Consumer Credit Counseling Service of San Francisco DBA Balance
Consumer Credit Counseling Service of San Francisco, doing business as BALANCE, is a public charity based in Concord, California. Founded in 1969, it provides financial counseling and education, including housing counseling, financial coaching, and online education. Its 2024 filing reports grants to 36 organizations totaling $10,884,091.
Key facts about Consumer Credit Counseling Service of San Francisco DBA Balance
In short: Consumer Credit Counseling Service of San Francisco DBA Balance gave $10.9M across 36 grants in 2024 (avg $302K), mostly in California. 25% of 2024 grantees were new. Source: 2024 IRS Form 990.
- EIN
- 94-1688163
- Latest 990 filing
- Form 990, 2024
- Annual giving (2024)
- $10,884,091
- Grants made (2024)
- 36
- Average grant
- $302,336
- Median grant
- $138,000
- New grantees (estimate)
- 25% first-time grantees (9 of 36, 2024)
- Total assets
- $12,876,303
- Primary geography
- California (60% of itemized 2024 grant dollars)
Data from IRS Form 990, 2024; updated October 2026. New grantees are estimated by matching recipient names across years (methodology).
Financial Overview
From 2024 IRS Form 990 · 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
Is Consumer Credit Counseling Service of San Francisco DBA Balance open to new grantees?
25%
first-time grantees, 2024
In 2024, 9 of 36 grantees (25%) were first-time recipients. First grants averaged $151K; repeat grants $353K. How we count
Medians: $118K first-time, $224K repeat.
- 64% of 2024 grantees were also funded in 2023. Method
- Giving held roughly steady from 2021 to 2024 (+18%). Method
Estimate from itemized grant lists in IRS Form 990 filings (2021–2024). Recipient names are matched across years, so a renamed or misspelled grantee can look new; grants to individuals are left out. Methodology.
Mission & Focus Areas
BALANCE’s stated mission is to empower people through client-centric financial coaching and education, equipping them with knowledge and skills to drive change, overcome financial challenges, and build lasting wealth.
Its 2024 filing describes housing counseling and education—including services related to rental assistance, home purchase, post-purchase needs, foreclosure prevention, and reverse mortgages—as well as one-to-one financial coaching through partner referrals and online education. The filing reports that BALANCE served 11,570 clients through housing counseling and education, 12,761 through financial coaching, and 30,013 through online education in 2024. A separate program, Smart Money Coaching, works with the San Francisco Office of Financial Empowerment to support low-income San Franciscans with financial security and mobility.
The grantees’ stated missions indicate that BALANCE’s 2024 grants supported organizations working in housing counseling, consumer financial education, and community development. For example, Project Sentinel says it works to promote fairness and equality in housing opportunity, while A-1 Community Housing Services says it provides housing-related education to help households make informed decisions. Neighborhood Housing Services of Orange County says it empowers people and communities through homeownership, financial education, and access to affordable homes.
Grantmaking
In 2024, BALANCE made 36 grants totaling $10,884,091. Grants ranged from $9,106 to $1,332,000, with a median of $138,000. The stated purpose for the largest listed grants was housing counseling and education.
The largest 2024 grants included $1,332,000 to Navicore, $1,151,250 to Money Management International, and $1,124,250 to GreenPath Financial Wellness. California recipients included Creditorg ($931,500), Project Sentinel ($753,750), and A-1 Community Housing Service ($685,500). Other listed California grantees included Inland Empire Resource Center ($546,750), NeighborWorks Sacramento ($442,500), and NeighborWorks Orange County ($397,500).
No application process, materials, restrictions, or deadline are provided in the available information.
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Geographic Focus
Where this funder awards grants
BALANCE describes its housing counseling work as serving clients nationwide. Its Smart Money Coaching program is available to people living, working, or receiving services in San Francisco. In 2024, grant dollars went to recipients in California (60%), New Jersey (12%), Texas (12%), Michigan (10%), and Florida (2%).
Grant Distribution by State
Share of 2024 grant dollars across all 36 itemized grants.
States
Cities
Giving Over Time
Total grant dollars and number of grants per year
From 2021 to 2024, annual grant giving ranged from $9.2M (2021) to $11.7M (2022). In 2024 it made 36 grants totaling $10.9M.
