Unfcu Foundation Inc

What it reported doing in 2025

Livelihood training: global fund for widows is dedicated to empowering widows and female heads of households to overcome poverty through skills-based training, job creation, and micro-finance. Gfw will support 125 widows to create five savings and loan associations to bring economic security to 1,400 individuals in kenya. The five savings and loans groups will be owned, managed and governed by the widows to provide financial inclusion and access to capital.hot bread kitchen creates economic opportunity for immigrant women and women of color in nyc, through job skills training, food entrepreneurship programs and an ecosystem of holistic care. Hbk will enroll 247 women in their culinary fundamentals training program across nyc, including 178 members who will participate culinary fundamentals tailored to the needs of migrants and asylum seekers. Graduated participants will be placed in high-quality jobs in the food industry within hbk's network of 200+ employer partners.imagine her's mission is to prepare rural young women and youth in uganda to become thriving social entrepreneurs. Imagine her will support 350 rural young women and youth to participate in the "green energy lab," which aims to catalyze employment opportunities for rural women in the green energy sector and empower them to become environmentally conscious entrepreneurs and champions of sustainability. Mission for community development (mcode) empowers individuals to improve their lives and promote community driven development in rural areas of uganda. Mcode will support 90 young women in their organic agricultural vocational training program to launch a registered cooperative and sell two high-demand export vegetables, habanero and cayenne peppers. They will provide coaching and mentorship through a horticulture training company to provide a market for the products, and support to achieve certifications at an accredited farming institute. Refushe's mission is to protect, educate, and empower orphaned, unaccompanied, and separated refugee girls and young women so they can build healthier and more resilient futures for themselves and their children. Refushe's artisan collective is a social enterprise that will graduate 20 young women into two-year apprenticeships to gain advanced tailoring skills, entrepreneurship education and access to small loans.sanctuary for families is New York's largest nonprofit provider of wrap-around services exclusively for survivors of domestic violence, sex trafficking, and related forms of gender-based violence. Sanctuary's economic empowerment program (eep) will cover stipends for 150 women and youth to make internships accessible for participants and help prepare them for living-wage jobs.together we bake's (twb) mission is to provide a comprehensive workforce training and personal development program for underserved and underrepresented women. Twb will recruit and train 45 women, and provide post program support to 150 alumni team members. Alumni team members will receive post-program professional development support services through the workforce development specialist.trickle up works with ultra-poor women in guatemala to help them access financial inclusion services. Trickle up will support 250 indigenous women through the progresa program, a two-year initiative designed to strengthen and institutionalize economic inclusion programming in ixcn, guatemala, while laying the foundation for scale to other municipalities. Participants will be enrolled in village savings and loans associations (vslas), receive financial education, livelihoods coaching, and trainings, and receive seed grants.village enterprise utilizes the graduation approach to address the challenges of women living in rural poverty in uganda by providing access to business savings groups, financial literacy, sustainability training, membership and a cash grant as seed capital. The program will start 60 small businesses, impacting the lives of 180 women entrepreneurs,

Financial Efficiency

• Mission deployment rate: 81.6%; rating input score 82
• Program expense ratio: 87.9%; rating input score 88
• Fundraising efficiency: $15.63 raised per $1 spent on fundraising; rating input score 48; 48th percentile among comparable filings

Transparency & Controls

• Consistency checks: 93.8%; rating input score 94; 25th percentile among comparable filings
• Pay-setting controls: Limited
• Foreign activity oversight: 1 of 8 controls in place; rating input score 12
  • Claims monitoring procedures: Pass
  • Requires narrative reports: Fail
  • Conducts field audits: Fail
  • May suspend future funding: Fail
  • Requires financial reports: Fail
  • Conducts site visits: Fail
  • Requires grant agreements: Fail
  • May require repayment: Fail
• Grant itemization coverage: 98.2%; rating input score 98; 50th percentile among comparable filings
• Major donor itemization: Yes; rating input score 100
• Related-party transparency: Limited

Accountability

• Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
• Governance controls: 6 of 7 controls in place; rating input score 86
  • Conflict-of-interest policy: Pass
  • Whistleblower policy: Pass
  • Document-retention policy: Fail
  • CEO compensation review process: NotApplicable
  • Other executive compensation review process: NotApplicable
  • Form 990 shared with the board: Pass
  • Board meeting minutes documented: Pass
  • Audit committee oversight: Pass
  • Independent financial-statement audit: Pass

Sustainability

• Operating margin: 7.3%; rating input score 50; 50th percentile among comparable filings
• Total-asset coverage ratio: 0.61; rating input score 29; 29th percentile among comparable filings
• Liabilities to assets ratio: 0.04; rating input score 46; 46th percentile among comparable filings
• Officer compensation ratio: 0%; rating input score 78; 78th percentile among comparable filings

Growth

• Program expense growth: 10% per year; rating input score 100; 57th percentile among comparable filings
• Revenue growth: 11% per year; rating input score 100; 64th percentile among comparable filings
• Asset growth: 16.4% per year; rating input score 100; 72nd percentile among comparable filings