Spanish Coalition for Housing

Nonprofit profile at a glance

EIN
237230578
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Chicago, IL, USA
Phone
7732925784
Rating
81
Verdict
STRONG
Rating confidence
Moderate
Sector
Housing Support

Reported finances

Revenue
$2,380,299
Expenses
$2,401,810
Assets
$4,395,960
Liabilities
$898,383

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

11 people listed

Highest reported compensation

  • JOSEPH LOPEZ (EXECUTIVE DI): $119,564 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Sch's mission is to provide comprehensive counseling, education and housing resources necessary for latinos and other low-to-moderate income families in the chicagoland area, develop competence and responsibility in meeting their financial objectives.

What it reported doing in 2025

Housing counseling program pre-purchase counseling- sch prepares prospective first time homebuyers to become mortgage ready. Sch offers both individual and group pre-purchase counseling services, which cover budget preparation, credit history evaluation, loan packaging and other services related to purchasing a home. Foreclosure prevention- sch's foreclosure counseling program connects families with the one-on-one counseling they need to keep their homes and realize housing security. Post-purchase counseling- sch supports existing homeowners with understanding escrow, finding affordable insurance, acessing tax exemptions, applying for energy assistance, building emergency repair funds, developing a seasonal maintenance checklist, and recognizing when and how refinancing is an appropriate course of action. Rental program chicagoland bilingual landlord association (cbla) program- sch helps low- to-moderate income landlords become educated and empowered about their rights and responsibilities as landlords. Primarily used by landlords of small properties, the clients can participate in one-on-one counseling or group workshops aimed at helping them better manage their properties, apply their rights and responsibilites as owners, and provide tenant families with safe, decent and affordable rental unit. Support program liheap energy assiatances program- this program uses a federal pass through grant to help pay a significant part of low income renters' utility costs and needed weatherization repairs that will enable families to stabilize their utility budgets so that they can meet their other basic financial obligations. Homeless prevention, affordable housing location and sustainability counseling- sch works with clients in one-on-one setting to locate affordable rental units and provide counseling and assistance to overcome their challenges in securing a safe and sustainable housing. This program connects individuals with available resources to ease the burden of housing security. Financial literacy program- sch provides workshops and one-on-one counseling that focuses on budget preparation, money management and the importance of financial responsibility includes credit restoration counseling and financial coaching.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and program spending has declined or grown slowly.

Rating breakdown

  • Financial Efficiency: 85
  • Transparency & Controls: 90
  • Accountability: 84
  • Sustainability: 38
  • Growth: 20

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 87.6%; rating input score 88
  • Program expense ratio: 86.2%; rating input score 86
  • Fundraising efficiency: $22.93 raised per $1 spent on fundraising; rating input score 63; 63rd percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
  • Governance controls: 5 of 8 controls in place; rating input score 62
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: -0.9%; rating input score 23; 23rd percentile among comparable filings
  • Total-asset coverage ratio: 1.83; rating input score 55; 55th percentile among comparable filings
  • Liabilities to assets ratio: 0.2; rating input score 35; 35th percentile among comparable filings
  • Officer compensation ratio: 5%; rating input score 57; 57th percentile among comparable filings

Growth

  • Program expense growth: -1.9% per year; rating input score 0; 8th percentile among comparable filings
  • Revenue growth: -2% per year; rating input score 0; 5th percentile among comparable filings
  • Asset growth: 0.7% per year; rating input score 100; 12th percentile among comparable filings

Details

  • Where the money goes: 87.6% of revenue deployed · 86.2% of spending went to programs
  • Governance: 11 of 11 board members independent · 5 of 8 filing controls reported
  • Programs: 2 filed program accomplishments · $2.1M in reported program spending
  • Leadership: top reported pay $120K · 11 people listed
  • Consistency: 28 of 28 current checks pass
  • Schedules: 4 filed schedules
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 1 filed money-flow record
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

Grant-readiness screening is separate from the live rating, not a measure of program quality. Review the source records before making a grant decision.

  • Review — Accountability: Governance controls: 2 of 7 not reported.
  • High — Growth: Program expense growth scored 0/100.
  • High — Growth: Revenue growth scored 0/100.
  • High — Sustainability: Operating margin scored 23/100.
  • Review — Sustainability: Total-asset coverage ratio scored 55/100.
  • Moderate — Sustainability: Liabilities to assets ratio scored 35/100.
  • Review — Sustainability: Officer compensation ratio scored 57/100.
  • High — Grant Readiness: Federal audit findings: this organization reported findings in its latest federal Single Audit.