Consumer Credit Counseling Service of San Francisco, operating as Balance, is a 501(c)(3) nonprofit organization based in Concord, California. Founded in 1969, the organization provides comprehensive financial counseling and education services to help individuals and families achieve financial independence. The organization operates with 89 employees and serves clients nationwide through its HUD-approved housing counseling intermediary status.
Financial Overview
From 2024 IRS Form 990-PF · View filing
Total Assets
$12.9M
-12.7% YoY
Annual Giving
$10.9M
+9.9% YoY
Grant Count
36
+28.6% YoY
Avg Grant Size
$302K
-14.5% YoY
Mission & Focus Areas
The organization's mission is to provide comprehensive financial counseling and education to help consumers achieve financial independence through debt reduction, homeownership, and improved money management skills.
Primary Program Areas:
Housing Counseling: HUD-certified counselors provide outreach, counseling, and education services for rental assistance, pre-purchase counseling, post-purchase counseling, foreclosure prevention, and reverse mortgage/HECM services. In 2024, the organization provided counseling and housing education to 11,570 clients.
Smart Money Coaching: In partnership with the San Francisco Office of Financial Empowerment, the organization strengthens economic security and mobility of low-income San Franciscans through coaching designed to remove barriers to accessing opportunities, facilitate access to safe and affordable banking, establish emergency savings, reduce debt, and stabilize housing.
Community Impact: The organization has prevented foreclosures for 570 homeowners and helped 100 people become homeowners. Previously provided housing counseling to over 5,100 clients and education to 3,282 individuals.
Ready to take the next step with Consumer Credit Counseling Service of?
Geographic Focus
Where this funder awards grants
The organization serves clients nationwide through its HUD-approved housing counseling intermediary status, with particular focus on low-income communities in the San Francisco area through its Smart Money Coaching program.
Grant Distribution by State
States
Cities
Financial History
Multi-year comparison from IRS filings
Most Recent Financial Data (2024):
- Total Revenue: $20,602,170
- Total Expenses: $21,600,843
- Total Assets: $12,876,303
Previous Year Data (2023):
- Total Revenue: $20.9M
- Total Expenses: $19.2M
- Total Assets: $14.8M
- Total Liabilities: $6.19M
| Metric | 2024 | 2023 | 2022 |
|---|---|---|---|
| Total Assets | $12,876,303 | $14,755,923 | $15,046,991 |
| Revenue | $20,602,170 | $20,862,219 | $22,603,246 |
| Expenses | $21,600,843 | $19,228,065 | $20,713,837 |
| Qualifying Distributions | — | — | — |
| Net Investment Income | $373,963 | $159,571 | $50,191 |
| Distributable Amount | — | — | — |
Giving Over Time
Total grant dollars and number of grants per year
Grant Insights
How this funder distributes its grants
Top Recipients
Top 10 recipients in 2024
Grant Size Distribution
138 grants across all recorded years
Giving History
Grant recipients and amounts by year
Among its reported 2024 grants, the largest include Navicore ($1,332,000), Money Mgmt International ($1,151,250), Greenpath Financial Wellness ($1,124,250).
| Recipient | Purpose | Amount |
|---|---|---|
| A-1 COMMUNITY HOUSING SERVICE HAYWARD, CA | HOUSING COUNSELING & EDUCATION | $685,500 |
| ASIAN INC SAN FRANCISCO, CA | HOUSING COUNSELING & EDUCATION | $224,092 |
| BUILDERS OF HOPE DALLAS, TX | HOUSING COUNSELING & EDUCATION | $9,106 |
| CAROLYN E WYLIE CENTER RIVERSIDE, CA | HOUSING COUNSELING & EDUCATION | $128,789 |
| COMM HOUSING COUN OF FRESNO FRESNO, CA | HOUSING COUNSELING & EDUCATION | $295,994 |
| CONSUMER DEBT COUNSELORS WINTER PARK, FL | HOUSING COUNSELING & EDUCATION | $118,112 |
| COOPERATIVE FCU SYRACUSE, NY | HOUSING COUNSELING & EDUCATION | $25,964 |
| CREDITORG RIVERSIDE, CA | HOUSING COUNSELING & EDUCATION | $931,500 |
| DBA URBAN UPBOUND LONG ISLAND, NY | HOUSING COUNSELING & EDUCATION | $9,262 |
| DEBT MGMT CREDIT COUN CORP DEERFIELD BEACH, FL | HOUSING COUNSELING & EDUCATION | $94,918 |
Leadership & Key People
Leadership team and compensation from IRS filings
- President & CEO: Mr. Rico Delgadillo
- CFO: Ms. Tina Cota
Compensation Overview
From 2024 IRS filing
From 2024 filing
| Name | Title | Hours | Compensation |
|---|---|---|---|
| ENRIQUE C DELGADILLO | President & CEO | 40 | $383,645 |
| CYNTHIA CAMPBELL | COO | 40 | $316,285 |
| DARRELL CHRISTOFF | CIO | 40 | $186,711 |
| JEANNINE DALY | VP OF MARKETING | 40 | $134,247 |
| LINDA DAVIS | VICE-PRES. HOUSING | 40 | $150,232 |
| THOMAS LAYMAN | Chairman | 2 | — |
| MICHAEL COVERT | Director | 2 | — |
| JAMES HOFFMAN | Treasurer | 2 | — |
| MELYSSA BARRETT | VICE CHAIR | 2 | — |
| JOANN DUNAWAY | Director | 2 | — |
| TRISTRAM S COFFIN | Secretary | 2 | — |
| KIMBERLY RANGE | Director | 2 | — |
| DARREN ALBERT | Director | 2 | — |
Subject Areas
Focus areas based on grantmaking activity
Frequently Asked Questions
What does Consumer Credit Counseling Service of fund?
The organization's mission is to provide comprehensive financial counseling and education to help consumers achieve financial independence through debt reduction, homeownership, and improved money management skills. **Primary Program Areas:** • **Housing Counseling**: HUD-certified counselors provide outreach, counseling, and education services for rental assistance, pre-purchase counseling, post-purchase counseling, foreclosure prevention, and reverse mortgage/HECM services. In 2024, the organ…
Where does Consumer Credit Counseling Service of make grants?
The organization serves clients nationwide through its HUD-approved housing counseling intermediary status, with particular focus on low-income communities in the San Francisco area through its Smart Money Coaching program.
What size grants does Consumer Credit Counseling Service of award?
In 2024, Consumer Credit Counseling Service of awarded 36 grants totaling $10.9M — an average of about $302K per grant, based on its IRS Form 990 filings.
What is Consumer Credit Counseling Service of's EIN?
Consumer Credit Counseling Service of's EIN (Employer Identification Number) is 94-1688163. IRS Form 990 filing data is available on this page for 2020–2024.
Explore Open Grants
Browse active grant opportunities in Consumer Credit Counseling Service of's focus areas in our free grants database
Related Funders
Similar funders by location and focus area
Gochnauer Family Foundation
CORONA DEL MAR, CA
Assets
$15.2M
Grants
39
Total Given
$313K
Cottage Health
SANTA BARBARA, CA
Assets
$172.1M
Grants
6
Total Given
$179K
International Right of Way Association
GARDENA, CA
Assets
$5.7M
Grants
1
Total Given
$9K
Quince Interfaith Housing Corporation
LEMON GROVE, CA
Assets
—
Grants
0
Total Given
—
William & Lillian Schwartz Charitable Foundation
LA JOLLA, CA
Assets
$325K
Grants
1
Total Given
$3K
Covia Foundation
GLENDALE, CA
Assets
$15.2M
Grants
1
Total Given
$4.8M
Data last updated June 2026. Sourced from IRS Form 990-PF filings. Research dossier generated April 2026.
What could you do with Consumer Credit Counseling Service of on Grantable?
- Assess strategic fit with your organization
- Draft a tailored letter of inquiry
- Find open RFPs from this funder
- Monitor for new funding opportunities
Go from researching Consumer Credit Counseling Service of to a real strategy.