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

501(c)(3) charity; gifts are tax-deductible.
84¢ of each $1 spent went to programs.
$86K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

Before you give

FY2020 · 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
84%
of spending
Looks good: 84% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$86K
to officers and key staff · 9% of spending
Looks good: pay to officers and key staff is 9% of spending; 15% or less.
Pt VII · Sec A
8 mo
of spending, in cash
Looks good: 7.8 months of spending in cash; 3 or more.
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
$157K
16% of total assets
Looks good: liabilities are 16% of assets; 50% or less.
Pt X · Ln 26
Independent board members
5
of 5 voting members
Looks good: 5 of 5 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$1.4M
+116% vs prior year
Spent
$999K
To programs
84%
Net assets
$854K
By yearFY2019–FY2024
Revenue
$1.4M
FY2020▲ +116%
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
$999K
FY2020▲ +24%
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
$854K
FY2020▲ +79%
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 FY2020 Form 990 · figures checked against the IRS filing · see the original

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You’re viewing the FY2020 filing — not the latest on file. See the latest (FY2024) →

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

84 cents of each dollar spent went to programs.

Program services 84% · $836K Management & general 11% · $114K Fundraising 5% · $50K

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

6 people listed on the 990; $86K paid to officers and key staff.

Part VII, Section A · reportable compensation
Executive Director
$85,856Pt VII · Sec A
Fund Development
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$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 · $684K · in their own filed words · FY2020
01

Employment Coaching Program

CCL'S 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…

$275Kprogram expense
02

Housing Coaching Program

CCL'S housing coaching program works to support participants as they work to obtain safe and affordable housing. To that end, CCL provides hud certified housing counseling.

$243Kprogram expense
03

Financial Coaching Program

CCL'S 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…

$166Kprogram 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 FY2020 990, line by line.

1The main four
Money inPt VIII
$1.4M
Ln 12
Gifts and grantsLn 1h$1.3M
Fees for servicesLn 2g$32K
Investment incomeLn 3$123
Money outPt IX
$999K
Ln 25
Programscol B$836K
Managementcol C$114K
Fundraisingcol D$50K
Owns and owesPt X
$854K
net assets · Ln 32
Cash and savingsLn 1–2$649K
Total assetsLn 16$1.0M
LiabilitiesLn 26$157K
PeoplePt VI, VII
6
listed · VII A
PaidVII A1
Voting boardVI 1a5
IndependentVI 1b5
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$1.3M
Government grantsLn 1e$559K
Fees for servicesLn 2g$32K
Investment incomeLn 3$123
Other incomeLn 4–11$110
Total revenueLn 12$1.4M
Assets in detailPt X, end of year
CashLn 1$649K
Cash and savings togetherLn 1–2$649K
Land, buildings, equipmentLn 10c$4K
Other assetsLn 15$5K
Total assetsLn 16$1.0M
LiabilitiesLn 26$157K
Net assetsLn 32$854K
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 FY20End FY20
Cash and savingsLn 1–2$310K$649K
Land, buildings, equipmentLn 10c$9K$4K
Total assetsLn 16$497K$1.0M
LiabilitiesLn 26$21K$157K
Net assetsLn 32$477K$854K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$86K$64K$13K$9K
Other salaries and wagesLn 7$555K$464K$59K$32K
Other employee benefitsLn 9$71K$64K$7K$586
Payroll taxesLn 10$50K$44K$3K$3K
Accounting feesLn 11c$22K$22K$157
Other fees for servicesLn 11g$37K$23K$14K
Advertising and promotionLn 12$1K$1K$81
Office expensesLn 13$13K$13K
Information technologyLn 14$28K$28K
OccupancyLn 16$46K$39K$2K$5K
TravelLn 17$188$38$124$26
Conferences, conventions and meetingsLn 19$249$249
InterestLn 20$2$2
Depreciation, depletion and amortizationLn 22$4K$4K
InsuranceLn 23$8K$8K
Other expenses (24a–d)Ln 24$76K$72K$4K$85
All other expensesLn 24e$4K$20$4K$491
Total functional expensesLn 25$999K$836K$114K$50K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest $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 Viewing $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 FY2020 990 (6 parts)
Part I · Summary $1,376,428 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $640,507$1,344,591
I-9 Program service revenuePrior year $10,193$31,604
I-10 Investment incomePrior year $109$123
I-11 Other revenuePrior year −$14,109$110
I-12 Total revenuePrior year $636,700$1,376,428
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $559,256$761,289
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $247,993$237,808
I-18 Total expensesPrior year $807,249$999,097
I-19 Revenue less expensesPrior year −$170,549$377,331
Part VI · Governance 5 of 5 board members independent, no flags
VI-1a Voting members of the governing body5
VI-1b Independent voting members5
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 $1,376,428 across 7 lines filed
VIII-1e Government grants$558,697
VIII-1f All other contributions, gifts and grants$785,894
VIII-1h Total contributions, gifts and grants$1,344,591
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $31,604$31,604
VIII-3 Investment incomeExcluded from tax $123$123
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Excluded from tax $110$110
VIII-12 Total revenueRelated to mission $31,604 · Unrelated business $0 · Excluded from tax $233$1,376,428
Part IX · Statement of functional expenses $999,097 across 17 lines filed
IX-5 Pay of current officers, directors and key staffPrograms $64,392 · Management $12,878 · Fundraising $8,586$85,856
IX-7 Other salaries and wagesPrograms $463,647 · Management $58,688 · Fundraising $32,217$554,552
IX-9 Other employee benefitsPrograms $63,543 · Management $7,164 · Fundraising $586$71,293
IX-10 Payroll taxesPrograms $43,699 · Management $2,901 · Fundraising $2,988$49,588
IX-11c Accounting feesPrograms $21,546 · Management $157$21,703
IX-11g Other fees for servicesPrograms $23,160 · Management $13,696$36,856
IX-12 Advertising and promotionPrograms $1,213 · Management $81$1,294
IX-13 Office expensesPrograms $12,670$12,670
IX-14 Information technologyPrograms $27,515$27,515
IX-16 OccupancyPrograms $38,686 · Management $2,276 · Fundraising $4,551$45,513
IX-17 TravelPrograms $38 · Management $124 · Fundraising $26$188
IX-19 Conferences, conventions and meetingsManagement $249$249
IX-20 InterestManagement $2$2
IX-22 Depreciation, depletion and amortizationPrograms $4,099$4,099
IX-23 InsuranceManagement $7,627$7,627
IX-24 Other expenses (24a–d)Programs $71,718 · Management $4,141 · Fundraising $85$75,944
IX-24e All other expensesPrograms $20 · Management $3,637 · Fundraising $491$4,148
IX-25 Total functional expensesPrograms $835,946 · Management $113,621 · Fundraising $49,530$999,097
Part X · Balance sheet $1,011,199 assets, 15 lines filed
X-1 Cash, non-interest-bearingStart of year $309,895$648,679
X-3 Pledges and grants receivableStart of year $152,280$327,092
X-9 Prepaid expenses and deferred chargesStart of year $21,525$25,974
X-10c Land, buildings and equipment, netStart of year $8,560$4,461
X-15 Other assetsStart of year $4,993$4,993
X-16 Total assetsStart of year $497,253$1,011,199
X-17 Accounts payable and accrued expensesStart of year $15,665$56,711
X-19 Deferred revenue$9,487
X-24 Unsecured notes and loans payable$91,047
X-25 Other liabilitiesStart of year $4,965$0
X-26 Total liabilitiesStart of year $20,630$157,245
X-27 Net assets without donor restrictionsStart of year $424,123$658,954
X-28 Net assets with donor restrictionsStart of year $52,500$195,000
X-32 Total net assets or fund balancesStart of year $476,623$853,954
X-33 Total liabilities and net assetsStart of year $497,253$1,011,199
Part XI · Reconciliation of net assets $853,954 net assets at year end
XI-1 Total revenue$1,376,428
XI-2 Total expenses$999,097
XI-3 Revenue less expenses$377,331
XI-4 Net assets at start of year$476,623
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$853,954

Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File

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