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NEIGHBORHOOD TRUST FINANCIAL PARTNERS INC
NEW YORK, NY · EIN 133849263 · Form 990 · FY2024 · NTEE A99 · Arts, Culture & Humanities · Medium ($1M-$10M) · neighborhoodtrust.org
revenue
$7.2M
expenses
$7.9M
net assets
$8.9M
employees
57
volunteers
11
program ratio
76%
mission · from form 990

EMPOWERING LOW-INCOME INDIVIDUALS TO ACHIEVE THEIR FINANCIAL GOALS.

profile · synthesized from sources

Neighborhood Trust Financial Partners provides free financial coaching to low-income individuals, helping them improve credit, manage debt, and achieve financial goals like homeownership. The organization partners with credit unions and employers to deliver services, with a focus on underserved communities in New York City. Clients receive one-on-one support to navigate student loan forgiveness, bankruptcy, and credit repair.

named programs · 2 · from sources

What they call their work

Financial Coaching
One-on-one coaching through credit unions and employer-sponsored TrustPlus to help clients improve credit, manage debt, and prepare for homeownership
TrustPlus
Employer-sponsored financial coaching benefit offered through partnerships with organizations to support employees' financial health
activities · 4 groups

What they do

  • Financial Coaching and Credit Counseling 4 activities
    • Deliver financial coaching through Financial Empowerment Centers in NYC
      Provides free, one-on-one financial coaching to New York City residents across all five boroughs as the lead vendor for the city’s Financial Empowerment Centers initiative, helping clients manage debt, improve credit, and reduce financial stress.
    • Provide workplace-based financial coaching through TrustPlus program
      Delivers free, one-on-one financial coaching to workers through employer partnerships, helping clients reduce debt, improve credit scores, and build financial resilience. The TrustPlus program operates digitally via phone, text, or email and has served over 10,000 workers annually, with 62,450 workers coached nationally since 2012.
    • Support clients in reducing debt and improving credit
      Provides financial coaching that has resulted in over $89.1 million in consumer debt reduction and $6.9 million in collections accounts reduced for clients. Specific outcomes include helping 2,610 workers eliminate their debt, 7,477 clear collections debts, and 6,830 reach prime credit scores.
    • Train credit union staff in financial coaching through Pathways program
      Trains staff at credit unions nationwide to deliver action-oriented financial coaching using Neighborhood Trust’s model and proprietary technology platform. The Pathways to Financial Empowerment program builds institutional capacity for tracking client outcomes and delivering effective coaching services.
  • Nonprofit Sector Research & Data Analysis 1 activity
    • Conduct research on low-wage workers’ financial lives
      Runs the Worker Insights Initiative to generate and share data on the financial behaviors and challenges of low-wage workers, informing product development and policy innovation in the financial services sector.
  • Financial Literacy Education Programs 1 activity
    • Offer financial literacy workshops and educational resources
      Provides educational programming such as the Getting Ahead financial basics workshop in partnership with Global Learning Partners, teaching participants about the U.S. financial system and how to access foundational financial products and services.
  • Uncategorized 1 activity
    • Advocate against predatory lending using client data
      Used data and client stories from the Pathways to Financial Empowerment program to support statewide advocacy efforts, contributing to policy change against predatory lending in New Mexico.
financials · form 990 · fy2024
revenue
Total revenue$7.19M
Contributions & grants$6.39M89%
Program service revenue$636K9%
Investment income$169K2%
Other revenue$0
expenses
Total expenses$7.90M
Program expenses76%
Admin / overhead15%
Fundraising9%
Salaries & benefits$5.57M
Grants paid out$6K
Largest expense lineCompensation
balance sheet
Total assets$10.22M
Cash$1.42M
Investments$2.49M
Liabilities$1.37M
Net assets$8.86M
Liquid reserves5.9 mo
4 years on record · 2020–2024 · YoY revenue +59.2%
leadership · form 990 part vii · fy2024

Who runs it

paid leadership · 7
NameTitleHours/wkCompensation
JUSTINE ZINKIN CEO 40 $209K
MELISSA GOPNIK VP OF INNOVATION 40 $179K
ASHLEY R WESSIER CHIEF OF STAFF 40 $176K
KRYN BRADLEY ANDERSON CFO 40 $175K
SANDRA CHANDUVI VP OF FINANCIAL 40 $171K
MARTIN CHRISTINE VP OF GROWTH STRATEGIES 40 $165K
VAUGHN THEO DIRECTOR OF PRODUCT SERVICES 40 $140K
board members · 11
  • ALEKSANDRA SAKA MOJSILOVI — DIRECTOR
  • ALIAH GREENE — CHAIR
  • BEN APPEN — DIRECTOR
  • CHAUNCY LENNON — SECRETARY
  • FRANCO M BASEGGIO — VICE CHAIR
  • MARIA BEHRENS — DIRECTOR
  • MATTHEW RHODES-KROPF — TREASURER
  • ROB LEVY — DIRECTOR
  • ROSS A GARON — DIRECTOR
  • SEBASTIAN CERIA — DIRECTOR
  • SHELDON GILBERT — DIRECTOR
relationships · 28

Who they work with

  • Cities for Financial Empowerment Fund Network — Partner organization through which Neighborhood Trust has helped replicate the Financial Empowerment Center model in over 60 cities.
  • Cities for Financial Empowerment Fund Partner — Partnership to deliver financial coaching in 61 cities.
  • City of New York Partner — Partnership to operate the Financial Empowerment Centers, offering free one-on-one financial coaching to city residents.
  • City of New York Partner — Partnership to operate the Financial Empowerment Centers, providing free one-on-one financial coaching to NYC residents.
  • Commodore Perry Federal Credit Union Partner — Partner credit union using Pathways to track improvements in credit scores and debt reduction, and to develop member-focused financial products.
  • FinTechs Partner — Collaborates with FinTech companies to co-create financial products and services for low-income workers.
  • Financial Health Network Network — Advisory and network affiliation; leadership from Neighborhood Trust serves on the Financial Health Network’s Financial Health Pulse advisory board.
  • Financial Institutions Partner — Partners with financial institutions to integrate TrustPlus as a feature in their offerings to address worker financial insecurity.
  • Global Learning Partners Partner — Collaborated to develop the Getting Ahead financial basics workshop using adult learning principles.
  • Guadalupe Credit Union Partner — Customer and partner that used data and stories from Neighborhood Trust's Pathways program to support advocacy against predatory lending in New Mexico.
  • Guadalupe Credit Union Partner — Partner credit union that used Pathways data to develop a debt consolidation loan and advocate for state-wide anti-predatory lending legislation.
  • Inclusiv Partner — Collaborates with Neighborhood Trust on the Pathways to Financial Empowerment program to train credit union staff nationwide.
  • Inclusiv Partner — Partnered to launch Pathways, a program that trains credit union staff in financial coaching.
  • Inclusiv Partner — Partnership to deliver the Pathways program, training credit union staff nationwide in action-oriented financial coaching.
  • Inclusiv Partner — Partnership to deliver the Pathways to Financial Empowerment program, training credit union staff nationwide in action-oriented financial coaching.
  • Inclusiv Partner — Partnership to embed financial coaching IP and outcomes tracking platform into credit unions nationwide.
  • Landed Partner — Collaboration highlighted through co-founder feature in client and customer stories.
  • NGOs Partner — Partners with NGOs to share data and insights aimed at improving financial services for low-income workers.
  • Neighborhood Trust Federal Credit Union Partner — Collaborative partner organization; leadership from Neighborhood Trust Financial Partners also serves on its board.
  • Neighborhood Trust Federal Credit Union Partner — Remains a close partner organization after becoming independent in 2012.
  • New Orleans Fireman’s Federal Credit Union Partner — Partner credit union that implemented Pathways to structure counseling sessions and train new counselors.
  • Opportunities Credit Union Partner — Partner credit union where counselors use the Pathways database to track savings, product usage, and send automated client reminders.
  • The Carson Family Charitable Trust Funder — Provides financial support to Neighborhood Trust Financial Partners Inc.
  • TrustPlus Partner — Employer-offered benefit program through which clients receive financial coaching services
  • TrustPlus Partner — Worker financial health solution that pairs workers with financial coaches and provides access to financial products and benefits.
  • banks Partner — Works with banks to develop and promote financial products that meet the needs of low-income workers.
  • credit union Partner — Financial institution partner through which clients access financial coaching and mortgage services
  • policymakers Partner — Engages with policymakers by providing data and insights to shape financial policies that support low-income workers.
strategies · 4

How they approach the work

Named approaches extracted from this org’s sources. Where others share an approach, follow it to see the full set of orgs running it.

  • Client-Centered Financial Coaching
    methodology: client-centered_financial_coaching
    By providing one-on-one, non-judgmental financial coaching, the organization helps clients build personalized financial plans and improve decision-making, because trust and autonomy increase engagement and lead to sustained financial wellness.
  • Data-Informed Market Transformation
    methodology: data_driven_market_transformation
    By collecting data and insights from direct client coaching, the organization influences banks, FinTechs, employers, and policymakers to reform financial products and services, because frontline evidence reveals systemic gaps and drives accountable, equitable innovation in the financial marketplace.
  • Racial Equity-Centered Systems Change
    methodology: racial_equity-centered_financial_empowerment
    By integrating analysis of systemic racism into financial program design, the organization addresses root causes of financial insecurity among low-wage workers, because equitable solutions require intentional focus on structural inequity and worker-led accountability.
  • Workplace-Embedded Financial Empowerment
    methodology: workplace-based_financial_empowerment
    By delivering financial coaching through workplaces and credit unions, the organization increases access and scalability, because trusted institutional platforms reduce barriers and align financial health with employment and banking relationships.