2023-10-13T16:28:25-07:00 2022-12-31 942590179 Maze & Associates 3478 Buskirk Ave Ste 217 Pleasant Hill CA 94523 990 2022-01-01 941688163 CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE CONS 8007777526 1655 GRANT STREET 1300 CONCORD CA 94520 ENRIQUE C DELGADILLO President & CEO 2023-10-13 true ENRIQUE C DELGADILLO 999009999 true VIKKI C RODRIGUEZ P00685455 9252282800 2 AAL1 IAL1 FAL1 2022 2023-04-26 12:10:37Z ENRIQUE C DELGADILLO 1655 GRANT STREET 1300 CONCORD CA 945202789 22603246 false 2545 X WWW.BALANCEPRO.ORG X 1969 CA WE WILL HELP INDIVIDUALS AND FAMILIES NATIONWIDE OVERCOME OBSTACLES AND BREAK THE CYCLE OF POVERTY THROUGH COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AND EDUCATION. 11 11 84 0 3662294 2919087 13542062 19633968 132139 50191 0 17336495 22603246 9199787 11683646 0 5343056 5790711 0 0 2958489 3239480 17501332 20713837 -164837 1889409 9996299 15046991 4911965 8132930 5084334 6914061 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. false false 14228130 HOUSING - THE HOUSING DEPARTMENT PROVIDES COUNSELING AND EDUCATION SERVICES TO CLIENTS NATIONWIDE IN THE AREAS OF RENTAL, PRE-PURCHASE, POST-PURCHASE, FORECLOSURE PREVENTION, AND REVERSE MORTGAGE. THROUGH COMMUNITY OUTREACH AND STRATEGIC NATIONAL AND LOCAL PARTNERSHIPS, WE PROVIDED HOUSING COUNSELING TO 5,103 CLIENTS AND EDUCATION TO 3,282 INDIVIDUALS. AN EXAMPLE OF THE IMPACT OUR WORK HAS IN THE COMMUNITIES SERVED, WE HELPED OVER 570 HOMEOWNERS AVOID FORECLOSURE AND HELPED MORE THAN 100 PEOPLE BECAME HOMEOWNERS. 3298838 FINANCIAL FITNESS AND DEBT MANAGEMENT SERVICES OUR COUNSELORS AND EDUCATORS SERVE ALL OF THE COUNSELING REFERRALS FROM OUR NEARLY 400 PARTNERS, INCLUDING CREDIT UNIONS, BANKS, EMPLOYERS, AND EAPS. THEY PROVIDE ONE-ON-ONE COUNSELING COVERING MONEY MANAGEMENT, DEBT REDUCTION, CREDIT REPORT REVIEW, STUDENT LOAN REPAYMENT, AND PREPARING FOR HOMEOWNERSHIP. COUNSELING AND EDUCATION ARE PROVIDED VIA PHONE, CHAT, EMAIL, AND IN BOTH VIRTUAL AND IN-PERSON CLASSROOM SETTINGS. IN 2022, WE PROVIDED FINANCIAL FITNESS COUNSELING, SMART MONEY COACHING, AND/OR DEBT MANAGEMENT SERVICES TO 67,971 CLIENTS. THROUGH OUR PRIVATE-LABEL WEBSITES, CONSUMERS HAVE COMPLETED 4,3401 ONLINE LEARNING MODULES. WE CONDUCTED 381 FINANCIAL FITNESS WORKSHOPS AND WEBINARS, PROVIDING EDUCATION TO 1,4505 ATTENDEES. THE CLIENTS WE SERVE REPAID OVER $756,150 IN DEBT IN 2022. 816435 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. BALANCE CURRENTLY HAS 16 ACTIVE SMART MONEY COACHING SITES (PARTNER CBOS). 