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.
77¢ of each $1 spent went to programs.
$871K 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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FY2023 · 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
77%
of spending
Looks good: 77% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$871K
to officers and key staff · 14% of spending
Looks good: pay to officers and key staff is 14% of spending; 15% or less.
Pt VII · Sec A
2 mo
of spending, in cash
Plus $51.6M in investments, Pt X · Ln 11–13
Fine: 2.5 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
$2.5M
5% of total assets
Looks good: liabilities are 5% of assets; 50% or less.
Pt X · Ln 26
Independent board members
22
of 26 voting members
Looks good: 22 of 26 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$9.1M
-5% vs prior year
Spent
$6.0M
To programs
77%
Net assets
$52.7M
By yearFY2020–FY2025
Revenue
$9.1M
FY2023▼ -5%
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
$6.0M
FY2023▲ +12%
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
$52.7M
FY2023▲ +11%
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 FY2023 Form 990 (year ending June 2023) · figures checked against the IRS filing · see the original

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You’re viewing the FY2023 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

77 cents of each dollar spent went to programs.

Program services 77% · $4.6M Management & general 14% · $823K Fundraising 9% · $562K

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

29 people listed on the 990; $871K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2022); the FY2023 filing did not itemize Part VII
$208,115Pt VII · Sec A
President
$206,819Pt VII · Sec A
VP of Develo
$155,084Pt VII · Sec A
$145,059Pt VII · Sec A
Marketing Di
$120,939Pt VII · Sec A
$35,272Pt VII · Sec A
$0Pt VII · Sec A
Director
$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.

See Cambridge Community Foundation executive salaries →

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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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1 program · $4.6M · in their own filed words · FY2022
01

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

$4.6Mprogram 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 FY2023 990, line by line.

1The main four
Money inPt VIII
$9.1M
Ln 12
Gifts and grantsLn 1h$5.9M
Investment incomeLn 3$3.0M
Other incomeLn 4–11$96K
Money outPt IX
$6.0M
Ln 25
Programscol B$4.6M
Managementcol C$823K
Fundraisingcol D$562K
Owns and owesPt X
$52.7M
net assets · Ln 32
Cash and savingsLn 1–2$1.3M
Total assetsLn 16$55.3M
LiabilitiesLn 26$2.5M
PeoplePt VI, VII
29
listed · VII A
PaidVII A6
Voting boardVI 1a26
IndependentVI 1b22
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$5.9M
Government grantsLn 1e$685K
Noncash giftsLn 1g$898K
Investment incomeLn 3$3.0M
Other incomeLn 4–11$96K
Gains on assetsLn 7$1.9M
Total revenueLn 12$9.1M
Assets in detailPt X, end of year
CashLn 1$1.3M
SavingsLn 2$3K
Cash and savings togetherLn 1–2$1.3M
InvestmentsLn 11–13$51.6M
Other assetsLn 15$1.3M
Total assetsLn 16$55.3M
LiabilitiesLn 26$2.5M
Net assetsLn 32$52.7M
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 FY23End FY23
Cash and savingsLn 1–2$1.8M$1.3M
InvestmentsLn 11–13$47.3M$51.6M
Total assetsLn 16$50.5M$55.3M
LiabilitiesLn 26$2.9M$2.5M
Net assetsLn 32$47.6M$52.7M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$3.6M$3.6M
Pay of current officers, directors and key staffLn 5$660K$352K$76K$232K
Other salaries and wagesLn 7$767K$236K$351K$180K
Pension plan contributionsLn 8$17K$5K$8K$4K
Other employee benefitsLn 9$108K$33K$49K$25K
Payroll taxesLn 10$85K$25K$31K$28K
Legal feesLn 11b$49K$49K
Accounting feesLn 11c$19K$19K
Other fees for servicesLn 11g$165K$133K$22K$10K
Office expensesLn 13$112K$9K$100K$3K
OccupancyLn 16$107K$32K$40K$36K
InsuranceLn 23$9K$9K
Other expenses (24a–d)Ln 24$312K$200K$69K$43K
Total functional expensesLn 25$6.0M$4.6M$823K$562K

