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Consumer Credit Counseling Service of San Francisco Dba Balance at a glanceAlso receives grants: funding profile →

· Public charity

Consumer Credit Counseling Service of San Francisco Dba Balance

To empower people through client-centric financial coaching and education, equipping them with the knowledge and skills to drive change, overcome financial challenges, and build lasting wealth.

$11M
Granted FY2024still arriving
36
Grants FY2024still arriving
10
States reached
$1.3M
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2021 to 2024.

Housing & Shelter$40MHuman Services$1.9M
02FY2024 · 36 grants

Where the money goes

Grants by size, and the largest recipients.

By grant size · FY2024

  • Under $10k2 grants · $18k
  • $10k–50k5 grants · $81k
  • $50k–250k15 grants · $1.9M
  • $250k+14 grants · $8.9M
$141,000
Median grant
10
States reached
$13M
Total assets
Largest grants
RecipientAmount
NAVICORE$1,332,000
MONEY MGMT INTERNATIONAL$1,151,250
GREENPATH FINANCIAL WELLNESS$1,124,250
CREDITORG$931,500
PROJECT SENTINEL$753,750
A-1 COMMUNITY HOUSING SERVICE$685,500
INLAND EMPIRE RESOURCE CENTER$546,750
NEIGHBORWORKS SACRAMENTO$442,500
NEIGHBORWORKS ORANGE COUNTY$397,500
NEIGHBORHOOD HS OF INLAND EMP$342,000
NEIGHBORHOOD HS LA COUNTY$324,750
NEIGHBORHOOD PARTNERSHIP HS$297,750
COMM HOUSING COUN OF FRESNO$295,994
VENTURA COUNTY COMM DEV$285,000
SHALOM CENTER$247,500
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Its human-services grants (FY21–24, $20.5M) land where the poverty rate runs at 10%, against an area that typically sits at 10%. 48% of those dollars go to grantees based in above-average-need neighborhoods. Its grants spread fairly evenly across need levels.

area typical 10%TAKE CHARGE AMERICA: $179k → 11%CAMBRIDGE CREDIT COUNCIL COR: $389k → 17%A-1 COMMUNITY HOUSING SERVICE: $938k → 10%GROW BROOKLYN: $11k → 20%MONEY MGMT INTERNATIONAL: $1.4M → 8%DEBTHELPERCOM: $266k → 11%CONSUMER DEBT COUNSELORS: $118k → 13%DEBT MGMT CREDIT COUN CORP: $281k → 13%GREENPATH FINANCIAL WELLNESS: $1.7M → 8%CONSUMER EDUC SERVICES INC: $306k → 8%PIONEER CREDIT COUNSELING: $101k → 14%TAKE CHARGE AMERICA: $101k → 11%CAMBRIDGE CREDIT COUNCIL COR: $216k → 17%A-1 COMMUNITY HOUSING SERVICE: $686k → 10%MONEY MGMT INTERNATIONAL: $1.4M → 8%DEBTHELPERCOM: $112k → 11%DEBT MGMT CREDIT COUN CORP: $229k → 13%GREENPATH FINANCIAL WELLNESS: $1.3M → 8%CONSUMER EDUC SERVICES INC: $168k → 8%PIONEER CREDIT COUNSELING: $90k → 14%TAKE CHARGE AMERICA: $73k → 11%CAMBRIDGE CREDIT COUNCIL COR: $202k → 17%A-1 COMMUNITY HOUSING SERVICE: $631k → 10%CREDITORG: $1.4M → 11%MONEY MGMT INTERNATIONAL: $1.2M → 8%DEBTHELPERCOM: $78k → 11%DEBT MGMT CREDIT COUN CORP: $140k → 13%GREENPATH FINANCIAL WELLNESS: $1.1M → 8%CONSUMER EDUC SERVICES INC: $117k → 8%PIONEER CREDIT COUNSELING: $60k → 14%TAKE CHARGE AMERICA: $70k → 11%A-1 COMMUNITY HOUSING SERVICE: $256k → 10%CREDITORG: $1.3M → 11%MONEY MGMT INTERNATIONAL: $930k → 8%DEBT MGMT CREDIT COUN CORP: $95k → 13%GREENPATH FINANCIAL WELLNESS: $1.0M → 8%CREDITORG: $932k → 11%CREDITORG: $842k → 11%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
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.

Which US states its grants reach

VT
IL
MI
NY
MA
SD
NJ
CA
MD
AZ
NC
TX
FL
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

97%of every dollar goes to organizations it has funded before.
$40M · 36 repeat orgs$1.4M to everyone else

Grantees it renews have grown median revenue +2% since the first grant, against -9% for those funded once.

36 repeat relationships: 27 still active in FY2024, 9 since wound down; 9 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

36
3

Total granted

$40M
$70k

Median revenue growth · since first grant

+2%
-9%

Still filing today

89%
100%

New vs renewed · share of each year

In FY2024, 88% of grant dollars renewed an existing relationship; $1.4M went to new ones.

50%100%’21’22’23’24
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’21’22’23’24
Human ServicesHousing & ShelterCommunity ImprovementYouth DevelopmentCrime & LegalPhilanthropyOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). 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

  • MM
    MONEY MANAGEMENT INTERNATIONAL INC
    4× · 2021–2024 · $4.9M · revenue +30%
  • PS
    PROJECT SENTINEL INC
    4× · 2021–2024 · $2.9M · revenue +27%
  • AC
    A-1 COMMUNITY HOUSING SERVICES
    4× · 2021–2024 · $2.5M · revenue +362% · 97% of their budget

Funded once

  • NC
    New Community Corporation
    one grant, 2021 · $44k · revenue -9%
  • FH
    FAIR HOUSING COUNCIL OF RIVERSIDE COUNTY
    one grant, 2021 · $15k · revenue -66%
  • GB
    GROW BROOKLYN INCgraduated
    one grant, 2021 · $11k · revenue +41%
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field

Closest unfunded matches

The nonprofits that most resemble its grantees but are not funded by it, scored along the direction from the rest of the field toward the portfolio. A resemblance in what they say they do, not a recommendation.

1
California Housing Partner Corporation

The California Housing Partnership Corporation creates and preserves affordable and sustainable homes for Californians with low incomes by providing expert financial and policy solutions to nonprofit and public partners.

Unclassified
2
Cplc Nevada Inc

Cplc nevada, inc. is a community development corporation (cdc), committed to building stronger, healthier communities by leading advocate, coalition builder, and direct service provider. (continued on schedule o)cplc nevada, inc. promotes…

Community Improvement
3
Global Empowerment Development Corporation Inc

The organization operates a housing counseling program to assist individuals in securing and maintaining safe, affordable housing through pre-purchase training, foreclosure prevention counseling, and fair housing education. in tandem, our…

Community Improvement
4
Neighborhood Housing Services of New Haven Inc

Community based housing program designed to stabilize neighborhoods mainly through loans to home owners unable to obtain alternative financing and construction and rehabilitation of housing, related services include technical assistance,…

Housing & Shelter
5
Chn Housing Capital

Chn housing capital is a certified community development financial institution serving low-income individuals and distressed communities guided by the belief that homeownership should be within everyone's reach.

Human Services
6
Consumer Credit Counseling Service of San Francisco Dba Balance

To empower people through client-centric financial coaching and education, equipping them with the knowledge and skills to drive change, overcome financial challenges, and build lasting wealth.

Human Services
7
Neighborhood Housing Services of Waco

Building stronger neighborhoods through homeownership, quality rental housing and community building initiatives.

Housing & Shelter
8
Community Development Corporation of Utah

The community development corporation of utah (cdcu) helps our community thrive by empowering people on their path toward financial security, housing stability, and access to affordable homes.we achieve this by:1. increasing financial…

Housing & Shelter
9
Neighborhood Housing Services of Hamilton Inc

Neighborhood housing services of hamilton, inc. is a nonprofit community development organization dedicated to building affordable, healthier, and stronger communities through partnerships with government, businesses, and local community…

Housing & Shelter
10
Housing and Credit Counseling Inc

HCCI counsels and educates all people to achieve their personal housing and financial goals.

—
11
Housing Trust Silicon Valley

Our mission at housing trust silicon valley, is to use transformative housing finance and public and private partnerships to create more equitable and affordable communities.

Housing & Shelter
12
Neighborhood Housing Services of Greater Berks Inc

The mission of neighborhood housing service of greater berks is to facilitate and provide affordable housing programs and initiatives that will expand homeownership opportunities for all the people of berks county, especially low to…

Housing & Shelter
How this is measured
The grantee most central to the portfolio’s shape is Consumer Education Services Inc; the most unlike its peers is Grow Brooklyn Inc. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
04the grantee network

40 grantees tracked through their own filings, 2017–2025.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2025, not grant rows in a single year, so this will not match the grant count on the cover. 40 of the 48 grantees resolved in that span have returns of their own we could reconcile.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

6
Load-bearing (≥25% of a budget)
3
Early backer (in before they grew)
39/40
Grantees still filing
19/40
Grew since first funded