18343403 true true false false false false false false true false true false false true true false true false false false false false false false false false false true false true false false false false false false false false false false false false false false false false false true 10 0 false 84 true false false false false false false false 0 false false false false false false false X 11 11 false false false false false false false true true false false true true false true true true true false false AZ CA CO FL GA ID MI NC NM NV OH OK PA TX X X ENRIQUE C DELGADILLO 8007777526 1655 GRANT STREET 1300 CONCORD CA 945202789 ENRIQUE C DELGADILLO President & CEO 60.00 0.00 X 226706 0 35922 DARRELL CHRISTOFF CIO 40.00 0.00 X 200979 0 28865 CYNTHIA CAMPBELL CXO 40.00 0.00 X 194438 0 25306 TINA COTA CFO 40.00 0.00 181466 0 37192 LINDA DAVIS VICE-PRES. HOUSING 40.00 0.00 135390 0 6758 THOMAS LAYMAN Chairman 2.00 0.00 X X 0 0 0 MICHAEL COVERT Director 2.00 0.00 X 0 0 0 JAMES HOFFMAN Director 2.00 0.00 X 0 0 0 MELYSSA BARRETT Treasurer 2.00 0.00 X X 0 0 0 NANCY BIRENBAUM Director 2.00 0.00 X 0 0 0 JOANN DUNAWAY Director 2.00 0.00 X 0 0 0 TRISTRAM COFFIN Secretary 2.00 0.00 X X 0 0 0 KIMBERLY RANGE Director 2.00 0.00 X 0 0 0 DARREN ALBERT Director 2.00 0.00 X 0 0 0 RUBEN SANCHEZ Director 2.00 0.00 X 0 0 0 938979 134043 5 false true false NAVIGATOR NETWORKS LLC 6114 LA SALLE AVENUE OAKLAND CA 94611 TECH SERVICES VENABLE LLP 101 CALIFORNIA STREET STE 3800 SAN FRANCISCO CA 94111 LEGAL SERVICES 0 2064394 854693 2919087 DEBT ADMINISTRATION FEES 900099 16685 16685 OTHER INCOME 900099 8843 8843 PROGRAM SERVICES 900099 19608440 19608440 19633968 50191 50191 0 0 0 0 0 0 0 0 22603246 19684159 11683646 11683646 0 0 0 622123 584174 37949 0 3972757 2873698 1099059 0 856397 804157 52240 339434 318729 20705 0 0 0 0 0 0 275098 156301 118797 426205 417730 8475 18046 7611 10435 767709 687857 79852 0 1042242 237396 804846 0 0 0 0 0 115065 59952 55113 116498 88976 27522 COMMUNICATIONS/TELEPHONE 159415 153378 6037 PROGRAM & PRODUCTS DEVELOPMENT 91113 88128 2985 EMPLOYEE EDUCATION & TRAINING 83473 70812 12661 MEETING AND TRAVEL 60130 42700 17430 84486 68158 16328 20713837 18343403 2370434 0 4746715 4698191 4390 1763 0 2363292 5186898 0 0 0 0 584100 349121 2228338 1988153 312976 240185 578530 498376 0 0 69056 107724 1337240 3964733 9996299 15046991 310345 406805 2039768 564529 29164 46793 2532688 7114803 4911965 8132930 X 5084334 3835420 3078641 5084334 6914061 9996299 15046991 1889409 -59682 X false true X true true true X 1709916 1614012 2112278 3662294 2919087 12017587 0 0 1709916 1614012 2112278 3662294 2919087 12017587 3075932 8941655 90687 170596 82733 132139 50191 526346 0 0 12543933 0.71280 0.69540 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false true X 715253 498616 216637 1513085 1489537 23548 240185 DEPOSITS 232404 RIGHT OF USE ASSET 2580710 SPLIT-DOLLAR LIFE INSURANCE RECEIVABLE 1151619 3964733 ACCRUED PAID TIME OFF 281167 FUNDS DUE TO SUB-GRANTEES 3879108 RIGHT OF USE LIABILITY 2954528 7114803 22543564 -59682 -59682 22603246 22603246 20713837 20713837 20713837 Part IV, Line 2b: Explanation