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      </InvestmentIncomeGrp>
      <GrossAmountSalesAssetsGrp>
        <SecuritiesAmt>4894</SecuritiesAmt>
      </GrossAmountSalesAssetsGrp>
      <LessCostOthBasisSalesExpnssGrp>
        <SecuritiesAmt>4867</SecuritiesAmt>
      </LessCostOthBasisSalesExpnssGrp>
      <GainOrLossGrp>
        <SecuritiesAmt>27</SecuritiesAmt>
      </GainOrLossGrp>
      <NetGainOrLossInvestmentsGrp>
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        <ExclusionAmt>27</ExclusionAmt>
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      <FundraisingDirectExpensesAmt>50</FundraisingDirectExpensesAmt>
      <NetIncmFromFundraisingEvtGrp>
        <TotalRevenueColumnAmt>2290</TotalRevenueColumnAmt>
        <ExclusionAmt>2290</ExclusionAmt>
      </NetIncmFromFundraisingEvtGrp>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>1553814</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>0</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>8833</ExclusionAmt>
      </TotalRevenueGrp>
      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>156680</TotalAmt>
        <ProgramServicesAmt>105530</ProgramServicesAmt>
        <ManagementAndGeneralAmt>11686</ManagementAndGeneralAmt>
        <FundraisingAmt>39464</FundraisingAmt>
      </CompCurrentOfcrDirectorsGrp>
      <OtherSalariesAndWagesGrp>
        <TotalAmt>316889</TotalAmt>
        <ProgramServicesAmt>272828</ProgramServicesAmt>
        <ManagementAndGeneralAmt>39022</ManagementAndGeneralAmt>
        <FundraisingAmt>5039</FundraisingAmt>
      </OtherSalariesAndWagesGrp>
      <OtherEmployeeBenefitsGrp>
        <TotalAmt>108944</TotalAmt>
        <ProgramServicesAmt>81684</ProgramServicesAmt>
        <ManagementAndGeneralAmt>14936</ManagementAndGeneralAmt>
        <FundraisingAmt>12324</FundraisingAmt>
      </OtherEmployeeBenefitsGrp>
      <PayrollTaxesGrp>
        <TotalAmt>44935</TotalAmt>
        <ProgramServicesAmt>34177</ProgramServicesAmt>
        <ManagementAndGeneralAmt>5537</ManagementAndGeneralAmt>
        <FundraisingAmt>5221</FundraisingAmt>
      </PayrollTaxesGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>80165</TotalAmt>
        <ProgramServicesAmt>54894</ProgramServicesAmt>
        <ManagementAndGeneralAmt>8257</ManagementAndGeneralAmt>
        <FundraisingAmt>17014</FundraisingAmt>
      </FeesForServicesOtherGrp>
      <OfficeExpensesGrp>
        <TotalAmt>5899</TotalAmt>
        <ProgramServicesAmt>3452</ProgramServicesAmt>
        <ManagementAndGeneralAmt>138</ManagementAndGeneralAmt>
        <FundraisingAmt>2309</FundraisingAmt>
      </OfficeExpensesGrp>
      <InformationTechnologyGrp>
        <TotalAmt>5909</TotalAmt>
        <ProgramServicesAmt>4795</ProgramServicesAmt>
        <ManagementAndGeneralAmt>461</ManagementAndGeneralAmt>
        <FundraisingAmt>653</FundraisingAmt>
      </InformationTechnologyGrp>
      <OccupancyGrp>
        <TotalAmt>75031</TotalAmt>
        <ProgramServicesAmt>66317</ProgramServicesAmt>
        <ManagementAndGeneralAmt>3053</ManagementAndGeneralAmt>
        <FundraisingAmt>5661</FundraisingAmt>
      </OccupancyGrp>
      <ConferencesMeetingsGrp>
        <TotalAmt>1310</TotalAmt>
        <ProgramServicesAmt>807</ProgramServicesAmt>
        <ManagementAndGeneralAmt>36</ManagementAndGeneralAmt>
        <FundraisingAmt>467</FundraisingAmt>
      </ConferencesMeetingsGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>144</TotalAmt>
        <ProgramServicesAmt>144</ProgramServicesAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>5203</TotalAmt>
        <ProgramServicesAmt>4366</ProgramServicesAmt>
        <ManagementAndGeneralAmt>222</ManagementAndGeneralAmt>
        <FundraisingAmt>615</FundraisingAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>Client services</Desc>
        <TotalAmt>33274</TotalAmt>
        <ProgramServicesAmt>32801</ProgramServicesAmt>
        <ManagementAndGeneralAmt>458</ManagementAndGeneralAmt>
        <FundraisingAmt>15</FundraisingAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Savings match</Desc>
        <TotalAmt>13589</TotalAmt>
        <ProgramServicesAmt>13589</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Staff development</Desc>
        <TotalAmt>6368</TotalAmt>
        <ProgramServicesAmt>3818</ProgramServicesAmt>
        <ManagementAndGeneralAmt>2336</ManagementAndGeneralAmt>
        <FundraisingAmt>214</FundraisingAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Supplies</Desc>
        <TotalAmt>12885</TotalAmt>
