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Seattle Metropolitan Credit Union at a glance

· Public charity

Seattle Metropolitan Credit Union

To promote thrift among its members, serve the underserved in the seattle metropolitan area, and to provide financial services and to create a source of credit for them at legitimate rates of interest for provident, productive and educational purposes.

$326k
Granted FY2024still arriving
4
Grants FY2024still arriving
1
States reached
$250k
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, FY2018 to 2024.

Education$318kCommunity Improvement$82kHuman Services$67kPhilanthropy$25kRecreation & Sports$13kHealth$8k
02FY2024 · 4 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 4 grants below total $291,210, the rows itemized in this filing. The $326,488 headline is the total grant expense on the return; the other $35,278 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 $10k1 grant · $5k
  • $10k–50k2 grants · $36k
  • $250k+1 grant · $250k
$26,060
Median grant
1
States reached
$1.1B
Total assets
Largest grants
RecipientAmount
SEATTLECU FOUNDATION$250,000
TACOMA COMMUNITY HOUSE$26,060
LATINO EDUCATIONAL TRAINING INSTITUTE$10,000
COLUMBIA TOWER CLUB$5,150
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 (FY18–24, $67k) land where the poverty rate runs at 9%, against an area that typically sits at 8%. 100% of those dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 8%YWCA SEATTLE KING COUNTY: $6k → 9%TACOMA COMMUNITY HOUSE: $26k → 9%UKRAINIAN COMMUNITY CENTER: $10k → 9%EL CENTRO DE LA RAZA: $25k → 9%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 10% of Seattle Metropolitan Credit Union’s grant dollars are earmarked for a different county than the recipient’s own address. By recipient address, 94% of the giving stays in WA; by stated purpose, 81%.

Seattle Metropolitan Credit Unionlessmore of its giving
Placed by recipient address · 6.8% 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.

23%of every dollar goes to organizations it has funded before.
$115k · 5 repeat orgs$397k to everyone else

Grantees it renews have grown median revenue +82% since the first grant, against +41% for those funded once.

5 repeat relationships: 1 still active in FY2024, 4 since wound down; 3 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

5
9

Total granted

$115k
$111k

Median revenue growth · since first grant

+82%
+41%

Still filing today

60%
89%

New vs renewed · share of each year

In FY2024, 2% of grant dollars renewed an existing relationship; $286k went to new ones.

50%100%’18’19’21’22’23’24
RenewedFirst-time

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

’18’19’21’22’23’24
EducationHuman ServicesCommunity ImprovementPhilanthropyHealthOther
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

  • 2P
    21 PROGRESS FUND
    2× · 2018–2019 · $35k · revenue +428%
  • EC
    EDMONDS COLLEGE FOUNDATION
    2× · 2022–2023 · $31k · revenue -26%
  • UW
    UNITED WAY OF KING COUNTY
    2× · 2018–2021 · $25k · revenue -30%

Funded once

  • EC
    EL CENTRO DE LA RAZAgraduated
    2× · 2018–2020 · $25k · revenue +143%
  • UNITED NEGRO COLLEGE FUND INC
    one grant, 2022 · $20k · revenue -29%
  • AI
    ALPFA INC
    one grant, 2019 · $12k · revenue -90%
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
Seattle Economic Development Fund Business Impact Nw

To provide economic development financing to serve the needs of small businesses in the state of washington that would not qualify for private financing under conventional financing criteria.

Community Improvement
2
Washington African American Chamber of Commerce

WAACOC nonprofit organization focuses on promoting economic development by providing crucial business development and technical assistance services. Through strategic partnerships and targeted programs we support entrepreneurs and small…

Human Services
3
Community Credit Lab

To support equitable access to economic opportunities for immigrants, refugees, low-income, marginalized, and underserved communities in king county and the united states.

Human Services
4
Urban League of Metropolitan Seattle

The urban league of metropolitan seattle (ulms) empowers african americans, as well as other diverse underserved communities, to thrive by securing educational and economic opportunities.

—
5
Washington Ethnic Studies Now

Washington Ethnic Studies Now WAESN is a multigenerational majority POC-led nonprofit advancing Ethnic Studies and racial justice in Washington. We center people of color build youth-centered leadership and learning and organize…

Education
6
Greater Washington Partnership

We identify shared opportunities and core challenges and offer solutions to the region's most critical issues including skills and talent, regional mobility, infrastructure and inclusive economic growth.

Recreation & Sports
7
Independent Colleges of Washington

Independent colleges of washington is the leading advocate for not-for-profit, private campuses in washington state.

Education
8
Association of Washington Cities

The association of washington cities builds connections between our state's diverse cities and towns, while providing our members with the support needed to thrive through delivery of data-driven education, nationally recognized pooling…

—
9
Washington Area Community Investment Fund Inc

The washington area community investment fund (wacif) is a nonprofit community loan fund focused on increasing equity and economic opportunity in the washington, dc area's underserved communities. wacif's mission is driven is driven by…

—
10
Central Washington Hispanic Chamber of Commerce

We increase access to economic opportunities for business owners, entrepreneurs, and individuals in Central Washington by connecting and providing them with resources, representation, and opportunities to build community.

