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· Public charity
CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC
To help stabilize communities by creating hope and promoting economic self-sufficiency.
$1.0M
Granted FY2023
10
Grants
8
Communities
$490k
Largest
01What you fund
0197% classified
What you funded, over time
Every grant clustered by its grantee’s IRS cause code (NTEE), by year — across FY2019–2023.
Human Services$3.0MYouth Development$27kOther$93k
02beneath the categories
Past the labels — and the year it shifted
Beneath the NTEE codes, this is what the grant descriptions actually say.
…and in their own words, year by year
2019
—
2020
—
2021
—
2022
housing stabilityhousing housing
2023
housing stabilityhousing housing
Words distinctive to each year’s grant purposes (TF-IDF) · event-driven terms in cyan.
03FY2023 · 10 grants
Where the money goes
Your grants by size, and where they go.
By grant size · FY2023
- Under $10k2 grants · $12k
- $10k–50k4 grants · $63k
- $50k–250k3 grants · $535k
- $250k+1 grant · $490k
$27,484
Median grant
8
States reached
$0
Total assets
Largest grants
- MONEY MANAGEMENT INTERNATIONAL INC$490,295
- CONSUMER EDUCATION SERVICES INC CESI$245,434
- CONSUMER DEBT COUNSELORS$193,920
- TAKECHARGE$95,950
- PARACHUTE CREDIT COUNSELING$27,484
- FAMILYMEANS$13,000
- CCCS OF BUFFALO$12,342
- RESERVOIR HILL IMPROVEMENT COUNCIL$10,234
- SERVICES OF HOPE$9,819
- CLARIFI$1,950
02The need
04
Do your dollars go where the need is?
Each grant placed by the hardship in its grantee’s ZIP, then read against the area’s typical level.
show:
Your human-services grants (FY19–23, $3.0M) land where the poverty rate runs at 10% — the area typically sits at 11%. 44% of those dollars reach neighborhoods with above-average need. Your grants spread fairly evenly across need levels.
grant to an above-average-need area below average· circle size = grant amount
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP; grantee ZIP can differ from where services are delivered.
US grants placed by each grantee’s ZIP, which can differ from where services are actually delivered. Need from public data — U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA, United Way ALICE — shown as context about the area, never attributed to your giving.
03Your edge
repeat funding
Who you back again
Which organizations you funded more than once, and which you funded a single time. Each grantee is matched to its own filings.
98%of every dollar goes to organizations you’ve funded before.
$3.1M · 9 repeat orgs$48k to everyone else
9 repeat relationships — 8 still active in FY2023, 1 since wound down; 1 grantees were first funded in FY2023 (too recent to call).
How the two cohorts compare
Re-uppedFunded once
Organizations
9
1
Total granted
$3.1M
$35k
Median revenue growth · since first grant
+6%
+22%
Still filing today
100%
100%
New vs renewed · share of each year
In FY2023, 99% of grant dollars renewed an existing relationship; $13k went to new ones.
RenewedFirst-time
Where new relationships form · theme of each grantee’s first grant
Human ServicesYouth DevelopmentOther
First-time = a grantee’s first year in your filing window; renewed = funded in an earlier year too. As a portfolio matures the renewed share naturally climbs — once funded, an org stays “renewable” — so the signal is the years that buck it (a new-grantee intake wave). The earliest year is left-censored: relationships that predate the data read as “new.” Theme is the grantee’s IRS cause.
Backed again, and grew
- CDCONSUMER DEBT COUNSELORS4× · 2020–2023 · $775k · revenue +5%
- TTAKECHARGE3× · 2019–2023 · $359k · revenue +17%
- PCPARACHUTE CREDIT COUNSELING4× · 2020–2023 · $172k · revenue +20%
Funded once
- NNEIGHBORWORKSone grant, 2021 · $35k · revenue +22%
Repeat = funded in two or more distinct years; growth and survival are read from each grantee’s own subsequent IRS filings.
04Your field
The map has a center of gravity: the average direction from the rest of the sector toward the organizations the foundation funds — the shape of its giving. Scoring every nonprofit along that direction surfaces the ones that look most like the portfolio. These are the closest matchesthat aren’t grantees — a resemblance in what they say they do, not a recommendation.
1
Consumer Credit Counseling Service
Educate and empower individuals to create a realistic budget to avoid bankruptcy.
Human Services
2
Credit Card Management Services Inc
LMI; credit counseling, budget and debt management; Comprehensive HUD approved housing counseling and EOUST credit counseling and debtor education prior to consumer bankruptcy. To partner in affordable housing opportunities.
Human Services
3
Consumer Credit Counseling Service of
We will help individuals and families nationwide overcome obstacles and break the cycle of poverty through comprehensive financial and housing counseling and education.
Human Services
4
Cambridge Credit Counseling Corp
The organization specializes in providing education and counseling services to individuals and groups who are concerned about their financial situation. If appropriate, the organization also helps individuals establish affordable and…
Human Services
5
Consumer Credit Counseling Service of
To recognize and address the financial challenges of our clients and our community. through professional counseling and education, we endeavor to promote financial stability.
Human Services
6
Family Credit Counseling Service
Family Credit Counseling Service Inc. (FCCS) was established to provide financial education for consumers, with an emphasis on consumers with low income and/or excessive amounts of debt.
Human Services
7
Consolidated Credit Solutions Inc
To assist individuals who are experiencing financial difficulties trough professional financial counseling and education.
—
8
Housing and Credit Counseling Inc
HCCI counsels and educates all people to achieve their personal housing and financial goals.
—
9
Center for Consumer Recovery Inc
Committed to helping people resolve delinquent debt problems, reduce financial stress and improve family stability.
Human Services
10
Consumer Credit Counseling Service of Maryland and Delaware Inc
To help stabilize communities by creating hope and promoting economic self-sufficiency.
—
11
Greenpath Inc
Empowering people to lead financially healthy lives.
Human Services
12
Credit Counseling of Arkansas Inc
To improve the quality of life of individuals and families through financial education, credit and housing counseling, and money management services.
Human Services
For reference, the grantee most central to the portfolio’s shape is Consumer Credit Counseling Service Inc and the most unlike its peers is Money Management International Inc. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
05the grantee network
11 grantees, every filing reconciled, 2017–2025.
Each one resolved to its own IRS returns and tracked year by year — your grant beside their revenue.
0
Load-bearing (≥25% of a budget)
2
Early backer (in before they grew)
11/11
Grantees still filing
8/11
Grew since you first funded
Where your money sits — by cause, then by grantee
Human Services$3,017,862Other$92,562Youth Development$27,254
Each org by its size and your share of it — top-left is where you’re load-bearing
Go grantee by grantee — a decade per org, and how each moved after you funded them
A decade per grantee — revenue shaded, your grants as bars, all rows on one timeline.
- Who funds CONSUMER EDUCATION SERVICES INC CESI ↗
- Who funds CONSUMER DEBT COUNSELORS ↗
- Who funds MONEY MANAGEMENT INTERNATIONAL INC ↗
- Who funds TAKECHARGE ↗
- Who funds PARACHUTE CREDIT COUNSELING ↗
- Who funds RESERVOIR HILL IMPROVEMENT COUNCIL ↗
- Who funds NEIGHBORWORKS ↗
- Who funds CLARIFI ↗
- Who funds SERVICES OF HOPE ↗
- Who funds CONSUMER CREDIT COUNSELING INC ↗
- Who funds FAMILYMEANS ↗
The grantmakers whose grantees overlap with yours far more than size alone predicts. Each orbits closer the stronger the alignment; the arcs between them show where they also fund each other. Here it reads as a tightly interlocked camp — most of these funders back each other's grantees too.
National Foundation for CreditDC22.5× affinity8 shared granteesties to 3 of 3Hover any node to trace its alignments.Compare side by side →
Open a dossier: National Foundation for Credit · The Bank of America Charitable Foundation Inc · American Online Giving Foundation Inc · Amazonsmile Foundation
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. A research starting point: overlap is association, not proof of shared intent.
Government reliance of your grantees
Every dot is one organisation CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC funds. Left–right is the share of its income from government; up–down is the share from you. Bigger dots raise more. Filter to federal or a single department — and drag the year to watch it move.
2024
’20’21’22’23’24
- Reservoir Hill Improvement Council Inc — 68% of income from government
no gov moneyreceives it· size = income
1get no government money at all
1rely on government for over half their income
⤢ axis zoomed · 0–75%
typical government reliance, FY20–24
Government income is each org’s traced federal awards (USASpending — grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check. An association, not a claim that your grant caused the public funding. Coverage is precision-first — a floor, not a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12–24 months.
05Through Plinth
Through Plinth
Your grantmaking, live and operational
This dossier was generated cold from public filings. In Plinth it’s a working system — every applicant assessed and every grant monitored. Here’s a taste, run on one of your grantees: CONSUMER DEBT COUNSELORS.
Agentic due diligence · confidence × risk
Financial management
high risk
~1 months of operating runway; revenue held over 7 filed years.
Track record & reputation
low risk
7 years of Form 990 filings, still active.
Legal standing
low risk
US 501(c)(3); EIN 593548266 on file with current IRS Form 990 filings.
Governance
Live in Plinth
Board composition & governance documents — verified live in Plinth from the applicant.
Compliance & sanctions
Live in Plinth
OFAC / UN sanctions screening — run live in Plinth at assessment.
Program capacity
Live in Plinth
Staffing, M&E and activity alignment — assessed live in Plinth from submitted proposals.
Live · Plinth’s real DD engine
Run the actual assessment on CONSUMER DEBT COUNSELORS, cold from public data.
Generated live from public IRS filings + open web sources by Plinth’s agentic engine. Shown as an illustration of the product, not a formal assessment.
Post-award monitoring · continuous checks
- FlagFinancial stability— Roughly 1 months of cash on hand.
- On trackSustained operations— Filing through 2024; revenue held over the period.
- On trackReliance on your funding— Your grants peaked at 21% of their budget — diversified.
- Awaiting reportEvidence of delivery— Plinth collects the grantee's own monitoring reports post-award.
What you see here is static and public. In Plinth it’s operational — the full six-pillar framework on every applicant (with their own documents + live registry and sanctions checks), monitoring dashboards on every award, custom board reports, and eligibility routing for intake.
Agentic due diligenceMonitoring dashboardsCustom board reportsEligibility routing
Preview generated from this grantee’s public IRS filings and independent reporting. Pillars marked “live in Plinth” require the applicant’s submitted documents. Shown as illustration, not a formal assessment.
Warm introductions · Powered by PlinthPro
How do I get to Consumer Credit Counseling Service of Maryland and Delaware Inc?
Find your warmest path to Consumer Credit Counseling Service of Maryland and Delaware Inc through people who sit on both boards. Search for your organization and Plinth traces the introduction across shared trustees and officers.
Every link is a documented governance overlap in public IRS 990 filings — not a personal network — and each hop carries its own confidence tier. Low-confidence or distant paths are held back rather than guessed.
More from the funding graph
The regranting layer
51% of grant dollars pass through an intermediary
The DAF merry-go-round
$9.7B circulates between donor-advised funds
Strange bedfellows
the named clusters of US funding
The camps
funders cluster by geography, not ideology
By state
where grant money is based, and what stays home
State money flows
the interactive map of money crossing state lines