Grant Insights
How this funder distributes its grants
Top Recipients
Top 10 recipients in 2024
The largest 2024 recipient was Navicore ($1.3M). Together the top 10 received $7.7M.
Grant Size Distribution
138 grants across all recorded years
The most common grant size was in the $100–250K range: 36 grants of 138 (26%).
Giving History
Grant recipients and amounts by year
| Recipient | Purpose | Amount |
|---|---|---|
| Navicore Manalapan Town, NJ | Housing Counseling & Education | $1,332,000 |
| Money Mgmt International Stafford, TX | Housing Counseling & Education | $1,151,250 |
| Greenpath Financial Wellness Farmington Hill, MI | Housing Counseling & Education | $1,124,250 |
| Creditorg Riverside, CA | Housing Counseling & Education | $931,500 |
| Project Sentinel Santa Clara, CA | Housing Counseling & Education | $753,750 |
| A-1 Community Housing Service Hayward, CA | Housing Counseling & Education | $685,500 |
| Inland Empire Resource Center San Bernadino, CA | Housing Counseling & Education | $546,750 |
| Neighborworks Sacramento Sacramento, CA | Housing Counseling & Education | $442,500 |
| Neighborworks Orange County Orange, CA | Housing Counseling & Education | $397,500 |
| Neighborhood HS of Inland Emp San Bernardino, CA | Housing Counseling & Education | $342,000 |
Financial History
Multi-year comparison from IRS filings
| Filing year | Assets | Revenue | Expenses | Grants given |
|---|---|---|---|---|
| 2024 | $12,876,303 | $20,602,170 | $21,600,843 | $10,884,091 |
| 2023 | $14,755,923 | $20,862,219 | $19,228,065 | $9,906,152 |
| 2022 | $15,046,991 | $22,603,246 | $20,713,837 | $11,680,943 |
| 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 |
| Net Investment Income | $373,963 | $159,571 | $50,191 |
Data update history
When this profile's IRS filing data changed on Grantable
- Updated Form 990 for fiscal year 2021 (received by the IRS October 17, 2022)
- Updated Form 990 for fiscal year 2022 (received by the IRS October 13, 2023)
- Updated Form 990 for fiscal year 2023 (received by the IRS November 14, 2024)
- Updated Form 990 for fiscal year 2024 (received by the IRS November 5, 2025)
- IRS filings on file for fiscal years 2020–2024
Leadership & Key People
Leadership team and compensation from IRS filings
The 2024 filing lists Enrique C. Delgadillo as President and CEO; Cynthia Campbell as COO; Darrell Christoff as CIO; Jeannine Daly as VP of Marketing; and Linda Davis as Vice President of Housing. It also lists Thomas Layman as Chairman, Melyssa Barrett as Vice Chair, James Hoffman as Treasurer, and Michael Covert and Joann Dunaway as directors.
Consumer Credit Counseling Service of San Francisco DBA Balance is led by Enrique C. Delgadillo, President & CEO on every filing since 2021; 5 of 13 officers listed in 2024 are compensated.
Officers on the 2024 filing
Enrique C. Delgadillo
President & CEO
On filings since 2021
40 hrs/week
$228K (2021) → $384K (2024)
Thomas Layman
Chairman
On filings since 2020
2 hrs/week
No compensation reported
Darren Albert
Director
On filings since 2020
2 hrs/week
No compensation reported
Joann Dunaway
Director
On filings since 2020
2 hrs/week
No compensation reported
Michael Covert
Director
On filings since 2020
2 hrs/week
No compensation reported
Kimberly Range
Director
On filings since 2022
2 hrs/week
No compensation reported
Cynthia Campbell
COO
Chief Exp. Officer → Cxo, 2021
Cxo → COO, 2023
On filings since 2020
40 hrs/week
$160K (2020) → $316K (2024)
Darrell Christoff
CIO
On filings since 2020
40 hrs/week
$194K (2020) → $187K (2024)
Linda Davis
Vice President Housing
On filings since 2020
40 hrs/week
$112K (2020) → $150K (2024)
Jeannine Daly
Vice President of Marketing
New on the 2024 filing
40 hrs/week
$134K (2024)
James Hoffman
Treasurer
Director → Inter Treasurer, 2023
Inter Treasurer → Treasurer, 2024
On filings since 2020
2 hrs/week
No compensation reported
Melyssa Barrett
Vice Chair
Secretary → Treasurer, 2022
Treasurer → Vice Chair, 2023
On filings since 2020
2 hrs/week
No compensation reported
Tristram S. Coffin
Secretary
Director → Secretary, 2022
On filings since 2020
2 hrs/week
No compensation reported
Former officers (7)
- Former: Nancy Birenbaum (2020–2023) — Director
- Former: Ruben Sanchez (2020–2023) — Director
- Former: Tina Cota (2020–2023) — CFO
- Former: Brad Houle (2020–2021) — Treasurer
- Former: Kim Range (2021) — Director
- Former: Erin Allen (2020) — Senior Vice President & Strategic Engagement
- Former: Rico C. Delgadillo (2020) — President & CEO
Data from IRS Form 990 filings, 2020–2024. "On filings since" is the earliest filing we hold that lists the person; hours are average hours per week as reported.
