Civic Intelligence

Opportunities Credit Union

990 • Fiscal year 2013 • EIN 03-0321712

Jan 01, 2013 to Dec 31, 2013 • Filed on May 02, 2014

Organization ProfileOPPSVT.ORG

View Organization Page

25 Winooski Falls Way No 203Burlington, VT 05404-0067

(802) 654-4540

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

61st percentile

0.89x

Higher debt load relative to assets than 61% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

9th percentile

9.58x

Higher debt load relative to revenue than 9% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

72nd percentile

12%

Higher net margin than 72% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

52nd percentile

$97,117

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

7th percentile

-5.1%

Faster asset growth than 7% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets61st percentile

Assets

Down

$34,338,303

Down $1,838,525 (-5.1%) from 2012

Net Assets

Up

$3,715,581

Up $780,080 (+27%) from 2012

Liabilities

Down

$30,622,722

Down $2,618,605 (-7.9%) from 2012

Revenue And Expenses
Liabilities / Revenue9th percentileNet Margin72nd percentile

Revenue

$3,196,567

No earlier filing loaded for comparison.

Expenses

Up

$2,807,931

Up $211,012 (+8.1%) from 2012

Net Income

$388,636

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth7th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$80M$60M$40M$20M$0Assets 2010: $33,271,684Liabilities 2010: $31,046,350Net Assets 2010: $2,225,3342010Assets 2011: $32,703,105Liabilities 2011: $30,405,813Net Assets 2011: $2,297,2922011Assets 2012: $36,176,828Liabilities 2012: $33,241,327Net Assets 2012: $2,935,5012012Assets 2013: $34,338,303Liabilities 2013: $30,622,722Net Assets 2013: $3,715,5812013Assets 2014: $37,685,807Liabilities 2014: $33,624,761Net Assets 2014: $4,061,0462014Assets 2015: $36,497,082Liabilities 2015: $31,861,712Net Assets 2015: $4,635,3702015Assets 2016: $37,110,533Liabilities 2016: $32,103,442Net Assets 2016: $5,007,0912016Assets 2017: $36,958,672Liabilities 2017: $31,810,216Net Assets 2017: $5,148,4562017Assets 2018: $38,265,091Liabilities 2018: $32,744,123Net Assets 2018: $5,520,9682018Assets 2019: $43,417,963Liabilities 2019: $37,821,603Net Assets 2019: $5,596,3602019Assets 2020: $53,678,583Liabilities 2020: $48,064,330Net Assets 2020: $5,614,2532020Assets 2021: $59,732,951Liabilities 2021: $53,509,222Net Assets 2021: $6,223,7292021Assets 2022: $63,188,457Liabilities 2022: $56,961,629Net Assets 2022: $6,226,8282022Assets 2023: $65,716,416Liabilities 2023: $59,338,324Net Assets 2023: $6,378,0922023Assets 2024: $64,141,500Liabilities 2024: $57,937,007Net Assets 2024: $6,204,4932024Assets 2025: $0Liabilities 2025: $0Net Assets 2025: $02025

Highlighted filing

2013

Assets$34,338,303
Liabilities$30,622,722
Net Assets$3,715,581
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,659,0522010Expenses 2011: $2,534,4342011Expenses 2012: $2,596,9192012Revenue 2013: $3,196,567Expenses 2013: $2,807,931Net Income 2013: $388,6362013Revenue 2014: $3,132,610Expenses 2014: $2,787,145Net Income 2014: $345,4652014Revenue 2015: $3,819,882Expenses 2015: $3,245,558Net Income 2015: $574,3242015Revenue 2016: $3,723,548Expenses 2016: $3,351,827Net Income 2016: $371,7212016Revenue 2017: $3,009,150Expenses 2017: $2,867,785Net Income 2017: $141,3652017Revenue 2018: $3,292,847Expenses 2018: $2,920,334Net Income 2018: $372,5132018Revenue 2019: $3,362,082Expenses 2019: $3,286,690Net Income 2019: $75,3922019Revenue 2020: $3,370,505Expenses 2020: $3,352,612Net Income 2020: $17,8932020Revenue 2021: $3,891,692Expenses 2021: $3,282,216Net Income 2021: $609,4762021Revenue 2022: $4,637,677Expenses 2022: $4,512,898Net Income 2022: $124,7792022Revenue 2023: $4,515,877Expenses 2023: $4,426,983Net Income 2023: $88,8942023Revenue 2024: $4,537,090Expenses 2024: $4,847,235Net Income 2024: -$310,1452024Revenue 2025: $1,647,308Expenses 2025: $2,147,740Net Income 2025: -$500,4322025

Highlighted filing

2013

Revenue$3,196,567
Expenses$2,807,931
Net Income$388,636
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 2, 2014
Return Version
2013v3.0
Gross Receipts
$3,196,567
Mission and Program Overview

Mission

To build wealth and create economic opportunity by bringing affordable capital and financial services to traditionally underserved populations

Opportunities credit union's mission is to build wealth, community, and opportunity through a fair and affordable financial system.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$23,506,618$21,294,007▼ $2,212,611
Savings and Temporary Cash Investments$10,897,019$10,693,262▼ $203,757
Rtn Earn Endowment Incm Other Fnds$2,935,501$3,715,581▲ $780,080
Cash and Non-Interest-Bearing Accounts$661,929$581,785▼ $80,144
Land, Buildings, and Equipment, Net$259,513$194,247▼ $65,266
Prepaid Expenses and Deferred Charges$402,958$145,636▼ $257,322
Accounts Receivable$89,665$62,821▼ $26,844
Investments Other Securities$127,399$50,700▼ $76,699
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$36,176,828$34,338,303▼ $1,838,525
Other Assets Total$231,727$1,315,845▲ $1,084,118
Liabilities
Other Liabilities$28,566,129$27,930,665▼ $635,464
Unsecured Notes Loans Payable$3,641,000$2,391,000▼ $1,250,000
Deferred Revenue$948,147$256,186▼ $691,961
Accounts Payable and Accrued Expenses$86,051$44,871▼ $41,180
Total Liabilities$33,241,327$30,622,722▼ $2,618,605
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,935,501$3,715,581▲ $780,080
Total Liabilities and Net Assets / Fund Balance$36,176,828$34,338,303▼ $1,838,525

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$109,391$565,284$674,675
Leasehold Improvements$84,856$83,370$168,226
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cheryl FatnassiPresident & CEOFT$88,300$8,817$97,117

Board Members and Trustees

NameTitle
Ellen ShapiroChair
Shanna RatnerPast Chair
Sophia HolderVice Chair & Treasurer
Agnes CookBoard Member
Charlie BakerBoard Member
Doug BoardmanBoard Member
Ellen KaneBoard Member
Larry LewackBoard Member
Paul GoldmanBoard Member
Russell MooreBoard Member
Jacob BogreSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$721,606
Program Service Revenue
$2,352,759
Investment Income
$121,546
Other Revenue
$656
Change in Net Assets
$388,636

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,196,567
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$3,196,567
Total Revenue per Form 990
$3,196,567
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,593,425
Salaries, Compensation, and Employee Benefits$1,214,506
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,002,332
All Other Expenses---$325,876
Occupancy---$137,491
Fees for Services Other---$135,509
Office Expenses---$114,174
Other Expenses---$112,606
Payroll Taxes---$104,112
Other Employee Benefits---$96,820
Interest---$82,156
Depreciation Depletion---$70,712
Advertising---$59,177
Insurance---$21,382
Conferences and Meetings---$19,944
Pension Plan Contributions---$11,242
Total Functional Expenses$0$0$0$2,807,931

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,807,931
Total Expenses per Audited Statements$2,807,931
Total Expenses per Form 990$2,807,931
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Share Accounts$15,311,370
Non-members Share Accounts$12,614,104
Accrued Interest and Dividends Payable$5,191
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Depositors qualifying under the credit union's field of membership are considered members with voting rights for the board of directors.”

