Cambridge Community Foundation (ccf) is dedicated to improving the quality of life for the residents of Cambridge. Founded in 1916, ccf serves the city through its civic leadership and support of nonprofit Community organizations. Direct financial grants, providing technical assistance, and forming partnerships among organizations to coordinate services, address gaps, and highlight emerging issues. Ccf supports work in the following six areas: early childhood services youth services senior services Community services emergency services arts and the environment

501(c)(3) charity; gifts are tax-deductible.
82¢ of each $1 spent went to programs.
$182K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

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FY2020 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
5 of 6
filings with a surplus
Average surplus $2.7M a year · 30% of revenue · last 6 filings
Fine: a surplus in 5 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
82%
of spending
Looks good: 82% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$182K
to officers and key staff · 4% of spending
Looks good: pay to officers and key staff is 4% of spending; 15% or less.
Pt VII · Sec A
3 mo
of spending, in cash
Plus $43.8M in investments, Pt X · Ln 11–13
Fine: 2.6 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
17
named funders · $2.4M
Looks good: 17 funders name it on their filings; 3 or more.
Funders’ Sch. I, 990-PF
Liabilities
$1.5M
3% of total assets
Looks good: liabilities are 3% of assets; 50% or less.
Pt X · Ln 26
Independent board members
22
of 25 voting members
Looks good: 22 of 25 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$4.5M
Spent
$4.9M
To programs
82%
Net assets
$44.1M
By yearFY2020–FY2025
Revenue
$4.5M
FY2020
Tap a bar for its year
Revenue by fiscal year
FY2020$4.5M
FY2021$8.7M
FY2022$9.5M
FY2023$9.1M
FY2024$10.2M
FY2025$11.8M
Expenses
$4.9M
FY2020
Tap a bar for its year
Expenses by fiscal year
FY2020$4.9M
FY2021$6.6M
FY2022$5.4M
FY2023$6.0M
FY2024$7.6M
FY2025$7.0M
Net assets
$44.1M
FY2020
Tap a bar for its year
Net assets by fiscal year
FY2020$44.1M
FY2021$52.8M
FY2022$47.6M
FY2023$52.7M
FY2024$59.6M
FY2025$65.6M

From the FY2020 Form 990 (year ending June 2020) · figures checked against the IRS filing · see the original

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You’re viewing the FY2020 filing — not the latest on file. See the latest (FY2025) →

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Jan 1944.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

82 cents of each dollar spent went to programs.

Program services 82% · $4.0M Management & general 11% · $546K Fundraising 6% · $305K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

27 people listed on the 990; $182K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2019); the FY2020 filing did not itemize Part VII
President
$182,388Pt VII · Sec A
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A

Cambridge Trust Company’s $267K as Trustee is at the 60th percentile of top reported officer pay among 661 $10–100M philanthropy & grantmaking 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 · 8 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Cambridge Trust Company$266,585$247,393$208,115$213,014$198,921—
Geeta Pradhan$221,524$212,967$206,819$190,542$177,287$182,388
Michal Rubin$167,066$169,985$155,084$140,549$136,746—
Geoffrey O'Connell$152,359$144,167$145,059$109,763——
Christina Turner$139,777$114,986————
Lauren Marshall$137,210$134,323$120,939$109,224——
Elizabeth Patton$122,548—————
Wen Lo$121,648$104,867————

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.

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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

Distributes grants, provides technical assistance, and partners with local nonprofits to improve the quality of life for Cambridge residents across diverse community sectors.

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Provided by the organization

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1 program · $4.0M · in their own filed words · FY2019
01

Grants paid to non profit agencies in the cambridge area that provide services to the local population at large.

$4.0Mprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · received and paid
Grants received · FY2024
See all 17 funders →
Grants paid · 630 grants · $17.1M · 2019–2024
Solidaire Network INCCA · FY2024$200,000
Cambridge Community Center INCMA · FY2024$160,914
Cambridge News INCMA · FY2024$128,333
Falcon Pride ScholarsFY2024$61,000
Bard CollegeNY · FY2024$60,000
Daily TableMA · FY2024$50,000
Cambridge Art AssociationMA · FY2024$46,089
Just a Start INCMA · FY2024$46,000
Cambridge Public SchoolsFY2024$45,890
Food for Free Committee INCMA · FY2024$45,141
See all 630 grants →

By the numbers

The FY2020 990, line by line.

