2025-11-05T10:30:35-08:00 2024-12-31 942590179 Maze & Associates 3478 Buskirk Ave Ste 217 Pleasant Hill CA 94523 990 2024-01-01 941688163 CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE CONS 8007777526 1655 GRANT STREET 1300 CONCORD CA 94520 RONALDO HARDY President & CEO 2025-11-05 true true VIKKI C RODRIGUEZ P00685455 9252282800 2024 2025-03-06 01:10:19Z RONALDO HARDY 20602170 false 2545 X WWW.BEBALANCED.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 89 11 0 2727693 3199877 17974955 17028330 159571 373963 0 20862219 20602170 9908459 10884091 0 5996847 7104895 0 0 3322759 3611857 19228065 21600843 1634154 -998673 14755923 12876303 6194182 5293370 8561741 7582933 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 13614871 BALANCE IS A HUD APPROVED NATIONAL HOUSING COUNSELING INTERMEDIARY BY THE US DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT. OUR HUD CERTIFIED COUNSELORS PROVIDE OUTREACH, COUNSELING AND EDUCATION SERVICES FOR RENTAL ASSISTANCE, PREPURCHASE, POST-PURCHASE, FORECLOSURE PREVENTION AND REVERSE MORTGAGE/HECM TO CLIENTS NATIONWIDE. IN 2024, THROUGH COMMUNITY ENGAGEMENT AND STRATEGIC NATIONAL AND LOCAL PARTNERSHIPS, WE PROVIDED COUNSELING AND HOUSING EDUCATION TO 11,570 CLIENTS. 3237327 BALANCE PROVIDES 1:1 FINANCIAL COACHING TO PARTNER REFERRALS INCLUDING CREDIT UNION, BANKS, EMPLOYERS AND EAPS. IN 2024 WE PROVIDED FINANCIAL COACHING SERVICES TO 12761 CLIENTS. WE ALSO PROVIDED ONLINE EDUCATION THROUGH OUR BALANCE TRACK MODULES TO 30,013 CLIENTS. 939659 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. 17791857 true false false false false false false false false 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 12 0 false 89 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 RONALDO HARDY 8007777526 1655 GRANT STREET 1300 CONCORD CA 945202789 ENRIQUE C DELGADILLO President & CEO 40.00 0.00 X 383645 0 26504 CYNTHIA CAMPBELL COO 40.00 0.00 X 316285 0 12788 DARRELL CHRISTOFF CIO 40.00 0.00 X 186711 0 16713 JEANNINE DALY VP OF MARKETING 40.00 0.00 134247 0 20955 LINDA DAVIS VICE-PRES. HOUSING 40.00 0.00 150232 0 202 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 Treasurer 2.00 0.00 X 0 0 0 MELYSSA BARRETT VICE CHAIR 2.00 0.00 X 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 1171120 77162 5 false true false SWIFT REAL ESTATE PARTNERS 260 CALIFORNIA ST STE 1100 SAN FRANCISCO CA 94111 REAL ESTATE SERVICES RICK SEILER 117 ECLIPSE WAY MOORESEVILLE NC 28117 IT CONSULTING 0 1029571 2170306 3199877 DEBT ADMINISTRATION FEES 900099 19722 19722 OTHER INCOME 900099 13173 13173 PROGRAM SERVICES 900099 16995435 16995435 17028330 373963 373963 0 0 0 0 0 0 0 0 20602170 17402293 10884091 10884091 0 0 0 942646 640999 301647 0 4859013 3300726 1558287 0 880675 598859 281816 422561 287341 135220 0 0 0 0 0 0 268786 111035 157751 112226 47154 65072 29331 11810 17521 1058584 904317 154267 0 1078706 73515 1005191 0 0 0 0 0 0 127139 96679 30460 BOOK DEPRECIATION 236323 209136 27187 COMMUNICATIONS/TELEPHONE 175943 157196 18747 PROGRAM & PRODUCTS DEVELOPMENT 153362 135348 18014 MISCELLANEOUS 141831 136469 5362 229626 197182 32444 21600843 17791857 3808986 0 4652477 4249911 0 0 5660782 6093212 0 0 0 0 344528 342030 2235246 2143033 170703 92213 479514 566646 0 0 336914 373898 3111005 1158393 14755923 12876303 568453 700882 689196 499653 4936533 4092835 6194182 5293370 X 5646267 4074420 2915474 3508513 8561741 7582933 14755923 12876303 -998673 19865 X false true X true true true X 2112278 3662294 2919087 2727693 3199877 14621229 0 0 2112278 3662294 2919087 2727693 3199877 14621229 0 14621229 82733 132139 50191 159571 373963 798597 0 0 15419826 0.94820 0.95630 X 715253 639190 76063 1519993 1503843 16150 92213 DEPOSITS 235382 RIGHT OF USE ASSET 923011 SPLIT-DOLLAR LIFE INSURANCE RECEIVABLE 1158393 ACCRUED PAID TIME OFF 245270 FUNDS DUE TO SUB-GRANTEES 2730927 RIGHT OF USE LIABILITY 1079515 UNCLAIMED FUNDS LIABILITY 37123 4092835 20622035 19865 19865 20602170 20602170 21600843 21600843 21600843 true A-1 COMMUNITY HOUSING SERVICE 22693 HESPERIAN BLVD STE 150 HAYWARD CA 94541 811791167 685500 0 HOUSING COUNSELING & EDUCATION ASIAN INC 1167 MISSION ST 4TH FLOOR SAN FRANCISCO CA 94103 941753170 224092 0 HOUSING COUNSELING & EDUCATION BUILDERS OF HOPE 603 MUNGER AVE DALLAS TX 75202 9106 0 HOUSING COUNSELING & EDUCATION CAROLYN E WYLIE CENTER 4164 BROCKTON AVE RIVERSIDE CA 92501 128789 0 HOUSING COUNSELING & EDUCATION COMM HOUSING COUN OF FRESNO 2560 W SHAW LN 101 FRESNO CA 93711 113686123 295994 0 HOUSING COUNSELING & EDUCATION CONSUMER DEBT COUNSELORS 831 W MORSE BLVD WINTER PARK FL 32789 118112 0 HOUSING COUNSELING & EDUCATION COOPERATIVE FCU 401 SOUTH AVE SYRACUSE NY 13204 25964 0 HOUSING COUNSELING & EDUCATION CREDITORG 1450 IOWA AVE STE 200 RIVERSIDE CA 92507 330656671 931500 0 HOUSING COUNSELING & EDUCATION DBA URBAN UPBOUND 12-11 40TH AVENUE LONG ISLAND NY 11101 861096987 9262 0 HOUSING COUNSELING & EDUCATION DEBT MGMT CREDIT COUN CORP 1100 SOUTH POWERLINE RD 101 DEERFIELD BEACH FL 33442 650923483 94918 0 HOUSING COUNSELING & EDUCATION FAIR HOUSING FOUNDATION 1855 W KATELLA AVE 355 ORANGE CA 92867 20250 0 HOUSING COUNSELING & EDUCATION FRAMEWORKS COMM DEV CORP 2200 E MARTIN LUTHER KING JR AUSTIN TX 78722 562492634 56369 0 HOUSING COUNSELING & EDUCATION GECU 6801 VISCOUNT BLVD EL PASO TX 79925 740650998 87984 0 HOUSING COUNSELING & EDUCATION GREAT LAKES CREDIT UNION PO BOX 1289 BANNOCKBURN IL 60015 361163912 98130 0 HOUSING COUNSELING & EDUCATION GREENPATH FINANCIAL WELLNESS 36500 CORPORATE DR FARMINGTON HILL MI 48331 386142925 1124250 0 HOUSING COUNSELING & EDUCATION HOMEOWNERSHIP OC 23771 FORMELLO LAGUNA HILLS CA 92653 247500 0 HOUSING COUNSELING & EDUCATION HREBA 10104 103 AVE NW 1500 EDMONTON ALBERTA CA TSJ 0HI 15115 0 HOUSING COUNSELING & EDUCATION INLAND EMPIRE RESOURCE CENTER 325 W HOSPITALITY LN SAN BERNADINO CA 92408 546750 0 HOUSING COUNSELING & EDUCATION INLAND FH & MEDIATION BOARD 1500 S HAVEN AVE 100 ONTARIO CA 91761 953639912 141000 0 HOUSING COUNSELING & EDUCATION LUTHERAN SOCIAL SERVICES S CA 999 TOWN AND COUNTRY RD 100 ORANGE CA 92868 952225798 53250 0 HOUSING COUNSELING & EDUCATION MONEY MGMT INTERNATIONAL 12603 SW FREEWAY STE 450 STAFFORD TX 77477 541837741 1151250 0 HOUSING COUNSELING & EDUCATION NAVICORE 200 US-9 MANALAPAN TOWN NJ 07726 811695186 1332000 0 HOUSING COUNSELING & EDUCATION NEIGHBORHOOD HS LA COUNTY 3926 WILSHIRE BLVD LOS ANGELES CA 90010 953938955 324750 0 HOUSING COUNSELING & EDUCATION NEIGHBORHOOD HS OF INLAND EMP 1845 BUSINESS CNTR DR S 120 SAN BERNARDINO CA 92408 953571587 342000 0 HOUSING COUNSELING & EDUCATION NEIGHBORHOOD PARTNERSHIP HS 9551 PITTSBURG AVENUE RANCHO CUCAMONG CA 94124 330435536 297750 0 HOUSING COUNSELING & EDUCATION NEIGHBORWORKS ORANGE COUNTY 128 E KATELLA AVE ORANGE CA 92867 953130152 397500 0 HOUSING COUNSELING & EDUCATION NEIGHBORWORKS SACRAMENTO 2411 ALHAMBRA BLVD 200 SACRAMENTO CA 95817 680118032 442500 0 HOUSING COUNSELING & EDUCATION OPPORTUNITIES CREDIT UNION 25 WINOOSKI FALLS WAY NO 203 WINOOSKI VT 40067 030321712 10000 0 HOUSING COUNSELING & EDUCATION PIONEER CREDIT COUNSELING 1644 CONCOURSE DR RAPID CITY SD 57703 460358693 101260 0 HOUSING COUNSELING & EDUCATION PROJECT SENTINEL 1490 EL CAMINO REAL SANTA CLARA CA 95050 770266612 753750 0 HOUSING COUNSELING & EDUCATION SF HOUSING DEVELOPMENT CORP 4439 THIRD STREET SAN FRANCISCO CA 94124 943090854 66750 0 HOUSING COUNSELING & EDUCATION SAN FRANCISCO LGBT CENTER 1800 MARKET ST SAN FRANCISCO CA 94102 943236718 135000 0 HOUSING COUNSELING & EDUCATION SHALOM CENTER 2975 WILSHIRE BLVD 415 LOS ANGELES CA 90010 247500 0 HOUSING COUNSELING & EDUCATION SOUTH SIDE COMMUNITY FCU 5401 SOUTH WENTWORTH AVE 25 CHICAGO IL 60609 061707639 10000 0 HOUSING COUNSELING & EDUCATION TAKE CHARGE AMERICA 20620 NORTH 19TH AVE PHOENIX AZ 85027 860593598 73246 0 HOUSING COUNSELING & EDUCATION VENTURA COUNTY COMM DEV 2231 STURGIS ROAD A OXNARD CA 93030 743061811 285000 0 HOUSING COUNSELING & EDUCATION 23 13 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 316285 12788 329073 DARRELL CHRISTOFF CIO 186711 16713 203424 ENRIQUE C DELGADILLO President & CEO 383645 26504 410149 JEANNINE DALY VP OF MARKETING 134247 20955 155202 LINDA DAVIS VICE-PRES. HOUSING 150232 202 150434 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 2024. 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).