Help individuals uncover possibilities, overcome barriers, and realize their potential.

501(c)(3) charity; gifts are tax-deductible.
61¢ of each $1 spent went to programs.
Run by 22 volunteers and 21 employees.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2024 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
3 of 6
filings with a surplus
Average deficit $2K a year · under 1% of revenue · last 6 filings
Worth a look: a surplus in 3 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
61%
of spending
Worth a look: 61% of spending went to programs; under 65%.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$436K
to officers and key staff · 20% of spending
Fine: pay to officers and key staff is 20% of spending; 15% to 20%.
Pt VII · Sec A
2 mo
of spending, in cash
Fine: 1.8 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $20K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$402K
38% of total assets
Looks good: liabilities are 38% of assets; 50% or less.
Pt X · Ln 26
Independent board members
8
of 8 voting members
Looks good: 8 of 8 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$1.9M
+19% vs prior year
Spent
$2.2M
To programs
61%
Net assets
$660K
By yearFY2019–FY2024
Revenue
$1.9M
FY2024▲ +19%
Tap a bar for its year
Revenue by fiscal year
FY2019$637K
FY2020$1.4M
FY2021$1.2M
FY2022$1.3M
FY2023$1.6M
FY2024$1.9M
Expenses
$2.2M
FY2024▲ +20%
Tap a bar for its year
Expenses by fiscal year
FY2019$807K
FY2020$999K
FY2021$932K
FY2022$1.2M
FY2023$1.8M
FY2024$2.2M
Net assets
$660K
FY2024▼ -33%
Tap a bar for its year
Net assets by fiscal year
FY2019$477K
FY2020$854K
FY2021$1.1M
FY2022$1.3M
FY2023$979K
FY2024$660K

From the FY2024 Form 990 · figures checked against the IRS filing · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Sep 1994.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

61 cents of each dollar spent went to programs.

Program services 61% · $1.3M Management & general 29% · $649K Fundraising 10% · $220K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

12 people listed on the 990; $436K paid to officers and key staff.

Part VII, Section A · reportable compensation
$135,505Pt VII · Sec A
Director of Finance and Business Strategy
$109,130Pt VII · Sec A
Senior Director of Program and Operations Strategy
$98,058Pt VII · Sec A
Director of Development & Communications
$93,653Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Board President
$0Pt VII · Sec A
$0Pt VII · Sec A

Juliana Gonzalez-Crussi’s $136K as President & CEO is at the 62nd percentile of top reported officer pay among 2036 $1–10M housing nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 4 named individuals · Part VII

NameFY2024FY2023FY2022FY2021FY2020FY2019
Juliana Gonzalez-Crussi$135,505$137,926$113,376$89,323$85,856$82,456
Nicole Comer$109,130—————
Natalie Zayas$98,058—————
Paula Cripps-Vallejo$93,653—————

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Empowering people to find opportunities, conquer challenges, and achieve their dreams.

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Provided by the organization

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3 programs · $1.0M · in their own filed words · FY2024
01

Employment Coaching Program

CCLS employment preparation and placement program works to support participants as they work to achieve employment in the short-term and career advancement in the long-term. One on one employment coaching includes: job readiness training, digital literacy training, assessment and goal setting, resume and job application assistance, mock…

$350Kprogram expense
02

Outreach

Coaches work with members of the public to connect them to a spectrum of resources. Resources that may include,but are not limited to mainstream public benefits, networking opportunities, products or services or any other needed community support, assistance or resource that moves community members towards goal ATTAINMENT.THE goal of…

$350Kprogram expense
03

Housing Financial Coaching Program

Works to support participants as they work to achieve financial goals. CCL provides one on one and group financial coaching that focus on developing participants financial visions, outcomes, action plans and accountability structures, financial assessment and mobilization and application of resources to the financial action plans…

$341Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · funders on record
Grants received · FY2025
Total grants receivedfrom 1 funder$20K

By the numbers

The FY2024 990, line by line.

1The main four
Money inPt VIII
$1.9M
Ln 12
Gifts and grantsLn 1h$1.8M
Fees for servicesLn 2g$14K
Investment incomeLn 3$726
Money outPt IX
$2.2M
Ln 25
Programscol B$1.3M
Managementcol C$649K
Fundraisingcol D$220K
Owns and owesPt X
$660K
net assets · Ln 32
Cash and savingsLn 1–2$334K
Total assetsLn 16$1.1M
LiabilitiesLn 26$402K
PeoplePt VI, VII
12
listed · VII A
PaidVII A4
Voting boardVI 1a8
IndependentVI 1b8
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$1.8M
Government grantsLn 1e$833K
Fundraising eventsLn 1c$98K
Fees for servicesLn 2g$14K
Investment incomeLn 3$726
Other incomeLn 4–11$200
Total revenueLn 12$1.9M
Assets in detailPt X, end of year
CashLn 1$334K
Cash and savings togetherLn 1–2$334K
Land, buildings, equipmentLn 10c$6K
Other assetsLn 15$187K
Total assetsLn 16$1.1M
LiabilitiesLn 26$402K
Net assetsLn 32$660K
OperationsPt I, VI
EmployeesI 521
VolunteersI 622
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY24End FY24
Cash and savingsLn 1–2$566K$334K
Land, buildings, equipmentLn 10c$0$6K
Total assetsLn 16$1.1M$1.1M
LiabilitiesLn 26$150K$402K
Net assetsLn 32$979K$660K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$489K$298K$142K$49K
Other salaries and wagesLn 7$1.0M$616K$293K$101K
Pension plan contributionsLn 8$29K$18K$8K$3K
Other employee benefitsLn 9$123K$75K$36K$12K
Payroll taxesLn 10$112K$69K$33K$11K
Legal feesLn 11b$5K$3K$2K$531
Accounting feesLn 11c$15K$9K$4K$2K
Other fees for servicesLn 11g$248K$151K$72K$25K
Advertising and promotionLn 12$2K$1K$652$225
Office expensesLn 13$38K$23K$11K$4K
Information technologyLn 14$3K$2K$922$318
OccupancyLn 16$79K$48K$23K$8K
TravelLn 17$10K$6K$3K$1K
Conferences, conventions and meetingsLn 19$6K$4K$2K$622
Depreciation, depletion and amortizationLn 22$1K$0$1K$0
Other expenses (24a–d)Ln 24$40K$18K$19K$3K
Total functional expensesLn 25$2.2M$1.3M$649K$220K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest Viewing $1.9M$2.2M−$346K$660K 990 PDF
FY2023 $1.6M$1.8M−$282K$979K 990 PDF
FY2022 $1.3M$1.2M$116K$1.3M 990 PDF
FY2021 $1.2M$932K$291K$1.1M 990 PDF
FY2020 $1.4M$999K$377K$854K 990 PDF
FY2019 $637K$807K−$171K$477K 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2024 990 (6 parts)
Part I · Summary $1,865,120 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $1,528,262$1,849,769
I-9 Program service revenuePrior year $17,000$14,425
I-10 Investment incomePrior year $1,188$726
I-11 Other revenuePrior year $17,743$200
I-12 Total revenuePrior year $1,564,193$1,865,120
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $1,477,166$1,763,271
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $368,889$447,972
I-18 Total expensesPrior year $1,846,055$2,211,243
I-19 Revenue less expensesPrior year −$281,862−$346,123
Part VI · Governance 8 of 8 board members independent, no flags
VI-1a Voting members of the governing body8
VI-1b Independent voting members8
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $1,865,120 across 9 lines filed
VIII-1c Fundraising events$98,347
VIII-1e Government grants$832,870
VIII-1f All other contributions, gifts and grants$918,552
VIII-1h Total contributions, gifts and grants$1,849,769
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Unrelated business $0 · Excluded from tax $0$14,425
VIII-3 Investment incomeUnrelated business $0 · Excluded from tax $726$726
VIII-8 Net income from fundraising eventsUnrelated business $0 · Excluded from tax $0$0
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $200 · Unrelated business $0 · Excluded from tax $0$200
VIII-12 Total revenueRelated to mission $14,625 · Unrelated business $0 · Excluded from tax $726$1,865,120
Part IX · Statement of functional expenses $2,211,243 across 16 lines filed
IX-5 Pay of current officers, directors and key staffPrograms $298,001 · Management $141,672 · Fundraising $48,853$488,526
IX-7 Other salaries and wagesPrograms $616,187 · Management $292,942 · Fundraising $101,014$1,010,143
IX-8 Pension plan contributionsPrograms $17,697 · Management $8,413 · Fundraising $2,901$29,011
IX-9 Other employee benefitsPrograms $75,158 · Management $35,731 · Fundraising $12,321$123,210
IX-10 Payroll taxesPrograms $68,552 · Management $32,591 · Fundraising $11,238$112,381
IX-11b Legal feesPrograms $3,240 · Management $1,541 · Fundraising $531$5,312
IX-11c Accounting feesPrograms $9,303 · Management $4,422 · Fundraising $1,525$15,250
IX-11g Other fees for servicesPrograms $151,290 · Management $71,925 · Fundraising $24,801$248,016
IX-12 Advertising and promotionPrograms $1,373 · Management $652 · Fundraising $225$2,250
IX-13 Office expensesPrograms $22,952 · Management $10,912 · Fundraising $3,763$37,627
IX-14 Information technologyPrograms $1,938 · Management $922 · Fundraising $318$3,178
IX-16 OccupancyPrograms $47,948 · Management $22,795 · Fundraising $7,860$78,603
IX-17 TravelPrograms $6,190 · Management $2,942 · Fundraising $1,015$10,147
IX-19 Conferences, conventions and meetingsPrograms $3,792 · Management $1,803 · Fundraising $622$6,217
IX-22 Depreciation, depletion and amortizationPrograms $0 · Management $1,123 · Fundraising $0$1,123
IX-24 Other expenses (24a–d)Programs $18,496 · Management $18,728 · Fundraising $3,025$40,249
IX-25 Total functional expensesPrograms $1,342,117 · Management $649,114 · Fundraising $220,012$2,211,243
Part X · Balance sheet $1,061,786 assets, 13 lines filed
X-1 Cash, non-interest-bearingStart of year $566,022$334,245
X-3 Pledges and grants receivableStart of year $472,816$460,558
X-9 Prepaid expenses and deferred chargesStart of year $58,655$73,892
X-10c Land, buildings and equipment, netStart of year $0$5,963
X-15 Other assetsStart of year $31,258$187,128
X-16 Total assetsStart of year $1,128,751$1,061,786
X-17 Accounts payable and accrued expensesStart of year $15,276$159,158
X-19 Deferred revenueStart of year $108,471$58,003
X-25 Other liabilitiesStart of year $25,944$184,356
X-26 Total liabilitiesStart of year $149,691$401,517
X-27 Net assets without donor restrictionsStart of year $969,060$660,269
X-32 Total net assets or fund balancesStart of year $979,060$660,269
X-33 Total liabilities and net assetsStart of year $1,128,751$1,061,786
Part XI · Reconciliation of net assets $660,269 net assets at year end
XI-1 Total revenue$1,865,120
XI-2 Total expenses$2,211,243
XI-3 Revenue less expenses−$346,123
XI-4 Net assets at start of year$979,060
XI-8 Prior period adjustments$27,332
XI-10 Net assets at end of year$660,269

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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