Pennsylvania · Nonprofit
CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY
CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY (Pennsylvania) receives grants from 24 organizations whose IRS filings report $8,187,825 to it, the largest being UNITED WAY OF GREATER PHILADELPHIA AND SOUTHERN NEW JERSEY ($2,398,660). 17 of them have funded it in more than one year.
- Revenue FY2024
- $6.1M
- Funders on record
- 24
- Grants received
- $8.2M
- Net assets
- $5.9M
What Consumer Credit Counseling Service of Delaware Valley does
Mission
We empower individuals to achieve financial resilience and positively impact their communities. Our envisioned future is one in which pathways to financial wellness are accessible to everyone.
As stated on its FY2024 Form 990.
Programs
Financial empowerment (public support): clarifi's financial empowerment program utilizes a relationship-based, case management approach to counseling individuals towards financial resilience. Counselors build long-term relationships with clients based on empathy and trust, helping them set their own financial goals such as reduced debt, improved credit, and increased savings and create a step-by-step action plan for achieving them. During initial appointments, counselors work with their clients to complete an income/expense analysis, identify financial goals, and develop a written action plan for achieving said goals. Counselors also follow up with clients at 30, 60, and 90 days post-appointment to check in on progress, record outcomes, connect the client with additional resources, and schedule further appointments. Services are often provided in community-based locations in partnership with organizations like careerlink and children's hospital of philadelphia. There are no eligibility requirements and no limitations on the volume of service per client. Clients often return for multiple follow-up appointments. This methodology increases the chance that each client makes positive…
$2,353,974 spent50% of program spendingHousing (public support): clarifi's housing counseling program helps families find, secure, and maintain safe housing. These services spanthe entirety of the housing spectrum, including foreclosure and eviction prevention, tenancy preparation, and pre-purchasecounseling. Clarifi's hud-certified housing counselors utilize a case-management model to help their clients achieve their housinggoals. During initial appointments, counselors work with their clients to complete an income/expense analysis, identify housinggoals, and develop a written action plan for achieving said goals. Counselors also follow up with clients at 30, 60, and 90 days post-appointment to check in on progress, record outcomes, connect the client with additional resources, and schedule furtherappointments. Rental counseling services include eviction prevention through landlord/tenant mediation, leasing education,landlord advocacy (based in safe, warm, dry standards), and leasing preparation (saving for deposits, credit counseling, etc.)foreclosure prevention services include mortgage delinquency negotiation, foreclosure conciliation, emergency assistanceapplications, and court-based advocacy in philadelphia,…
$1,176,987 spent25% of program spendingHome repair (public support): clarifi's home repair program helps philadelphia homeowners access low-interest home equity loans to invest in their properties through the restore, repair, renew home preservation program. As the program's administrator, clarifi connects philadelphia homeowners to these loans so they can fund home repairs focusing on health, safety, weatherization, accessibility and modernization. Lenders participating in the program offer a 10-year, fixed-rate, 3% interest home equity term loan ranging from $2,500 to $50,000 for eligible homeowners. Additionally, clarifi's counselors maintain a large referral network and often connect their clients to additional resources, such as legal help for tangled title issues, relief funds for tax, utility or mortgage delinquency, and food and clothing assistance. In 2024, clarifi helped 182 homeowners secure $6.92 million in home equity loans to make essential repairs to their primary residence.
$941,589 spent20% of program spendingClient grants (public support): clarifi's client grants program empowers families to achieve a range of positive outcomes that financial empowerment and housing counseling alone cannot, including resolving a crisis and securing a foundation for building wealth. Clarifi supports the advancement of financial justice by directing resources towards the communities we serve, helping them overcome an acute crisis, support economic mobility, and build sustainable wealth, often in the form of home ownership. In 2024, clarifi distributed client grants to 682 individuals totaling $1,371,656.78.
$235,397 spent5% of program spending
The 4 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $4,707,947.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2021 to 2022, from $4.8M to $7.1M (+48%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2017 42% · 2018 26% · 2019 37% · 2020 33% · 2021 45% · 2022 51% · 2023 66% · 2024 58%. Grants only. Government contracts and fees sit inside program revenue.
96% of CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY’s revenue is contributions — more donation-reliant than the typical peer (81% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 0 of the last 8 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Stephen Gardner
Executive director
Board chair
Jill Herriott
Chair
As listed on its FY2024 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 6 funders to 12 funders, grant income fell $1.4M → $982k.
8 of 24 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 11% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY has a broad base — no single funder exceeds 29% of grant income, and it takes 3 funders to reach half.
the vertical line marks half of all grant income — 3 funders to its left
86% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY.
Largest funder’s share by year: 2017 45% · 2018 21% · 2019 38% · 2020 33% · 2021 58% · 2022 36% · 2023 40% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
57% of CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY's funders are still giving 3 years after their first grant; 71% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
62% of CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY's grant income comes from Pennsylvania funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $905k arriving through sponsors registered in 6 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY runs a healthier operating margin than half of the 11,263 human services nonprofits its size.
this organization peer median middle 50% of peers· 11,263 human services nonprofits $1M–$10M, FY2024
Organizations like CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Pennsylvania
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
81% of spending goes to programs.
Governance
Public support
98%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 2 states
Part of a family of 5 related entities
- Greenpath Inc · exempt
- Homeownership Preservation Foundation · exempt
- Rural Dynamics Inc · exempt
- Greenpath Innovation Design · exempt
- Cccs of Puerto Rico Inc · exempt
Screen this organization
A dated, signed PDF of the compliance screen for CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY?
- CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY (Pennsylvania) receives grants from 24 organizations whose IRS filings report $8,187,825 to it, the largest being UNITED WAY OF GREATER PHILADELPHIA AND SOUTHERN NEW JERSEY ($2,398,660). 17 of them have funded it in more than one year.
- How many funders does CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY have?
- IRS filings report 24 organizations giving $8,187,825 in grants to CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY, 17 of which have funded it in more than one year.
- Who is the largest funder of CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY?
- UNITED WAY OF GREATER PHILADELPHIA AND SOUTHERN NEW JERSEY is the largest funder on record, with $2,398,660 in grants. The full list of funders is on this page.
- How can an organization like CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Pennsylvania. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds Consumer Credit Counseling Service of Delaware Valley →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2024 (financials across 2017–2024), and the filings of 24 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing