2025-09-23T10:04:26-05:00 2024-12-31 812950760 SAX LLP 1040 AVENUE OF THE AMERICAS 16TH FLOOR NEW YORK NY 10018 990 2024-01-01 133849263 NEIGHBORHOOD TRUST FINANCIAL PARTNERS INC NEIG 2129275771 530 WEST 166TH STREET 4TH FLOOR NEW YORK NY 10032 JUSTINE ZINKIN CEO 2129275771 2025-09-23 1 0 MIKE SCHALL P02024184 2122682804 2025-09-22 2024 2025-03-06 01:10:19Z JUSTINE ZINKIN 530 WEST 166TH STREET 4TH FLOOR NEW YORK NY 10032 7192288 0 X WWW.NEIGHBORHOODTRUST.ORG X 1996 NY EMPOWERING LOW-INCOME INDIVIDUALS TO ACHIEVE THEIR FINANCIAL GOALS. 12 11 57 11 0 0 3952484 6387243 446296 635986 118613 169059 0 0 4517393 7192288 18360 5546 0 0 4756703 5574421 0 0 736762 2364520 2322866 7139583 7902833 -2622190 -710545 11078776 10223699 1514449 1366066 9564327 8857633 X NEIGHBORHOOD TRUST FINANCIAL PARTNERS EMPOWERS LOW-INCOME INDIVIDUALS TO BECOME PRODUCTIVE PARTICIPANTS IN THE U.S. FINANCIAL SYSTEM AND ACHIEVE THEIR FINANCIAL GOALS. 0 0 6011861 5546 635986 NEIGHBORHOOD TRUST FINANCIAL PARTNERS IS A NATIONAL, LEADING PROVIDER OF FINANCIAL EMPOWERMENT SERVICES FOR LOW-INCOME WORKERS. IN 2024, WE HELPED OVER 7,000 INDIVIDUALS TAKE CONTROL OF THEIR FINANCES, EMPOWERING THEM TO REDUCE AND PAY OFF DEBT, BUILD SAVINGS, IMPROVE CREDIT, AND WORK TOWARDS OTHER FINANCIAL GOALS. WE ARE COMMITTED TO ACHIEVING A SUSTAINABLE OPERATION VIA EARNED REVENUE FROM A PORTFOLIO OF CUSTOMERS, SO THAT PHILANTHROPY IS LEVERAGED TOWARDS INNOVATION, IMPACT, AND INFORMING THE FINANCIAL SERVICES FIELD.THROUGH TRUSTPLUS AND PATHWAYS, OUR TWO MAIN PROGRAM SERVICES, WE EMBED OUR PROPRIETARY FINANCIAL COACHING LINKED TO GOOD PRODUCTS WITHIN EMPLOYERS, FINANCIAL INSTITUTIONS, AND WORKER ADVOCACY ORGANIZATIONS ACROSS THE COUNTRY. TRUSTPLUS IS OUR WORKER FINANCIAL HEALTH BENEFIT THAT BLENDS HUMAN-TOUCH FINANCIAL COACHING WITH FINANCIAL PRODUCTS AND WORKPLACE BENEFITS, SO THAT WORKERS CAN MAKE THE MOST OF EVERY HARD-EARNED PAYCHECK. OUR TECH-ENABLED SOLUTION ALLOWS US TO REACH WORKERS ACROSS THE COUNTRY AND OFFER LIVE FINANCIAL COACHING "ANYTIME, ANYWHERE." AS A SOCIAL ENTERPRISE, WE PARTNER WITH SMALL BUSINESSES, BENEFITS NETWORKS, FINTECHS AND WORKER AS CUSTOMERS. OUR PATHWAYS SERVICE FOSTERS FINANCIAL INCLUSION FOR UNDERSERVED COMMUNITIES BY INTEGRATING FINANCIAL COACHING INTO CREDIT UNIONS NATIONWIDE. IN PARTNERSHIP WITH CREDIT UNION ADVOCACY NETWORK, INCLUSIV, PATHWAYS TRAINS CREDIT UNION STAFF TO PROVIDE OUR MODEL OF TRUSTED, ACTION-ORIENTED FINANCIAL COACHING TO ITS MEMBERS, AND TRACK THEIR FINANCIAL HEALTH OUTCOMES VIA OUR PROPRIETARY TECHNOLOGY PLATFORM. UNDER OUR CONTRACT WITH THE NEW YORK CITY DEPARTMENT OF CONSUMER & WORKER PROTECTION, WE PROVIDE FINANCIAL COACHING TO NEW YORK CITY RESIDENTS VIA SEVEN FINANCIAL EMPOWERMENT CENTER SITES. 