        <ProgramServicesAmt>12599</ProgramServicesAmt>
        <ManagementAndGeneralAmt>70</ManagementAndGeneralAmt>
        <FundraisingAmt>216</FundraisingAmt>
      </OtherExpensesGrp>
      <AllOtherExpensesGrp>
        <TotalAmt>7242</TotalAmt>
        <ProgramServicesAmt>6796</ProgramServicesAmt>
        <ManagementAndGeneralAmt>295</ManagementAndGeneralAmt>
        <FundraisingAmt>151</FundraisingAmt>
      </AllOtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>874467</TotalAmt>
        <ProgramServicesAmt>698597</ProgramServicesAmt>
        <ManagementAndGeneralAmt>86507</ManagementAndGeneralAmt>
        <FundraisingAmt>89363</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>543171</BOYAmt>
        <EOYAmt>573043</EOYAmt>
      </CashNonInterestBearingGrp>
      <SavingsAndTempCashInvstGrp>
        <BOYAmt>575448</BOYAmt>
        <EOYAmt>1334210</EOYAmt>
      </SavingsAndTempCashInvstGrp>
      <PledgesAndGrantsReceivableGrp>
        <BOYAmt>176229</BOYAmt>
        <EOYAmt>299906</EOYAmt>
      </PledgesAndGrantsReceivableGrp>
      <AccountsReceivableGrp>
        <EOYAmt>1130</EOYAmt>
      </AccountsReceivableGrp>
      <InventoriesForSaleOrUseGrp>
        <BOYAmt>2387</BOYAmt>
      </InventoriesForSaleOrUseGrp>
      <PrepaidExpensesDefrdChargesGrp>
        <BOYAmt>1391</BOYAmt>
        <EOYAmt>1391</EOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <LandBldgEquipCostOrOtherBssAmt>15830</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>11330</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>144</BOYAmt>
        <EOYAmt>4500</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <OtherAssetsTotalGrp>
        <BOYAmt>2485</BOYAmt>
        <EOYAmt>225497</EOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>1301255</BOYAmt>
        <EOYAmt>2439677</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>46243</BOYAmt>
        <EOYAmt>54592</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <DeferredRevenueGrp>
        <EOYAmt>199180</EOYAmt>
      </DeferredRevenueGrp>
      <EscrowAccountLiabilityGrp>
        <BOYAmt>104048</BOYAmt>
        <EOYAmt>125983</EOYAmt>
      </EscrowAccountLiabilityGrp>
      <UnsecuredNotesLoansPayableGrp>
        <EOYAmt>229611</EOYAmt>
      </UnsecuredNotesLoansPayableGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>150291</BOYAmt>
        <EOYAmt>609366</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>1048464</BOYAmt>
        <EOYAmt>1406143</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <DonorRestrictionNetAssetsGrp>
        <BOYAmt>102500</BOYAmt>
        <EOYAmt>424168</EOYAmt>
      </DonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>1150964</BOYAmt>
        <EOYAmt>1830311</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>1301255</BOYAmt>
        <EOYAmt>2439677</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>679347</ReconcilationRevenueExpnssAmt>
      <OtherChangesInNetAssetsAmt>0</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>true</FSAuditedInd>
      <FSAuditedBasisGrp>
        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
      </FSAuditedBasisGrp>
      <AuditCommitteeInd>true</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleA documentId="990A">
      <PublicOrganization170Ind>X</PublicOrganization170Ind>
      <GiftsGrantsContriRcvd170Grp>
        <CurrentTaxYearMinus4YearsAmt>619859</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>651488</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>979797</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>1174648</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>1544981</CurrentTaxYearAmt>
        <TotalAmt>4970773</TotalAmt>
      </GiftsGrantsContriRcvd170Grp>
      <TotalCalendarYear170Grp>
        <CurrentTaxYearMinus4YearsAmt>619859</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>651488</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>979797</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>1174648</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>1544981</CurrentTaxYearAmt>
        <TotalAmt>4970773</TotalAmt>
      </TotalCalendarYear170Grp>
      <SubstantialContributorsTotAmt>1121240</SubstantialContributorsTotAmt>
      <PublicSupportTotal170Amt>3849533</PublicSupportTotal170Amt>
      <GrossInvestmentIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>2858</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>11273</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>7892</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>1548</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>6516</CurrentTaxYearAmt>
