HBCU Money

From Four to Fifty: Rebuilding Black Boarding Schools and Day Schools for STEM Dominance

Posted on February 20, 2026 by hbcumoney | Leave a comment

I have discovered few learning disabled students in my three decades of teaching. I have, however, discovered many, many victims of teaching inabilities. – Marva Collins

When the Eight Schools Association, comprising Phillips Exeter, Phillips Andover, Choate Rosemary Hall, and other elite boarding schools, sends delegations to the Intel International Science and Engineering Fair or MATHCOUNTS Championships, they arrive with institutional power behind them. Generations of alumni networks, endowments in the hundreds of millions, dedicated competition coaches, and a culture that expects excellence. These schools don’t just prepare students for competitions; they’ve built entire ecosystems that produce winners systematically.

The African American community needs the same—not to gain access to their institutions, but to build our own parallel ecosystem of excellence. This isn’t about integration into existing structures; it’s about developing Black-controlled educational institutions that create seamless pipelines from kindergarten through college, from HBCU undergraduate research to Black-owned businesses and laboratories. It’s about institutional sovereignty and generational wealth-building through education.

The infrastructure already exists in fragments: four remaining historic Black boarding schools fighting for survival, HBCU laboratory schools serving thousands of students on HBCU campuses, scattered private Black schools across the nation, and 101 HBCUs waiting to receive the next generation of Black scholars. What’s missing is the connective tissue—the strategic vision to link these institutions into a powerhouse network that rivals anything the Eight Schools Association offers, while recognizing that most Black families need day school options, not just boarding programs.

African American students’ underrepresentation in elite STEM competitions—Science Olympiad, USA Biology Olympiad, American Computer Science League, Conrad Challenge isn’t a talent problem. It’s an institutional problem. When majority-Black schools face closure rates nearly double that of other schools nationwide, according to Stanford research, competition programming becomes an afterthought, if it exists at all. Meanwhile, prestigious institutions treat competition success as institutional mandate. They hire Ph.D.-level coaches, fund unlimited travel to regional and national contests, maintain state-of-the-art laboratories and makerspaces, and celebrate academic victories with the same fervor as athletic championships. Most importantly, they’ve built alumni networks spanning decades that provide mentorship, internships, and career pathways for graduates.

The Eight Schools Association demonstrates what institutional coordination achieves. These schools share best practices, collaborate on programming, and maintain standards of excellence that elevate all members. Their graduates don’t just attend elite colleges; they create companies, endow professorships, and return resources to strengthen the institutions that launched them. African Americans need this same institutional architecture but built for us, by us, serving our community’s interests and priorities.

While boarding schools capture attention with their prestige and immersive environments, the reality is that most Black families want and need high-quality day schools. Boarding schools serve grades 9-12 and require families to send children away, a proposition that doesn’t align with many Black family structures, cultural values, or financial realities. The future of Black educational excellence must therefore be built on a foundation of elite private day schools serving Pre-K through 12, supplemented by strategic boarding school options for families who choose that path.

Only four historic African American boarding schools remain from the over 100 that once existed: The Piney Woods School in Mississippi, Laurinburg Institute in North Carolina, Pine Forge Academy in Pennsylvania, and Redemption Christian Academy in upstate New York. These institutions represent more than educational options—they embody Black self-determination in education. The decline from over 100 to just four is a catastrophic loss of Black educational infrastructure that demands urgent reversal. But the primary focus must be on establishing a network of at least fifty elite Black private day schools across the country within the next decade, complemented by fifteen boarding schools for families seeking that option. Together, these institutions would create a comprehensive ecosystem serving Pre-K through grade 12, explicitly designed to rival the Eight Schools Association and other elite networks in resources, reputation, and results.

The day school model solves multiple practical challenges. Families maintain daily contact with their children while accessing elite education. Schools can serve Pre-K through 12, creating 14-year pipelines instead of just four years. Geographic coverage can be broader, with schools in major metropolitan areas where Black families are concentrated. And costs per student are lower than boarding, making sustainability more achievable.

Each elite Black private day school in the network would be designed as a competition powerhouse from the ground up. This means recruiting PhD-level faculty and competition coaches—the same caliber of talent that elite institutions employ. Science programs need teachers with doctoral degrees who’ve conducted research and understand how to prepare students for Olympiad-level competition. Mathematics departments require faculty who’ve published in their fields and can coach students to MATHCOUNTS and AMC excellence. Computer science programs need instructors with both academic credentials and industry experience who can lead programming teams to national prominence.

The Eight Schools Association succeeds because they pay top dollar for elite talent. Black private schools must do the same, offering competitive salaries that attract the best minds to teach our students. This isn’t optional it’s the price of competing at the highest levels. A well-meaning teacher with a bachelor’s degree cannot compete against PhD coaches at elite institutions. We must match their investment in human capital.

Beyond faculty, these schools require world-class infrastructure. State-of-the-art science laboratories where students can conduct genuine research. Extensive libraries with digital and physical resources rivaling small colleges. Advanced makerspaces with 3D printers, laser cutters, and robotics equipment. Computer labs with the latest technology. Athletic facilities that support both physical education and competitive sports. These facilities cannot be afterthoughts they must be built from the beginning to match or exceed what elite independent schools offer.

These schools must be strategically distributed across the country, not hostage to HBCU locations. Major metropolitan areas with significant Black populations need multiple options. Atlanta should have at least three elite Black private day schools. The DMV area (D.C., Maryland, Virginia) needs at least four. Houston, Dallas, Chicago, Detroit, New Orleans, Memphis, Charlotte—each requires multiple institutions to serve their communities adequately. But the network must also extend to underserved regions. New Mexico, Maine, the Pacific Northwest, Montana—areas with smaller but growing Black populations deserve options beyond traditional centers. These schools serve dual purposes: providing excellent education to local Black families and attracting families willing to relocate for access to elite Black institutions.

Boarding schools, given their residential nature and focus on high school, can be even more geographically flexible. A boarding school in rural Vermont or coastal Oregon can draw students nationally, serving families across the country who choose that educational model for grades 9-12.

Each school—whether day or boarding—should partner with one or more HBCUs through strategic regional arrangements. For instance, Atlanta’s day schools could partner with Spelman, Morehouse, Clark Atlanta, and Morris Brown. A boarding school in Texas could be triangulated between Prairie View A&M, Texas Southern, Grambling, and Southern University, with all four institutions sharing governance and pipeline responsibilities.

This distributed partnership model offers several advantages. HBCU faculty from multiple institutions would serve on academic boards, bringing diverse expertise while ensuring curriculum rigor and alignment with college expectations. Students would have guaranteed pathways to any partner HBCU, expanding their options beyond a single institution. College students from partner HBCUs could supplement as residential advisors and tutors, gaining education experience while strengthening connections between institutions.

However, to truly compete with the Eight Schools Association, these boarding schools must recruit PhD-level faculty and coaches—the same caliber of talent that elite institutions employ. Science competition teams need coaches with doctoral degrees in their fields, not just enthusiasm. Mathematics programs require faculty who’ve published research and understand competition mathematics at the highest levels. Computer science teams need instructors with industry and academic credentials. The Eight Schools Association succeeds because they pay top dollar for elite talent; Black boarding schools must do the same, offering competitive salaries that attract the best minds to teach and coach our students.

These K-12 institutions cannot be dependent on HBCU facilities or resources. To truly compete with elite independent schools, they must build and maintain their own infrastructure and secure their own endowments. Each elite day school should target minimum endowments of $50-100 million. Each boarding school should aim for $100-200 million. These endowments ensure financial sustainability, enable need-blind admissions, support competitive faculty salaries, and provide unlimited resources for student opportunities. HBCU partnerships provide crucial academic connections and pipeline benefits, but the K-12 institutions themselves must stand as independently powerful schools capable of competing with the best in America.

For this ecosystem to succeed, competition excellence cannot be an extracurricular afterthought—it must be embedded in institutional DNA from day one. Every school in the network should mandate that students participate in at least one major STEM competition annually. This normalization is critical. When competition participation becomes expected rather than exceptional, students prepare differently, families support differently, and results follow.

