CONCORD, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)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.
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.
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...
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.
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...
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.
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...
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.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 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% |
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
Sign In| 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 |
| 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 |
Compare CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE with other nonprofits in California and across the country.