Our History

From local credit union to national financial services innovator, our journey continues, making financial security possible for all workers.

From local credit union to national financial services innovator, our journey continues, making financial security possible for all workers.

1995-1997. Founded in a Desert of Quality Financial Services

Mark Levine founds Credit Where Credit is Due (CWCID), a 501(c)3 nonprofit, to support the community mobilization effort to win a Federal Charter for a first-ever community development credit union in Washington Heights. Neighborhood Trust Federal Credit Union opens its doors in 1997.

2002. New CEO Joins with New Vision for Scale and Impact

Justine Zinkin joins as CEO of Credit Where Credit Is Due and Neighborhood Trust Federal Credit Union. In her first two years she orchestrates a turnaround of the credit union and expands CWCID’s financial literacy workshops.

Justine plants the seeds of our core model. Instead of the community coming to the office for financial literacy, Justine reimagines our services meeting people in the community, alongside trusted services that matter to them. She goes door-to-door to pitch to schools, job training programs, immigration services, and housing programs on this idea of Neighborhood Trust being embedded within their operations.

2004-2005. The Roots of Our Model: Expert Financial Guidance Comes to You

Justine plants the seeds of our core model. Instead of the community coming to us at the bus terminal for workshops, Justine reimagines our workshops going to the community at local organizations and churches. She goes door-to-door to pitch different groups in the neighborhood on the idea.

2006. The First Financial Empowerment Centers

Mayor 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.

2008. Getting Ahead

We launch Getting Ahead, a multi-week financial basics workshop developed in partnership with Global Learning Partners and delivered via workforce development organizations throughout New York City. This program ran for over twelve years before it was discontinued in 2020. Getting Ahead is still alive today in our Financial Coaching, as the program’s dialogue education methodology and adult learning principles are key components of our service design and Training IP.

2012. Becoming Neighborhood Trust Financial Partners

CWCID rebrands as Neighborhood Trust Financial Partners. In addition to debuting a new name, we move-in to a new home at the Triangle building on West 166th Street in Washington Heights.

Neighborhood Trust Financial Partners and Neighborhood Trust Federal Credit Union redefine their partnership model and eliminate a shared management structure.

The credit union continues to serve its members in Upper Manhattan while Neighborhood Trust Financial Partners pursues national scale as a social enterprise.

2012. TrustPlus Is Launched

We launch our financial wellness solution for employers, today known as TrustPlus. In its first iteration we offer financial coaching in the workplace to employees during their lunch breaks. With TrustPlus, Neighborhood Trust Financial Partners begins to focus on the workplace and becomes a social enterprise.

2015. Financial Coaching Solutions for Credit Unions and Financial Institutions

We launch Pathways in partnership with credit union network Inclusiv. Pathways trains credit union staff to provide our model of trusted, action-oriented financial coaching to its members and track data and results via our proprietary technology platform. Today, Pathways serves credit unions and financial institutions nationwide.

2017. Financial Coaching Where and When You Need It

TrustPlus screenshots

We hit a major milestone in scaling our services by offering clients remote access to TrustPlus via phone/video sessions with a Financial Coach anytime, anywhere, without sacrificing any impact by shifting away from in-person delivery. We also launched a digital TrustPlus platform where clients can onboard to the service and schedule sessions. This platform sets the stage for ongoing advances in the automation of client financial health data, development of digital tools and solutions for workers, and seamless integration with fintech, employer and financial services platforms.

2020. Financial First Responders: Putting Cash in Families’ Hands Fast

2021. Driving Product and Policy Innovation with the Worker Insights Initiative

We introduce the Worker Insights Initiative to bring the lived reality and complex financial lives of low-wage workers more powerfully to the market, surfacing data to drive product and policy innovation and more inclusive financial solutions that promote worker financial health and productivity.

Today. A National Financial Services Innovator

As a leading national financial services innovator, we are pursuing an ambitious strategy as trusted guides connecting workers to financial benefits, co-designing products and services that meet their complex, immediate and long-term needs. We aim to use the insights from our work to help employers, nonprofits, banks, fintechs, and policymakers to better understand the financial challenges facing workers–and to push the marketplace to be more accountable to workers’ needs, which is just smart business, social enterprise.

Our national financial health solution for employers, TrustPlus, helps workers manage debt, strengthen credit, and build savings. Our financial coaching methodology and data tracking platform, Pathways to Financial Empowerment, helps credit unions throughout the country integrate coaching into their operations which yields benefits for the credit unions and their members.