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 Viewing $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 $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 FY2023 990 (6 parts)
Part I · Summary $9,057,773 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $6,244,010$5,930,574
I-9 Program service revenue$0
I-10 Investment incomePrior year $3,243,407$3,031,103
I-11 Other revenuePrior year $18,560$96,096
I-12 Total revenuePrior year $9,505,977$9,057,773
I-13 Grants and similar amounts paidPrior year $3,470,529$3,604,494
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $1,126,794$1,636,855
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $758,812$773,251
I-18 Total expensesPrior year $5,356,135$6,014,600
I-19 Revenue less expensesPrior year $4,149,842$3,043,173
Part VI · Governance 22 of 26 board members independent, no flags
VI-1a Voting members of the governing body26
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 $9,057,773 across 8 lines filed
VIII-1e Government grants$684,945
VIII-1f All other contributions, gifts and grants$5,245,629
VIII-1g Noncash contributions (included above)$897,982
VIII-1h Total contributions, gifts and grants$5,930,574
VIII-3 Investment incomeExcluded from tax $1,104,712$1,104,712
VIII-7 Net gain or loss on sales of assetsExcluded from tax $1,926,391$1,926,391
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $96,096$96,096
VIII-12 Total revenueRelated to mission $96,096 · Excluded from tax $3,031,103$9,057,773
Part IX · Statement of functional expenses $6,014,600 across 13 lines filed
IX-1 Grants to domestic organizationsPrograms $3,604,494$3,604,494
IX-5 Pay of current officers, directors and key staffPrograms $351,639 · Management $75,895 · Fundraising $232,282$659,816
IX-7 Other salaries and wagesPrograms $235,978 · Management $350,553 · Fundraising $180,427$766,958
IX-8 Pension plan contributionsPrograms $5,254 · Management $7,804 · Fundraising $4,017$17,075
IX-9 Other employee benefitsPrograms $33,248 · Management $49,393 · Fundraising $25,422$108,063
IX-10 Payroll taxesPrograms $25,212 · Management $31,394 · Fundraising $28,337$84,943
IX-11b Legal feesManagement $48,743$48,743
IX-11c Accounting feesManagement $18,821$18,821
IX-11g Other fees for servicesPrograms $132,625 · Management $22,444 · Fundraising $9,915$164,984
IX-13 Office expensesPrograms $8,954 · Management $100,305 · Fundraising $2,930$112,189
IX-16 OccupancyPrograms $31,686 · Management $39,616 · Fundraising $36,026$107,328
IX-23 InsuranceManagement $9,298$9,298
IX-24 Other expenses (24a–d)Programs $199,884 · Management $69,183 · Fundraising $42,821$311,888
IX-25 Total functional expensesPrograms $4,628,974 · Management $823,449 · Fundraising $562,177$6,014,600
Part X · Balance sheet $55,289,587 assets, 16 lines filed
X-1 Cash, non-interest-bearingStart of year $897,595$1,273,577
X-2 Savings and temporary cash investmentsStart of year $864,361$2,505
X-3 Pledges and grants receivableStart of year $46,497$1,050,376
X-9 Prepaid expenses and deferred chargesStart of year $11,060$67,744
X-11 Publicly traded securitiesStart of year $47,038,304$51,352,900
X-12 Other securitiesStart of year $284,395$265,815
X-15 Other assetsStart of year $1,300,152$1,276,670
X-16 Total assetsStart of year $50,483,194$55,289,587
X-17 Accounts payable and accrued expensesStart of year $54,562$34,897
X-18 Grants payableStart of year $204,413$321,248
X-25 Other liabilitiesStart of year $2,592,769$2,191,169
X-26 Total liabilitiesStart of year $2,851,744$2,547,314
X-27 Net assets without donor restrictionsStart of year $24,085,659$26,967,150
X-28 Net assets with donor restrictionsStart of year $23,545,791$25,775,123
X-32 Total net assets or fund balancesStart of year $47,631,450$52,742,273
X-33 Total liabilities and net assetsStart of year $50,483,194$55,289,587
Part XI · Reconciliation of net assets $52,742,273 net assets at year end
XI-1 Total revenue$9,057,773
XI-2 Total expenses$6,014,600
XI-3 Revenue less expenses$3,043,173
XI-4 Net assets at start of year$47,631,450
XI-5 Net unrealized gains (losses) on investments$1,975,438
XI-9 Other changes in net assets$92,212
XI-10 Net assets at end of year$52,742,273

Form 990 e-file (XML) FY2023 from the IRS · Classification, formation year and address from the IRS Business Master File

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