6011861 1 1 0 0 0 0 0 0 0 0 1 0 0 1 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 9 0 1 57 1 0 0 0 0 0 0 0 0 0 0 0 0 X 12 11 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 NY X X JUSTINE ZINKIN 2129275771 530 WEST 166TH STREET 4TH FLOOR NEW YORK NY 10032 JUSTINE ZINKIN CEO 40.00 X X 207614 0 1117 ALIAH GREENE CHAIR 2.00 X X 0 0 0 FRANCO M BASEGGIO VICE CHAIR 2.00 X X 0 0 0 MATTHEW RHODES-KROPF TREASURER 2.00 X X 0 0 0 CHAUNCY LENNON SECRETARY 2.00 X X 0 0 0 SEBASTIAN CERIA DIRECTOR 2.00 X 0 0 0 BEN APPEN DIRECTOR 2.00 X 0 0 0 ROSS A GARON DIRECTOR 2.00 X 0 0 0 SHELDON GILBERT DIRECTOR 2.00 X 0 0 0 ALEKSANDRA SAKA MOJSILOVI DIRECTOR 2.00 X 0 0 0 MARIA BEHRENS DIRECTOR 2.00 X 0 0 0 ROB LEVY DIRECTOR 2.00 X 0 0 0 KRYN BRADLEY ANDERSON CFO 40.00 X 162366 0 12833 MELISSA GOPNIK VP OF INNOVATION 40.00 X 156762 0 21963 SANDRA CHANDUVI VP OF FINANCIAL 40.00 X 152631 0 18096 ASHLEY R WESSIER CHIEF OF STAFF 40.00 X 163086 0 12833 VAUGHN THEO DIRECTOR OF PRODUCT SERVICES 40.00 X 125842 0 13880 MARTIN CHRISTINE VP OF GROWTH STRATEGIES 40.00 X 153594 0 11464 1121895 0 92186 9 0 1 0 COAT RACK WEB SERVICES LLC 3989 WEST 175 SOUTH CEDAR CITY UT 84720 SOFTWARE DEVELOPMENT 325759 1 606132 5781111 6387243 PROGRAM FEES 900099 635986 635986 635986 169059 169059 7192288 635986 0 169059 5546 5546 370700 122492 179695 68513 4258958 3285118 528744 445096 46093 35066 6073 4954 493858 368760 68776 56322 404812 300995 60564 43253 555703 379344 123244 53115 24192 19790 1794 2608 480545 412272 55941 12332 421791 354596 41017 26178 62566 54957 1438 6171 610013 581882 15882 12249 39548 31398 4597 3553 OTHER 40227 4351 35687 189 STAFF RECRUITING 32467 10157 22074 236 CREDIT REPORTS 26511 26511 OPERATIONAL EXPENSES 25641 15520 8378 1743 3662 3106 306 250 7902833 6011861 1154210 736762 1763414 183717 1217777 1234028 2826198 4259447 702539 110551 37072 73639 7073329 5898030 1346145 1175299 2184917 2490430 1000714 696588 11078776 10223699 209767 250393 183170 50050 66585 1254632 865918 1514449 1366066 X 6783597 5269971 2780730 3587662 9564327 8857633 11078776 10223699 -710545 3851 0 X 0 1 X 1 0 X 7432404 6615642 10447522 3952484 6387243 34835295 7432404 6615642 10447522 3952484 6387243 34835295 7128175 27707120 2067 4397 12054 118613 169059 306190 41145 41145 35182630 2123300 0.78750 0.78430 X SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME: OTHER INCOME - 2021 AMOUNT: $ 41,145. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 1930764 1623502 307262 4972660 4104623 868037 169905 169905 0 1175299 SECURITY DEPOSIT 78000 OPERATING LEASE RIGHT OF USE ASSET 618588 696588 OPERATING LEASE LIABILITY 865918 865918 X 7215476 3851 19337 23188 7192288 0 7192288 7922170 19337 19337 7902833 0 7902833 PART X, LINE 2: NTFP DOES NOT BELIEVE ITS FINANCIAL STATEMENTS INCLUDE ANY MATERIAL, UNCERTAIN TAX POSITIONS. TAX FILINGS FOR PERIODS ENDING DECEMBER 31, 2021 AND LATER ARE SUBJECT TO EXAMINATION BY APPLICABLE TAXING AUTHORITIES. 1 NEIGHBORHOOD TR CREDIT UNION 1112 ST NICHOLAS AVE 4TH FL NEW YORK NY 10032 133928139 501(C)(1) 5546 0 CONTRIBUTION 1 PART I, LINE 2: EACH YEAR NEIGHBORHOOD TRUST FINANCIAL PARTNERS PROVIDES A GENERAL CONTRIBUTION TO NEIGHBORHOOD TRUST FEDERAL CREDIT UNION, A RELATED PARTY. THIS GRANT IS TO HELP SUPPORT THE CREDIT UNION'S OPERATIONS DURING THE FISCAL YEAR. X X X 0 0 0 0 0 0 0 0 0 JUSTINE ZINKIN CEO 207614 0 0 0 0 0 1000 0 117 0 208731 0 0 0 MELISSA GOPNIK VP OF INNOVATION 156762 0 0 0 0 0 1000 0 20963 0 178725 0 0 0 ASHLEY R WESSIER CHIEF OF STAFF 163086 0 0 0 0 0 1000 0 11833 0 175919 0 0 0 KRYN BRADLEY ANDERSON CFO 162366 0 0 0 0 0 1000 0 11833 0 175199 0 0 0 SANDRA CHANDUVI VP OF FINANCIAL 152631 0 0 0 0 0 1000 0 17096 0 170727 0 0 0 MARTIN CHRISTINE VP OF GROWTH STRATEGIES 153594 0 0 0 0 0 1000 0 10464 0 165058 0 0 0 FORM 990, PART VI, SECTION B, LINE 11B THE 990 WAS SENT TO THE FULL BOARD OF DIRECTORS VIA E-MAIL PRIOR TO BEING FILED WITH THE IRS. ALL DIRECTORS WERE AFFORDED THE OPPORTUNITY TO ASK QUESTIONS AND OFFER EDITS. THE DECISION OF WHETHER TO MAKE EDITS WAS MADE BY THE CEO. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION HAS A BOARD APPROVED CONFLICTS OF INTEREST POLICY. EACH BOARD MEMBER MUST FILL OUT AN ANNUAL DECLARATION STATING THEY HAD NO CONFLICTS OR IDENTIFYING THE NATURE OF THEIR INTERESTED PARTY TRANSACTIONS. FORM 990, PART VI, SECTION B, LINE 15 EACH YEAR, THE EXECUTIVE COMMITTEE REVIEWS COMPARABLE SALARIES BASED ON A RECOGNIZED STUDY AND REVIEWS THE PERFORMANCE OF THE EXECUTIVE DIRECTOR TO DETERMINE IF THE EXISTING SALARY FALLS WITHIN THESE RANGES. AFTER A DELIBERATION OF THIS MATTER, A NEW PROPOSED SALARY AND BENEFIT PACKAGE IS VOTED ON. EACH YEAR, THE EXECUTIVE COMMITTEE REVIEWS COMPARABLE SALARIES BASED ON A RECOGNIZED STUDY AND REVIEWS THE PERFORMANCE OF OTHER OFFICERS AND KEY EMPLOYEES TO DETERMINE IF THE EXISTING SALARY FALLS WITHIN THESE RANGES. AFTER A DELIBERATION OF THIS MATTER, A NEW PROPOSED SALARY AND BENEFIT PACKAGE IS VOTED ON. FORM 990, PART VI, SECTION C, LINE 19 ORGANIZATIONAL DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. NEIGHBORHOOD TRUST FEDERAL CREDIT UNION 1112 SAINT NICHOLAS AVE 4TH FL NEW YORK NY 10032 133928139 FEDERAL CREDIT UNION NY 501(C)1 N/A 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 NEIGHBORHOOD TRUST FEDERAL CREDIT UNION B 5546 FMV