We continue to be the lead vendor to New York City’s Financial Empowerment Centers and a trusted source of worker insights and data for a growing list of partners nationwide.

1995-1997. Founded in a Desert of Quality Financial Services

Mark Levine founds Credit Where Credit is Due (CWCID), a 501(c)3 nonprofit, to support the community mobilization effort to win a Federal Charter for a first-ever community development credit union in Washington Heights. Neighborhood Trust Federal Credit Union opens its doors in 1997.

2002. New CEO Joins with New Vision for Scale and Impact

Justine Zinkin joins as CEO of Credit Where Credit Is Due and Neighborhood Trust Federal Credit Union. In her first two years she orchestrates a turnaround of the credit union and expands CWCID’s financial literacy workshops.

Justine plants the seeds of our core model. Instead of the community coming to the office for financial literacy, Justine reimagines our services meeting people in the community, alongside trusted services that matter to them. She goes door-to-door to pitch to schools, job training programs, immigration services, and housing programs on this idea of Neighborhood Trust being embedded within their operations.

2004-2005. The Roots of Our Model: Expert Financial Guidance Comes to You

Justine plants the seeds of our core model. Instead of the community coming to us at the bus terminal for workshops, Justine reimagines our workshops going to the community at local organizations and churches. She goes door-to-door to pitch different groups in the neighborhood on the idea.

2006. The First Financial Empowerment Centers

Mayor 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.

2008. Getting Ahead

We launch Getting Ahead, a multi-week financial basics workshop developed in partnership with Global Learning Partners and delivered via workforce development organizations throughout New York City. This program ran for over twelve years before it was discontinued in 2020. Getting Ahead is still alive today in our Financial Coaching, as the program’s dialogue education methodology and adult learning principles are key components of our service design and Training IP.

2012. Becoming Neighborhood Trust Financial Partners

CWCID rebrands as Neighborhood Trust Financial Partners. In addition to debuting a new name, we move-in to a new home at the Triangle building on West 166th Street in Washington Heights.

Neighborhood Trust Financial Partners and Neighborhood Trust Federal Credit Union redefine their partnership model and eliminate a shared management structure.

The credit union continues to serve its members in Upper Manhattan while Neighborhood Trust Financial Partners pursues national scale as a social enterprise.

2012. TrustPlus is Launched

We launch our financial wellness solution for employers, today known as TrustPlus. In its first iteration we offer financial coaching in the workplace to employees during their lunch breaks. With TrustPlus, Neighborhood Trust Financial Partners begins to focus on the workplace and becomes a social enterprise.

2015. Financial Coaching Solutions for Credit Unions and Financial Institutions

We launch Pathways in partnership with credit union network Inclusiv. Pathways trains credit union staff to provide our model of trusted, action-oriented financial coaching to its members and track data and results via our proprietary technology platform. Today, Pathways serves credit unions and financial institutions nationwide.

2017. Financial Coaching Where and When You Need It

TrustPlus screenshots

We hit a major milestone in scaling our services by offering clients remote access to TrustPlus via phone/video sessions with a Financial Coach anytime, anywhere, without sacrificing any impact by shifting away from in-person delivery. We also launched a digital TrustPlus platform where clients can onboard to the service and schedule sessions. This platform sets the stage for ongoing advances in the automation of client financial health data, development of digital tools and solutions for workers, and seamless integration with fintech, employer and financial services platforms.

2020. Financial First Responders: Putting Cash in Families’ Hands Fast

2021. Driving Product and Policy Innovation with the Worker Insights Initiative

We introduce the Worker Insights Initiative to bring the lived reality and complex financial lives of low-wage workers more powerfully to the market, surfacing data to drive product and policy innovation and more inclusive financial solutions that promote worker financial health and productivity.

Today. A National Financial Services Innovator

As a leading national financial services innovator, we are pursuing an ambitious strategy as trusted guides connecting workers to financial benefits, co-designing products and services that meet their complex, immediate and long-term needs. We aim to use the insights from our work to help employers, nonprofits, banks, fintechs, and policymakers to better understand the financial challenges facing workers–and to push the marketplace to be more accountable to workers’ needs, which is just smart business, social enterprise.

Our national financial health solution for employers, TrustPlus, helps workers manage debt, strengthen credit, and build savings. Our financial coaching methodology and data tracking platform, Pathways to Financial Empowerment, helps credit unions throughout the country integrate coaching into their operations which yields benefits for the credit unions and their members.

We continue to be the lead vendor to New York City’s Financial Empowerment Centers and a trusted source of worker insights and data for a growing list of partners nationwide.