Things are not black and white, no pun intended. But Habitat for Humanity is a good example of a charity executed right. They help Native Americans, to everyone else. So yes, if you exclusively help someone solely based off the color of their skin, with the notion of advancing only a certain race, then yes, I would consider that racist. It's not called Habitat for Native Americans. Or Habitat for Blacks. It's called Habitat for Humanity. Also, affirmative action based off of race is morally wrong. (Note about me: My gf is of another ethnicity origin than myself, and I love diversity. I see organizations that are based on race morally wrong, and promote segregation and cultural bias)