Consider what this looks like in practice at an elite Black day school serving Pre-K through 12. Elementary students (grades 3-5) participate in regional Science Olympiad divisions, Math Kangaroo, and Lego robotics competitions. Middle schoolers (grades 6-8) compete in MATHCOUNTS, Science Bowl, National History Day, and American Computer Science League. High schoolers (grades 9-12) engage in USA Biology Olympiad, Chemistry Olympiad, Physics Olympiad, Congressional Debate, Model UN, and Intel Science Fair. Every student finds competitions aligned with their interests and abilities. The school’s culture celebrates competition success publicly and prominently—trophies in display cases, assemblies honoring winners, media coverage of achievements. Academic competition excellence becomes as central to institutional identity as athletics at traditional schools.

The network should also establish its own internal competitions. An annual Black Excellence Science Olympiad. A Black School Network MATHCOUNTS Championship. Computer science competitions exclusively for students in the pipeline. These internal competitions provide practice grounds while building institutional identity and healthy rivalry that elevates performance across all schools.

HBCU laboratory schools—at institutions like Alabama State University (which pioneered the model in 1920), Southern University, Florida A&M, Howard University, and North Carolina A&T—serve crucial roles in this ecosystem. Virginia’s recent incorporation of laboratory schools at Virginia Union University and Virginia State University shows continued commitment to the model. These schools can serve as proof-of-concept institutions, demonstrating what’s possible when Black schools receive adequate resources and maintain rigorous competition programming. Their success provides templates for independent day schools to replicate. A laboratory school that sends students to national Science Olympiad championships proves the model works; independent schools can study their methods and adapt them.

Laboratory schools should also function as regional hubs, establishing partnerships with at least five majority-Black schools in their areas. They share competition resources, coaching expertise, and best practices, elevating the entire region’s performance while identifying top talent. Southern University Lab School partners with New Orleans-area Black schools. FAMU’s developmental research school does the same in Florida. Howard Middle School anchors D.C.-area networks. This hub-and-spoke model accelerates ecosystem development beyond the schools the network directly controls. Within five years, hundreds of majority-Black schools have competition programming that didn’t exist before, creating a rising tide that lifts all boats.

None of this happens without resources, and HBCU alumni must lead the investment. Every HBCU has thousands of successful graduates—doctors, engineers, lawyers, business owners—who could fund this institutional development. The goal isn’t charity but investment in infrastructure that strengthens the entire Black community. Alumni funding priorities should include capitalizing day school construction in major metropolitan areas nationwide, establishing minimum $50-100 million endowments for each day school to ensure sustainability, endowing boarding school scholarships so talented students can attend regardless of family income, funding PhD-level faculty recruitment with competitive salary packages, constructing world-class facilities—laboratories, libraries, makerspaces, athletic complexes—that rival elite independent schools, and creating venture capital funds that support businesses founded by network graduates.

The Eight Schools Association’s power derives largely from alumni commitment. Exeter’s endowment exceeds $1.5 billion. Andover’s tops $1.3 billion. These resources enable need-blind admission, world-class faculty recruitment, and unlimited opportunities for students. Black schools need similar commitments scaled appropriately. What if Spelman and Morehouse alumni collectively committed $200 million to establish three elite Black day schools in Atlanta? What if Howard University graduates funded two D.C.-area day schools with combined endowments of $150 million? These numbers are achievable when alumni understand they’re not donating to charity but investing in institutional power that will serve generations.

Regional alumni coalitions should form specifically to capitalize schools in their areas. The Texas HBCU Alumni Coalition funds schools in Houston and Dallas. The Midwest HBCU Coalition establishes schools in Chicago and Detroit. The Southeast Coalition covers Atlanta, Charlotte, and Memphis. This regional approach creates ownership and ensures schools reflect their communities’ needs.

While building new elite institutions is essential, the network must also elevate existing Black private schools and support majority-Black public schools in developing competition cultures. Not every Black school can or should become a boarding institution, but every Black school can raise its educational rigor and competition participation. The network should establish a tiered certification system. Tier One schools meet the highest standards—PhD faculty, comprehensive competition programming, world-class facilities, and proven track records of sending students to top competitions and HBCUs as elite scholars. Tier Two schools are developing toward these standards with network support. Tier Three schools are beginning the journey, receiving mentorship and resources from established institutions.

This certification creates aspirational goals while providing roadmaps for schools at different development stages. A small Black private school in Birmingham might begin as Tier Three, receiving coaching expertise and competition funding from the network. Within five years, they achieve Tier Two status. Within a decade, they’re Tier One, competing nationally and serving as a regional hub themselves. The network succeeds not only by building new schools but by elevating all Black schools toward excellence. Every student in a majority-Black school—whether public, private, or laboratory school—should have access to competition programming, rigorous academics, and pathways to HBCUs and beyond.

The ultimate goal transcends competition trophies and college admissions. This ecosystem should produce a generation of Black scientists, engineers, and entrepreneurs who build institutions, create wealth, and invest back into the network that developed them. A student who attends an elite Black day school from Pre-K through 12, earns a degree from an HBCU, and then receives seed funding from the network’s venture capital arm to launch a tech company—that’s the full pipeline. Ten years later, that founder endows scholarships at their alma maters and hires exclusively from the network. This is how generational wealth builds and how communities transform economically.

The competition focus matters because STEM competitions lead to STEM careers, which offer the highest salaries and most secure employment in the American economy. But the jobs aren’t enough. The network must produce business owners, not just employees. Laboratory directors, not just lab technicians. University presidents, not just professors. The institutional ecosystem must aim for complete economic sovereignty. Black-owned research laboratories should hire preferentially from network schools. Black engineering firms should recruit from HBCU programs fed by network pipelines. Black investment funds should capitalize businesses founded by network graduates. This closed-loop system ensures wealth circulates within the Black community, building generational prosperity.

The vision is clear, but visions don’t implement themselves. This ecosystem requires institutional leadership with the authority, resources, and commitment to coordinate across decades. The answer must be a new entity—a Black Educational Excellence Consortium governed by a coalition of HBCU presidents, major HBCU alumni association leaders, Black philanthropists, and representatives from the four remaining boarding schools. This consortium would function similarly to how the Eight Schools Association coordinates among its members, but with broader scope covering day schools, boarding schools, and laboratory schools.

The consortium’s core responsibilities would include establishing and enforcing network standards and the tiered certification system, coordinating capital campaigns and alumni fundraising across regions, recruiting and vetting PhD-level faculty and leadership for new schools, managing the network-wide competition circuit and celebrating achievements, administering the venture capital fund for graduate entrepreneurs, ensuring HBCU partnership agreements are formalized and beneficial to all parties, and providing technical assistance to schools at all development tiers.

This consortium cannot be housed within a single HBCU—it must be an independent 501(c)(3) with its own board, staff, and budget. However, HBCUs should hold majority governance positions, ensuring the pipeline serves their institutional interests. Initial capitalization of the consortium itself would require $25-50 million to establish offices, hire expert staff, and begin coordinating the network’s development. Regional chapters of the consortium would operate in major areas—the Southeast Chapter, Texas Chapter, Midwest Chapter, West Coast Chapter—each responsible for school development in their territories. These chapters would be staffed by education experts, fundraisers, and facilities planners who understand both K-12 education and HBCU pipelines. The consortium model solves the coordination problem. Without it, well-meaning but disconnected efforts will struggle. With it, alumni know where to direct resources, new schools follow proven models, and the ecosystem develops strategically rather than haphazardly.

With leadership structure established, building this ecosystem requires coordinated action across a decade. Year one should focus on stabilizing and expanding the four remaining Black boarding schools with immediate capital infusions, launching five elite Black day schools in major metropolitan areas with full capitalization and endowments, and establishing formal partnerships between all K-12 institutions and nearby HBCUs. Year two should expand competition programming at all HBCU laboratory schools with PhD-level coaching staffs, launch ten additional elite day schools in strategic regions nationwide, and create the first network-wide competition circuit exclusively for member institutions.

