About Us

At Neighborhood Trust, our mission is to empower low-income individuals to become productive participants in the U.S. financial system and achieve their financial goals.

Neighborhood Trust is the nation’s leading provider of effective, high-quality financial coaching services for workers. Our strength lies in making our coaching and guidance relevant and actionable for our clients by adapting our services to various settings—the workplace, credit unions, community organizations, and government agencies, among others—that make up the fabric of our clients’ daily lives.

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Our History

Neighborhood Trust is now a sophisticated nonprofit social enterprise with a national footprint that serves roughly 9,000 people annually. We are recognized as a national leader in the financial inclusion and economic development fields. Learn more about our journey below.

1994

Credit Where Credit is Due (CWCID) is founded by Mark Levine to open a credit union serving Upper Manhattan (Washington Heights/Inwood), a neighborhood that has historically lacked access to safe, quality financial services.

1997

Credit Where Credit Is Due opens its doors Neighborhood Trust Federal Credit Union (NTFCU) opens its doors at the George Washington Bridge Bus Terminal. CWCID shifts its focus to community outreach and education, bringing local residents into the credit union and educating them on personal finance and how best to use NTFCU financial products.

2002

Justine Zinkin joins as CEO. Comprised of 3 staff members, CWCID primarily serves the community by providing financial literacy workshops for adults and youth.

2004-2005

Justine plants the seeds of our core model. Instead of having the community to come to the bus terminal for our workshops, Justine reimagines our model to have our workshops go where the community is: local organizations and churches. She goes door-to-door to pitch different groups in the neighborhood on the idea.

2006

Financial Empowerment Centers (FEC) launchedMayor Michael Bloomberg’s administration launches the first Financial Empowerment Centers, a free financial coaching program for NYC residents in all five boroughs. CWCID is selected as one of the main service providers for this program.

2006-2008

CWCID grows in size from 3 to nearly 30 staff members as we recruit more coaches and support staff to fill the city’s needs. We start sending out coaches to different sites throughout the city to deliver one-on-one individualized financial coaching. We also begin to recruit support staff for managing new and existing partnerships.

2008-2009

Getting Ahead program launches. Inspired by Justine’s grassroots outreach to neighborhood institutions for our financial workshops, we launched the Getting Ahead program, a multi-week financial basics workshop held at various partner institutions citywide that utilizes adult education principles. The program combines a classroom structure with one-on-one financial coaching sessions.

2012

Neighborhood Trust moves to Triangle Building 2012CWCID becomes Neighborhood Trust Financial Partners (NTFP). In addition to debuting a new name, we also moved into a new home at the new Alianza Dominicana building on West 166th Street.

2015

The Employer Solution service, now known as Trusted Advisor, launches. With an overwhelming demand for financial coaching from all directions, we developed an idea to fulfill this demand by offering financial coaching in the workplace, starting with coaches meeting with clients during their lunch breaks. By bringing our services to where workers get paid, we help workers grapple with the increased financial insecurity of today’s economy while demonstrating to employers that investing in the financial health of their employees is good business.

Fall 2017

Trusted Advisor digital platform releasedTrusted Advisor’s digital platform is released. We hit a major milestone in the scaling our of services by launching a digital onboarding platform where clients can sign up for phone/Skype sessions with a financial coach anytime, anywhere. On this platform, clients also have access to a Digital Financial Action Plan with personalized action steps for achieving their goals as well as credit report and debt information.

Today

No longer the fledgling three-person organization in the Bus Terminal, we now enjoy a robust staff of well-trained financial coaches and highly experienced support staff in the areas of program management, data analysis, technology development, and design. Our services are now available to workers at over 80 institutions nationwide. We maintain our roots in Washington Heights but continue to scale nationally. We are proud of what we have achieved since 1994, but we’re only just getting started!

1994

Credit Where Credit is Due (CWCID) is founded by Mark Levine to open a credit union serving Upper Manhattan (Washington Heights/Inwood), a neighborhood that has historically lacked access to safe, quality financial services.

1997

Credit Where Credit Is Due opens its doors Neighborhood Trust Federal Credit Union (NTFCU) opens its doors at the George Washington Bridge Bus Terminal. CWCID shifts its focus to community outreach and education, bringing local residents into the credit union and educating them on personal finance and how best to use NTFCU financial products.