        <TotalAmt>30087</TotalAmt>
      </GrossInvestmentIncome170Grp>
      <OtherIncome170Grp>
        <CurrentTaxYearMinus1YearAmt>36</CurrentTaxYearMinus1YearAmt>
        <TotalAmt>36</TotalAmt>
      </OtherIncome170Grp>
      <TotalSupportAmt>5000896</TotalSupportAmt>
      <PublicSupportCY170Pct>0.76980</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.86500</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="990B">
      <ContributorInformationGrp>
        <ContributorNum>RESTRICTED</ContributorNum>
        <ContributorBusinessName>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorBusinessName>
        <ContributorUSAddress>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorUSAddress>
        <TotalContributionsAmt>RESTRICTED</TotalContributionsAmt>
      </ContributorInformationGrp>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="990D">
      <AgentTrusteeEtcInd>false</AgentTrusteeEtcInd>
      <InclEscrowCustodialAcctLiabInd>true</InclEscrowCustodialAcctLiabInd>
      <ExplanationProvidedInd>X</ExplanationProvidedInd>
      <LeaseholdImprovementsGrp>
        <OtherCostOrOtherBasisAmt>7480</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>7480</DepreciationAmt>
      </LeaseholdImprovementsGrp>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>8350</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>3850</DepreciationAmt>
        <BookValueAmt>4500</BookValueAmt>
      </EquipmentGrp>
      <TotalBookValueLandBuildingsAmt>4500</TotalBookValueLandBuildingsAmt>
      <TotalRevEtcAuditedFinclStmtAmt>1553814</TotalRevEtcAuditedFinclStmtAmt>
      <RevenueSubtotalAmt>1553814</RevenueSubtotalAmt>
      <TotalRevenuePerForm990Amt>1553814</TotalRevenuePerForm990Amt>
      <TotExpnsEtcAuditedFinclStmtAmt>874467</TotExpnsEtcAuditedFinclStmtAmt>
      <ExpensesSubtotalAmt>874467</ExpensesSubtotalAmt>
      <TotalExpensesPerForm990Amt>874467</TotalExpensesPerForm990Amt>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Escrow account liability (Part IV, line 2b)</FormAndLineReferenceDesc>
        <ExplanationTxt>Low income clients who participate in CEFs savings program make deposits towards their savings goals which are held in escrow until the client meets his or her savings goal.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="990O">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990 governing body review Part VI line 11</FormAndLineReferenceDesc>
        <ExplanationTxt>All members of the Board of Directors are provided with a copy of the Form 990 electronically for their review, requesting written authorization before submission of the document.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Conflict of interest policy compliance Part VI line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>The Board of Directors reviews the conflict of interest policy regularly for any updates to the policy, and incorporates signing of the conflict of interest disclosure forms and collection of these forms into the Annual Meeting of the Board of Directors.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>CEO executive director top management comp Part VI line 15a</FormAndLineReferenceDesc>
        <ExplanationTxt>To determine compensation for the Organizations top management official and key employees of the Organization, the Board of Directors, made up of independent persons, evaluates information about comparable compensation and deliberates to determine the appropriate compensation range for the Organization. Documentation and deliberation is recorded in meeting minutes of the Board.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Other officer or key employee compensation Part VI line 15b</FormAndLineReferenceDesc>
        <ExplanationTxt>To determine compensation for the Organizations top management official and key employees of the Organization, the Board of Directors, made up of independent persons, evaluates information about comparable compensation and deliberates to determine the appropriate compensation range for the Organization. Documentation and deliberation is recorded in meeting minutes of the Board.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Governing documents etc available to public Part VI line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>The Organization makes its financial statements, governing documents and conflict of interest policy available to the general public upon request.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>