Neighborhood Trust Financial Partners

What it reported doing in 2025

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.

Financial Efficiency

• Mission deployment rate: 93.4%; rating input score 93
• Program expense ratio: 78.1%; rating input score 78
• Fundraising efficiency: $8.98 raised per $1 spent on fundraising; rating input score 32; 32nd percentile among comparable filings

Transparency & Controls

• Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
• Pay-setting controls: 3 of 6 controls in place; rating input score 50
  • Compensation committee: Pass
  • Independent consultant: Missing
  • Other Form 990s reviewed: Missing
  • Written employment contract: Missing
  • Compensation survey or study: Pass
  • Board or committee approval: Pass
• Foreign activity oversight: Limited
• Grant itemization coverage: Limited
• Major donor itemization: Yes; rating input score 100
• Related-party transparency: Limited

Accountability

• Independent voting board: 88.9%; rating input score 89; 21st percentile among comparable filings
• Governance controls: 9 of 9 controls in place; rating input score 100
  • Conflict-of-interest policy: Pass
  • Whistleblower policy: Pass
  • Document-retention policy: Pass
  • CEO compensation review process: Pass
  • Other executive compensation review process: Pass
  • Form 990 shared with the board: Pass
  • Board meeting minutes documented: Pass
  • Audit committee oversight: Pass
  • Independent financial-statement audit: Pass

Sustainability

• Operating margin: -19.4%; rating input score 5; 5th percentile among comparable filings
• Total-asset coverage ratio: 1.1; rating input score 37; 37th percentile among comparable filings
• Liabilities to assets ratio: 0.12; rating input score 45; 45th percentile among comparable filings
• Officer compensation ratio: 14.8%; rating input score 23; 23rd percentile among comparable filings

Growth

• Program expense growth: 4.7% per year; rating input score 100; 34th percentile among comparable filings
• Revenue growth: 4.7% per year; rating input score 100; 35th percentile among comparable filings
• Asset growth: 6.5% per year; rating input score 100; 41st percentile among comparable filings