2024-11-14T11:11:38-08:00 2023-12-31 942590179 Maze & Associates 3478 Buskirk Ave Ste 217 Pleasant Hill CA 94523 990 2023-01-01 941688163 CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE CONS 8007777526 1655 GRANT STREET 1300 CONCORD CA 94520 ENRIQUE C DELGADILLO President & CEO 2024-11-14 true true VIKKI C RODRIGUEZ P00685455 9252282800 2023 2024-10-15 13:58:12Z ENRIQUE C DELGADILLO 1655 GRANT STREET 1300 CONCORD CA 945202789 20862219 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 2919087 2727693 19633968 17974955 50191 159571 0 22603246 20862219 11683646 9908459 0 5790711 5996847 0 0 3239480 3322759 20713837 19228065 1889409 1634154 15046991 14755923 8132930 6194182 6914061 8561741 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 12229204 BALANCE IS AN APPROVED NATIONAL HOUSING INTERMEDIARY BY THE US DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT. OUR HUD CERTIFIED COUNSELORS PROVIDE COUNSELING AND EDUCATION SERVICES TO CLIENTS NATIONWIDE IN THE AREAS OF RENTAL, PREPURCHASE, POST PURCHASE, FORECLOSURE PREVENTION, AND REVERSE MORTGAGE. IN 2023, THROUGH COMMUNITY OUTREACH AND STRATEGIC NATIONAL AND LOCAL PARTNERSHIPS WE PROVIDED HOUSING COUNSELING AND EDUCATION TO 8,718. 3261079 BALANCE PROVIDES 1:1 FINANCIAL COACHING AND DEBT MANAGEMENT SERVICES TO PARTNER REFERRALS, INCLUDING CREDIT UNIONS, BANKS, EMPLOYERS, AND EAPS. IN 2023, WE PROVIDED FINANCIAL COACHING, SMART MONEY COACHING, AND/OR DEBT MANAGEMENT SERVICES TO 73,723 CLIENTS AND EDUCATION TO 12,277. WE ALSO PROVIDED COACHING TO CLIENTS THAT RESULTED IN OVER $703,257 OF DEBT BEING REPAID IN 2023. 963675 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. 16453958 true false 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 0 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 40.00 0.00 X 239211 0 22976 TINA COTA CFO 40.00 0.00 189071 0 40731 DARRELL CHRISTOFF CIO 40.00 0.00 X 200331 0 19676 CYNTHIA CAMPBELL COO 40.00 0.00 X 200184 0 13295 LINDA DAVIS VICE-PRES. HOUSING 40.00 0.00 139140 0 264 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 INTER TREASURER 2.00 0.00 X 0 0 0 MELYSSA BARRETT VICE CHAIR 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 S 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 967937 96942 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 2345339 382354 2727693 DEBT ADMINISTRATION FEES 900099 20472 20472 OTHER INCOME 900099 263564 263564 PROGRAM SERVICES 900099 17690919 17690919 17974955 159571 159571 0 0 0 0 0 0 0 0 20862219 18134526 9908459 9908459 0 0 0 459218 431665 27553 0 4314705 3056010 1258695 0 868287 816190 52097 354637 333359 21278 0 0 0 0 0 0 242990 105448 137542 213723 201148 12575 68180 19784 48396 790979 700293 90686 0 1064640 164865 899775 0 0 0 0 0 0 122647 93132 29515 COMMUNICATIONS/TELEPHONE 170530 161179 9351 BOOK AMORTIZATION 115310 73956 41354 MEETING AND TRAVEL 111306 87890 23416 PROGRAM & PRODUCTS DEVELOPMENT 110246 105462 4784 312208 195118 117090 19228065 16453958 2774107 0 4698191 4652477 1763 0 0 5186898 5660782 0 0 0 0 349121 344528 2235246 2064543 240185 170703 498376 479514 0 0 107724 336914 3964733 3111005 15046991 14755923 406805 568453 564529 689196 46793 37123 7114803 4899410 8132930 6194182 X 3835420 5646267 3078641 2915474 6914061 8561741 15046991 14755923 1634154 13526 X false true X true true true X 1614012 2112278 3662294 2919087 2727693 13035364 0 0 1614012 2112278 3662294 2919087 2727693 13035364 0 13035364 170596 82733 132139 50191 159571 595230 0 0 13630594 0.95630 0.71280 X false true X 715253 568903 146350 1519993 1495640 24353 170703 DEPOSITS 228569 RIGHT OF USE ASSET 1758879 SPLIT-DOLLAR LIFE