North Carolina · Nonprofit
GREAT RIVERS COMMUNITY TRUST
GREAT RIVERS COMMUNITY TRUST (North Carolina) receives grants from 6 organizations whose IRS filings report $2,926,252 to it, the largest being GATES FOUNDATION ($1,551,252). 2 of them have funded it in more than one year.
- Revenue FY2025
- $6.0M
- Funders on record
- 6
- Grants received
- $2.9M
- Net assets
- $9.6M
What Great Rivers Community Trust does
Mission
To support community development financial institutions (cdfis) through the creation and ongoing development of a secondary market for cdfi small business loans. To exercise any, all and every lawful power of a nonprofit corporation organized under missouri law; provided, however, that nothing herein shall be construed to give the corporation any purpose that is not permitted under internal revenue code section 501(c)(3).
As stated on its FY2025 Form 990.
Program
Grct provides technical assistance and capital to nonprofit cdfis to help them originate more small business loans under $50,000 in size to borrowers who lack access to traditional bank loans, particularly entrepreneurs of color and women entrepreneurs in low-to-moderate income census tracts and with under $1 million of gross annual revenue.
$3,200,689 spentof which $684,192 as grants$1,024,822 earned by the program100% of program spending
The program described on its FY2024 Form 990. Program spending in total: $3,200,689.
The organization over time
Each line starts at 100 in 2021, so what you read is the shape rather than the size: 150 means half as much again as 2021, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2023 to 2024, from $21M to $38M (+79%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
59% of GREAT RIVERS COMMUNITY TRUST’s revenue is contributions — more donation-reliant than the typical peer (48% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 0 of the last 5 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Board chair
Joyce Klein
Chair
As listed on its FY2025 Form 990.
Who funds it, year by year
2020 → 2023: the base narrowed from 2 funders to 1 funder, grant income fell $651k → $250k.
1 of 6 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 9% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
Left out of every figure on this page: $500k from one payer (the payer shares this organization's board, largest Opportunity Finance Network). These are real filings, and they are not money GREAT RIVERS COMMUNITY TRUST raised.
From the IRS filings of GREAT RIVERS COMMUNITY TRUST’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
GREAT RIVERS COMMUNITY TRUST leans on a few funders — its largest provides 53% of grant income and the top three 81%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
28% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund GREAT RIVERS COMMUNITY TRUST.
Largest funder’s share by year: 2020 85% · 2022 83% · 2023 100% — growing more concentrated.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Where its funders are
GREAT RIVERS COMMUNITY TRUST draws 100% of its grant income from funders outside North Carolina, across 5 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $250k arriving through sponsors registered in 1 state is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
GREAT RIVERS COMMUNITY TRUST runs a healthier operating margin than three-quarters of the 9,398 education nonprofits its size.
this organization peer median middle 50% of peers· 9,398 education nonprofits $1M–$10M, FY2025
Organizations like GREAT RIVERS COMMUNITY TRUST
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In North Carolina
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
95% of spending goes to programs.
Governance
Public support
93%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Part of a family of 2 related entities
- Charlotte Small Business Growth Fund LLC · disregarded
- Eba Fund 2021 LLC · partnership
Screen this organization
A dated, signed PDF of the compliance screen for GREAT RIVERS COMMUNITY TRUST: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds GREAT RIVERS COMMUNITY TRUST?
- GREAT RIVERS COMMUNITY TRUST (North Carolina) receives grants from 6 organizations whose IRS filings report $2,926,252 to it, the largest being GATES FOUNDATION ($1,551,252). 2 of them have funded it in more than one year.
- How many funders does GREAT RIVERS COMMUNITY TRUST have?
- IRS filings report 6 organizations giving $2,926,252 in grants to GREAT RIVERS COMMUNITY TRUST, 2 of which have funded it in more than one year.
- Who is the largest funder of GREAT RIVERS COMMUNITY TRUST?
- GATES FOUNDATION is the largest funder on record, with $1,551,252 in grants. The full list of funders is on this page.
- How can an organization like GREAT RIVERS COMMUNITY TRUST find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in North Carolina. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2021–2025), and the filings of 6 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing