2026-08-03T13:12:12-05:00 2025-12-31 334358135 SAX ADVISORS LLC 1040 AVENUE OF THE AMERICAS 16TH FLOOR NEW YORK NY 10018 990 2025-01-01 133849263 NEIGHBORHOOD TRUST FINANCIAL PARTNERS INC NEIG 2129275771 530 WEST 166TH STREET 4TH FLOOR NEW YORK NY 10032 JUSTINE ZINKIN CEO 2129275771 2026-08-03 1 MIKE SCHALL P02024184 2122682804 2026-08-03 2025 2025-03-06 01:10:19Z JUSTINE ZINKIN 530 WEST 166TH STREET 4TH FLOOR NEW YORK NY 10032 6537793 0 X WWW.NEIGHBORHOODTRUST.ORG X 1996 NY EMPOWERING LOW-INCOME INDIVIDUALS TO ACHIEVE THEIR FINANCIAL GOALS. 9 8 55 11 0 0 6387243 5885884 635986 502431 169059 87023 0 62455 7192288 6537793 5546 0 0 0 5574421 5266707 0 0 655740 2322866 2539085 7902833 7805792 -710545 -1267999 10223699 8587584 1366066 1007327 8857633 7580257 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 6098761 502431 NEIGHBORHOOD TRUST FINANCIAL PARTNERS IS A NATIONAL, LEADING PROVIDER OF FINANCIAL EMPOWERMENT SERVICES FOR LOW-INCOME WORKERS. IN 2025, WE HELPED OVER 8,000 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 INCLUSIVE FINANCIAL 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 EMPLOYERS, BENEFITS NETWORKS, FINANCIAL INSTITUTIONS, AND FINTECHS AS CUSTOMERS. OUR PATHWAYS SERVICE PROMOTES 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. 6098761 1 1 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 11 0 1 55 1 0 0 0 0 0 0 0 0 0 0 0 0 X 9 8 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 NY X X KRYN ANDERSON 2129275771 530 WEST 166TH STREET 4TH FLOOR NEW YORK NY 10032 JUSTINE ZINKIN CEO 40.00 X X 210179 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 ROSS A GARON DIRECTOR 2.00 X 0 0 0 SHELDON GILBERT DIRECTOR 2.00 X 0 0 0 MARIA BEHRENS DIRECTOR 2.00 X 0 0 0 SEBASTIAN CERIA DIRECTOR (THROUGH 4/25) 2.00 X 0 0 0 BEN APPEN DIRECTOR (THROUGH 4/25) 2.00 X 0 0 0 ROB LEVY DIRECTOR (BEGAN 10/25) 2.00 X 0 0 0 KRYN BRADLEY ANDERSON CFO 40.00 X 163489 0 11958 ASHLEY R WESSIER CHIEF OF STAFF 40.00 X 163129 0 11958 SANDRA CHANDUVI VP OF FINANCIAL 40.00 X 157619 0 25314 THEO VAUGHN DIRECTOR OF PRODUCT 40.00 X 131649 0 7843 MILAGROS DUBOUCHET DIRECTOR, SALES & STRATEGIC PARTNERSHIPS 40.00 X 127943 0 10958 KATHERY ZAPATA SENIOR CONTROLLER 40.00 X 120932 0 11371 1074940 0 80519 10 0 1 0 COAT RACK WEB SERVICES LLC 3989 WEST 175 SOUTH CEDAR CITY UT 84720 SOFTWARE DEVELOPMENT 346207 1 751066 5134818 5885884 PROGRAM FEES 900099 502431 502431 502431 87023 87023 OTHER REVENUE 900099 62455 62455 62455 6537793 502431 0 149478 X 386627 131393 150937 104297 3993006 3100526 524254 368226 43450 34541 5388 3521 454912 358030 55726 41156 388712 301110 53262 34340 860189 687403 121207 51579 16136 14825 293 1018 474718 413785 51570 9363 441321 379893 37337 24091 14214 10507 1569 2138 614352 587778 15778 10796 39067 31468 4514 3085 CREDIT REPORTS 26411 26411 OPERATIONAL EXPENSES 21093 16600 2656 1837 STAFF RECRUITING 17729 17700 29 OTHER 9556 794 8743 19 4299 3697 357 245 7805792 6098761 1051291 655740 183717 115232 1234028 2190281 4259447 3625833 110551 59611 73639 108328 7466026 6512382 1175299 953644 2490430 1154393 696588 380262 10223699 8587584 250393 273604 183170 198476 66585 87056 865918 448191 1366066 1007327 X 5269971 3125381 3587662 4454876 8857633 7580257 10223699 8587584 -1267999 -9377 0 X 0 1 X 1 0 X 6615642 10447522 3952484 6387243 5885884 33288775 6615642 10447522 3952484 6387243 5885884 33288775 6342816 26945959 4397 12054 118613 169059 87023 391146 41145 59694 100839 33780760 2458451 0.79770 0.78750 X SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME: OTHER INCOME - 2021 AMOUNT: $ 41,145. 2025 AMOUNT: $ 59,694. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 1930764 1792090 138674 5365357 4550387 814970 169905 169905 0 953644 OPERATING LEASE LIABILITY 448191 448191 X 6528416 -9377 -9377 6537793 0 6537793 7805792 0 7805792 0 7805792 PART X, LINE 2: NTFP DOES NOT BELIEVE ITS FINANCIAL STATEMENTS INCLUDE ANY MATERIAL, UNCERTAIN TAX POSITIONS. TAX FILINGS FOR PERIODS ENDING DECEMBER 31, 2022 AND LATER ARE SUBJECT TO EXAMINATION BY APPLICABLE TAXING AUTHORITIES. X X X 0 0 0 0 0 0 0 0 0 JUSTINE ZINKIN CEO 210179 0 0 0 0 0 1000 0 117 0 211296 0 0 0 SANDRA CHANDUVI VP OF FINANCIAL 157619 0 0 0 0 0 1000 0 24314 0 182933 0 0 0 KRYN BRADLEY ANDERSON CFO 163489 0 0 0 0 0 1000 0 10958 0 175447 0 0 0 ASHLEY R WESSIER CHIEF OF STAFF 163129 0 0 0 0 0 1000 0 10958 0 175087 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. FORM 990, PART IX, LINE 11G SALESFORCE MERGER CONSULTANT: PROGRAM SERVICE EXPENSES 186,225. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 186,225. SOFTWARE DEVELOPER CONSULTANT: PROGRAM SERVICE EXPENSES 344,463. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 344,463. COMMUNICATION CONSULTANT: PROGRAM SERVICE EXPENSES 0. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 31,800. TOTAL EXPENSES 31,800. MARKETING AND PUBLIC RELATIONS: PROGRAM SERVICE EXPENSES 120,000. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 120,000. OTHER PROFESSIONAL FEES: PROGRAM SERVICE EXPENSES 36,715. MANAGEMENT AND GENERAL EXPENSES 121,207. FUNDRAISING EXPENSES 19,779. TOTAL EXPENSES 177,701. 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