CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE (EIN 941688163) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1969

Legal Domicile

Principal Officer

ENRIQUE C DELGADILLO

Phone

8007777526

Tax Period

2023-01-01 to 2023-12-31

CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE, founded in 1969, is a mid-sized nonprofit in the Human Services sector that reported $20.9M in total revenue in fiscal year 2023. Revenue decreased 8% compared to the prior year. Expenses of $19.2M left a modest 8% surplus.

Mission

WE WILL HELP INDIVIDUALS AND FAMILIES NATIONWIDE OVERCOME OBSTACLES AND BREAK THE CYCLE OF POVERTY THROUGH COMPREHENSIVE FINANCIAL AND HOUSING COUNSELING AND EDUCATION.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $2,727,693

Program Service Revenue $17,974,955

Investment Income $159,571

Other Revenue $0

TOTAL REVENUE $20,862,219

Expense Breakdown

Grants Paid $9,908,459

Salaries & Benefits $5,996,847

Fundraising Expenses $0

Program Expenses $16,453,958

Other Expenses $3,322,759

TOTAL EXPENSES $19,228,065

Year-over-Year Comparison

	2023	2022	Change
Revenue	$20,862,219	$22,603,246	-0.1%
Expenses	$19,228,065	$20,713,837	-0.1%
Net Income	$1,634,154	$1,889,409	-0.1%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$695,673

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ENRIQUE C DELGADILLO	President & CEO	40.00	Officer	$239,211	$22,976	$262,187
TINA COTA	CFO	40.00		$189,071	$40,731	$229,802
DARRELL CHRISTOFF	CIO	40.00	Officer	$200,331	$19,676	$220,007
CYNTHIA CAMPBELL	COO	40.00	Officer	$200,184	$13,295	$213,479
LINDA DAVIS	VICE-PRES. HOUSING	40.00		$139,140	$264	$139,404
THOMAS LAYMAN	Chairman	2.00	Officer Director	$0	$0	$0
MICHAEL COVERT	Director	2.00	Director	$0	$0	$0
JAMES HOFFMAN	INTER TREASURER	2.00	Director	$0	$0	$0
MELYSSA BARRETT	VICE CHAIR	2.00	Officer Director	$0	$0	$0
NANCY BIRENBAUM	Director	2.00	Director	$0	$0	$0
JOANN DUNAWAY	Director	2.00	Director	$0	$0	$0
TRISTRAM S COFFIN	Secretary	2.00	Officer Director	$0	$0	$0
KIMBERLY RANGE	Director	2.00	Director	$0	$0	$0
DARREN ALBERT	Director	2.00	Director	$0	$0	$0
RUBEN SANCHEZ	Director	2.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$20,862,219	$19,228,065	$14,755,923	$1,634,154
2022	$22,603,246	$20,713,837	$15,046,991	$1,889,409
2021	$17,336,495	$17,501,332	$9,996,299	$-164,837
2020	$9,784,566	$11,956,667	$9,431,985	$-2,172,101
2019	$8,830,882	$9,887,932	$8,872,321	$-1,057,050
2018	$7,647,861	$9,389,104	$10,963,483	$-1,741,243

CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE