Consumer Credit Counseling Service Of San Francisco
- Assets
- $10.0m
- Revenue
- $17.3m
- Investments
- $0.0
- Employees
- 85
- Location
- Concord, CA
- Founding
- 07/1974
- Data as of
- 12/2021
- EIN
- 94-1688163
Organization Overview
Consumer Credit Counseling Service Of San Francisco is located in Concord, CA. The organization was established in 1974. According to its NTEE Classification (P51) the organization is classified as: Financial Counseling, under the broad grouping of Human Services and related organizations. As of 12/2021, Consumer Credit Counseling Service Of San Francisco employed 85 individuals. This organization is an independent organization and not affiliated with a larger national or regional group of organizations. Consumer Credit Counseling Service Of San Francisco is a 501(c)(3) and as such, is described as a "Charitable or Religous organization or a private foundation" by the IRS.
For the year ending 12/2021, Consumer Credit Counseling Service Of San Francisco generated $17.3m in total revenue. This represents relatively stable growth, over the past 7 years the organization has increased revenue by an average of 3.6% each year. All expenses for the organization totaled $17.5m during the year ending 12/2021. While expenses have increased by 4.5% per year over the past 7 years. They've been increasing with an increasing level of total revenue. You can explore the organizations financials more deeply in the financial statements section below.
Since 2021, Consumer Credit Counseling Service Of San Francisco has awarded 39 individual grants totaling $9,199,787. If you would like to learn more about the grant giving history of this organization, scroll down to the grant profile section of this page.
Form
990
Mission & Program ActivityExcerpts From the 990 Filing
TAX YEAR
2021
Describe the Organization's Mission:
Part 3 - Line 1
WE WILL HELP INDIVIDUALS AND FAMILIES NATIONWIDE OVERCOME OBSTACLES AND BREAK THE CYCLE OF POVERTY THROUGH COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AND EDUCATION.
Describe the Organization's Program Activity:
Part 3 - Line 4a
HOUSING - THE BALANCE HOUSING DEPARTMENT PROVIDES THE ENTIRE RANGE OF HOUSING COUNSELING SERVICES, INCLUDING RENTAL, PRE-PURCHASE, POST-PURCHASE, FORECLOSURE PREVENTION, AND REVERSE MORTGAGE COUNSELING AND EDUCATION. THROUGH COMMUNITY OUTREACH AND STRATEGIC PARTNERSHIPS, WE OFFER HUD-APPROVED HOUSING EDUCATION AND COUNSELING TO FAMILIES NATIONWIDE. IN 2021, WE PROVIDED HOUSING COUNSELING TO 4,451 CONSUMERS, 920 OF THOSE CONSUMERS WERE IN DANGER OF LOSING THEIR HOME TO FORECLOSURE AND AVOIDED IT. IN 2021, 3,519 CLIENTS STARTED THE HOMEOWNERSHIP EDUCATION PROCESS AND 71 OF THEM BECAME HOMEOWNERS.
FINANCIAL FITNESS AND DEBT MANAGEMENT SERVICES OUR COUNSELORS AND EDUCATORS SERVE ALL OF THE COUNSELING REFERRALS FROM OUR NEARLY 400 PARTNERS, INCLUDING CREDIT UNIONS, BANKS, EMPLOYERS, AND EAPS. THEY PROVIDE ONE-ON-ONE COUNSELING COVERING MONEY MANAGEMENT, DEBT REDUCTION, CREDIT SCORE IMPROVEMENT, STUDENT LOAN REPAYMENT, AND PREPARING FOR HOMEOWNERSHIP. COUNSELING AND EDUCATION IS PROVIDED VIA PHONE, CHAT, EMAIL, AND IN BOTH VIRTUAL AND IN-PERSON CLASSROOM SETTINGS. IN 2021, WE PROVIDED FINANCIAL FITNESS COUNSELING, SMART MONEY COACHING, AND/OR DEBT MANAGEMENT SERVICES TO 61,656 CLIENTS. THROUGH OUR PRIVATE-LABEL WEBSITES, CONSUMERS HAVE COMPLETED 35,301 ONLINE LEARNING MODULES. WE CONDUCTED 288 FINANCIAL FITNESS WORKSHOPS AND WEBINARS, PROVIDING EDUCATION TO 11,894 ATTENDEES. THE CLIENTS WE SERVE REPAID OVER $1.6 MILLION IN DEBT IN 2021.
SMART MONEY COACHING IN PARTNERSHIP WITH THE SAN FRANCISCO OFFICE OF FINANCIAL EMPOWERMENT, WE STRENGTHEN THE ECONOMIC SECURITY AND MOBILITY OF LOW-INCOME SAN FRANCISCANS THROUGH COACHING TO HELP REMOVE BARRIERS TO ACCESSING OPPORTUNITIES, ACCESS SAFE AND AFFORDABLE BANKING, ESTABLISH EMERGENCY SAVINGS TO BETTER COPE WITH FINANCIAL SHOCKS, REDUCE DEBT, AND STABILIZE HOUSING. FUNDING COMES FROM CITY DEPARTMENTS THAT ENABLE US TO REACH UNDERSERVED COMMUNITIES BY INTERWEAVING PROGRAM REFERRALS THROUGH AN EXISTING SERVICE DELIVERY WITHIN HUMAN SERVICES, HOUSING AUTHORITY, AND WORKFORCE DEVELOPMENT AGENCIES. COACHING IS AVAILABLE TO ANYONE LIVING, WORKING, OR RECEIVING SERVICES IN SAN FRANCISCO. BALANCE CURRENTLY HAS 16 ACTIVE SMART MONEY COACHING SITES (PARTNER CBOS).
Get More from Intellispect for FreeCreate a free account to get more data, nonprofit salaries, advanced search and more.
Board, Officers & Key Employees
| Name (title) | Role | Hours | Compensation |
|---|---|---|---|
Enrique C Delgadillo President & CEO | Officer | 60 | $227,838 |
Darrell Christoff Cio | Officer | 40 | $200,501 |
Cynthia Campbell Cxo | Officer | 40 | $185,883 |
Tina Cota CFO | 40 | $160,806 | |
Linda Davis Vice-Pres. Housing | 40 | $124,947 | |
Melyssa Barrett Secretary | OfficerTrustee | 2 | $0 |
Outside Vendors & Contractors
| Vendor Name (Service) | Service Year | Compensation |
|---|---|---|
Navigator Networks Llc Tech Services | 12/30/21 | $249,200 |
Venable Llp Legal Services | 12/30/21 | $124,328 |
Financial Statements
| Statement of Revenue | |
|---|---|
| Federated campaigns | $0 |
| Membership dues | $0 |
| Fundraising events | $0 |
| Related organizations | $0 |
| Government grants | $1,846,428 |
| All other contributions, gifts, grants, and similar amounts not included above | $1,815,866 |
| Noncash contributions included in lines 1a–1f | $0 |
| Total Revenue from Contributions, Gifts, Grants & Similar | $3,662,294 |
| Total Program Service Revenue | $13,542,062 |
| Investment income | $132,139 |
| Tax Exempt Bond Proceeds | $0 |
| Royalties | $0 |
| Net Rental Income | $0 |
| Net Gain/Loss on Asset Sales | $0 |
| Net Income from Fundraising Events | $0 |
| Net Income from Gaming Activities | $0 |
| Net Income from Sales of Inventory | $0 |
| Miscellaneous Revenue | $0 |
| Total Revenue | $17,336,495 |
| Statement of Expenses | |
|---|---|
| Grants and other assistance to domestic organizations and domestic governments. | $9,199,787 |
| Grants and other assistance to domestic individuals. | $0 |
| Grants and other assistance to Foreign Orgs/Individuals | $0 |
| Benefits paid to or for members | $0 |
| Compensation of current officers, directors, key employees. | $614,222 |
| Compensation of current officers, directors, key employees. | $37,467 |
| Compensation to disqualified persons | $0 |
| Other salaries and wages | $3,743,771 |
| Pension plan accruals and contributions | $0 |
| Other employee benefits | $696,384 |
| Payroll taxes | $288,679 |
| Fees for services: Management | $0 |
| Fees for services: Legal | $0 |
| Fees for services: Accounting | $0 |
| Fees for services: Lobbying | $0 |
| Fees for services: Fundraising | $0 |
| Fees for services: Investment Management | $0 |
| Fees for services: Other | $274,636 |
| Advertising and promotion | $190,468 |
| Office expenses | $15,899 |
| Information technology | $697,126 |
| Royalties | $0 |
| Occupancy | $1,015,194 |
| Travel | $0 |
| Payments of travel or entertainment expenses for any federal, state, or local public officials | $0 |
| Conferences, conventions, and meetings | $0 |
