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Young Men's Christian Association Retirement Fund at a glanceAlso receives grants: funding profile →

· Public charity

Young Men's Christian Association Retirement Fund

The mission of the YMCA Retirement Fund is to partner with YMCAs to help those who serve others build a foundation for financial security in retirement.

$311k
Granted FY2025still arriving
4
Grants FY2025still arriving
4
States reached
$113k
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, FY2017 to 2025.

Human Services$1.7MEducation$175kCommunity Improvement$25k
02FY2025 · 4 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 4 grants below total $175,000, the rows itemized in this filing. The $311,405 headline is the total grant expense on the return; the other $136,405 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 · $63k
  • $50k–250k1 grant · $113k
$30,000
Median grant
4
States reached
$10.3B
Total assets
Largest grants
RecipientAmount
ARMED SERVICES YMCA$112,500
YMCA OF THE USA$30,000
SPRINGFIELD COLLEGE YMCA$22,500
YMCA ALUMNI$10,000
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 (FY17–25, $1.1M) land where the poverty rate runs at 8%, against an area that typically sits at 10%. 19% of those dollars go to grantees based in above-average-need neighborhoods. Its grants skew toward lower-need ZIPs.

area typical 10%MAUI FAMILY YMCA: $8k → 9%YMCA OF GREATER NEW YORK: $28k → 17%YMCA OF THE USA: $73k → 14%ARMED SERVICES YMCA: $150k → 6%ARMED SERVICES YMCA: $113k → 7%THE SIOUX YMCA: $2k → 39%YMCA OF GREATER NEW YORK: $4k → 17%ARMED SERVICES YMCA: $100k → 6%ARMED SERVICES YMCA: $110k → 7%YMCA OF THE USA: $40k → 14%ARMED SERVICES YMCA: $100k → 6%ARMED SERVICES YMCA: $100k → 7%YMCA OF THE USA: $38k → 14%ARMED SERVICES YMCA: $100k → 6%ARMED SERVICES YMCA: $100k → 7%ARMED SERVICES YMCA: $50k → 7%YMCA OF THE USA: $30k → 14%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.

Which US states its grants reach

IL
NY
MA
SD
OH
CT
VA
HI
FL
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.

94%of every dollar goes to organizations it has funded before.
$1.7M · 7 repeat orgs$117k to everyone else

Grantees it renews have grown median revenue +67% since the first grant, against +44% for those funded once.

7 repeat relationships: 4 still active in FY2025, 3 since wound down.

How the two cohorts compare

Re-uppedFunded once

Organizations

7
6

Total granted

$1.7M
$117k

Median revenue growth · since first grant

+67%
+44%

Still filing today

71%
50%

New vs renewed · share of each year

In FY2025, 100% of grant dollars renewed an existing relationship; $0 went to new ones.

50%100%’17’18’19’20’21’22’23’24’25
RenewedFirst-time

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

’17’18’19’20’21’22’23’24’25
Human ServicesEducationOther
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

  • AS
    ARMED SERVICES YMCA OF THE USA
    9× · 2017–2025 · $923k · revenue +120%
  • National Council of YMCAs of the USA
    4× · 2022–2025 · $180k · revenue +67%
  • YA
    YMCA ALUMNI
    6× · 2017–2025 · $85k · revenue +216%

Funded once

  • YO
    YMCA OF THE USA
    one grant, 2021 · $50k
  • AO
    ASSOCIATION OF YMCA PROFESSIONALS
    one grant, 2021 · $25k
  • YA
    YMCA ALUMNI
    one grant, 2019 · $20k
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
Nexus Youth and Families

Restoring hope, building futures, and strengthening our communities through programs with youth, young adults and families. we support the behavioral health of at-risk and in-crisis youth across the greater south king county area. we take…

Human Services
2
Merrimack Valley Young Men's Christian Association Inc

Ymca programs meet community needs and promote community health and wellness. each year we deliver more than $3 million worth of subsidized services to needy children, adults and families.

Youth Development
3
Young Men's Christian Association of Austin Minnesota

We work side-by-side with our neighbors to make sure that everyone, regardless of age, income or background, has the opportunity to learn, grow and thrive.

—
4
The Young Men's Christian Association of Greater Seattle (6871)

Building a community where all people, especially the young, are encouraged to develop their fullest potential in spirit, mind, and body. strategic goals: *provide opportunities for youth and young adults that shape values and encourage…

Human Services
5
Young Men's Christian Association

To put christian principles into practice through programs that build healthy spirit, mind and body for all.