Form 990, Part VI, Section A, Line 7A

“The organization has a board of directors that may elect one or more members of the governing body.”

Form 990, Part VI, Section B, Line 11

“The form 990 will be reviewed by the ceo and cfo before it is filed.”

Form 990, Part VI, Section B, Line 12C

“Any conflicts of interest would be brought to the supervisory committee's attention per policy.”

Form 990, Part VI, Section B, Line 15A

“The executive committee reviews the president's salary yearly.”

Form 990, Part VI, Section C, Line 19

“The organization makes their governing documents, conflict of interest policy, and financial statements available to the public upon request.”

Filing and Contact Details

Filer

EIN
03-0321712
Phone
8026544540

Signing Officer

Name
Cheryl Fatnassi
Title
President & CEO
Phone
8026544540
Signed
2014-05-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cheryl Fatnassi
Formed
1989
Legal Domicile
Vt
Voting Board Members
11
Independent Board Members
11
Employees
36
Volunteers
24

Preparer

Preparer
Daniel W Edwards
Phone
5072886476
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Non operating expense: total expenses 94,162. Equipment rental & maintenance: total expenses 86,075. Atm program expense: total expenses 75,159. Dividends paid to members: total expenses 70,480.”

FORM 990, PART XII, LINE 2C:

“The organization's process has not changed.”

Financial Statement Notes

PART X, LINE 2:

“Management annually reviews for uncertain tax positions along with any related interest and penalties and believes that the credit union has no uncertain tax positions that would have a material adverse effect, individually or in the aggregate upon the credit union's statements of financial condition, or the related statements of income, or cash flows.”

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IRS990/OtherExpensesGrp/Desc1DIVIDENDS PAID TO NON-M
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0205310
IRS990/OtherExpensesGrp/TotalAmt1158981
IRS990/OtherExpensesGrp/TotalAmt2150107
IRS990/OtherExpensesGrp/TotalAmt3112606
IRS990/OtherLiabilitiesGrp/BOYAmt028566129
IRS990/OtherLiabilitiesGrp/EOYAmt027930665
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0MISC OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0656
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0656
IRS990/OtherRevenueTotalAmt0656
IRS990/OtherSalariesAndWagesGrp/TotalAmt01002332
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt023506618
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt021294007
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0104112
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt011242
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0402958
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0145636
IRS990/PrincipalOfficerNm0CHERYL FATNASSI
IRS990/PriorPeriodAdjustmentsAmt0391444
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1GAIN ON MSR'S
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3LOAN SERVICING INCOME
IRS990/ProgramServiceRevenueGrp/Desc4MEMBER SERVICES FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01169194
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1398391
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2379527
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3202353
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4187889
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01169194
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1398391
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2381837
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3202353
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4200984
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt02310
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt113095
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0960455
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt06831
IRS990/PYOtherExpensesAmt01411147
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02267842
IRS990/PYRevenuesLessExpensesAmt0638209
IRS990/PYSalariesCompEmpBnftPaidAmt01185772
IRS990/PYTotalExpensesAmt02596919
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03235128
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0388636
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02935501
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03715581
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010897019
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010693262
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/AdditionsDuringYearAmt027275
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BeginningBalanceAmt0282357
IRS990ScheduleD/BuildingsGrp/BookValueAmt0109391
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0565284
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0674675
IRS990ScheduleD/EndingBalanceAmt0309632
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02807931
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt084856
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt083370
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0168226
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt015311370
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt112614104
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt25191
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1NON-MEMBERS SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ACCRUED INTEREST AND DIVIDENDS PAYABLE
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt03196567
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MANAGEMENT ANNUALLY REVIEWS FOR UNCERTAIN TAX POSITIONS ALONG WITH ANY RELATED INTEREST AND PENALTIES AND BELIEVES THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT WOULD HAVE A MATERIAL ADVERSE EFFECT, INDIVIDUALLY OR IN THE AGGREGATE UPON THE CREDIT UNION'S STATEMENTS OF FINANCIAL CONDITION, OR THE RELATED STATEMENTS OF INCOME, OR CASH FLOWS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0194247
IRS990ScheduleD/TotalExpensesPerForm990Amt02807931
IRS990ScheduleD/TotalLiabilityAmt027930665
IRS990ScheduleD/TotalRevenuePerForm990Amt03196567
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03196567
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02807931
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DEPOSITORS QUALIFYING UNDER THE CREDIT UNION'S FIELD OF MEMBERSHIP ARE CONSIDERED MEMBERS WITH VOTING RIGHTS FOR THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS A BOARD OF DIRECTORS THAT MAY ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM 990 WILL BE REVIEWED BY THE CEO AND CFO BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANY CONFLICTS OF INTEREST WOULD BE BROUGHT TO THE SUPERVISORY COMMITTEE'S ATTENTION PER POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE EXECUTIVE COMMITTEE REVIEWS THE PRESIDENT'S SALARY YEARLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION MAKES THEIR GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NON OPERATING EXPENSE: TOTAL EXPENSES 94,162. EQUIPMENT RENTAL & MAINTENANCE: TOTAL EXPENSES 86,075. ATM PROGRAM EXPENSE: TOTAL EXPENSES 75,159. DIVIDENDS PAID TO MEMBERS: TOTAL EXPENSES 70,480.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE ORGANIZATION'S PROCESS HAS NOT CHANGED.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 24E
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2C:
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd01
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd10
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine10OPPORTUNITIES INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine11OPPORTUNITIES VENTURES INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0043586239
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN1043586244
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)(3)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt1501(C)(3)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0VT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd1VT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0PROVIDE AFFORDABLE CAPITAL & FINANCIAL SERVICES TO UNDERSERVED.
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt1PROVIDES REVOLVING LOANS TO QUALIFIED INDIVIDUALS FOR VARIOUS PURPOSES.
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1025 WINOOSKI FALLS WAY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1125 WINOOSKI FALLS WAY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/City0WINOOSKI
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/City1WINOOSKI
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/State0VT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/State1VT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCode005404
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCode105404
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd01
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
IRS990ScheduleR/PerformOfServicesByOtherOrgInd01
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd01
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd00
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt00
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt10
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine10OPPORTUNITIES INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine11OPPORTUNITIES VENTURES INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0Q
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt1Q

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$34,338,303
Liabilities
$30,622,722
Net assets
$3,715,581
Revenue
$3,196,567
Expenses
$2,807,931
Net income
$388,636
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.65$2.15$0.50
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$64.1$57.9$6.20$4.54$4.85$0.31
2023Detailed filing. Detailed filing data is available for this year.$65.7$59.3$6.38$4.52$4.43$0.09
2022Detailed filing. Detailed filing data is available for this year.$63.2$57.0$6.23$4.64$4.51$0.12
2021Detailed filing. Detailed filing data is available for this year.$59.7$53.5$6.22$3.89$3.28$0.61
2020Detailed filing. Detailed filing data is available for this year.$53.7$48.1$5.61$3.37$3.35$0.02
2019Detailed filing. Detailed filing data is available for this year.$43.4$37.8$5.60$3.36$3.29$0.08
2018Detailed filing. Detailed filing data is available for this year.$38.3$32.7$5.52$3.29$2.92$0.37
2017Detailed filing. Detailed filing data is available for this year.$37.0$31.8$5.15$3.01$2.87$0.14
2016Detailed filing. Detailed filing data is available for this year.$37.1$32.1$5.01$3.72$3.35$0.37
2015Detailed filing. Detailed filing data is available for this year.$36.5$31.9$4.64$3.82$3.25$0.57
2014Detailed filing. Detailed filing data is available for this year.$37.7$33.6$4.06$3.13$2.79$0.35
2013Detailed filing. Detailed filing data is available for this year.$34.3$30.6$3.72$3.20$2.81$0.39
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.2$33.2$2.94$2.60
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.7$30.4$2.30$2.53
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.3$31.0$2.23$2.66