Consumer Credit Counseling Service of San Francisco Dba Balance
Consumer Credit Counseling Service of San Francisco Dba Balance reported $20.6 million in revenue and $21.6 million in expenses for calendar year 2024. Of every $100 it spent, $82.37 went to program services, $17.63 to management and general costs and $0.00 to fundraising. Its largest source of revenue was program service revenue such as fees, sales and contracts: 82.7% of the total. The highest compensation it reported for one person was $410,149 (President & CEO). 5 people received more than $100,000 in reportable compensation. Revenue rose 133% between 2019 and 2024. Source: Form 990, 2024.
Where $100 of spending went
Calendar year 2024 · Form 990, Part IX, line 25 · total expenses $22MFor context, the median across 3,614 covered human services charities: $88.27 programs, $11.52 management, $0.21 fundraising (medians computed separately, so they may not sum to $100).
Where $100 of revenue came from
Calendar year 2024 · Form 990, Part VIII · total revenue $21MThe 990 scorecard · same measures for every charity, no grades
| Measure | 2024 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 82.4% | 87.2% |
| Management & general Part IX 25(C) ÷ 25(A) | 17.6% | 11.4% |
| Fundraising Part IX 25(D) ÷ 25(A) | 0.0% | 0.2% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | $0.00 | $0.02 |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 15.5% | 20.6% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 5.0% | 2.4% |
| Program service revenue share Part VIII 2g ÷ 12 | 82.7% | 70.8% |
| Highest reported compensation Part VII-A, columns D–F | $410,149 | $274,992 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 1.90% | 1.18% |
| People paid over $100,000 Part VII, line 2 | 5 | 6 |
| Net assets, in months of expenses Part X 33(B) ÷ monthly expenses | 4.2 | 6.9 |
| Independent voting board members Part VI 1a–1b | 11 of 11 | 100.0% |
A median is context, not a target: hospitals, universities, food banks and grantmakers spend in very different ways. What these measures can and can't tell you.
What the money paid for, in its own words
2024 · Form 990, Part III · the three largest programs by expenseBalance 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
Balance 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
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…
Highest reported compensation
2024 · Form 990, Part VII, Section A · roles as filed; names are in the filing, not here| Role | From this org | From related orgs | Other | Total |
|---|---|---|---|---|
| President & CEO Officer, 40.00 hrs/week | $383,645 | $0 | $26,504 | $410,149 |
| COO Officer, 40.00 hrs/week | $316,285 | $0 | $12,788 | $329,073 |
| CIO Officer, 40.00 hrs/week | $186,711 | $0 | $16,713 | $203,424 |
| VP OF MARKETING Listed in Part VII, 40.00 hrs/week | $134,247 | $0 | $20,955 | $155,202 |
| VICE-PRES. HOUSING Listed in Part VII, 40.00 hrs/week | $150,232 | $0 | $202 | $150,434 |
5 people received more than $100,000 in reportable compensation from Consumer Credit Counseling Service of San Francisco Dba Balance (Part VII, line 2). Compensation of current officers, directors and key employees totaled $943K (Part IX, line 5).
6 years of filings
Form 990, Parts I, VII, IX and X · each row is that year's own filing, linkedGovernance answers, as filed
2024 · the organization's own yes/no answers; explanations, if any, are in Schedule O of the filing · what each means- Voting board members, and how many are independent Part VI, lines 1a–1b11 · 11 independent
- Audited financial statements Part XII 2bYes
- Conflict-of-interest policy Part VI 12aYes
- Whistleblower policy Part VI 13Yes
- Document retention policy Part VI 14Yes
- Independent process for top executive pay Part VI 15aYes
- Board given the 990 before filing Part VI 11aYes
- Family or business ties among insiders Part VI 2No
- Aware of a significant diversion of assets Part VI 5No
- Excess benefit transaction with an insider Part IV 25aNo
- Loans to or from insiders outstanding Part IV 26No
- Lobbying, or a 501(h) election in effect Part IV 4No
- Over $15,000 of professional fundraising services Part IV 18No
- Over $10,000 of activity outside the U.S. Part IV 14bNo
- Employees Part I, line 589
- Volunteers Part I, line 611
Largest outside contractors
2024 · Form 990, Part VII, Section B · businesses only| SWIFT REAL ESTATE PARTNERS Real estate services | $0 |
Individuals listed as contractors are left out.
Private foundation grants it received
1 private foundation reported grants to Consumer Credit Counseling Service of San Francisco Dba Balance totaling $45 on their tax year 2023 Form 990-PF returns. See which foundations, on WHOFUNDS.
Source: WHOFUNDS open grant graph, matched from Form 990-PF Part XV.
Correct a figure or respond
Every number above is copied from Consumer Credit Counseling Service of San Francisco Dba Balance's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for Consumer Credit Counseling Service of San Francisco Dba Balance, you can publish a response that is linked from this page.
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Of every $100 Consumer Credit Counseling Service of San Francisco Dba Balance spent in 2024, $82.37 went to programs. The full breakdown, from its IRS Form 990:
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All human services charities · Largest charities in California
Questions people ask
How much of Consumer Credit Counseling Service of San Francisco Dba Balance's spending goes to programs?
In calendar year 2024, Consumer Credit Counseling Service of San Francisco Dba Balance reported that 82.4% of its $21.6 million in expenses went to program services, 17.6% to management and general and 0.0% to fundraising (Form 990, Part IX).
How much does Consumer Credit Counseling Service of San Francisco Dba Balance pay its top executive?
The largest total compensation Consumer Credit Counseling Service of San Francisco Dba Balance reported for one person in calendar year 2024 was $410,149, for the role of President & CEO (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does Consumer Credit Counseling Service of San Francisco Dba Balance get its money?
Of $20.6 million in revenue in calendar year 2024, 15.5% came from contributions and grants (including 5.0% from government grants) and 82.7% from program service revenue (Form 990, Part VIII).
Is Consumer Credit Counseling Service of San Francisco Dba Balance a registered charity?
The IRS lists EIN 94-1688163 as a 501(c)(3) organization (publicly supported organization (509(a)(2))), and its records show contributions as tax-deductible. Form 990 filings on record here cover tax years 2019, 2020, 2021, 2022, 2023, 2024. A filing shows what the organization reported; it doesn't by itself show whether a program works.
Sources
- 2024: Form 990 for calendar year 2024, object 202533099349302653 · read the filing · XML
- 2023: Form 990 for calendar year 2023, object 202423199349308797 · read the filing
- 2022: Form 990 for calendar year 2022, object 202332869349302198 · read the filing
- 2021: Form 990 for calendar year 2021, object 202212909349301911 · read the filing
- 2020: Form 990 for calendar year 2020, object 202122309349301567 · read the filing
- 2019: Form 990 for calendar year 2019, object 202002809349301010 · read the filing
All filings for EIN 94-1688163: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.