CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE Charity Report

Public IRS 990 nonprofit record

CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE

EIN 94-1688163 · Financial Counseling (P51)

What they do

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.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $82.40 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2024The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders13 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

86.36%of revenue went to mission work82.4% of expenses · Program services

$104.85spent for every $100 of revenueSpending was higher than revenue this year.

18.49%of revenue went to management and office costs17.6% of expenses

$0.60in assets for every $1 spent this yearSome assets cannot be spent right away.

15.5%of its money came from giftsOther money may come from services or investments.

Ask these three easy questions

Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
Is this really the charity? Give only through its official website or confirmed phone number.

Worth asking: Expenses exceeded revenue by $998,673 this year. Ask whether that was planned or caused by a one-time event.

Pay context: The highest compensation shown in this filing is $410,149 for ENRIQUE C DELGADILLO (PRESIDENT & CEO). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2024

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$20,602,170

Mission workProgram services$17,791,85786.36% of revenue82.4% of expenses

ManagementOffice and general costs$3,808,98618.49% of revenue17.6% of expenses

FundraisingAsking for donations0.00% of revenue0.0% of expenses

Total expenses$21,600,843104.85% of revenue

Expenses were greater than revenue, so the colored ring fills the available $100 and the total above 100% is shown below.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails

2024CurrentExpense mix: 82.4% mission · 17.6% management · 0.0% fundraisingTotal expenses: 104.85% of revenue

2023Expense mix: 85.6% mission · 14.4% management · 0.0% fundraisingTotal expenses: 92.17% of revenue

2022Expense mix: 88.6% mission · 11.4% management · 0.0% fundraisingTotal expenses: 91.64% of revenue

2021Expense mix: 87.7% mission · 12.3% management · 0.0% fundraisingTotal expenses: 100.95% of revenue

2020Expense mix: 82.7% mission · 17.3% management · 0.0% fundraisingTotal expenses: 122.20% of revenue

2019Expense mix: 80.3% mission · 19.7% management · 0.0% fundraisingTotal expenses: 111.97% of revenue

2018Expense mix: 85.0% mission · 15.0% management · 0.0% fundraisingTotal expenses: 122.77% of revenue

2017Expense mix: 82.9% mission · 17.1% management · 0.0% fundraisingTotal expenses: 117.67% of revenue

Money in and money out

Revenue$20,602,170

Expenses$21,600,843

Annual shortfall $998,673 Expenses were higher than revenue for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$17,791,857 · 82.4% of expenses

Management and office costs$3,808,986 · 17.6% of expenses

See all reported dollar amounts

Revenue$20,602,170

Expenses$21,600,843

Assets$12,876,303

Income$20,602,170

Contributions$3,199,877

Mission work (program services)$17,791,857

Grants given$41,670,973

Average grant$301,964

Management and general$3,808,986

Executive compensation (total)$451,221

Stocks and bonds$566,646

People

Leadership and board

Tax year 2024

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation

ENRIQUE C DELGADILLOPRESIDENT & CEO · 40 hrs/week $410,149Base $383,645 · Other $26,504

CYNTHIA CAMPBELLCOO · 40 hrs/week $329,073Base $316,285 · Other $12,788

DARRELL CHRISTOFFCIO · 40 hrs/week $203,424Base $186,711 · Other $16,713

JEANNINE DALYVP OF MARKETING · 40 hrs/week $155,202Base $134,247 · Other $20,955

LINDA DAVISVICE-PRES. HOUSING · 40 hrs/week $150,434Base $150,232 · Other $202

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (13)

ENRIQUE C DELGADILLOPRESIDENT & CEO

CYNTHIA CAMPBELLCOO

DARRELL CHRISTOFFCIO

JEANNINE DALYVP OF MARKETING

LINDA DAVISVICE-PRES. HOUSING

DARREN ALBERTDIRECTOR

JAMES HOFFMANTREASURER

JOANN DUNAWAYDIRECTOR

KIMBERLY RANGEDIRECTOR

MELYSSA BARRETTVICE CHAIR

MICHAEL COVERTDIRECTOR

THOMAS LAYMANCHAIRMAN

TRISTRAM S COFFINSECRETARY

About this charity

Recognized since: January 1974
Location: 2950 BUSKIRK AVE STE 300 PMB 257, WALNUT CREEK, CA 94597-6900
County: Contra Costa
In care of: RONALDO HARDY
Primary officer: RONALDO HARDY, President & CEO

How to reach them

WebsiteVisit the charity’s website Phone(800) 777-7526

Filing and classification

Latest tax year: 2024
Tax period began: January 1, 2024
Return type: 990
Tax preparer: MAZE & ASSOCIATES
NTEE classification: Financial Counseling (P51)
IRS tax category: Financial Counseling
Grant-giving organization: Yes