By year three, the network should establish tiered certification for all participating Black schools, regardless of founding date, launch the first network venture capital fund for graduate entrepreneurs, and open five new boarding schools in geographically diverse locations. Year four should scale to thirty total elite day schools and ten boarding schools, establish PhD faculty recruitment pipelines specifically for network schools, and create comprehensive summer programs where students from all network schools can access intensive competition preparation. Finally, year five should see the graduation of the first full cohorts who experienced elementary through high school entirely within network institutions, the achievement of national competition championships by multiple network schools, and network endowments exceeding $2 billion collectively across all institutions.

Within a decade, this network produces tens of thousands of Black students annually receiving world-class education, wins national competition championships regularly, feeds HBCUs with exceptionally prepared students, and becomes self-sustaining through graduate giving and economic activity. The Eight Schools Association took over a century to build their institutional power. With strategic focus and adequate resources, the Black K-12-to-HBCU pipeline can achieve comparable influence in a fraction of that time.

The civil rights movement fought for integration, and those battles were necessary. But sixty years later, the results are mixed. Majority-Black schools face disproportionate closure. Black students in predominantly white institutions navigate isolation and microaggressions. The promise that integration would provide equal access has proven incomplete. The path forward isn’t abandoning integration but building powerful alternatives—Black-controlled institutions that offer excellence on our terms. When the Eight Schools Association sets standards, they do so for their community’s benefit. When they build pipelines to Ivy League schools, they’re securing their children’s futures. African Americans deserve the same institutional sovereignty.

This ecosystem—day schools, boarding schools, laboratory schools, HBCUs, research labs, businesses—creates options. A Black student should be able to receive world-class education from Pre-K through doctoral degree entirely within Black institutions, if they choose. That choice currently doesn’t exist at scale. Building it is the work. The competition focus is merely the entry point—a measurable goal that drives institutional development. But the vision extends far beyond Science Olympiad trophies. It’s about creating an ecosystem where Black excellence is systematically produced, celebrated, and leveraged to build generational wealth and institutional power.

Our children deserve day schools and boarding schools as prestigious as Exeter and Andover—schools that are ours. They deserve laboratory schools as innovative as the most progressive independent schools—schools that feed into our universities. They deserve competition networks as robust as any in America—networks that celebrate Black achievement unapologetically. The infrastructure exists in fragments. The model is proven. What’s required now is collective commitment—alumni investment, HBCU leadership, and community support to build an ecosystem of Black educational excellence that rivals any in the world. Not for integration into existing power structures, but to establish our own. Not just for high school, but from the earliest years through college and career. Not just for the few who can access boarding schools, but for the many who need excellent day schools in their communities. The time for this work is now. The resources exist. The need is urgent. Let’s build.

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Tagged African American boarding schools, african american education, black boarding schools, Black educational excellence, Black K-12 education, Black private schools, Black school funding, Black student achievement, black wealth building, educational equity, educational sovereignty, elite Black schools, hbcu alumni, HBCU laboratory schools, HBCU pipeline, HBCU schools, historically black colleges, school competition programs, STEM competitions for Black students, STEM education for minorities

HBCU Money’s 2025 Top 10 HBCU Endowments

Posted on February 17, 2026 by hbcumoney | Leave a comment

Note: These data are based on colleges, universities, affiliated foundations, and related nonprofit organizations that volunteered to participate in NACUBO’s endowment study series.

A year after Howard University became the first HBCU to break the $1 billion endowment value mark, four other HBCUs have reached the $100 million mark. It is a complicated celebration when the NACUBO report shows 89 PWIs who have at least $2 billion in endowment value. A few notable HBCUs who reported last year like Morehouse College, North Carolina A&T and Meharry Medical College who have been regular NACUBO participants, are all absent from this year’s list. An HBCU favorite, the University of Virgin Islands returned after an absence in 2024. The reality on the ground with the looming crisis in admissions is for most HBCUs, $500 million is the endowment floor and only two HBCUs (Howard and Spelman) are above that mark. With not as many students graduating K-12, that means HBCUs who are heavily reliant on tuition revenue will see acute strains in the coming decade. It is not a matter of if, but when. Strong endowments are often the only thing that can see institutions through times of stress. That currently includes political stress that all colleges and universities are facing as it relates to state and federal funding. The lack of urgency among HBCU alumni continues to be concerning. Many HBCU alumni think their institution is in better financial shape than it is with no real landscape of higher education economics and the factors that create vulnerability. Using HBCU Alumni Associations and Chapters as more aggressive investment vehicles that can benefit an HBCU’s foundation and endowment are paramount to long-term stability. But this means seeing them as more than social clubs. HBCUs like all African American institutions are in perilous times and continued reliance on lottery philanthropy that may or may not come from non-alumni driven philanthropy (see Mackenzie Scott, Michael Bloomberg, etc.) is as dangerous as hoping to pay your bills every month with scratch off lottery tickets.

NACUBO Press Release:

“This year’s report shows how important well-managed endowments are to colleges and universities,” said Kara D. Freeman, NACUBO President and CEO. “Endowments help fuel innovation and serve as a stable foundation for institutions. Because of challenges in the economy, some institutions relied more heavily on their endowments—but that additional spending benefited students, faculty, staff, research, operations, and more. Endowments make college possible and more affordable, and contribute to better lives for all.”

NACUBO HIGHLIGHTS:

Top 10 HBCU Endowment Total – $2.4 billion*
Top 10 PWI Endowment Total – $340.0 billion
Number of PWIs Above $2 billion – 89
Number of PWIs Above $1 billion – 169
Number of HBCUs Above $1 billion – 1
Number of HBCUs Above $100 million – 4*
678 colleges, universities, and education-related foundations completed NACUBO’s FY25 survey and those institutions hold $953.7 billion of endowment assets with an average endowment of $1.4 billion and median endowment of $259.9 million.
HBCUs comprised 1.4 percent of NACUBO’s reporting institutions and 0.3 percent of the reporting endowment assets.
PWI endowments (32) with endowments over $5 billion hold 57.4 percent of the $953.7 billion in endowment assets.

**The change in market value does NOT represent the rate of return for the institution’s investments. Rather, the change in the market value of an endowment from FY24 to FY25 reflects the net impact of:
1) withdrawals to fund institutional operations and capital expenses;
2) the payment of endowment management and investment fees;
3) additions from donor gifts and other contributions; and
4) investment gains or losses.

SOURCE: NACUBO

Take a look at how an endowment works. Not only scholarships to reduce the student debt burden but research, recruiting talented faculty & students, faculty salaries, and a host of other things can be paid for through a strong endowment. It ultimately is the lifeblood of a college or university to ensure its success generation after generation.

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Tagged Black college endowment growth, college endowment rankings, college financial inequality, education endowment trends, HBCU alumni giving, hbcu endowments, HBCU financial stability, HBCU funding gap, HBCU investment strategies, HBCU Money rankings, higher education finance data, historically Black colleges finances, Howard University endowment, largest HBCU endowments, NACUBO endowment report, PWI vs HBCU endowments, Spelman College endowment, top Black colleges 2025, Top HBCU endowments 2025, university endowment statistics, wealth gap

Russell Wilson and Ciara Wilson: The Quiet Matchmakers Reshaping Black Love and Its Implications for African American Institutions

Posted on February 13, 2026 by hbcumoney | Leave a comment

Love is or it ain’t. Thin love ain’t love at all. – Toni Morrison, Beloved

When Pittsburgh Steelers wide receiver DK Metcalf proposed to Grammy-nominated singer Normani in March 2025, everyone saw the romance. But few understood the deeper significance. Three years earlier, Russell Wilson and Ciara had orchestrated the introduction at a party where Ciara made sure Normani attended. “They was playing cupid, but it worked,” Normani later said. “If you could trust a couple [to set you up], that would be the couple.”

