zoomed · 0–30%
typical government reliance, FY20–25
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. 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.
05Through Plinth
Through Plinth
Your grantmaking, live and operational
This dossier was generated cold from public filings. In Plinth it’s a working system — every applicant assessed and every grant monitored. Here’s a taste, run on one of your grantees: SANTA CRUZ COMMUNITY VENTURES.
Agentic due diligence · confidence × risk
Financial management
low risk
~12 months of operating runway; revenue grew over 8 filed years.
Track record & reputation
low risk
8 years of Form 990 filings, still active; revenue up 49.6× since.
Legal standing
low risk
US 501(c)(3); EIN 770247648 on file with current IRS Form 990 filings.
Governance
Live in Plinth
Board composition & governance documents — verified live in Plinth from the applicant.
Compliance & sanctions
Live in Plinth
OFAC / UN sanctions screening — run live in Plinth at assessment.
Program capacity
Live in Plinth
Staffing, M&E and activity alignment — assessed live in Plinth from submitted proposals.
Live · Plinth’s real DD engine
Run the actual assessment on SANTA CRUZ COMMUNITY VENTURES, cold from public data.
Generated live from public IRS filings + open web sources by Plinth’s agentic engine. Shown as an illustration of the product, not a formal assessment.
Post-award monitoring · continuous checks
- On trackFinancial stability— Roughly 12 months of cash on hand.
- On trackSustained operations— Filing through 2024; revenue grew over the period.
- WatchReliance on your funding— Your grants peaked at 81% of their budget — load-bearing; a dependency Plinth would track.
- Awaiting reportEvidence of delivery— Plinth collects the grantee's own monitoring reports post-award.
What you see here is static and public. In Plinth it’s operational — the full six-pillar framework on every applicant (with their own documents + live registry and sanctions checks), monitoring dashboards on every award, custom board reports, and eligibility routing for intake.
Agentic due diligenceMonitoring dashboardsCustom board reportsEligibility routing
Preview generated from this grantee’s public IRS filings and independent reporting. Pillars marked “live in Plinth” require the applicant’s submitted documents. Shown as illustration, not a formal assessment.
Warm introductions · Powered by PlinthPro
How do I get to Santa Cruz Community Credit Union?
Find your warmest path to Santa Cruz Community Credit Union through people who sit on both boards. Search for your organization and Plinth traces the introduction across shared trustees and officers.
Every link is a documented governance overlap in public IRS 990 filings — not a personal network — and each hop carries its own confidence tier. Low-confidence or distant paths are held back rather than guessed.
More from the funding graph
The regranting layer
51% of grant dollars pass through an intermediary
The DAF merry-go-round
$9.7B circulates between donor-advised funds
Strange bedfellows
the named clusters of US funding
The camps
funders cluster by geography, not ideology
By state
where grant money is based, and what stays home
State money flows
the interactive map of money crossing state lines