California · Nonprofit
CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE
CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE (California) receives grants from 9 organizations whose IRS filings report $3,088,823 to it, the largest being NEIGHBORHOOD REINVESTMENT CORPORATION ($2,858,550). 2 of them have funded it in more than one year.
- Revenue FY2024
- $21M
- Funders on record
- 9
- Grants received
- $3.1M
- Net assets
- $7.6M
What Consumer Credit Counseling Service of San Francisco Dba Balance does
Mission
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.
As stated on its FY2024 Form 990.
Programs
Balance is a hud approved national housing counseling intermediary by the us department of housing and urban development. Our hud certified counselors provide outreach, counseling and education services for rental assistance, prepurchase, post-purchase, foreclosure prevention and reverse mortgage/hecm to clients nationwide. In 2024, through community engagement and strategic national and local partnerships, we provided counseling and housing education to 11,570 clients.
$13,614,871 spent77% of program spendingBalance provides 1:1 financial coaching to partner referrals including credit union, banks, employers and eaps. In 2024 we provided financial coaching services to 12761 clients. We also provided online education through our balance track modules to 30,013 clients.
$3,237,327 spent18% of program spendingSmart 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.
$939,659 spent5% of program spending
The 3 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $17,791,857.
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 $10.0M to $15M (+51%).
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 8% · 2018 9% · 2019 7% · 2020 10% · 2021 11% · 2022 9% · 2023 11% · 2024 5%. Grants only. Government contracts and fees sit inside program revenue.
16% of CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE’s revenue is contributions — about as donation-reliant as the typical peer (21% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 6 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
Enrique C Delgadillo
President & CEO
Board chair
Thomas Layman
Chairman
As listed on its FY2024 Form 990.
The chief executive listed changed between the FY2019 and FY2020, and between the FY2020 and FY2021 filings.
Who funds it, year by year
2017 → 2023: the base broadened from 1 funder to 2 funders, grant income rose $74k → $1.5M.
2 of 9 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 3% 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 SAN FRANCISCO DBA BALANCE’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 SAN FRANCISCO DBA BALANCE leans on a few funders — its largest provides 93% of grant income and the top three 97%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
100% 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 SAN FRANCISCO DBA BALANCE.
Largest funder’s share by year: 2017 100% · 2018 100% · 2020 77% · 2021 100% · 2022 100% · 2023 100% — broadly stable.
“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
20% of CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE's funders are still giving 3 years after their first grant; 22% 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
CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE draws 99% of its grant income from funders outside California, across 5 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $78k arriving through sponsors registered in 2 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 SAN FRANCISCO DBA BALANCE has grown faster than three-quarters of the 3,288 human services nonprofits its size.
this organization peer median middle 50% of peers· 3,288 human services nonprofits $10M–$100M, FY2024
Government funding CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $6.3M on record.
- Department of Housing and Urban Development$6.3M
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE
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 California
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
82% of spending goes to programs.
Governance
Public support
95%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 14 states
Screen this organization
A dated, signed PDF of the compliance screen for CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE: 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 SAN FRANCISCO DBA BALANCE?
- CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE (California) receives grants from 9 organizations whose IRS filings report $3,088,823 to it, the largest being NEIGHBORHOOD REINVESTMENT CORPORATION ($2,858,550). 2 of them have funded it in more than one year.
- How many funders does CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE have?
- IRS filings report 9 organizations giving $3,088,823 in grants to CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE, 2 of which have funded it in more than one year.
- Who is the largest funder of CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE?
- NEIGHBORHOOD REINVESTMENT CORPORATION is the largest funder on record, with $2,858,550 in grants. The full list of funders is on this page.
- How can an organization like CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in California. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
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 9 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