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Vibe Credit Union at a glance

· Public charity

Vibe Credit Union

To enhance the financial well-being of our members

$249k
Granted FY2025still arriving
6
Grants FY2025still arriving
1
States reached
$65k
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, FY2023 to 2024.

Housing & Shelter$156kFood & Nutrition$61kHealth$20kPublic Safety & Disaster$20kHuman Services$10kPhilanthropy$10kYouth Development$7kCrime & Legal$6k
02FY2025 · 6 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 6 grants below total $233,260, the rows itemized in this filing. The $248,660 headline is the total grant expense on the return; the other $15,400 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 · FY2025

  • $10k–50k3 grants · $65k
  • $50k–250k3 grants · $168k
$50,000
Median grant
1
States reached
$1.4B
Total assets
Largest grants
RecipientAmount
HABITAT FOR HUMANITY OAKLAND COUNTY$65,000
METRO FOOD RESCUE$53,260
LIGHTHOUSE OF OAKLAND COUNTY$50,000
PONTIAC COMMUNITY FOUNDATION$25,000
HOSPITALITY HOUSE$25,000
DISASTER RELIEF AT WORK$15,000
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 (FY25–25, $25k) land where the poverty rate runs at 8%, against an area that typically sits at 11%. 0% of those dollars go to grantees based in above-average-need neighborhoods. Its grants skew toward lower-need ZIPs.

area typical 11%HOSPITALITY HOUSE: $25k → 8%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.

77%of every dollar goes to organizations it has funded before.
$386k · 4 repeat orgs$112k to everyone else

Grantees it renews have grown median revenue +34% since the first grant, against +4% for those funded once.

4 repeat relationships: 4 still active in FY2025, 0 since wound down; 1 grantees were first funded in FY2025 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

4
8

Total granted

$386k
$87k

Median revenue growth · since first grant

+34%
+4%

Still filing today

100%
88%

New vs renewed · share of each year

In FY2025, 88% of grant dollars renewed an existing relationship; $25k went to new ones.

50%100%’23’24’25
RenewedFirst-time

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

’23’24’25
Housing & ShelterFood & NutritionPublic Safety & DisasterHealthYouth DevelopmentPhilanthropyOther
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

  • HF
    Habitat for Humanity of Oakland County Inc
    3× · 2023–2025 · $167k · revenue +34%
  • MF
    Metro Food Rescue
    3× · 2023–2025 · $102k · revenue +16%
  • DR
    DISASTER RELIEF AT WORK INC
    3× · 2023–2025 · $35k · revenue +392%

Funded once

  • HD
    Humble Design Inc
    one grant, 2024 · $22k · revenue +16%
  • PANCREATIC CANCER ACTION NETWORK INC
    one grant, 2023 · $20k · revenue -46%
  • 9D
    911 DAY
    one grant, 2024 · $10k · revenue 0%
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
Habitat for Humanity of Michigan Inc

Our mission is to assist our affiliates to increase capacity to build simple decent homes in partnership with people in need in the State of Michigan.

Housing & Shelter
2
Habitat for Humanity of Lapeer - Tuscola

To eliminate sub-standard housing and homelessness from lapeer county.

—
3
Hancock County Habitat for Humanity

Partnering with economically disadvantaged individuals and families. Hancock County Habitat For Humanity seeks to eliminate poverty housing and to make decent, affordable shelter a matter of conscience and action.

—
4
Food Bank of Eastern Michigan

The Food Bank of Eastern Michigan's mission is to be the Food Source for people in need. Partnering with organizations to feed the hungry, we advocate and build a community solution to a community problem. By leveraging an abundance of…

Food & Nutrition
5
Lighthouse of Oakland County

To support lighthouse mi in their mission to build equitable communities and alleviate poverty in partnership with and in service to individuals, families, and organizations.

Human Services
6
Detroit Friendship House Inc

Friendship house meets the basic needs of low income residents of hamtramck, mi. this assistance includes food, clothing, baby supplies and school supplies.

Human Services
7
Homeless Action Network of Detroit

Our mission is to increase awareness of the problems of people who are homeless and the development and carrying out of strategies to create permanent solutions to homelessness in our community.