Community Improvement
11
Tacoma Urban League

To assist African Americans, other ethnic minorities and economically disadvantaged individuals and families in the achievement of social equity and economic independence.

Human Services
12
Tenants Union of Washington

The mission of the Tenants Union (TU) is to create housing justice through empowerment-based education, outreach, leadership development, organizing, and advocacy.

—
How this is measured
The grantee most central to the portfolio’s shape is Young Womens Christian Association of Seattle-King County-Snohomish County; the most unlike its peers is Black Owned Business Excellence. 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, 2017–2025.

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. 16 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.

1
Load-bearing (≥25% of a budget)
2
Early backer (in before they grew)
15/16
Grantees still filing
7/16
Grew since first funded

Where the money sits, by cause and then by grantee

SEATTLECU FOUNDATION: $250,000 · EducationSEATTLECU FOUNDATION21 PROGRESS FUND: $35,000 · Education21 PROGRESS FUNDEDMONDS COLLEGE FOUNDATION: $31,359 · EducationEDMONDS COLLEGE FOUNDATIONUNITED NEGRO COLLEGE FUND INC: $20,000 · EducationUNITED NEGRO COLLEGE FUND INC+1 more: $10,000 · EducationTacoma Community House: $26,060 · Human ServicesTacoma Communi…EL CENTRO DE LA RAZA: $25,000 · Human ServicesEL CENTRO DE L…UKRAINIAN COMMUNITY CENTER OF WASHINGTON: $10,000 · Human ServicesUKRAINIAN COMM…YOUNG WOMENS CHRISTIAN ASSOCIATION OF SEATTLE-KING COUNTY-SNOHOMISH COUNTY: $6,000 · Human ServicesYOUNG WOMENS C…COLUMBIA TOWER CLUB: $12,650 · OtherALPFA INC: $12,000 · OtherNATIONAL BLACK MBA ASSOCIATION - SEATTLE CHAPTER: $10,000 · OtherTHIRD SECTOR NEW ENGLAND INC: $11,920 · Community ImprovementFRIENDS OF LITTLE SAIGON: $10,000 · Community ImprovementBlack Owned Business Excellence: $10,000 · Community ImprovementUNITED WAY OF KING COUNTY: $24,500 · PhilanthropySEA MAR COMMUNITY HEALTH CENTERS: $7,500 · Health
Education$346,359Human Services$67,060Other$34,650Community Improvement$31,920Philanthropy$24,500Health$7,500

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 budgetSEATTLECU FOUNDATION: $250,000 over 1y, 100% of budget21 PROGRESS FUND: $35,000 over 2y, 23% of budgetEDMONDS COLLEGE FOUNDATION: $31,359 over 2y, 1.3% of budgetTacoma Community House: $26,060 over 1y, 0.5% of budgetEL CENTRO DE LA RAZA: $25,000 over 2y, 0.3% of budgetUNITED WAY OF KING COUNTY: $24,500 over 2y, 0.0% of budgetUNITED NEGRO COLLEGE FUND INC: $20,000 over 1y, 0.0% of budgetALPFA INC: $12,000 over 1y, 0.3% of budgetTHIRD SECTOR NEW ENGLAND INC: $11,920 over 2y, 0.0% of budgetFRIENDS OF LITTLE SAIGON: $10,000 over 1y, 1.2% of budgetUKRAINIAN COMMUNITY CENTER OF WASHINGTON: $10,000 over 1y, 0.4% of budgetLATINO EDUCATIONAL TRAINING INSTITUTE: $10,000 over 1y, 0.2% of budgetSEA MAR COMMUNITY HEALTH CENTERS: $7,500 over 1y, 0.0% of budgetYOUNG WOMENS CHRISTIAN ASSOCIATION OF SEATTLE-KING COUNTY-SNOHOMISH COUNTY: $6,000 over 1y, 0.0% 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.

Seattle FoundationPuget Sound Energy Fo…School's Out Washingt…Credit Unions in the …Northwest Harvest EmmInatai FoundationThe Norcliffe Foundat…Local Initiatives Sup…The Bank of America C…American Online Givin…Donor Advised Charita…Fidelity Investments …
Seattle FoundationWA20.1× affinity8 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →

Open a dossier: Seattle Foundation · Puget Sound Energy Foundation · School's Out Washington · Credit Unions in the State of Washington · Northwest Harvest Emm · Inatai Foundation · The Norcliffe Foundation · Local Initiatives Support Corporation · The Bank of America Charitable Foundation Inc · American Online Giving Foundation Inc · Donor Advised Charitable Giving Inc · Fidelity Investments Charitable Gift Fund

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 Seattle Metropolitan Credit Union funds: left to right is the share of its income from government, bottom to top the share from Seattle Metropolitan Credit Union. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%6%25%56%100%funder's share of their income ↑0%25%50%75%100%share of the org’s income from government →median 3%
  • Third Sector New England Inc: 3% of income from government
no gov moneyreceives it· size = income
0get no government money at all
5report government grants on their 990 we could not trace to a source (not plotted)
0rely on government for over half their income
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 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 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