Four months later in July 2025, when NBA star Donovan Mitchell proposed to singer Coco Jones, the Wilsons were once again celebrating behind the scenes. Russell had helped plan the proposal, working with luxury event planners to create the perfect moment.

Two high-profile engagements. One couple quietly orchestrating connections. But this isn’t just celebrity matchmaking—it’s something more profound. Russell and Ciara Wilson are modeling what intentional Black love looks like, and the ripple effects could fundamentally reshape African American institutional capacity at a moment when our community desperately needs it.

What makes the Wilsons’ matchmaking significant isn’t the celebrity of the couples they bring together—it’s the deliberateness of it. They’re not hoping love happens. They’re creating the conditions for it. They’re investing three years of relationship before an engagement. They’re using their social capital to bridge different professional spheres, connecting successful Black professionals across industries who might never meet organically despite moving in similar circles.

This kind of intentionality around Black love has historical resonance. During the segregation era and Jim Crow, when every institution worked to keep Black families separated and destabilized, our communities survived by being deliberate about connection. Churches served as matchmakers. Family networks facilitated introductions. HBCUs became spaces where Black professionals met their future spouses. The community understood that strong marriages weren’t just about individual happiness—they were about survival and institutional building.

The data reveals something striking: marriage rates for Black adults were higher than for white adults in every U.S. Census from 1890 to 1940—the height of overt racism and segregation. Even in 1960, the marriage rate for Black adults was 61%, and two-thirds of Black children lived in two-parent households. Today, only 31% of Black Americans are married, and half have never been married at all.

What changed wasn’t racism—that existed then and persists now. What changed was the infrastructure of intentionality around Black love. The systems that deliberately brought people together, that supported young marriages, that made partnership formation a community priority—those eroded while the obstacles remained.

Understanding what the Wilsons are doing requires understanding what Black families have survived—and what continues to threaten our ability to build generational wealth and institutional power through stable partnerships.

The historical attacks on Black family formation were systematic and devastating. During segregation, redlining prevented Black families from buying homes in appreciating neighborhoods, which meant that even when Black couples married and saved, their wealth accumulated at a fraction of the rate of white families. Housing policies created by the federal government in the 1930s explicitly designated Black neighborhoods as too risky for mortgage lending, forcing Black families into predatory contracts that often ended in eviction.

But perhaps no threat has been more insidious than the systematic devaluation of Black women as romantic partners. Research consistently shows that Black women face unique marginalization in the dating market. Studies reveal that Black women receive the lowest desirability ratings on dating platforms from men of all races, with one 2014 OKCupid analysis finding Black women rated as “least attractive” compared to women of other races. These aren’t just numbers—they reflect deep-seated stereotypes that paint Black women as too masculine, too strong, too independent, too angry to be desirable partners.

The roots of these stereotypes trace directly to slavery, when Black femininity was deliberately contrasted against white femininity to justify Black women’s oppression and exploitation. When Black women assertively advocate for themselves, society—including some Black men—uses labels like “loud,” “angry,” and “emasculating” to question their worthiness for romantic relationships. The myth persists despite Black women’s clear desire for marriage and partnership.

This devaluation creates a devastating cycle. Black men face their own pressures and internalized racism, sometimes leading them to view relationships outside the Black community as aspirational—an “upgrade” that signals status and success. The data bears this out: among Black newlyweds with bachelor’s degrees, men are more than twice as likely as women to marry outside their race (30% versus 13%). Some Black men internalize colorism and Eurocentric beauty standards, further narrowing the pool of Black women they consider desirable partners.

When successful Black men choose partners outside the community without understanding the implications, they dilute the very networks and institutional capacity the Black community needs to build generational power. They reduce the already constrained supply of partners for Black women who, despite facing the most challenging dating environment of any demographic, remain the group most committed to intra-racial partnership. This isn’t about policing individual choice—it’s about recognizing that individual choices, aggregated across thousands of successful Black professionals, have community-level consequences for institutional sustainability.

When the Great Migration brought millions of Black families north seeking better opportunities, they found wages increasing but housing wealth eroding. Segregated housing markets meant Black families paid higher rents for deteriorating properties while watching their neighborhoods decline in value. The very act of Black families moving into a neighborhood triggered white flight, which collapsed property values. Homes that should have been vehicles for wealth accumulation became wealth traps.

Then came the deliberate destruction. The Tulsa Race Massacre of 1921 obliterated what was known as “Black Wall Street”—a thriving district where Black families owned land, operated businesses, and built wealth estimated at over $200 million in today’s dollars. Hundreds died, thousands were left homeless, and laws were passed to prevent survivors from rebuilding. This wasn’t unique. Chicago saw approximately 1,000 Black homes and businesses burned during the Red Summer of 1919. Across the country, thriving Black communities were systematically destroyed through racial violence that governments failed to prevent and often actively supported.

The wealth that did accumulate often couldn’t be transferred. Without access to estate planning services and facing discriminatory legal systems, many Black families lost property through “heirs property” designations that left land ownership unclear and prevented descendants from accessing the wealth their grandparents had built.

Today’s threats are more subtle but no less destructive. Mass incarceration has removed hundreds of thousands of Black men from their communities, destroying the gender balance needed for relationship formation. The student debt crisis hits Black families hardest—Black graduates owe an average of $25,000 more than their white peers—making the economic foundation for marriage more precarious. The wealth gap means young Black couples can’t fall back on family wealth during rough patches the way white couples can. Geographic dispersion means young Black professionals leave the high-marriage-rate states where HBCU ecosystems once facilitated connections, moving to cities where they’re isolated from institutional support networks.

But perhaps most damaging is the loss of cultural infrastructure around Black love. The deliberate community matchmaking of previous generations has largely disappeared. The social pressure and support for marriage has weakened. Dating apps have replaced friend introductions, optimizing for superficial attraction rather than shared values and compatible life goals. Young Black professionals, especially those who’ve left HBCU networks, often lack access to communities of Black peers navigating similar life stages.

The Wilsons understand something crucial: strong Black marriages aren’t just about personal fulfillment. They’re about building institutional capacity. When they facilitate a marriage between DK Metcalf and Normani, they’re not just creating a happy couple—they’re multiplying resources that could flow to Black institutions.

Consider the mathematics of it. Married couples don’t just have double the income of single individuals—they accumulate wealth exponentially faster. Black married couples have a median net worth of $131,000 compared to just $29,000 for single Black individuals. This isn’t because marriage magically creates money. It’s because marriage allows for coordinated financial strategy, shared expenses, combined networks, and the ability to take risks one income couldn’t support.

But the real multiplier effect extends beyond individual household wealth. Strong Black marriages create:

Coordinated Philanthropic Power: A married couple decides together where to direct resources. They create family foundations. They develop multi-year giving strategies to institutions they both value. They leverage their combined networks to recruit other donors. They become major benefactors rather than occasional contributors.

Intergenerational Institutional Commitment: Children from stable two-parent households inherit not just wealth but institutional loyalty. A child whose parents both attended HBCUs, both support Black cultural institutions, both invest in Black businesses—that child grows up with institutional commitment encoded in their identity. They become the next generation of supporters, leaders, and advocates.

Professional Network Effects: When two successful Black professionals marry, their networks merge. Different industries intersect, creating unexpected opportunities. Professional connections multiply. These network overlaps create opportunities for institutional partnerships, corporate sponsorships, business ventures, and talent pipelines that wouldn’t exist otherwise.

Resilience and Risk-Taking: Married couples can take risks single individuals cannot. They can invest in Black startups, fund untested ventures, support experimental programs, and make long-term commitments to institutions precisely because they have a partner sharing the risk. This risk-taking capacity is essential for institutional innovation and growth.

Cultural Modeling and Social Capital: Visible successful Black marriages change cultural narratives. They make marriage aspirational. They demonstrate what’s possible. They create social pressure in the positive sense—the expectation that successful Black professionals will find partners, build families, and invest in community. This cultural shift has compound effects across generations.

The geographic data supports this institutional impact. Seven of the top ten states with highest Black marriage rates—Virginia (34.0%), Maryland (33.2%), Texas and Delaware (32.8%), Florida and North Carolina (31.3%), and Georgia (30.9%)—are HBCU states. These states have thriving Black middle classes, strong African American institutions, and robust professional networks. The marriage rates aren’t coincidental—they’re evidence of how institutional ecosystems and family stability reinforce each other.

What the Wilsons are doing works because they understand marriage formation as network building. They’re not running a dating service. They’re curating a community of successful Black professionals who share values, understand each other’s pressures, and can build partnerships that transcend individual achievement.

Research shows people are still most likely to meet long-term partners through friends, family, or work rather than dating apps. The Wilsons are leveraging this truth at scale. Every couple they help create becomes a new node in an expanding network. Metcalf and Normani will introduce their single friends to each other. Mitchell and Jones will facilitate connections within their circles. The Wilsons’ nine-year marriage serves as the model and proof of concept.

This creates self-reinforcing cycles. Strong marriages produce stable families. Those families invest in institutions. Those institutions create spaces where the next generation forms relationships. Those relationships produce more strong marriages. The cycle builds momentum.

This is how communities accumulate power—not through individual success stories but through interconnected networks of families committed to collective advancement. During segregation, Black communities maintained this infrastructure deliberately because they had to. We knew that isolated success meant nothing if it couldn’t be transferred to the next generation or scaled across the community.

The Wilsons are reviving this model for the contemporary moment, when Black professionals are more economically successful than ever but often isolated from the institutional networks that would allow that success to compound.

Imagine if what the Wilsons are doing at the celebrity level was replicated across every tier of Black professional achievement. Imagine if young Black doctors, lawyers, engineers, educators, entrepreneurs were part of deliberate matchmaking networks that facilitated connections based on shared values and institutional commitment.

The compound effects would be staggering:

Economic Impact: Thousands of additional stable Black marriages would translate to billions in accumulated wealth. That wealth, properly channeled, could recapitalize Black institutions that have operated on shoestring budgets for generations. HBCUs could build endowments rivaling elite white institutions. Black hospitals could expand. Community development financial institutions could scale their lending. Black cultural institutions could thrive rather than merely survive.

Political Power: Married couples are more likely to vote, more likely to engage in civic life, more likely to serve on boards and run for office. A generation of politically engaged Black couples could fundamentally shift electoral dynamics and policy priorities in states with large Black populations.

Professional Advancement: The network effects of thousands of strategic Black marriages would create unprecedented opportunities for collaboration. Black entrepreneurs would have access to capital through their spouses’ networks. Black professionals would have insider information about opportunities through their partners’ connections. The “old boys network” that has excluded Black professionals for generations could be matched by networks of Black couples leveraging their combined social capital.

Cultural Renaissance: Stable Black families create the conditions for cultural production. Artists need economic security to take creative risks. Writers need time to develop their craft. Musicians need resources to experiment. When Black creative professionals have partners who can provide economic stability, the entire community benefits from their artistic output.

Institutional Sustainability: Perhaps most critically, networks of strong Black marriages ensure institutional continuity. When couples commit to supporting institutions together, those institutions can plan decades into the future. They can launch ambitious programs knowing they have committed donors. They can weather economic downturns because their supporter base is stable. They can dream bigger because their foundation is stronger.

But recognizing what’s possible raises uncomfortable questions about what’s missing. If the Wilsons can facilitate life-changing connections within celebrity circles, why doesn’t similar infrastructure exist for the thousands of Black professionals outside those circles? If marriage rates for Black adults were higher during Jim Crow than today, what infrastructure did we lose—and how do we rebuild it?

These questions don’t have simple answers, but they demand serious consideration:

How do we recreate the deliberate matchmaking infrastructure that sustained Black communities during segregation, adapted for contemporary circumstances? Church networks and family connections can’t carry the full weight when young Black professionals are geographically dispersed and disconnected from traditional institutions.

What would institutional investment in Black relationship formation look like? HBCUs, Black Greek organizations, professional associations, cultural institutions—these entities have the trust and access to facilitate connections. But do they recognize this as part of their mission? Do they allocate resources to it? Do they measure success by families formed, not just events hosted?

How do we address the structural barriers that make marriage economically precarious for young Black professionals? Student debt, wage gaps, wealth inequality, housing costs—these aren’t relationship problems, but they make relationship formation dramatically harder for Black Americans than for white Americans with similar educational attainment.

What role does media and culture play in shaping expectations around Black love? When the dominant narratives about Black relationships emphasize dysfunction and failure, when successful Black marriages are invisible, when young Black people grow up without models of healthy partnerships—this creates self-fulfilling prophecies that perpetuate the marriage gap.

How do we balance individual freedom and choice with community needs for strong families and institutions? Nobody should be pressured into marriage. But if the community loses the infrastructure that facilitates healthy relationship formation, individual freedom becomes isolation by default.

The Wilsons have shown what’s possible. Their intentional matchmaking, their sustained investment in couples’ success, their willingness to leverage their social capital for others’ benefit—this is the model. But celebrity circles can only accommodate so many couples. The question is how to scale this intentionality across the Black professional class.

The answer must be institutional, because only institutions can sustain infrastructure across generations. Individual matchmakers burn out. Informal networks fragment. But institutions—if properly designed and resourced—can maintain systems indefinitely.

What might institutional investment in Black love infrastructure look like?

HBCU Alumni Networks as Matchmaking Ecosystems: Alumni associations in major cities could host quarterly events specifically designed to facilitate connections among young Black professionals. Not awkward singles mixers, but sophisticated networking events, community service projects, cultural experiences where relationships form organically among people with shared backgrounds and values. Success could be measured not just by attendance but by marriages facilitated and families formed.

Black Professional Associations as Relationship Hubs: Organizations for Black lawyers, doctors, engineers, educators, entrepreneurs could recognize relationship facilitation as core to their mission. When successful Black professionals marry, their combined professional power benefits the entire community. These associations could create structured mentorship that pairs young professionals not just for career guidance but for life partnership modeling.

Technology Platforms Designed for Black Love: Dating apps optimize for engagement and superficial attraction. What if technology was designed specifically to facilitate meaningful connections among Black professionals committed to community building? Platforms that prioritize shared values, institutional loyalty, life goals, and cultural understanding over swipe-right dynamics.

Financial Incentives for Family Formation: What if institutions offered tangible support for young Black couples? Grants for couples pursuing marriage counseling. Low-interest loans for home purchases for alumni couples. Scholarships for children of HBCU alumni couples. These investments would pay dividends in institutional loyalty that compounds across generations.

Cultural Campaigns Celebrating Black Love: Media campaigns showcasing successful Black marriages, particularly among professionals committed to community advancement. Not aspirational fantasy but realistic portrayals of how successful couples navigate challenges, support each other’s growth, and invest in institutions. Make Black love visible, aspirational, and achievable.

Research Infrastructure: We lack basic data on what makes Black marriages successful. Which combinations of backgrounds, values, and life circumstances predict long-term partnership success? What interventions effectively support young Black couples through early marriage challenges? Hampton University’s National Center on African American Marriage and Parenting represents a start, but we need comprehensive research infrastructure that can inform evidence-based programming.

The answers won’t come from any single intervention but from a ecosystem of institutional support that makes Black love not just possible but probable. That makes stable marriages not just aspirational but expected. That makes family formation not just personal but communal.

Russell and Ciara Wilson didn’t set out to solve the Black marriage crisis or to transform African American institutional capacity. They’re simply two people who understand the value of healthy relationships and want to share that blessing with their friends.

But their efforts reveal what’s missing and what’s possible. They show that when influential people commit to facilitating connections within Black professional circles, life-changing partnerships form. They demonstrate that intentionality around Black love produces results that individual effort alone cannot achieve. They prove that building strong Black marriages is institution-building at its most fundamental level.

