Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Jul 1995.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
86 cents of each dollar spent went to programs.
Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.
Something off? Claim to add context
Who runs it and what they're paid
15 people listed on the 990; $182K paid to officers and key staff.
Pamela Zagorski’s $95K as Executive Director is at the 17th percentile of top reported officer pay among 2832 $1–10M community development nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.
Compensation history total reportable pay by year · 4 named individuals · Part VII
| Name | FY2025 | FY2024 | FY2021 |
|---|---|---|---|
| Pamela Zagorski | $94,972 | $37,383 | — |
| Alyson Frederick | $87,158 | $18,291 | — |
| Nomi Giszpenc | — | — | $69,835 |
| Christina Jones | — | — | $10,511 |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
See Cooperative Development Institute INC executive salaries →Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Develops and trains cooperatives to empower communities.
Questions for Cooperative Development Institute INC
Your first name shows with your question. Cooperative Development Institute INC answers here, for everyone.
New England Resident-Owned Communities (neroc)
Cdi's neroc program has helped residents of 66 manufactured home communities across new england raise more than $328 million in capital to purchase their communities and permanently preserved more than 6,634 units of affordable HOUSING.MANUFACTURED homes are an essential source of affordable housing in new england.
Business Ownership Solutions (bos)
Since bos was founded in 2013, we have led 35 businesses through transitions to employee-owned cooperatives, creating ownership opportunities for more than 600 workers and helping them secure more than $36 million in capital to buy those BUSINESSES.IN december 2025, cdi's bos program was awarded a $900,000 grant from JP morgan chase to…
Cooperative Business Services (cbs)
CBS has helped to form 190 co-ops, representing 914 new jobs, and has assisted more than 221 existing co-ops with growth and transformation PLANNING.CBS supports cooperative startups and established cooperatives meet their needs through technical assistance and training.
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
Federal money
Plus 6 smaller programs.
The auditor reported 10 findings: a material weakness in money controls.
Plus 3 smaller programs.
The auditor reported: a material weakness in money controls.
By the numbers
The FY2025 990, line by line.
Download 990
| Line | Start FY25 | End FY25 |
|---|---|---|
| Cash and savingsLn 1–2 | $2.6M | $2.4M |
| Total assetsLn 16 | $3.3M | $3.4M |
| LiabilitiesLn 26 | $976K | $720K |
| Net assetsLn 32 | $2.3M | $2.7M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic individualsLn 2 | $54K | $54K | ||
| Pay of current officers, directors and key staffLn 5 | $226K | $182K | $45K | |
| Other salaries and wagesLn 7 | $2.4M | $1.9M | $475K | |
| Pension plan contributionsLn 8 | $44K | $36K | $9K | |
| Other employee benefitsLn 9 | $419K | $336K | $83K | |
| Payroll taxesLn 10 | $208K | $167K | $41K | |
| Legal feesLn 11b | $43K | $43K | ||
| Accounting feesLn 11c | $49K | $49K | ||
| Other fees for servicesLn 11g | $2.4M | $2.2M | $158K | |
| Advertising and promotionLn 12 | $17K | $14K | $3K | |
| Office expensesLn 13 | $45K | $37K | $8K | |
| OccupancyLn 16 | $119K | $98K | $21K | |
| TravelLn 17 | $206K | $171K | $35K | |
| Conferences, conventions and meetingsLn 19 | $8K | $6K | $1K | |
| InterestLn 20 | $4K | $3K | $659 | |
| InsuranceLn 23 | $21K | $17K | $4K | |
| Other expenses (24a–d)Ln 24 | $193K | $160K | $34K | |
| All other expensesLn 24e | $9K | $4K | $4K | |
| Total functional expensesLn 25 | $6.4M | $5.5M | $922K | $4K |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest ViewingFiled with the IRS May 14, 2026 | $6.8M | $6.4M | $349K | $2.7M | 990 PDF |
| FY2024Filed with the IRS May 15, 2025 | $4.4M | $4.4M | $34K | $2.3M | 990 PDF |
| FY2023Filed with the IRS Jul 21, 2024 | $3.7M | $4.5M | −$717K | $2.1M | 990 PDF |
| FY2022Filed with the IRS May 12, 2023 | $5.0M | $3.2M | $1.8M | $2.9M | 990 PDF |
| FY2021Filed with the IRS May 10, 2022 | $3.7M | $3.3M | $463K | $1.1M | 990 PDF |
| FY2020Filed with the IRS Feb 6, 2021 | $2.4M | $2.5M | −$71K | $706K | 990 PDF |
Schedules filed Part IV
See the full FY2025 990 (6 parts)
Part I · Summary $6,771,830 revenue, 12 lines filed
Part VI · Governance 9 of 9 board members independent, no flags
Part VIII · Statement of revenue $6,771,830 across 7 lines filed
Part IX · Statement of functional expenses $6,423,174 across 18 lines filed
Part X · Balance sheet $3,381,190 assets, 12 lines filed
Part XI · Reconciliation of net assets $2,661,426 net assets at year end
Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File
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