Nonprofit · EIN 94-1688163
CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO
Tax-exempt · WALNUT CREEK, CA 94597
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $20,602,170 | $21,600,843 | -$998,673 | $12,876,303 | $5,293,370 | $7,582,933 |
| December 31, 2023 | 990 | $20,862,219 | $19,228,065 | $1,634,154 | $14,755,923 | $6,194,182 | $8,561,741 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $3,199,877
- of which government grants
- $1,029,571
- Program service revenue
- $17,028,330
- Investment income
- $373,963
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $10,884,091
- Compensation of officers, directors and key employees
- $942,646
- Other salaries and wages
- $4,859,013
- Salaries, compensation and benefits (total)
- $7,104,895
- Professional fundraising fees
- $0
- Occupancy
- $1,078,706
- Program services (functional)
- $17,791,857
- Management and general (functional)
- $3,808,986
Balance sheet and other
- Total assets, start of year
- $14,755,923
- Total assets, end of year
- $12,876,303
- Total liabilities, end of year
- $5,293,370
- Net assets, end of year
- $7,582,933
- Land, buildings and equipment
- $92,213
- Publicly traded securities
- $566,646
- Net assets without donor restrictions
- $4,074,420
- Net assets with donor restrictions
- $3,508,513
- Gross receipts
- $20,602,170
- Employees
- 89
- Volunteers
- 11
- Year formed
- 1969
- State of legal domicile
- CA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ENRIQUE C DELGADILLO | President & CEO Officer | 40 | $383,645 | $26,504 |
| CYNTHIA CAMPBELL | COO Officer | 40 | $316,285 | $12,788 |
| DARRELL CHRISTOFF | CIO Officer | 40 | $186,711 | $16,713 |
| JEANNINE DALY | VP OF MARKETING | 40 | $134,247 | $20,955 |
| LINDA DAVIS | VICE-PRES. HOUSING | 40 | $150,232 | $202 |
| THOMAS LAYMAN | Chairman Trustee or director, Officer | 2 | $0 | $0 |
| MICHAEL COVERT | Director Trustee or director | 2 | $0 | $0 |
| JAMES HOFFMAN | Treasurer Trustee or director | 2 | $0 | $0 |
| MELYSSA BARRETT | VICE CHAIR Trustee or director, Officer | 2 | $0 | $0 |
| JOANN DUNAWAY | Director Trustee or director | 2 | $0 | $0 |
| TRISTRAM S COFFIN | Secretary Trustee or director, Officer | 2 | $0 | $0 |
| KIMBERLY RANGE | Director Trustee or director | 2 | $0 | $0 |
| DARREN ALBERT | Director Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 15 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ENRIQUE C DELGADILLO | President & CEO Officer | 40 | $239,211 | $22,976 |
| TINA COTA | CFO | 40 | $189,071 | $40,731 |
| DARRELL CHRISTOFF | CIO Officer | 40 | $200,331 | $19,676 |
| CYNTHIA CAMPBELL | COO Officer | 40 | $200,184 | $13,295 |
| LINDA DAVIS | VICE-PRES. HOUSING | 40 | $139,140 | $264 |
| THOMAS LAYMAN | Chairman Trustee or director, Officer | 2 | $0 | $0 |
| MICHAEL COVERT | Director Trustee or director | 2 | $0 | $0 |
| JAMES HOFFMAN | INTER TREASURER Trustee or director | 2 | $0 | $0 |
| MELYSSA BARRETT | VICE CHAIR Trustee or director, Officer | 2 | $0 | $0 |
| NANCY BIRENBAUM | Director Trustee or director | 2 | $0 | $0 |
| JOANN DUNAWAY | Director Trustee or director | 2 | $0 | $0 |
| TRISTRAM S COFFIN | Secretary Trustee or director, Officer | 2 | $0 | $0 |
| KIMBERLY RANGE | Director Trustee or director | 2 | $0 | $0 |
| DARREN ALBERT | Director Trustee or director | 2 | $0 | $0 |
| RUBEN SANCHEZ | Director Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 2950 BUSKIRK AVE STE 300 PMB 257, WALNUT CREEK, CA 94597-6900
- Principal officer (990 for 2024)
- RONALDO HARDY
- Signed the 990
- RONALDO HARDY, President & CEO
- Phone
- (800) 777-7526
- Website
- WWW.BEBALANCED.ORG
- Return prepared by
- Maze & Associates
California records
California keeps its own records of charities and corporations. Search them by EIN 94-1688163 or by the name CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO.
- Attorney General, Registry of Charities and Fundraisers
- Registration status and filed reports (CT-TR-1, RRF-1)
- Secretary of State, bizfile Online
- Corporation status, entity number, agent for service
- Franchise Tax Board
- Entity status letter (state tax exemption, good standing)
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.
Program accomplishments
- 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.Expenses $13,614,871
- 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.Expenses $3,237,327
- 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.Expenses $939,659
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 94-1688163
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (509(a)(2))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 1974
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Human services (P51)
- Assets (IRS master file)
- $12,876,303
- Income (IRS master file)
- $20,602,170
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $20,602,170 | $21,600,843 | $12,876,303 | IRS |
| 990 | December 2023 | $20,862,219 | $19,228,065 | $14,755,923 | XML |
| 990 | December 2022 | $22,603,246 | $20,713,837 | $15,046,991 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 94-1688163).
Questions about CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO
- What is the EIN of CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO?
- The employer identification number (EIN) of CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO is 94-1688163.
- Is CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1974.
- Are donations to CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO?
- The 990 for the year ended December 31, 2024 names RONALDO HARDY.
- Who are the officers and directors of CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO?
- The 990 for the year ended December 31, 2024 lists 13 people; 5 received compensation from the organization, the highest $383,645 (ENRIQUE C DELGADILLO, President & CEO).
- How much revenue does CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $20,602,170, expenses of $21,600,843 and total assets of $12,876,303 at year end.
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