Human Services
6
Young Men's Christian Association

We build strong kids, strong families, and strong communities with a primary focus on youth activities and programs.

Human Services
7
The New Canaan Community Young Men's Christian Association Inc

The new canaan community ymca's mission is to enrich all people in spirit, mind and body. we are committed to providing programs and services that promote youth development, healthy living, and social responsibility among our members and…

—
8
Young Men's Christian Association

The ymca is a charitable association dedicated to building healthy body, mind, and spirit

Human Services
9
Young Men's Christian Association of Southeast Texas

To put christian principles into practice through programs that build healthy spirit, mind, and body for all.

Human Services
10
Armed Services Ymca of the Usa Group Return

The armed services ymca enhances the lives of military members and their families in spirit, mind and body through programs relevant to the unique challenge of military life.

—
11
Summit Area Young Men's Christian Association a Nj Nonprofit Corporation

The mission of the summit area ymca is to strengthen the foundations of community by nurturing and developing the potential of every child, promoting healthy living and fostering a sense of social responsibility in the community.

Human Services
12
Young Men's Christian Association of Metropolitan Washington

The young men's christian association of metropolitan washington (ymca) responds to critical youth, teen and family issues with therapeutic, counseling and developmental programs, including truancy prevention, teen pregnancy counseling and…

Human Services
How this is measured
The grantee most central to the portfolio’s shape is Armed Services Ymca of the Usa; the most unlike its peers is Springfield College. 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

9 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. 9 of the 13 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)
2
Early backer (in before they grew)
8/9
Grantees still filing
6/9
Grew since first funded

Where the money sits, by cause and then by grantee

ARMED SERVICES YMCA OF THE USA: $922,500 · Human ServicesARMED SERVICES YMCA OF THE USANational Council of YMCAs of the USA: $180,300 · Human ServicesNational Council of YMCAs of the USA+3 more: $41,000 · Human ServicesASSOCIATION OF YMCA PROFESSIONALS: $225,000 · OtherASSOCIATION OF YMCA PROFESSIONA…YMCA OF THE USA: $115,000 · OtherYMCA OF THE USAYMCA ALUMNI: $85,000 · OtherYMCA ALUMNIYMCA OF THE USA: $50,000 · OtherYMCA OF THE USAASSOCIATION OF YMCA PROFESSIONALS: $25,000 · OtherYMCA ALUMNI: $20,000 · OtherSPRINGFIELD COLLEGE: $175,000 · EducationSPRINGFIELD…FLORIDA STATE ALLIANCE OF YMCAS FOUNDATION INC: $12,500 · EducationFLORIDA STA…
Human Services$1,143,800Other$520,000Education$187,500

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 budgetARMED SERVICES YMCA OF THE USA: $922,500 over 9y, 2.1% of budgetNational Council of YMCAs of the USA: $180,300 over 4y, 0.1% of budgetSPRINGFIELD COLLEGE: $175,000 over 5y, 0.0% of budgetYMCA ALUMNI: $85,000 over 6y, 4.7% of budgetYOUNG MEN'S CHRISTIAN ASSOCIATION OF GREATER NEW YORK: $31,500 over 2y, 0.0% of budgetFLORIDA STATE ALLIANCE OF YMCAS FOUNDATION INC: $12,500 over 1y, 0.3% of budgetMAUI FAMILY YOUNG MEN'S CHRISTIAN ASSOCIATION: $7,500 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.

National Council of Y…Fidelity Investments …Amazonsmile Foundation
National Council of YMCAs of the USAIL13.4× affinity4 shared granteesties to 2 of 2Hover any node to trace its alignments.Compare side by side →

Open a dossier: National Council of YMCAs of the USA · 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 Young Men's Christian Association Retirement Fund funds: left to right is the share of its income from government, bottom to top the share from Young Men's Christian Association Retirement Fund. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%0%1%3%5%funder's share of their income ↑0%8%15%22%30%share of the org’s income from government →median 1%
  • Springfield College: 1% of income from government
no gov moneyreceives it· size = income
0get no government money at all
4report government grants on their 990 we could not trace to a source (not plotted)
0rely on government for over half their income
⤢ axis zoomed · 0–30%
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 13 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