Human Services
8
Community Kitchens of Birmingham

Assistance to homeless and needy persons.

Food & Nutrition
9
Detroit Food Policy Council

The organization was founded by a group of concerned citizens, working in cooperation with the detroit city council, to shape food policy and to work for a more localized, more just, and environmentally friendly food system. the…

Food & Nutrition
10
Lakeshore Legal Aid

Standing with our neighbors, Lakeshore Legal Aid fights poverty and injustice through advocacy and by providing meaningful and dignified access to the legal system.

Crime & Legal
11
Housing Services of Mid Michigan

To assist people with low or moderate income to obtain safe and affordable housing

Housing & Shelter
12
Micah House Corporation

Providing shelter, food, clothing & support for homeless families

Housing & Shelter
How this is measured
The grantee most central to the portfolio’s shape is Hospitality House; the most unlike its peers is Burr Oak 4-H Club - Michigan State. 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 14 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)
3
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

Habitat for Humanity of Oakland County Inc: $166,821 · OtherHabitat for Humanity of Oakland County IncACTIVE FAITH COMMUNITY SERVICES: $10,000 · Other911 DAY: $10,000 · Other+4 more: $25,250 · Other+4 moreSOUTH OAKLAND SHELTER: $82,500 · Housing & ShelterSOUTH OAKLAND SHELTERHumble Design Inc: $22,000 · Housing & ShelterHumble Design IncMetro Food Rescue: $101,640 · Food & NutritionMetro Food RescueDISASTER RELIEF AT WORK INC: $35,000 · Public Safety & DisasterPONTIAC COMMUNITY FOUNDATION: $25,000 · Community ImprovementHOSPITALITY HOUSE: $25,000 · Human ServicesPANCREATIC CANCER ACTION NETWORK INC: $20,000 · Health
Other$212,071Housing & Shelter$104,500Food & Nutrition$101,640Public Safety & Disaster$35,000Community Improvement$25,000Human Services$25,000Health$20,000

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$100k$1.0M$10Mgrantee revenue →↑ funder's share of their budgetHabitat for Humanity of Oakland County Inc: $166,821 over 3y, 1.0% of budgetMetro Food Rescue: $101,640 over 3y, 5.8% of budgetSOUTH OAKLAND SHELTER: $82,500 over 2y, 0.4% of budgetDISASTER RELIEF AT WORK INC: $35,000 over 3y, 1.3% of budgetHOSPITALITY HOUSE: $25,000 over 1y, 1.3% of budgetHumble Design Inc: $22,000 over 1y, 0.4% of budgetPANCREATIC CANCER ACTION NETWORK INC: $20,000 over 1y, 0.0% of budget911 DAY: $10,000 over 1y, 0.1% of budgetACTIVE FAITH COMMUNITY SERVICES: $10,000 over 1y, 0.9% of budgetBurr Oak 4-H Club - Michigan State: $6,500 over 1y, 9.4% of budgetKids Coalition Against Hunger: $6,250 over 1y, 1.3% of budgetHAVEN INC: $6,000 over 1y, 0.1% 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.

United Way for Southe…DTE Energy FoundationConsumers Energy Foun…The Pfizer Foundation…The Blackbaud Giving …Charities Aid Foundat…The Bank of America C…American Online Givin…Donor Advised Charita…Fidelity Investments …Amazonsmile Foundation
United Way for Southeastern MichiganMI13.5× affinity4 shared granteesties to 10 of 10Hover any node to trace its alignments.Compare side by side →

Open a dossier: United Way for Southeastern Michigan · DTE Energy Foundation · Consumers Energy Foundation · The Pfizer Foundation Inc · The Blackbaud Giving Fund · Charities Aid Foundation America · The Bank of America Charitable Foundation Inc · American Online Giving Foundation Inc · Donor Advised Charitable Giving Inc · 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 Vibe Credit Union funds: left to right is the share of its income from government, bottom to top the share from Vibe Credit Union. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%1%3%6%10%funder's share of their income ↑0%10%20%30%40%share of the org’s income from government →
    no gov moneyreceives it· size = income
    0get 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 · 0–40%
    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 14 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 2025, released 2025. 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