The viral social media pleas asking the Wilsons to expand their matchmaking aren’t just jokes. They reflect a genuine hunger for what the Wilsons provide—thoughtful facilitation of connections among Black professionals who share values and aspirations. They reveal the absence of infrastructure that our grandparents’ generation took for granted because it was built into the fabric of Black community life.

The declining marriage rate among African Americans isn’t inevitable. It’s the result of infrastructure collapse that can be reversed through deliberate institutional investment. The opportunity is to recognize that facilitating Black love isn’t tangential to institutional missions—it’s foundational to building the networks of stable families that will sustain Black institutions for generations.

Seven of the ten states with highest Black marriage rates are HBCU states, which means the foundation still exists. The communities are still present. The institutions still stand. What’s needed is leadership willing to acknowledge that the work of building Black institutional power begins with building Black families. That the work of building Black families requires intentional infrastructure. That the work of building that infrastructure is everyone’s responsibility who claims commitment to Black advancement.

The Wilsons are showing us what’s possible when two people commit to intentionally building Black love within their circles of influence. The question for the rest of us—for institutions, for leaders, for anyone with social capital and community commitment—is whether we’ll do the same within our own spheres. Whether we’ll recognize matchmaking as institution-building. Whether we’ll invest in the infrastructure that makes Black love not just possible but inevitable.

The fire is there. The Wilsons are fanning the flames. The question is whether the rest of us will add fuel until it becomes a blaze that lights the way for generations to come.

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Posted in Lifestyle

Tagged African American institutions, African American marriages, Black couples, Black family formation, black love, Black marriage rates, black philanthropy, black wealth building, Black women dating, celebrity matchmaking, Ciara, Coco Jones, DK Metcalf, Donovan Mitchell, hbcu alumni, HBCU relationships, interracial dating, Normani, relationship building, Russell Wilson

Teaching the Next Generation: A Guide to Empowering African American Youth Through Strategic Philanthropy

Posted on February 10, 2026 by hbcumoney | Leave a comment

A single twig breaks, but the bundle of twigs is strong. – Tecumseh

The tradition of giving runs deep in African American communities. From the mutual aid societies formed during enslavement to the church collections that funded the Civil Rights Movement, Black Americans have always understood that our collective survival depends on our willingness to invest in one another. Yet somewhere between necessity and aspiration, we’ve lost the language to teach our children that philanthropy isn’t charity—it’s power.

Teaching African American children ages 5-18 about philanthropy means doing more than dropping coins in a collection plate. It means helping them understand that strategic giving builds the institutions that will protect, educate, and employ them throughout their lives. It means showing them that every dollar they contribute to Black-led organizations is a vote for their own future.

Starting Early: Philanthropy for Elementary Ages (5-10)

Young children understand fairness instinctively. They know when something isn’t right, and they want to help fix it. This natural empathy creates the perfect foundation for introducing philanthropic concepts.

Begin with concrete examples from African American history. Tell them about the Free African Society, founded in 1787 by Richard Allen and Absalom Jones, which provided mutual aid to Black Philadelphians. Explain how enslaved people pooled resources to purchase freedom for family members. These aren’t abstract concepts they’re survival strategies that became institutional frameworks.

Create a family giving jar where children can contribute a portion of their allowance or gift money. Let them research and choose a Black-led organization to support quarterly. This could be a local youth program, a historical preservation society, or an HBCU scholarship fund. The key is giving them agency in the decision-making process. When children see their small contributions combine with others to create meaningful impact, they begin to understand collective power.

Use storytelling to illustrate how institutions are built. Talk about how HBCUs were created because white institutions excluded Black students. Explain how Mary McLeod Bethune started a school with $1.50 and turned it into Bethune-Cookman University. Show them that great institutions often begin with small, consistent contributions from people who understood the long game.

Middle School: Understanding Institutional Building (11-13)

By middle school, children can grasp more sophisticated concepts about how money moves and how power is built. This is when we introduce them to the difference between charity and institutional philanthropy.

Charity addresses immediate needs—feeding the hungry, clothing the poor. Institutional philanthropy builds the structures that create long-term change: schools, hospitals, community development corporations, legal defense funds, policy organizations. Both matter, but only institutional philanthropy shifts power dynamics.

Teach them about the NAACP Legal Defense Fund, established in 1940. Explain how sustained philanthropic support allowed lawyers like Thurgood Marshall to develop the legal strategy that led to Brown v. Board of Education. This wasn’t a one-time donation it was years of investment that transformed American society.

Introduce the concept of endowments and investment income. Too many African American organizations operate in perpetual crisis mode, chasing donations year after year. Show students the difference between an organization with a $100,000 annual budget that must be fundraised every twelve months and an organization with a $2 million endowment generating $80,000 annually in investment income. The second organization can focus on mission instead of survival.

Start a philanthropy club at school or in your community. Let students identify a need in their community and develop a giving circle to address it. They should practice everything: setting fundraising goals, researching organizations, making collective decisions, tracking impact, and understanding how their contributions grow through consistent giving. This hands-on experience transforms abstract concepts into practical skills.

High School: Strategic Power Building (14-18)

High school students are ready to understand philanthropy as a tool for social, economic, and political empowerment. They can analyze power structures and recognize how institutional support or the lack thereof shapes outcomes in Black communities.

Teach them to read institutional budgets and annual reports. Show them how to evaluate whether an organization has sufficient reserves, how much goes to programs versus overhead, and whether they’re building long-term sustainability. This financial literacy is essential for effective philanthropy.

Explore the concept of investment income in depth. Many students don’t realize that major institutions—universities, museums, hospitals—operate primarily on endowment income, not annual fundraising. Harvard’s endowment generated approximately $2.3 billion in investment income in recent years. Imagine if HBCUs collectively had similar resources. Explain that building Black institutional power requires moving beyond the donation mentality to an investment mindset.

Discuss how philanthropy intersects with political power. Show them how think tanks, policy organizations, and advocacy groups are funded. Explain that when Black communities don’t adequately fund our own policy organizations, others define the agenda affecting our lives. The Tea Party movement and its affiliated organizations received hundreds of millions in philanthropic support that reshaped American politics. What might be possible if African American communities invested similarly in organizations advancing our interests?

Examine collective philanthropy models. Traditional philanthropy often centers wealthy donors making large gifts. But collective giving where many people contribute smaller amounts has always been the African American philanthropic model. From church building funds to contemporary giving circles, we’ve understood that our strength lies in numbers. Today’s technology makes collective philanthropy more powerful than ever. A thousand people giving $100 monthly creates $1.2 million annually enough to endow a scholarship, support a community organization, or launch a new initiative.

Encourage students to start giving now, even if it’s $5 monthly to an organization they believe in. The habit matters more than the amount. A teenager who gives $10 monthly from age 16 to 66 contributes $6,000 in direct donations, but if that money is invested and earns average returns, it represents tens of thousands in institutional support.

Teaching African American youth about philanthropy means helping them understand its components and how they work together to build institutional power.

Educational Institutions: HBCUs, independent schools, scholarship funds, and educational support organizations create pathways to opportunity and preserve cultural knowledge. Sustained philanthropic support allows these institutions to build endowments, improve facilities, and attract top faculty and students.

Economic Development: Community development corporations, Black-owned business incubators, affordable housing organizations, and loan funds build wealth and economic stability. These institutions require patient capital and sustained support to create generational impact.

Legal and Policy Organizations: Civil rights organizations, legal defense funds, policy think tanks, and advocacy groups shape the rules that govern society. Inadequate funding in this sector means Black interests remain underrepresented in policy formation.

Cultural Institutions: Museums, historical societies, arts organizations, and media companies preserve our stories and shape narratives. Control over our cultural narrative requires institutional infrastructure that only sustained philanthropy can build.

Health and Social Services: Community health centers, mental health organizations, and social service providers address immediate needs while building the institutional capacity to serve Black communities long-term.

Each component requires different funding strategies. Some need operating support, others need capital for buildings or technology, many need endowment building. Teaching youth to think strategically about where and how they give helps them maximize impact.

The most important lesson we can teach African American children about philanthropy is that it’s not optional it’s essential. Every community that has built institutional power has done so through sustained, strategic philanthropy. Jewish communities support Jewish institutions. Asian American communities support Asian American institutions. African American communities must do the same.

Start conversations early. Make giving a family practice. Teach children to evaluate organizations critically. Help them understand that building Black institutional power is a marathon, not a sprint. Show them that their contributions, combined with others, create the schools, organizations, and institutions that will serve generations to come.

This isn’t about guilt or obligation. It’s about power, self-determination, and legacy. When we teach our children that philanthropy is institution-building, we give them tools to shape their own future rather than waiting for others to determine it for them.

The question isn’t whether African American communities can afford to invest in our institutions. The question is whether we can afford not to.

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Posted in Philanthropy

Tagged African American economic empowerment, African American institutions, African American philanthropy, Black community investment, Black financial literacy, Black institutional power, black wealth building, Black-led organizations, charitable giving education, collective giving circles, Community Development, endowment building strategies, generational wealth, HBCU fundraising, institutional philanthropy, philanthropy for kids, strategic philanthropy, teaching children about giving, youth philanthropy education

The Quiet Collapse of HBCU-Based Credit Unions — and What Michigan State’s $8.26 Billion Juggernaut Reveals About the Cost

Posted on February 6, 2026 by hbcumoney | Leave a comment

We went from bartering to dollars. We can go from capitalism to whatever may come next. But without institutional ownership of the institutions that control the circulation of the medium, without the institutional ownership that protects our economic interest, and without the institutional ownership that reduces financial risk in our community, then power and empowerment will always be reduced to the fantasy of freedom we tell ourselves with raised fists. – William A. Foster, IV

There is a financial story unfolding across the historically Black college and university landscape that is not receiving nearly enough attention. It is not a story about endowments, donor campaigns, or legislative funding fights — though it touches all of those. It is a story about credit unions: small, member-owned financial institutions that were once tethered to HBCUs as a gateway to financial inclusion for Black students, faculty, and alumni. One by one, they are disappearing. And the speed with which they have vanished over the past five years should alarm anyone who has spent even a passing moment thinking about African American wealth-building.

In 2020, HBCU Money published a comprehensive directory of all eleven HBCU-based credit unions in the country. The list was not long to begin with. Eleven institutions, spread across the nation, collectively holding $88.7 million in total assets and serving roughly 14,953 members. Those numbers were already modest bordering on fragile but they represented something tangible: a constellation of Black-controlled financial institutions with deep roots in the communities they served.

Today, that number has dropped to six.

Five HBCU-based credit unions have either closed or been acquired since that 2020 snapshot. Howard University Employees Federal Credit Union in Washington, D.C., which held $10.1 million in assets making it the fourth-largest in the group is no longer operational as an independent institution. Savannah State Teachers Federal Credit Union in Georgia, Tennessee State University’s credit union, and Shaw University’s federal credit union in Raleigh, North Carolina, the smallest of the group at just $400,000 in assets, have all ceased to exist as independent entities.

And then there is Prairie View A&M University Federal Credit Union, a case study in how these institutions disappear not with a clean closure, but with an acquisition that raises questions nobody seems willing to ask out loud. Prairie View FCU, which held $3.7 million in assets as of 2020, was absorbed by Cy-Fair Federal Credit Union, the credit union tied to Cypress-Fairbanks Independent School District in the Houston suburbs. Prairie View FCU now operates as a division of Cy-Fair FCU, retaining its name and its single location at the foot of the PVAMU campus but operating entirely under Cy-Fair’s infrastructure, branding, and control. The Cy-Fair FCU website frames the arrangement in the warmest possible terms celebrating PVFCU’s “remarkable 85-year history” and its founding in 1937 by sixteen pioneers who created a financial institution to serve employees of what was then Texas’s first state-supported college for African Americans. The language is reverent. The reality is that an 85-year-old Black institution, one built by and for a Black community, is now a subsidiary of a school district credit union. This in and of itself should be acutely embarrassing to the HBCU community. A school district lording over a higher education institution community’s financial interest.

The choice of Cy-Fair FCU as the acquiring institution deserves scrutiny. Cypress-Fairbanks ISD is the third-largest school district in Texas, but its relationship with its Black community has been, to put it charitably, troubled. In 2020, the district was forced to confront documented racial disparities in its own student discipline where African American students made up 18.5 percent of enrollment but accounted for 38.7 percent of suspensions in the 2018-19 school year. The district commissioned an equity audit, and the results confirmed what critics had long alleged: districtwide discrepancies in academics, discipline, and staff representation along racial lines. White students consistently outperformed Black peers on standardized tests and graduated at higher rates, while the teaching staff remained overwhelmingly white — 66 percent white in 2019-20, even as the student body had become far more diverse.

The situation reached a national flashpoint in January 2022 when Cy-Fair ISD trustee Scott Henry, who had won his seat on a platform centered on opposing critical race theory, made remarks at a board work session that were widely condemned as racist. Henry openly questioned the value of hiring more Black teachers, pointing to Houston ISD’s higher percentage of Black educators and linking it to that district’s dropout rate — a claim that multiple studies and education researchers have thoroughly debunked. Harris County Judge Lina Hidalgo, then Houston Mayor Sylvester Turner, the NAACP, and the ACLU of Texas all called for his resignation. Henry was fired from his position at software company Splunk but, because he was elected, could not be removed from the board by his colleagues. His remarks, and the social media trail of racially charged posts that preceded them, painted a portrait of the ideological environment within Cy-Fair ISD’s governance.

It is into this environment that Prairie View FCU, an institution founded specifically to serve a historically Black university community was folded. The Cy-Fair FCU website does not dwell on any of this context. It offers a “Panther Card” debit card that channels a portion of spending back to PVAMU athletics, and it lists enhanced services like video banking and remote deposit. These are not trivial upgrades for an institution that previously lacked basic digital banking capabilities. But the upgrades come at a cost: Prairie View FCU’s independence, its board, and its autonomy as a Black-controlled financial institution are gone. What remains is a branding exercise — a name on a building, a division page on someone else’s website.

Five institutions, gone in roughly four years. What remains is a smaller, more concentrated group of survivors. According to 2025 data from the National Credit Union Administration, the six remaining HBCU-based credit unions now hold a combined $76.8 million in total assets and serve 11,588 members. Southern Teachers & Parents Federal Credit Union in Baton Rouge, Louisiana, leads the group at $28.9 million in assets. Florida A&M University Federal Credit Union in Tallahassee follows closely at $28.5 million. Virginia State University Federal Credit Union in South Chesterfield, Virginia, has seen meaningful growth, reaching $13.3 million in assets, a 54.4 percent increase since 2016. Councill Credit Union at Alabama A&M in Normal, Alabama, clocks in at $2.5 million, though it has lost roughly 28 percent of its assets over the same period. Arkansas A&M College Federal Credit Union in Pine Bluff holds $1.9 million, and Xavier University’s Credit Union in New Orleans, one of the smallest surviving institutions, manages $1.7 million.

The trajectory is not encouraging. Even among the survivors, total membership has declined by more than seven percent since 2016, dropping from 12,467 members to 11,588. The average assets per member across the group have risen — from $5,189 to $5,611 — but that figure is almost entirely a function of assets outpacing a shrinking membership base, not a sign of organic financial health or deepening engagement. These are institutions hemorrhaging members even as they struggle to grow. And that hemorrhaging did not catch everyone off guard. Back in February 2012, HBCU Money published a detailed proposal outlining a path forward for these credit unions — not as isolated, single-branch institutions stumbling through each academic year, but as a unified financial force. The concept was straightforward in theory: consolidate the eleven HBCU-based credit unions into a single national institution, or at the very least forge a formal alliance that would pool resources, share technology infrastructure, and create economies of scale.