Compensation Overview
From 2024 IRS filing
The highest reported compensation on the 2024 filing was $384K, to Enrique C Delgadillo (President & CEO). 5 officers or directors reported compensation on that filing.
Contact
Mailing address: 1655 Grant Street 1300, Concord, CA 94520
Phone: (800) 777-7526
Frequently asked questions about Consumer Credit Counseling Service of San Francisco DBA Balance
How much does Consumer Credit Counseling Service of San Francisco DBA Balance give each year?
Consumer Credit Counseling Service of San Francisco DBA Balance gave $10.9M across 36 grants in 2024, according to its 2024 IRS Form 990. In 2023 it gave $9.9M across 28 grants.
What is Consumer Credit Counseling Service of San Francisco DBA Balance's typical grant size?
Consumer Credit Counseling Service of San Francisco DBA Balance's median grant in 2024 was $138,000, and its average grant was $302,336, across 36 grants on its 2024 IRS Form 990. Organizations receiving their first grant from Consumer Credit Counseling Service of San Francisco DBA Balance that year got $151K on average.
Where does Consumer Credit Counseling Service of San Francisco DBA Balance give grants?
Consumer Credit Counseling Service of San Francisco DBA Balance gives mostly in California: 60% of the grant dollars itemized on its 2024 IRS Form 990 went to recipients there. The next largest states were New Jersey (12%) and Texas (12%). The most frequent recipient cities were Orange, CA (3 grants), San Francisco, CA (3 grants), Riverside, CA (2 grants) and Los Angeles, CA (2 grants).
Does Consumer Credit Counseling Service of San Francisco DBA Balance give general operating support?
Not in 2024: none of the 36 grants with a stated purpose on Consumer Credit Counseling Service of San Francisco DBA Balance's 2024 IRS Form 990 were described as general or operating support. Recurring purposes include "Housing Counseling & Education" (36 grants).
Who are Consumer Credit Counseling Service of San Francisco DBA Balance's largest grantees?
Consumer Credit Counseling Service of San Francisco DBA Balance's largest 2024 grantees include Navicore ($1,332,000), Money Mgmt International ($1,151,250) and Greenpath Financial Wellness ($1,124,250), according to its 2024 IRS Form 990. Together they received 33% of its itemized 2024 grant dollars.
How large is Consumer Credit Counseling Service of San Francisco DBA Balance?
Consumer Credit Counseling Service of San Francisco DBA Balance reported $12.9M in total assets on its 2024 IRS Form 990. Its revenue that year was $20.6M.
What does Consumer Credit Counseling Service of San Francisco DBA Balance fund?
BALANCE’s stated mission is to empower people through client-centric financial coaching and education, equipping them with knowledge and skills to drive change, overcome financial challenges, and build lasting wealth. See mission & focus areas ↑
How do I apply for a grant from Consumer Credit Counseling Service of San Francisco DBA Balance?
Consumer Credit Counseling Service of San Francisco DBA Balance has no public application process in the sources Grantable reviewed. Contact the foundation directly before submitting a request.
What is Consumer Credit Counseling Service of San Francisco DBA Balance's EIN?
Consumer Credit Counseling Service of San Francisco DBA Balance's EIN (Employer Identification Number) is 94-1688163. IRS Form 990 filing data is available on this page for 2020–2024.
Data last updated October 2026. Sourced from IRS Form 990 filings. Research dossier generated October 2026.
Here's the math on researching Consumer Credit Counseling Service of San Francisco DBA Balance by hand.
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