1The main four
Money inPt VIII
$4.5M
Ln 12
Gifts and grantsLn 1h$3.2M
Investment incomeLn 3$1.3M
Other incomeLn 4–11$35K
Money outPt IX
$4.9M
Ln 25
Programscol B$4.0M
Managementcol C$546K
Fundraisingcol D$305K
Owns and owesPt X
$44.1M
net assets · Ln 32
Cash and savingsLn 1–2$1.0M
Total assetsLn 16$45.6M
LiabilitiesLn 26$1.5M
PeoplePt VI, VII
27
listed · VII A
PaidVII A1
Voting boardVI 1a25
IndependentVI 1b22
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$3.2M
Noncash giftsLn 1g$122K
Fundraising eventsLn 1c$272K
Investment incomeLn 3$1.3M
Other incomeLn 4–11$35K
Gains on assetsLn 7$457K
Total revenueLn 12$4.5M
Assets in detailPt X, end of year
CashLn 1$986K
SavingsLn 2$59K
Cash and savings togetherLn 1–2$1.0M
InvestmentsLn 11–13$43.8M
Land, buildings, equipmentLn 10c$3K
Other assetsLn 15$496K
Total assetsLn 16$45.6M
LiabilitiesLn 26$1.5M
Net assetsLn 32$44.1M
OperationsPt I, VI
EmployeesI 511
VolunteersI 635
Fiscal year endsHeaderJune
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY20End FY20
Cash and savingsLn 1–2$844K$1.0M
InvestmentsLn 11–13$43.1M$43.8M
Land, buildings, equipmentLn 10c$28K$3K
Total assetsLn 16$44.5M$45.6M
LiabilitiesLn 26$1.4M$1.5M
Net assetsLn 32$43.1M$44.1M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$3.2M$3.2M
Grants to domestic individualsLn 2$16K$16K
Pay of current officers, directors and key staffLn 5$232K$116K$58K$58K
Other salaries and wagesLn 7$595K$260K$211K$124K
Other employee benefitsLn 9$96K$42K$28K$26K
Payroll taxesLn 10$53K$19K$20K$14K
Legal feesLn 11b$15K$15K
Accounting feesLn 11c$35K$35K
Investment management feesLn 11f$211K$211K
Other fees for servicesLn 11g$108K$100K$5K$3K
Advertising and promotionLn 12$27K$25K$1K
Office expensesLn 13$116K$11K$99K$7K
Information technologyLn 14$22K$9K$8K$6K
OccupancyLn 16$40K$16K$14K$10K
TravelLn 17$2K$1K$1K
Conferences, conventions and meetingsLn 19$7K$3K$3K$2K
Depreciation, depletion and amortizationLn 22$25K$10K$9K$6K
InsuranceLn 23$6K$6K
Other expenses (24a–d)Ln 24$85K$27K$10K$48K
Total functional expensesLn 25$4.9M$4.0M$546K$305K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $11.8M$7.0M$4.8M$65.6M 990 PDF
FY2024 $10.2M$7.6M$2.6M$59.6M 990 PDF
FY2023 $9.1M$6.0M$3.0M$52.7M 990 PDF
FY2022 $9.5M$5.4M$4.1M$47.6M 990 PDF
FY2021 $8.7M$6.6M$2.1M$52.8M 990 PDF
FY2020 Viewing $4.5M$4.9M−$348K$44.1M 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support M · Noncash J · Pay O · Explanations
See the full FY2020 990 (6 parts)
Part I · Summary $4,512,445 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $2,672,643$3,172,080
I-9 Program service revenue$0
I-10 Investment incomePrior year $3,131,015$1,305,778
I-11 Other revenuePrior year −$23,305$34,587
I-12 Total revenuePrior year $5,780,353$4,512,445
I-13 Grants and similar amounts paidPrior year $1,867,845$3,184,654
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $1,045,644$975,820
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $379,851$699,824
I-18 Total expensesPrior year $3,293,340$4,860,298
I-19 Revenue less expensesPrior year $2,487,013−$347,853
Part VI · Governance 22 of 25 board members independent, no flags
VI-1a Voting members of the governing body25
VI-1b Independent voting members22
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $4,512,445 across 10 lines filed
VIII-1b Membership dues$9,900
VIII-1c Fundraising events$272,020
VIII-1f All other contributions, gifts and grants$2,890,160
VIII-1g Noncash contributions (included above)$121,752
VIII-1h Total contributions, gifts and grants$3,172,080
VIII-3 Investment incomeExcluded from tax $848,868$848,868
VIII-7 Net gain or loss on sales of assetsExcluded from tax $456,910$456,910