Where the money sits, by cause and then by grantee

GREENPATH INC: $5,197,000 · Human ServicesGREENPATH INCMONEY MANAGEMENT INTERNATIONAL INC: $4,920,750 · Human ServicesMONEY MANAGEMENT INTERNATIONAL INCSPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC: $4,472,297 · Human ServicesSPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INCA-1 COMMUNITY HOUSING SERVICES: $2,510,400 · Human ServicesA-1 COMMUNITY HOUSING SERVICESCAMBRIDGE CREDIT COUNSELING CORP: $807,050 · Human ServicesDebt Management Credit Counseling Corp: $745,629 · Human Services+6 more: $1,848,560 · Human Services+6 moreNAVICORE REALTY CORP: $3,908,500 · OtherNAVICORE REALTY CORPNEIGHBORHOOD HOUSING SERVICES OF THE INLAND EMPIRE: $1,032,749 · OtherNEIGHBORHOOD HOUSING …CONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC: $839,250 · OtherCONSUMER CREDIT COUNS…SAN FRANCISCO HOUSING DEVELOPMENT CORPORATION: $410,600 · OtherGREAT LAKES CREDIT UNION: $307,570 · OtherOPPORTUNITIES CREDIT UNION: $281,258 · Other+10 more: $1,116,927 · Other+10 moreNEIGHBORHOOD HOUSING SERVICES OF LOS ANGELES COUNTY: $1,269,000 · Housing & ShelterNEIGHBORHOOD H…NEIGHBORHOOD PARTNERSHIP HOUSING SERVICES INC: $1,251,000 · Housing & ShelterNEIGHBORHOOD P…Community Housing Council of Fresno: $875,994 · Housing & ShelterCommunity Hous…SACRAMENTO NEIGHBORHOOD HOUSING SERVICES INC: $860,575 · Housing & ShelterSACRAMENTO NEI…INLAND EMPIRE RESOURCE CENTER: $546,750 · Housing & ShelterINLAND EMPIRE …NID HOUSING COUNSELING AGENCY INC: $349,500 · Housing & ShelterNID HOUSING CO…+5 more: $207,051 · Housing & ShelterNEIGHBORHOOD HOUSING SERVICES OF ORANGE COUNTY INC: $1,570,902 · Community ImprovementNEIGHBORHO…ASIAN INC: $929,192 · Community ImprovementASIAN INCVENTURA COUNTY COMMUNITY DEVELOPMENT CORPORATION: $789,750 · Community ImprovementVENTURA CO…SAN FRANCISCO LESBIAN GAY BISEXUAL TRANSGENDER COMMUNITY CENTER: $351,500 · Community ImprovementSAN FRANCI…FRAMEWORKS COMMUNITY DEVELOPMENT CORPORATION INC: $149,969 · Community ImprovementPROJECT SENTINEL INC: $2,871,000 · Youth DevelopmentINLAND FAIR HOUSING AND MEDIATION BOARD: $757,000 · Crime & LegalHomeOwnership OC: $247,500 · EducationLUTHERAN SOCIAL SERVICES OF SOUTHERN CALIFORNIA: $245,750 · Philanthropy
Human Services$20,501,686Other$7,896,854Housing & Shelter$5,359,870Community Improvement$3,791,313Youth Development$2,871,000Crime & Legal$757,000Education$247,500Philanthropy$245,750

