Housing & Shelter
(L80Z)
IRS Verified
DX Registered
990 on File
SPANISH COALITION FOR HOUSING
Financial strength (30%)
75/100
Reliability (20%)
55/100
Effectiveness (25%)
97/100
Impact (25%)
65/100
CharityAI™ Score
Not yet evaluated
Mission Statement
SCH’s mission is to build generational wealth through housing counseling, financial education, and advocacy, by connecting low-to-moderate income households to resources that create housing stability, homeownership, and economic mobility.
Financial Overview — FY 2025
$2.4M
Total Revenue
$2.4M
Total Expenses
$3.5M
Net Assets
28
Employees
Revenue Sources
Expense Breakdown
Program Expense Ratio
86.2%
Fundraising Efficiency
160.5%
Operating Reserve
17.47x
Liability-to-Asset
20.4%
Revenue Diversification
88.9%
Compared with Peers
FY 2025
Compared with 1,101 similar organizations
(United States, Housing & Shelter, $1M–$10M in expenses), FY 2025.
This organization
Middle half of peers (P25–P75)
Peer median
| Ratio | This org | Peer median | Position (P10 → P90) | |
|---|---|---|---|---|
|
Program expense ratio
Program expenses / total expenses
· higher is better
|
86.2% | 86.6% |
P10P90
|
Below median |
|
Admin expense ratio
Management and general / total expenses
· lower is better
|
10.0% | 10.4% |
P10P90
|
Above median |
|
Fundraising expense ratio
Fundraising expenses / total expenses
· lower is better
|
3.8% | 0.0% |
P10P90
|
Bottom quarter |
|
Fundraising efficiency
Fundraising expenses / gross fundraising income
· lower is better
|
160.5% | 234.8% |
P10P90
|
Above median |
|
Operating reserve
Months of expenses covered by net assets
· higher is better
|
17.5 mo | 13.6 mo |
P10P90
|
Above median |
|
Liabilities to assets
Total liabilities / total assets
· lower is better
|
20.4% | 30.2% |
P10P90
|
Above median |
|
Revenue concentration
Share of revenue from the largest source
· lower is better
|
88.9% | 88.1% |
P10P90
|
Below median |
|
Revenue growth
Year over year revenue growth
|
-5.1% | 6.3% |
P10P90
|
|
|
Expense growth
Year over year expense growth
|
-3.1% | 5.2% |
P10P90
|
|
|
Surplus margin
Surplus as a share of revenue
|
-0.9% | 4.4% |
P10P90
|
Impact
2 programs| Outcome / Program | People Served | Cost / Service | # Completed | Duration |
|---|---|---|---|---|
| Improved financial literacy, stable/affordable housing, homeownership, generational wealth | 5,500 | $420.00 | — | Per Year |
| Measurable improvement in credit score, decreased debt load, increased savings. | 1,169 | $420.00 | — | Per Year |
Financial History
| Year | Revenue | Expenses | Net Assets | Program % | Staff |
|---|---|---|---|---|---|
| 2025 | $2.4M | $2.4M | $3.5M | 86.2% | 28 |
| 2024 | $2.5M | $2.5M | $3.5M | 88.3% | 25 |
| 2023 | $2.5M | $2.3M | $3.5M | 89.7% | 40 |
| 2022 | $2.0M | $2.0M | $3.3M | 85.2% | 38 |
| 2021 | $2.0M | $2.0M | N/A | — | 36 |
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