VIII-8 Net income from fundraising eventsExcluded from tax −$15,260−$15,260
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $49,394 · Excluded from tax $453$49,847
VIII-12 Total revenueRelated to mission $49,394 · Excluded from tax $1,290,971$4,512,445
Part IX · Statement of functional expenses $4,860,298 across 19 lines filed
IX-1 Grants to domestic organizationsPrograms $3,169,154$3,169,154
IX-2 Grants to domestic individualsPrograms $15,500$15,500
IX-5 Pay of current officers, directors and key staffPrograms $116,197 · Management $58,099 · Fundraising $58,099$232,395
IX-7 Other salaries and wagesPrograms $259,673 · Management $211,097 · Fundraising $123,731$594,501
IX-9 Other employee benefitsPrograms $42,441 · Management $27,540 · Fundraising $26,046$96,027
IX-10 Payroll taxesPrograms $18,809 · Management $20,120 · Fundraising $13,968$52,897
IX-11b Legal feesManagement $14,787$14,787
IX-11c Accounting feesManagement $35,320$35,320
IX-11f Investment management feesPrograms $210,893$210,893
IX-11g Other fees for servicesPrograms $100,323 · Management $5,208 · Fundraising $2,553$108,084
IX-12 Advertising and promotionManagement $25,290 · Fundraising $1,385$26,675
IX-13 Office expensesPrograms $11,133 · Management $98,571 · Fundraising $6,630$116,334
IX-14 Information technologyPrograms $8,738 · Management $7,982 · Fundraising $5,588$22,308
IX-16 OccupancyPrograms $15,668 · Management $14,312 · Fundraising $10,020$40,000
IX-17 TravelPrograms $1,022 · Fundraising $1,022$2,044
IX-19 Conferences, conventions and meetingsPrograms $2,567 · Management $2,567 · Fundraising $2,200$7,334
IX-22 Depreciation, depletion and amortizationPrograms $9,747 · Management $8,903 · Fundraising $6,233$24,883
IX-23 InsuranceManagement $6,096$6,096
IX-24 Other expenses (24a–d)Programs $26,682 · Management $10,367 · Fundraising $48,017$85,066
IX-25 Total functional expensesPrograms $4,008,547 · Management $546,259 · Fundraising $305,492$4,860,298
Part X · Balance sheet $45,615,345 assets, 19 lines filed
X-1 Cash, non-interest-bearingStart of year $411,372$985,724
X-2 Savings and temporary cash investmentsStart of year $432,737$58,872
X-3 Pledges and grants receivableStart of year $83,523$243,373
X-9 Prepaid expenses and deferred chargesStart of year $27,706$31,647
X-10c Land, buildings and equipment, netStart of year $28,069$3,186
X-11 Publicly traded securitiesStart of year $42,673,839$43,479,205
X-12 Other securitiesStart of year $377,351$317,103
X-15 Other assetsStart of year $469,304$496,235
X-16 Total assetsStart of year $44,503,901$45,615,345
X-17 Accounts payable and accrued expensesStart of year $53,230$35,370
X-18 Grants payableStart of year $500$30,000
X-19 Deferred revenue$25,500
X-24 Unsecured notes and loans payable$158,836
X-25 Other liabilitiesStart of year $1,386,162$1,268,703
X-26 Total liabilitiesStart of year $1,439,892$1,518,409
X-27 Net assets without donor restrictionsStart of year $19,827,471$20,471,620
X-28 Net assets with donor restrictionsStart of year $23,236,538$23,625,316
X-32 Total net assets or fund balancesStart of year $43,064,009$44,096,936
X-33 Total liabilities and net assetsStart of year $44,503,901$45,615,345
Part XI · Reconciliation of net assets $44,096,936 net assets at year end
XI-1 Total revenue$4,512,445
XI-2 Total expenses$4,860,298
XI-3 Revenue less expenses−$347,853
XI-4 Net assets at start of year$43,064,009
XI-5 Net unrealized gains (losses) on investments$1,314,427
XI-9 Other changes in net assets$66,353
XI-10 Net assets at end of year$44,096,936

Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File

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