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$1.0M$10M$100Mgrantee revenue →↑ funder's share of their budgetGREENPATH INC: $5,197,000 over 4y, 4.2% of budgetMONEY MANAGEMENT INTERNATIONAL INC: $4,920,750 over 4y, 4.2% of budgetSPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC: $4,472,297 over 4y, 24% of budgetPROJECT SENTINEL INC: $2,871,000 over 4y, 21% of budgetA-1 COMMUNITY HOUSING SERVICES: $2,510,400 over 4y, 97% of budgetNEIGHBORHOOD HOUSING SERVICES OF ORANGE COUNTY INC: $1,570,902 over 4y, 10% of budgetNEIGHBORHOOD HOUSING SERVICES OF LOS ANGELES COUNTY: $1,269,000 over 4y, 13% of budgetNEIGHBORHOOD PARTNERSHIP HOUSING SERVICES INC: $1,251,000 over 4y, 13% of budgetNEIGHBORHOOD HOUSING SERVICES OF THE INLAND EMPIRE: $1,032,749 over 3y, 25% of budgetASIAN INC: $929,192 over 4y, 7.1% of budgetCommunity Housing Council of Fresno: $875,994 over 4y, 94% of budgetSACRAMENTO NEIGHBORHOOD HOUSING SERVICES INC: $860,575 over 3y, 36% of budgetCONSUMER CREDIT COUNSELING SERVICE OF MARYLAND AND DELAWARE INC: $839,250 over 3y, 11% of budgetCAMBRIDGE CREDIT COUNSELING CORP: $807,050 over 3y, 4.2% of budgetVENTURA COUNTY COMMUNITY DEVELOPMENT CORPORATION: $789,750 over 4y, 8.1% of budgetINLAND FAIR HOUSING AND MEDIATION BOARD: $757,000 over 4y, 15% of budgetDebt Management Credit Counseling Corp: $745,629 over 4y, 15% of budgetCONSUMER EDUCATION SERVICES INC: $590,732 over 3y, 5.7% of budgetINLAND EMPIRE RESOURCE CENTER: $546,750 over 1y, 81% of budgetCredit Card Management Services Inc: $455,500 over 3y, 7.8% of budgetTAKE CHARGE AMERICA INC: $422,846 over 4y, 1.2% of budgetSAN FRANCISCO HOUSING DEVELOPMENT CORPORATION: $410,600 over 4y, 2.3% of budgetSAN FRANCISCO LESBIAN GAY BISEXUAL TRANSGENDER COMMUNITY CENTER: $351,500 over 4y, 2.1% of budgetNID HOUSING COUNSELING AGENCY INC: $349,500 over 2y, 1.5% of budgetGREAT LAKES CREDIT UNION: $307,570 over 4y, 0.2% of budgetOPPORTUNITIES CREDIT UNION: $281,258 over 4y, 2.4% of budgetBLACK HILLS CHILDREN'S RANCH INC: $250,783 over 3y, 15% of budgetGECU: $248,834 over 4y, 0.0% of budgetHomeOwnership OC: $247,500 over 1y, 62% of budgetLUTHERAN SOCIAL SERVICES OF SOUTHERN CALIFORNIA: $245,750 over 4y, 0.5% of budgetRICHMOND NEIGHBORHOOD HOUSING SERVICES INC: $201,500 over 3y, 5.3% of budgetCOMMUNITY HOUSING DEVELOPMENT CORP OF NORTH RICHMOND: $173,000 over 2y, 0.9% of budgetFRAMEWORKS COMMUNITY DEVELOPMENT CORPORATION INC: $149,969 over 4y, 21% of budgetCONSUMER DEBT COUNSELORS INC: $118,112 over 1y, 7.8% of budgetCSA SAN DIEGO COUNTY: $109,672 over 2y, 7.6% of budgetNew Community Corporation: $44,306 over 1y, 0.3% of budgetFAIR HOUSING FOUNDATION: $20,250 over 1y, 1.1% of budgetEAST RIVER DEVELOPMENT ALLIANCE INC: $17,823 over 2y, 0.1% of budgetFAIR HOUSING COUNCIL OF RIVERSIDE COUNTY: $15,000 over 1y, 0.4% of budgetGROW BROOKLYN INC: $10,587 over 1y, 0.9% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

Neighborhood Reinvest…National Foundation f…Citi FoundationMufg Union Bank Found…Wells Fargo FoundationThe Zions Bancorporat…Homefree USA IncCalifornia Community …Local Initiatives Sup…The San Francisco Fou…Consumer Credit Couns…Behavioral Ideas Lab …
Neighborhood Reinvestment CorporationDC27.5× affinity11 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →

Open a dossier: Neighborhood Reinvestment Corporation · National Foundation for Credit Counseling Inc · Citi Foundation · Mufg Union Bank Foundation Ag · Wells Fargo Foundation · The Zions Bancorporation Foundation · Homefree USA Inc · California Community Foundation · Local Initiatives Support Corporation · The San Francisco Foundation · Consumer Credit Counseling Service of Maryland and Delaware Inc · Behavioral Ideas Lab Inc

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization Consumer Credit Counseling Service of San Francisco Dba Balance funds: left to right is the share of its income from government, bottom to top the share from Consumer Credit Counseling Service of San Francisco Dba Balance. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 10%6%25%56%100%funder's share of their income ↑0%25%50%75%100%share of the org’s income from government →median 15%
  • Credit Card Management Services Inc: 15% of income from government
  • New Community Corporation: 4% of income from government
no gov moneyreceives it· size = income
1get no government money at all
16report government grants on their 990 we could not trace to a source (not plotted)
0rely on government for over half their income
typical government reliance, FY20–25
How this is measured
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: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that a grant caused the public funding. Coverage is precision-first, a floor rather than 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 to 24 months.

On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 48 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

How this is measured
Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

Generated from the IRS Form 990 e-file return for fiscal year 2024, released 2024. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

Source object · view filing

Play a game based on Consumer Credit Counseling Service of San Francisco Dba Balance’s filings →

More from the funding graph

The unnamed billions
grants reported with no recipient in the public record
The regranting layer
51% of grant dollars land in the regranting layer
The DAF merry-go-round
$9.7B circulates between donor-advised funds
The endowment market
who holds foundation money, and what just moved
The camps
funders cluster by geography, not ideology
By state
where grant money is based, and what stays home