2002

Justine Zinkin joins as CEO. Comprised of 3 staff members, CWCID primarily serves the community by providing financial literacy workshops for adults and youth.

2004-2005

Justine plants the seeds of our core model. Instead of having the community to come to the bus terminal for our workshops, Justine reimagines our model to have our workshops go where the community is: local organizations and churches. She goes door-to-door to pitch different groups in the neighborhood on the idea.

2006

Financial Empowerment Centers (FEC) launchedMayor Michael Bloomberg’s administration launches the first Financial Empowerment Centers, a free financial coaching program for NYC residents in all five boroughs. CWCID is selected as one of the main service providers for this program.

2006-2008

CWCID grows in size from 3 to nearly 30 staff members as we recruit more coaches and support staff to fill the city’s needs. We start sending out coaches to different sites throughout the city to deliver one-on-one individualized financial coaching. We also begin to recruit support staff for managing new and existing partnerships.

2008-2009

Getting Ahead program launches. Inspired by Justine’s grassroots outreach to neighborhood institutions for our financial workshops, we launched the Getting Ahead program, a multi-week financial basics workshop held at various partner institutions citywide that utilizes adult education principles. The program combines a classroom structure with one-on-one financial coaching sessions.

2012

Neighborhood Trust moves to Triangle Building 2012CWCID becomes Neighborhood Trust Financial Partners (NTFP). In addition to debuting a new name, we also moved into a new home at the new Alianza Dominicana building on West 166th Street.

2015

The Employer Solution service, now known as Trusted Advisor, launches. With an overwhelming demand for financial coaching from all directions, we developed an idea to fulfill this demand by offering financial coaching in the workplace, starting with coaches meeting with clients during their lunch breaks. By bringing our services to where workers get paid, we help workers grapple with the increased financial insecurity of today’s economy while demonstrating to employers that investing in the financial health of their employees is good business.

Fall 2017

Trusted Advisor digital platform releasedTrusted Advisor’s digital platform is released. We hit a major milestone in the scaling our of services by launching a digital onboarding platform where clients can sign up for phone/Skype sessions with a financial coach anytime, anywhere. On this platform, clients also have access to a Digital Financial Action Plan with personalized action steps for achieving their goals as well as credit report and debt information.

Today

No longer the fledgling three-person organization in the Bus Terminal, we now enjoy a robust staff of well-trained financial coaches and highly experienced support staff in the areas of program management, data analysis, technology development, and design. Our services are now available to workers at over 80 institutions nationwide. We maintain our roots in Washington Heights but continue to scale nationally. We are proud of what we have achieved since 1994, but we’re only just getting started!

Our Values

We carry out our mission of financial empowerment via a culture of integrity. We live our values with our extended community — our clients, customers, partners, funders and each other — to help create a more inclusive and just economy for working families.

Action. We make it happen.

  • We prioritize action over prolonged deliberation.
  • We take initiative and follow through on our commitments.
  • We work hard and push through challenges that are big and real.
  • We hold ourselves accountable for results.

Collaboration. Effective solutions require focus and teamwork, and are ecosystem-wide.

  • We are self-aware and humble.
  • We are experts in what we do and work across disciplines and sectors to create shared solutions.
  • We use dialogue to create clarity.

Human Connection. Human connection is at the heart of our approach to creating systems-level change.

  • We build trusted relationships, are curious and listen intently.
  • We are empathetic and inclusive — we invite others in.
  • We take accountability for the impact our actions have on others.
  • We empower one another — with ownership and support — to achieve real results.

Transformation. Advancing a more just economy requires constant learning and challenging the status quo.

  • We pursue wholesale new approaches to the problems we are solving.
  • We are flexible, creative and comfortable with ambiguity.
  • We challenge assumptions.
  • We seek feedback, value diverse perspectives and embrace failures as opportunities for learning.

Transparency. We believe transparency is essential to building trust.

  • We are candid and clear about what we do and about our intentions, assumptions, successes and failures.
  • We speak up honestly, directly and productively.
  • We use rigorous and creative data collection tools and analytics to uncover and articulate complex challenges and potential solutions.