Consumer Credit Counseling Service Of San Francisco
- Assets
- $15.0m
- Revenue
- $22.6m
- Investments
- $0.0
- Employees
- 84
- Location
- Concord, CA
- Founding
- 07/1974
- Data as of
- 12/2022
- 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 12/2022, Consumer Credit Counseling Service Of San Francisco employed 84 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 12/2022, Consumer Credit Counseling Service Of San Francisco generated $22.6m in total revenue. This represents relatively stable growth, over the past 8 years the organization has increased revenue by an average of 6.6% each year. All expenses for the organization totaled $20.7m during the year ending 12/2022. While expenses have increased by 6.2% per year over the past 8 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 74 individual grants totaling $20,880,730. 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
2022
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 HOUSING DEPARTMENT PROVIDES COUNSELING AND EDUCATION SERVICES TO CLIENTS NATIONWIDE IN THE AREAS OF RENTAL, PRE-PURCHASE, POST-PURCHASE, FORECLOSURE PREVENTION, AND REVERSE MORTGAGE. THROUGH COMMUNITY OUTREACH AND STRATEGIC NATIONAL AND LOCAL PARTNERSHIPS, WE PROVIDED HOUSING COUNSELING TO 5,103 CLIENTS AND EDUCATION TO 3,282 INDIVIDUALS. AN EXAMPLE OF THE IMPACT OUR WORK HAS IN THE COMMUNITIES SERVED, WE HELPED OVER 570 HOMEOWNERS AVOID FORECLOSURE AND HELPED MORE THAN 100 PEOPLE 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 REPORT REVIEW, STUDENT LOAN REPAYMENT, AND PREPARING FOR HOMEOWNERSHIP. COUNSELING AND EDUCATION ARE PROVIDED VIA PHONE, CHAT, EMAIL, AND IN BOTH VIRTUAL AND IN-PERSON CLASSROOM SETTINGS. IN 2022, WE PROVIDED FINANCIAL FITNESS COUNSELING, SMART MONEY COACHING, AND/OR DEBT MANAGEMENT SERVICES TO 67,971 CLIENTS. THROUGH OUR PRIVATE-LABEL WEBSITES, CONSUMERS HAVE COMPLETED 4,3401 ONLINE LEARNING MODULES. WE CONDUCTED 381 FINANCIAL FITNESS WORKSHOPS AND WEBINARS, PROVIDING EDUCATION TO 1,4505 ATTENDEES. THE CLIENTS WE SERVE REPAID OVER $756,150 IN DEBT IN 2022.
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).
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Board, Officers & Key Employees
| Name (title) | Role | Hours | Compensation |
|---|---|---|---|
Enrique C Delgadillo President & CEO | Officer | 60 | $226,706 |
Darrell Christoff Cio | Officer | 40 | $200,979 |
Cynthia Campbell Cxo | Officer | 40 | $194,438 |
Tina Cota CFO | 40 | $181,466 | |
Linda Davis Vice-Pres. Housing | 40 | $135,390 | |
Thomas Layman Chairman | OfficerTrustee | 2 | $0 |
Outside Vendors & Contractors
| Vendor Name (Service) | Service Year | Compensation |
|---|---|---|
Navigator Networks Llc Tech Services | 12/30/22 | $0 |
Venable Llp Legal Services | 12/30/22 | $0 |
Financial Statements
| Statement of Revenue | |
|---|---|
| Federated campaigns | $0 |
| Membership dues | $0 |
| Fundraising events | $0 |
| Related organizations | $0 |
| Government grants | $2,064,394 |
| All other contributions, gifts, grants, and similar amounts not included above | $854,693 |
| Noncash contributions included in lines 1a–1f | $0 |
| Total Revenue from Contributions, Gifts, Grants & Similar | $2,919,087 |
| Total Program Service Revenue | $19,633,968 |
| Investment income | $50,191 |
| 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 | $22,603,246 |
| Statement of Expenses | |
|---|---|
| Grants and other assistance to domestic organizations and domestic governments. | $11,683,646 |
| 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. | $622,123 |
| Compensation of current officers, directors, key employees. | $37,949 |
| Compensation to disqualified persons | $0 |
| Other salaries and wages | $3,972,757 |
| Pension plan accruals and contributions | $0 |
| Other employee benefits | $856,397 |
| Payroll taxes | $339,434 |
| 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 | $275,098 |
| Advertising and promotion | $426,205 |
| Office expenses | $18,046 |
| Information technology | $767,709 |
| Royalties | $0 |
| Occupancy | $1,042,242 |
| 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 | $115,065 |
| Insurance | $116,498 |
| All other expenses | $84,486 |
| Total functional expenses | $20,713,837 |
| Balance Sheet | |
|---|---|
| Cash—non-interest-bearing | $4,698,191 |
| Savings and temporary cash investments | $1,763 |
| Pledges and grants receivable | $0 |
| Accounts receivable, net | $5,186,898 |
| 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 | $349,121 |
| Net Land, buildings, and equipment | $240,185 |
| Investments—publicly traded securities | $498,376 |
| Investments—other securities | $0 |
| Investments—program-related | $0 |
| Intangible assets | $107,724 |
| Other assets | $3,964,733 |
| Total assets | $15,046,991 |
| Accounts payable and accrued expenses | $406,805 |
| Grants payable | $0 |
| Deferred revenue | $564,529 |
| Tax-exempt bond liabilities | $0 |
| Escrow or custodial account liability | $46,793 |
| 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 | $7,114,803 |
| Total liabilities | $8,132,930 |
| Net assets without donor restrictions | $3,835,420 |
| Net assets with donor restrictions | $3,078,641 |
| 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 | $15,046,991 |
Grants Awarded
Over the last fiscal year, Consumer Credit Counseling Service Of San Francisco has awarded $11,680,943 in support to 35 organizations.
| Grant Recipient | Amount |
|---|---|
A-1 COMMUNITY HOUSING SERVICE PURPOSE: HOUSING COUNSELING & EDUCATION | $631,050 |
ASIAN INC PURPOSE: HOUSING COUNSELING & EDUCATION | $315,880 |
CAMBRIDGE CREDIT COUNCIL COR PURPOSE: HOUSING COUNSELING & EDUCATION | $216,400 |
CCCS MARYLAND & DELAWARE INC PURPOSE: HOUSING COUNSELING & EDUCATION | $276,000 |
COMM HOUSING COUN OF FRESNO PURPOSE: HOUSING COUNSELING & EDUCATION | $220,000 |
CONSUMER EDUC SERVICES INC PURPOSE: HOUSING COUNSELING & EDUCATION | $117,000 |