of escrow account liability BALANCE HOLDS FUNDS AT ONE FINANCIAL INSTITUTION FROM CLIENTS IN TRUST TO BEDISBURSED TO CREDITORS IN ACCORDANCE WITH INDIVIDUAL DEBT MANAGEMENT PLANSESTABLISHED WITH EACH CLIENT. AT DECEMBER 31, 2022 AND 2021, FUNDS COLLECTED, BUT NOT YET REMITTED TO CREDITORS, AMOUNTED TO $46,793 AND $29,164, RESPECTIVELY. THEY ARE REMITTED WITHIN TWO DAYS TO CREDITORS AND ARE NOT RESERVES THAT COULD BE DRAWN UPON. true A-1 COMMUNITY HOUSING SERVICE 22693 HESPERIAN BLVD STE 150 HAYWARD CA 94541 811791167 631050 0 HOUSING COUNSELING & EDUCATION ASIAN INC 1167 MISSION ST 4TH FLOOR SAN FRANCISCO CA 94103 941753170 315880 0 HOUSING COUNSELING & EDUCATION CAMBRIDGE CREDIT COUNCIL COR 67 HUNT ST 305 AGAWAM MA 01001 043337726 216400 0 HOUSING COUNSELING & EDUCATION CCCS MARYLAND & DELAWARE INC 6315 HILLSIDE CT STE B COLUMBIA MD 21046 520846275 276000 0 HOUSING COUNSELING & EDUCATION COMM HOUSING COUN OF FRESNO 2560 W SHAW LN 101 FRESNO CA 93711 113686123 220000 0 HOUSING COUNSELING & EDUCATION CONSUMER EDUC SERVICES INC 3700 BARRETT DRIVE RALEIGH NC 27609 562106758 117000 0 HOUSING COUNSELING & EDUCATION CONSUMER HOUSING DEVELOP CORP 1535 FRED JACKSON WAY RICHMOND CA 94801 680235719 94250 0 HOUSING COUNSELING & EDUCATION CREDITORG 1450 IOWA AVE STE 200 RIVERSIDE CA 92507 330656671 1273500 0 HOUSING COUNSELING & EDUCATION CSA SAN DIEGO COUNTY 327 VAN HOUTEN AVE CAJON CA 92020 273317344 60000 0 HOUSING COUNSELING & EDUCATION DEBT MGMT CREDIT COUN CORP 1100 SOUTH POWERLINE RD 101 DEERFIELD BEACH FL 33442 650923483 140404 0 HOUSING COUNSELING & EDUCATION DEBTHELPERCOM 1325 N CONGRESS AVE 201 WEST PALM BEACH FL 33401 311483386 78000 0 HOUSING COUNSELING & EDUCATION FRAMEWORKS COMM DEV CORP 2200 E MARTIN LUTHER KING JR AUSTIN TX 78722 562492634 30000 0 HOUSING COUNSELING & EDUCATION GECU 6801 VISCOUNT BLVD EL PASO TX 79925 740650998 43486 0 HOUSING COUNSELING & EDUCATION GREAT LAKES CREDIT UNION PO BOX 1289 BANNOCKBURN IL 60015 361163912 47024 0 HOUSING COUNSELING & EDUCATION GREENPATH FINANCIAL WELLNESS 36500 CORPORATE DR FARMINGTON HILL MI 48331 386142925 1732750 0 HOUSING COUNSELING & EDUCATION INLAND FH & MEDIATION BOARD 1500 S HAVEN AVE 100 ONTARIO CA 91761 953639912 266500 0 HOUSING COUNSELING & EDUCATION LUTHERAN SOCIAL SERVICES S CA 999 TOWN AND COUNTRY RD 100 ORANGE CA 92868 952225798 92000 0 HOUSING COUNSELING & EDUCATION MONEY MGMT INTERNATIONAL 12603 SW FREEWAY STE 450 STAFFORD TX 77477 541837741 1434750 0 HOUSING COUNSELING & EDUCATION NAVICORE 200 US-9 MANALAPAN TOWN NJ 07726 811695186 1164250 0 HOUSING COUNSELING & EDUCATION NEIGHBORHOOD HS LA COUNTY 3926 WILSHIRE BLVD LOS ANGELES CA 90010 953938955 354250 0 HOUSING COUNSELING & EDUCATION NEIGHBORHOOD HS OF INLAND EMP 1845 BUSINESS CNTR DR S 120 SAN BERNARDINO CA 92408 953571587 340500 0 HOUSING COUNSELING & EDUCATION NEIGHBORHOOD PARTNERSHIP HS 9551 PITTSBURG AVENUE RANCHO CUCAMONG CA 94124 330435536 246000 0 HOUSING COUNSELING & EDUCATION NEIGHBORWORKS ORANGE COUNTY 128 E KATELLA AVE ORANGE CA 92867 953130152 501402 0 HOUSING COUNSELING & EDUCATION NEIGHBORWORKS SACRAMENTO 2411 ALHAMBRA BLVD 200 SACRAMENTO CA 95817 680118032 165500 0 HOUSING COUNSELING & EDUCATION NID HOUSING COUNSELING AGENCY 7677 OAKPORT STREET 510 OAKLAND CA 94621 943353869 160500 0 HOUSING COUNSELING & EDUCATION OPPORTUNITIES CREDIT UNION 25 WINOOSKI FALLS WAY NO 203 WINOOSKI VT 40067 030321712 88893 0 HOUSING COUNSELING & EDUCATION PIONEER CREDIT COUNSELING 1644 CONCOURSE DR RAPID CITY SD 57703 460358693 89898 0 HOUSING COUNSELING & EDUCATION PROJECT SENTINEL 1490 EL CAMINO REAL SANTA CLARA CA 95050 770266612 872250 0 HOUSING COUNSELING & EDUCATION RICHMOND NEIGHBOOR HS 12972 SAN PABLO AVE RICHMOND CA 94805 942791683 101000 0 HOUSING COUNSELING & EDUCATION SF HOUSING DEVELOPMENT CORP 4439 THIRD STREET SAN FRANCISCO CA 94124 943090854 200750 0 HOUSING COUNSELING & EDUCATION SAN FRANCISCO LGBT CENTER 1800 MARKET ST SAN FRANCISCO CA 94102 943236718 87500 0 HOUSING COUNSELING & EDUCATION SOUTH SIDE COMMUNITY FCU 5401 SOUTH WENTWORTH AVE 25 CHICAGO IL 60609 061707639 7975 0 HOUSING COUNSELING & EDUCATION SYRACUSE COOPERATIVE FCU 800 N SALINA STREET SYRACUSE NY 13208 222395897 13831 0 HOUSING COUNSELING & EDUCATION TAKE CHARGE AMERICA 20620 NORTH 19TH AVE PHOENIX AZ 85027 860593598 70200 0 HOUSING COUNSELING & EDUCATION VENTURA COUNTY COMM DEV 2231 STURGIS ROAD A OXNARD CA 93030 743061811 147250 0 HOUSING COUNSELING & EDUCATION 30 5 Grantmaker's Description of How Grants are Used BALANCE HAS DETAILED REQUIRED PROCEDURES FOR MONITORING THE USE OF FUNDS WITHIN THE UNITED STATES INCLUDING BUT NOT LIMITED TO REVIEWING FINANCIALS, ON-SITE MONITORING AS WELL AS CAPACITY BUILDING AS REQUIRED. X X X X false true false false false false false false false CYNTHIA CAMPBELL CXO 194438 13573 11733 219744 DARRELL CHRISTOFF CIO 200979 28865 229844 ENRIQUE C DELGADILLO President & CEO 226706 6774 29148 262628 TINA COTA CFO 181466 1800 35392 218658 Form 990, Part VI, Section B, Line 11b THE BOARD DELEGATES THE CEO TO PERFORM A THOROUGH REVIEW OF FORM 990. ALL BOARD MEMBERS RECEIVE A COPY OF THE RETURN AND REVIEW AT A SUBSEQUENT BOARD MEETING. Form 990, Part VI, Section B, Line 12c NO CONFLICT OF INTERESTS AROSE BY BOARD MEMBERS IN 2022. Form 990, Part VI, Section B, Line 15a CEO COMPENSATION IS REVIEWED AND APPROVED BY THE GOVERNING BODY. NO PERSON WITH A CONFLICT OF INTEREST WAS INVOLVED. COMPENSATION DATA FROM OTHER SIMILAR ORGANIZATIONS WAS REVIEWED BY THE BOARD. Form 990, Part VI, Section C, Line 19 GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST; AND FINANCIAL STATEMENTS ARE POSTED ON OTHER WEBSITE (GUIDESTAR).