Northern Bank & Trust Charitable Foundation Inc
Woburn, MA · EIN 46-1606139. Reported 78 grants totalling $1,405,106 to 52 organizations across tax years 2021-2024. This foundation did not tell the IRS it funds only preselected organizations.
Does this foundation accept applications?
Yes -- on its own tax return. Form 990-PF asks every private foundation whether it makes grants only to organizations it selects itself. Of the 91,758 foundations in our data that made a grant and answered, 78% said yes -- and applying to those is wasted effort. Northern Bank & Trust Charitable Foundation Inc did not check that box on its most recent filing, which puts it in the minority that is at least open to being approached.
How big are its grants?
The median grant is $10,000. Half of everything it gave fell between $3,000 and $12,500; the smallest was $1,500 and the largest $251,726. If you are asking for materially more than the top of that range, you are asking the wrong foundation.
Every organization it funded
This is the complete list from its filings, largest first. Years funded is the number of separate tax years in which the organization received money -- more than one means a real relationship rather than a one-off.
| Organization | Location | Total received | Grants | Years funded | Last |
|---|---|---|---|---|---|
| Heading Home | Boston, MA | $583,106 | 3 | 3 | 2023 |
| Nashoba Learning Group | Bedford, MA | $82,500 | 3 | 3 | 2023 |
| Joy in Childhood Foundation | Canton, MA | $80,000 | 2 | 2 | 2023 |
| National Brain Tumor Society | Newton, MA | $75,000 | 2 | 2 | 2023 |
| Ron Burton Training Village Inc | Hubbardston, MA | $69,000 | 3 | 3 | 2023 |
| Boys & Girls Club Woburn | Woburn, MA | $50,000 | 1 | 1 | 2021 |
| Merrimack Valley Housing Partnership Inc (mvhp) | Lowell, MA | $35,000 | 3 | 3 | 2023 |
| Habitat for Humanity North Central Massachusetts Inc | Acton, MA | $30,000 | 1 | 1 | 2023 |
| YMCA of Greater Boston | Boston, MA | $25,000 | 2 | 2 | 2023 |
| Minuteman Senior Services | Bedford, MA | $22,500 | 2 | 2 | 2023 |
| Boston College Public Interest Law Foundation | Newton, MA | $20,000 | 2 | 2 | 2023 |
| Boys & Girls Club of Greater Billerica | Billerica, MA | $20,000 | 2 | 2 | 2023 |
| Cradles to Crayons | Newton, MA | $20,000 | 2 | 2 | 2023 |
| Mission of Deeds | Reading, MA | $20,000 | 2 | 2 | 2023 |
| Sudbury Community Food Pantry | Sudbury, MA | $20,000 | 2 | 2 | 2023 |
| Metro Housing Boston | Boston, MA | $15,000 | 1 | 1 | 2023 |
| Raising a Reader Massachusetts | Boston, MA | $15,000 | 1 | 1 | 2023 |
| First Congregational Church | Stoneham, MA | $13,000 | 1 | 1 | 2022 |
| Birthday Wishes | Natick, MA | $12,500 | 2 | 2 | 2023 |
| Joslin Diabetes Center Inc | Boston, MA | $10,000 | 1 | 1 | 2022 |
| Junior Achievement of Greater Boston | Boston, MA | $10,000 | 1 | 1 | 2023 |
| Junior Achievement of Northern New England | Boston, MA | $10,000 | 1 | 1 | 2022 |
| Just a Start | Cambridge, MA | $10,000 | 1 | 1 | 2023 |
| Mystic Valley Elder Services | Malden, MA | $10,000 | 3 | 3 | 2023 |
| Rise Above Foundation | Northbridge, MA | $10,000 | 1 | 1 | 2023 |
| Second Chances Inc | Somerville, MA | $10,000 | 2 | 2 | 2023 |
| The Corey C Griffin Charitable Foundation | Framingham, MA | $10,000 | 1 | 1 | 2022 |
| Woburn Council of Social Concern | Woburn, MA | $10,000 | 1 | 1 | 2023 |
| Woburn Host Lions Charities Inc | Woburn, MA | $10,000 | 2 | 2 | 2023 |
| Community Coalition of Melrose Inc | Melrose, MA | $7,500 | 2 | 2 | 2023 |
| Chesterbrook Community Foundation | Waltham, MA | $6,000 | 1 | 1 | 2023 |
| YMCA of Metro North-Melrose | Melrose, MA | $6,000 | 2 | 2 | 2022 |
| Women's Money Matters (fka Budget Buddies Inc) | Boston, MA | $5,500 | 1 | 1 | 2022 |
| Big Brothers Big Sisters of Central Massmetrowest | Worcester, MA | $5,000 | 1 | 1 | 2023 |
| Comfort Zone Camp | Richmond, VA | $5,000 | 1 | 1 | 2022 |
| Daniel's Table | Framingham, MA | $5,000 | 1 | 1 | 2022 |
| Dartmouth College | Hanover, NH | $5,000 | 1 | 1 | 2022 |
| Gifts of Hope Unlimited Inc | Sudbury, MA | $5,000 | 1 | 1 | 2023 |
| Hopesudbury | Sudbury, MA | $5,000 | 1 | 1 | 2024 |
| Pan Mass Challenge | Nedham, MA | $5,000 | 1 | 1 | 2022 |
| People Helping People | Burlington, MA | $5,000 | 1 | 1 | 2023 |
| Senior Center Friends of Stoneham Inc | Stoneham, MA | $5,000 | 1 | 1 | 2022 |