| Interest | $0 |
| Payments to affiliates | $0 |
| Depreciation, depletion, and amortization | $166,947 |
| Insurance | $98,682 |
| All other expenses | $75,344 |
| Total functional expenses | $17,501,332 |
| Balance Sheet | |
|---|---|
| Cash—non-interest-bearing | $4,746,715 |
| Savings and temporary cash investments | $4,390 |
| Pledges and grants receivable | $0 |
| Accounts receivable, net | $2,363,292 |
| Loans from Officers, Directors, or Controlling Persons | $0 |
| Loans from Disqualified Persons | $0 |
| Notes and loans receivable | $0 |
| Inventories for sale or use | $0 |
| Prepaid expenses and deferred charges | $584,100 |
| Net Land, buildings, and equipment | $312,976 |
| Investments—publicly traded securities | $578,530 |
| Investments—other securities | $0 |
| Investments—program-related | $0 |
| Intangible assets | $69,056 |
| Other assets | $1,337,240 |
| Total assets | $9,996,299 |
| Accounts payable and accrued expenses | $310,345 |
| Grants payable | $0 |
| Deferred revenue | $2,039,768 |
| Tax-exempt bond liabilities | $0 |
| Escrow or custodial account liability | $29,164 |
| Loans and other payables to any current Officer, Director, or Controlling Person | $0 |
| Secured mortgages and notes payable | $0 |
| Unsecured mortgages and notes payable | $0 |
| Other liabilities | $2,532,688 |
| Total liabilities | $4,911,965 |
| Net assets without donor restrictions | $5,084,334 |
| Net assets with donor restrictions | $0 |
| Capital stock or trust principal, or current funds | $0 |
| Paid-in or capital surplus, or land, building, or equipment fund | $0 |
| Retained earnings, endowment, accumulated income, or other funds | $0 |
| Total liabilities and net assets/fund balances | $9,996,299 |
Grants Awarded
Over the last fiscal year, Consumer Credit Counseling Service Of San Francisco has awarded $9,199,787 in support to 39 organizations.
| Grant Recipient | Amount |
|---|---|
Riverside, CA PURPOSE: HOUSING COUNSELING & EDUCATION | $1,425,000 |
Farmington Hills, MI PURPOSE: HOUSING COUNSELING & EDUCATION | $1,014,750 |
Phoenix, AZ PURPOSE: HOUSING COUNSELING & EDUCATION | $930,000 |
Santa Clara, CA PURPOSE: HOUSING COUNSELING & EDUCATION | $614,250 |
Manalapan, NJ PURPOSE: HOUSING COUNSELING & EDUCATION | $487,500 |
Rancho Cucamonga, CA PURPOSE: HOUSING COUNSELING & EDUCATION | $457,500 |
Grants Recieved
Over the last fiscal year, we have identified 1 grants that Consumer Credit Counseling Service Of San Francisco has recieved totaling $94.
| Awarding Organization | Amount |
|---|---|
Amazonsmile Foundation Seattle, WA PURPOSE: GENERAL SUPPORT | $94 |
Peer Organizations
| Organization Name | Assets | Revenue |
|---|---|---|
Money Management International Inc Phoenix, AZ | $55,363,723 | $38,595,180 |
Consumer Credit Counseling Service Of San Francisco Concord, CA | $9,996,299 | $17,336,495 |
Springboard Non-Profit Consumer Credit Management Inc Riverside, CA | $8,795,796 | $5,993,379 |
Take Charge America Inc Phoenix, AZ | $22,881,953 | $7,255,476 |
Usa Homeownership Foundation Inc Corona, CA | $3,434,411 | $5,441,843 |
Debtwave Credit Counseling Inc Escondido, CA | $1,629,187 | $5,189,974 |
Access Counseling Inc Los Angeles, CA | $878,879 | $2,910,345 |
Earn To Learn Tucson, AZ | $1,535,362 | $2,450,878 |
Christian Credit Counselors Inc Carlsbad, CA | $6,458,952 | $2,790,959 |
Abacus Credit Counseling Encino, CA | $7,151,653 | $2,039,579 |
Cricket Debt Counseling Portland, OR | $3,870,920 | $1,652,866 |
National Budget Planners Of South Florida Inc Livermore, CA | $1,611,064 | $2,018,775 |