INSURANCE RECEIVABLE 1123557 3111005 ACCRUED PAID TIME OFF 327596 FUNDS DUE TO SUB-GRANTEES 2535817 RIGHT OF USE LIABILITY 2035997 4899410 20875745 13526 13526 20862219 20862219 19228065 19228065 19228065 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, 2023 AND 2022, FUNDS COLLECTED, BUT NOT YET REMITTED TO CREDITORS, AMOUNTED TO $37,123 AND $46,793, 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 937550 0 HOUSING COUNSELING & EDUCATION ASIAN INC 1167 MISSION ST 4TH FLOOR SAN FRANCISCO CA 94103 941753170 178995 0 HOUSING COUNSELING & EDUCATION CAMBRIDGE CREDIT COUNCIL COR 67 HUNT ST 305 AGAWAM MA 01001 043337726 389050 0 HOUSING COUNSELING & EDUCATION CCCS MARYLAND & DELAWARE INC 6315 HILLSIDE CT STE B COLUMBIA MD 21046 520846275 265500 0 HOUSING COUNSELING & EDUCATION COMM HOUSING COUN OF FRESNO 2560 W SHAW LN 101 FRESNO CA 93711 113686123 241500 0 HOUSING COUNSELING & EDUCATION CONSUMER EDUC SERVICES INC 3700 BARRETT DRIVE RALEIGH NC 27609 562106758 305732 0 HOUSING COUNSELING & EDUCATION CREDITORG 1450 IOWA AVE STE 200 RIVERSIDE CA 92507 330656671 842297 0 HOUSING COUNSELING & EDUCATION DEBT MGMT CREDIT COUN CORP 1100 SOUTH POWERLINE RD 101 DEERFIELD BEACH FL 33442 650923483 280808 0 HOUSING COUNSELING & EDUCATION DEBTHELPERCOM 1325 N CONGRESS AVE 201 WEST PALM BEACH FL 33401 311483386 265500 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 64491 0 HOUSING COUNSELING & EDUCATION GREAT LAKES CREDIT UNION PO BOX 1289 BANNOCKBURN IL 60015 361163912 63464 0 HOUSING COUNSELING & EDUCATION GREENPATH FINANCIAL WELLNESS 36500 CORPORATE DR FARMINGTON HILL MI 48331 386142925 1325250 0 HOUSING COUNSELING & EDUCATION INLAND FH & MEDIATION BOARD 1500 S HAVEN AVE 100 ONTARIO CA 91761 953639912 207750 0 HOUSING COUNSELING & EDUCATION LUTHERAN SOCIAL SERVICES S CA 999 TOWN AND COUNTRY RD 100 ORANGE CA 92868 952225798 40500 0 HOUSING COUNSELING & EDUCATION MONEY MGMT INTERNATIONAL 12603 SW FREEWAY STE 450 STAFFORD TX 77477 541837741 1404750 0 HOUSING COUNSELING & EDUCATION NAVICORE 200 US-9 MANALAPAN TOWN NJ 07726 811695186 924750 0 HOUSING COUNSELING & EDUCATION NEIGHBORHOOD HS LA COUNTY 3926 WILSHIRE BLVD LOS ANGELES CA 90010 953938955 307250 0 HOUSING COUNSELING & EDUCATION NEIGHBORHOOD PARTNERSHIP HS 9551 PITTSBURG AVENUE RANCHO CUCAMONG CA 94124 330435536 249750 0 HOUSING COUNSELING & EDUCATION NEIGHBORWORKS ORANGE COUNTY 128 E KATELLA AVE ORANGE CA 92867 953130152 318000 0 HOUSING COUNSELING & EDUCATION OPPORTUNITIES CREDIT UNION 25 WINOOSKI FALLS WAY NO 203 WINOOSKI VT 40067 030321712 106281 0 HOUSING COUNSELING & EDUCATION PROJECT SENTINEL 1490 EL CAMINO REAL SANTA CLARA CA 95050 770266612 630750 0 HOUSING COUNSELING & EDUCATION RICHMOND NEIGHBOOR HS 12972 SAN PABLO AVE RICHMOND CA 94805 942791683 42750 0 HOUSING COUNSELING & EDUCATION SF HOUSING DEVELOPMENT CORP 4439 THIRD STREET SAN FRANCISCO CA 94124 943090854 30000 0 HOUSING COUNSELING & EDUCATION SAN FRANCISCO LGBT CENTER 1800 MARKET ST SAN FRANCISCO CA 94102 943236718 81000 0 HOUSING COUNSELING & EDUCATION SOUTH SIDE COMMUNITY FCU 5401 SOUTH WENTWORTH AVE 25 CHICAGO IL 60609 061707639 5134 0 HOUSING COUNSELING & EDUCATION TAKE CHARGE AMERICA 20620 NORTH 19TH AVE PHOENIX AZ 85027 860593598 178600 0 HOUSING COUNSELING & EDUCATION VENTURA COUNTY COMM DEV 2231 STURGIS ROAD A OXNARD CA 93030 743061811 188750 0 HOUSING COUNSELING & EDUCATION 24 4 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 COO 200184 13295 213479 DARRELL CHRISTOFF CIO 200331 19676 220007 ENRIQUE C DELGADILLO President & CEO 239211 22976 262187 TINA COTA CFO 189071 40731 229802 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).