| City Kids | Allston, MA | $4,000 | 2 | 2 | 2023 |
| Joey Domenici Foundation | Woburn, MA | $3,000 | 2 | 2 | 2023 |
| Lazarus House Ministries | Lawrence, MA | $3,000 | 1 | 1 | 2023 |
| Boys & Girls Clubs of Metrowest | Marlborough, MA | $2,500 | 1 | 1 | 2023 |
| Boys & Girls Clubs of Stoneham & Wakefield | Stoneham, MA | $2,500 | 1 | 1 | 2022 |
| Dignity Matters Inc | Framingham, MA | $2,500 | 1 | 1 | 2023 |
| Habitat for Humanity of Greater Lowell | Westford, MA | $2,500 | 1 | 1 | 2023 |
| Nupath | Woburn, MA | $2,500 | 1 | 1 | 2023 |
| The Elizabeth Peabody House | Somerville, MA | $2,500 | 1 | 1 | 2023 |
| Town of Reading | Reading, MA | $2,500 | 1 | 1 | 2022 |
21 of 52 (40%) received money in more than one year over the 4 years we hold.
Measured the way we measure every foundation -- what share of one year's grantees are funded again the next -- this one retains 55%, across 3 year-to-year transitions. The median foundation retains about 67%, so this one is less consistent than most. A high number means its list is close to settled and a newcomer has to displace someone; a low one means it is still moving money around, which is where an opening is.
What the money was for
Taken verbatim from the purpose field of its filings. This is the closest thing to a statement of what this foundation cares about, in its own words.
- Heading Home
Assist low-income families in Middlesex County in need of housing - Boys & Girls Club Woburn
Support low to moderate income children - Nashoba Learning Group
Support individuals with autism and their families - Boston College Public Interest Law Foundation
The Hillinger Fund - Public Interest Legacy Fund - Junior Achievement of Greater Boston
Financial education for low-moderate income students - Woburn Council of Social Concern
Assist low-income families in need with food insecurity
What kind of organizations it funds
By the recipient's own IRS classification, for the 50 grants where we could identify the organization. These are assigned categories, not our guesses.
Giving by year
| Tax year | Grants | Total | Median grant |
|---|---|---|---|
| 2021 | 11 | $260,000 | $10,000 |
| 2022 | 29 | $475,380 | $5,000 |
| 2023 | 37 | $664,726 | $10,000 |
| 2024 | 1 | $5,000 | $5,000 |
Tax years, not calendar years, and the most recent year is usually incomplete -- filings arrive about a year late, so a low final year means late paperwork rather than a foundation winding down.
Where its money goes
Foundations concentrate geographically far more than their mission statements suggest. 99% of this one's giving went to organizations in Massachusetts. If you are outside its footprint, that matters more than how well your programme fits.
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Funders that support the same organizations
These funders gave to organizations this one also funded -- some private foundations, some community foundations and other grantmaking charities. Shared grantees are the strongest available signal that two funders have overlapping priorities, and a funder already backing your peers is a far warmer prospect than one that merely lists your cause.
How to approach this foundation
- Check you are its size. The median grant is $10,000. Asking for ten times that is the most common way small organizations waste a submission.
- Check you are in its geography. Its giving is concentrated in Massachusetts.
- Read the recipient list above for organizations like yours. If nothing on it resembles your work, that is a real answer, and a cheap one to get.
- Look up the current filing before writing. The 990-PF names the foundation's officers and, where one exists, its application procedure. We link it below.
Related guides
Where these numbers come from
Everything above is taken from Northern Bank & Trust Charitable Foundation Inc's own Form 990-PF filings, which the IRS publishes in bulk. We used 4 returns (tax years 2021-2024). Nothing here is scraped, inferred, or estimated.
Address of record on the latest return: 275 Mishawum Rd, Woburn, MA, 01801. This is the address the foundation gave the IRS; many small foundations file through an accountant or a bank trust department, so it may not be where post to a programme officer should go.
EIN 46-1606139 · See the original filings on ProPublica · How we build this
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