The 2012 proposal painted a picture of what that consolidated institution could look like. With access to the combined workforce of HBCUs — roughly 180,000 full and part-time employees — along with approximately 400,000 students, over a million alumni, the endowments of more than a hundred institutions, and the financial ecosystems of the communities surrounding each campus, a unified HBCU credit union would have been one of the most significant African American-controlled financial institutions in the country. It would have had the scale to offer affordable mortgages, student loans, small business financing, and a suite of services that, individually, none of these credit unions could ever dream of providing.

That merger never materialized. The alliance was never formed. And the consequences of that inaction are now playing out in real time as institutions that might have been strengthened by consolidation instead fold into obscurity. The reasons for the failure are familiar and deeply structural. HBCU administrations have historically been risk-averse when it comes to financial innovation, partly because of the precarious funding environments many of these schools operate in, and partly because of a broader cultural reluctance to prioritize financial infrastructure as a strategic institutional asset. The credit unions themselves lacked the technological sophistication and institutional support needed to compete in a rapidly evolving financial services landscape. Many of them did not have functional websites, mobile apps, or even basic debit card programs, amenities that any modern financial institution would consider non-negotiable. As the 2020 directory noted, the most glaring deficiency was a lack of FinTech investment. Without it, these credit unions were structurally incapable of retaining members whose financial needs matured beyond what a single-branch, limited-service institution could offer.

To understand just how far behind HBCU-based credit unions have fallen, it helps to look at what a university-based credit union can become when it is given the institutional support, technological investment, and long-term strategic commitment to grow. Michigan State University Federal Credit Union — MSUFCU — is that example. And the comparison is, frankly, staggering. MSUFCU, headquartered in East Lansing, Michigan, is the largest university-based credit union in the world. Founded in 1937 by eight faculty and staff members — its earliest records were kept in a desk drawer, it has grown into a financial powerhouse that, as of 2025, serves over 367,000 members and holds $8.26 billion in assets. It operates out of more than 30 branches across Michigan, has expanded into the Chicago metropolitan area, and employs over 1,300 people. It is not just a credit union; it is a regional financial institution by any standard measure.

Put that number next to the combined assets of every African American credit union in the country including the six remaining HBCU-based credit unions and the disparity becomes almost difficult to articulate. The six surviving HBCU-based credit unions hold, collectively, $76.8 million in assets. MSUFCU holds $8.26 billion. That means a single predominantly white university credit union holds more than 107 times the combined assets of every HBCU-based credit union still in existence. MSUFCU’s assets are not just larger than the combined total of HBCU credit unions they exceed the total assets of virtually all African American credit unions in the country. The gap is not a crack. It is a canyon.

MSUFCU did not arrive at this scale through magic or accident. It grew because Michigan State University invested in it. It grew because the institution was given the runway to expand its membership base from employees to students to alumni and to build out the technological and physical infrastructure that a modern credit union requires. It grew because it had the institutional backing to pursue mergers and acquisitions, absorbing smaller credit unions and even banks as it expanded its geographic footprint. Every strategic move MSUFCU has made over the past several decades — the branch expansions, the technology partnerships, the acquisition of McHenry Savings Bank and Algonquin State Bank in the Chicago area — reflects a long-term institutional vision that HBCU-based credit unions have never had the support or the organizational will to pursue. The contrast is not merely about money. It is about institutional commitment. It is about whether a university sees its credit union as a strategic asset, a vehicle for building generational wealth among its community or as an afterthought, a small office on the edge of campus that serves a fraction of the student body and operates with minimal oversight and fewer resources.

The 2025 NCUA data on the six surviving HBCU-based credit unions tells a story of incremental progress layered on top of structural decline. Virginia State University Federal Credit Union is the clearest success story in the group, growing its assets by 54.4 percent since 2016 from $8.6 million to $13.3 million and increasing its assets per member by 87.1 percent, from $3,742 to $7,001. Florida A&M University Federal Credit Union has also seen solid growth, with total assets rising 41.3 percent to $28.5 million, and membership expanding by 16.5 percent to 3,918 members. But these gains are exceptions, not the rule. Southern Teachers & Parents Federal Credit Union in Baton Rouge, the largest in the group, has grown its assets by only 2 percent since 2016, and its membership has fallen by 15.6 percent, dropping from 5,124 members to 4,326. It is holding steady on assets while quietly bleeding its membership base. Councill Credit Union at Alabama A&M has seen its assets shrink by nearly 28 percent since 2016, and its membership has fallen by over 30 percent. Arkansas A&M College Federal Credit Union has lost 22.7 percent of its assets. Xavier University’s credit union has contracted by 36.3 percent in assets and lost 5 percent of its membership. Across the group, the median asset change since 2016 is negative 10.3 percent. The median membership change is negative 10.3 percent as well. For every Virginia State that is growing, there are two or three institutions quietly shrinking toward irrelevance.

The average assets per member across all six institutions now stands at $5,611, up from $5,189 in 2016. That is a 12.5 percent increase — a number that sounds encouraging until you consider that MSUFCU’s assets per member, calculated from its $8.26 billion in assets and 367,000 members, comes to approximately $22,500. HBCU credit union members hold, on average, roughly one-quarter of the per-member asset value that an MSU credit union member does. The wealth-building capacity of these institutions is simply not comparable.

The collapse of five HBCU-based credit unions between 2020 and 2025 is not an isolated event. It is a symptom of a larger pattern in African American financial infrastructure one in which institutions that could, in theory, serve as engines of wealth circulation and community investment instead wither from neglect, underfunding, and a failure of institutional imagination. The 2012 proposal for a consolidated HBCU credit union was not a radical idea. It was a practical one. Credit union mergers are common across the industry. MSUFCU itself has pursued multiple mergers and acquisitions as a core part of its growth strategy. The tools, the regulatory framework, and the precedent all exist. What has been missing is the will on the part of HBCU administrations, alumni networks, and the broader African American institutional ecosystem to treat financial infrastructure with the same urgency that is applied to endowment campaigns or facility renovations.

The #BankBlack movement that surged during the social justice awakening of 2020 brought renewed attention to African American financial institutions, including credit unions. But attention without structural investment is temporary. The members who were inspired to open accounts at HBCU credit unions during that period appear, in many cases, to have drifted away once the cultural moment passed, a pattern visible in the continued membership declines across the group.

If the remaining six HBCU-based credit unions are to survive and if the broader ecosystem of African American credit unions is to grow rather than contract the conversation must shift from nostalgia to strategy. That means revisiting the merger and alliance models that were proposed over a decade ago. It means demanding that HBCUs treat their credit unions as institutional priorities, not afterthoughts. It means investing in the technological infrastructure that members now expect as a baseline. And it means reckoning honestly with the fact that, while MSUFCU serves as an aspirational model, it did not build $8.26 billion in assets overnight. It built them over nearly ninety years of sustained, intentional institutional support.

The clock is not on HBCU credit unions’ side. The five that have already closed will not reopen. But the six that remain still hold something valuable: a foothold. The question is whether the institutions and communities they serve will invest in preserving it or whether the quiet collapse will simply continue, one credit union at a time, until there are none left to save.

Disclaimer: This article was assisted by ClaudeAI.

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Posted in Banking & Credit Unions

Tagged african american credit unions, african american financial institutions, BankBlack movement, Black credit unions closing, Black financial infrastructure, Cy-Fair Federal Credit Union, Cy-Fair ISD racial issues, HBCU credit union collapse, hbcu credit unions, HBCU economic empowerment, HBCU financial institutions, HBCU merger proposal, HBCU Money banking, HBCU Wealth Building, Michigan State University Federal Credit Union, MSUFCU, NCUA African American credit unions, Prairie View A&M credit union, Prairie View FCU acquisition, university credit unions

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Teaching the Next Generation: A Guide to Empowering African American Youth Through Strategic Philanthropy

Starting Early: Philanthropy for Elementary Ages (5-10)

Middle School: Understanding Institutional Building (11-13)

High School: Strategic Power Building (14-18)

The Quiet Collapse of HBCU-Based Credit Unions — and What Michigan State’s $8.26 Billion Juggernaut Reveals About the Cost

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