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
79 cents of each dollar spent went to programs.
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; $1.2M paid to officers and key staff.
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
| Name | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| 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.
Questions for Cambridge Community Foundation
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Grants paid to non profit agencies in the cambridge area that provide services to the local population at large.
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2024 990, line by line.
Download 990
| Line | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|
| End of yearLn 1g | $45.0M | $41.5M | $39.1M | $46.0M | $38.3M |
| Given inLn 1b | $562K | $421K | $462K | $248K | $610K |
| SpentLn 1d–1f | $2.5M | $2.0M | $2.3M | $2.2M | $2.7M |
| Line | Start FY24 | End FY24 |
|---|---|---|
| Cash and savingsLn 1–2 | $1.3M | $1.0M |
| InvestmentsLn 11–13 | $51.6M | $60.0M |
| Total assetsLn 16 | $55.3M | $62.7M |
| LiabilitiesLn 26 | $2.5M | $3.1M |
| Net assetsLn 32 | $52.7M | $59.6M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic organizationsLn 1 | $4.7M | $4.7M | ||
| Grants to domestic individualsLn 2 | $9K | $9K | ||
| Pay of current officers, directors and key staffLn 5 | $700K | $392K | $81K | $227K |
| Other salaries and wagesLn 7 | $896K | $346K | $339K | $212K |
| Pension plan contributionsLn 8 | $20K | $8K | $8K | $4K |
| Other employee benefitsLn 9 | $138K | $49K | $44K | $45K |
| Payroll taxesLn 10 | $95K | $34K | $30K | $31K |
| Legal feesLn 11b | $118K | $5K | $88K | $24K |
| Accounting feesLn 11c | $28K | $28K | ||
| Other fees for servicesLn 11g | $389K | $339K | $42K | $8K |
| Office expensesLn 13 | $192K | $15K | $165K | $12K |
| OccupancyLn 16 | $125K | $44K | $40K | $41K |
| InsuranceLn 23 | $3K | $3K | ||
| Other expenses (24a–d)Ln 24 | $209K | $85K | $845 | $123K |
| Total functional expensesLn 25 | $7.6M | $6.0M | $869K | $728K |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 LatestFiled with the IRS Dec 1, 2025 | $11.8M | $7.0M | $4.8M | $65.6M | 990 PDF |
| FY2024 ViewingFiled with the IRS Nov 20, 2024 | $10.2M | $7.6M | $2.6M | $59.6M | 990 PDF |
| FY2023Filed with the IRS Jan 16, 2024 | $9.1M | $6.0M | $3.0M | $52.7M | 990 PDF |
| FY2022Filed with the IRS Dec 6, 2022 | $9.5M | $5.4M | $4.1M | $47.6M | 990 PDF |
| FY2021Filed with the IRS Apr 9, 2022 | $8.7M | $6.6M | $2.1M | $52.8M | 990 PDF |
| FY2020Filed with the IRS Jan 30, 2021 | $4.5M | $4.9M | −$348K | $44.1M | 990 PDF |
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Schedules filed Part IV
See the full FY2024 990 (6 parts)
Part I · Summary $10,188,009 revenue, 12 lines filed
Part VI · Governance 19 of 21 board members independent, no flags
Part VIII · Statement of revenue $10,188,009 across 8 lines filed
Part IX · Statement of functional expenses $7,623,052 across 14 lines filed
Part X · Balance sheet $62,720,429 assets, 17 lines filed
Part XI · Reconciliation of net assets $59,626,050 net assets at year end
Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File
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