Civic Intelligence

Opportunities Credit Union

990 • Fiscal year 2014 • EIN 03-0321712

Jan 01, 2014 to Dec 31, 2014 • Filed on Jul 27, 2015

Organization ProfileOPPSVT.ORG

View Organization Page

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

(802) 654-4540

Siviq Scores

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

Liabilities / Assets

63rd percentile

0.89x

Higher debt load relative to assets than 63% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

10th percentile

10.73x

Higher debt load relative to revenue than 10% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

68th percentile

11%

Higher net margin than 68% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

64th percentile

$106,821

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

95th percentile

9.7%

Faster asset growth than 95% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

40th percentile

-2.0%

Faster revenue growth than 40% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$37,685,807

Up $3,347,504 (+9.7%) from 2013

Net Assets

Up

$4,061,046

Up $345,465 (+9.3%) from 2013

Liabilities

Up

$33,624,761

Up $3,002,039 (+9.8%) from 2013

Revenue And Expenses
Liabilities / Revenue10th percentileNet Margin68th percentile

Revenue

Down

$3,132,610

Down $63,957 (-2.0%) from 2013

Expenses

Down

$2,787,145

Down $20,786 (-0.7%) from 2013

Net Income

Down

$345,465

Down $43,171 (-11%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth95th 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

2014

Assets$37,685,807
Liabilities$33,624,761
Net Assets$4,061,046
Open 2014 Filing

Operations Trend

Revenue Growth40th percentile

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

2014

Revenue$3,132,610
Expenses$2,787,145
Net Income$345,465
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jul 27, 2015
Return Version
2014v5.0
Gross Receipts
$3,132,610
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$21,294,007$24,181,300▲ $2,887,293
Savings and Temporary Cash Investments$10,693,262$11,454,884▲ $761,622
Rtn Earn Endowment Incm Other Fnds$3,715,581$4,061,046▲ $345,465
Cash and Non-Interest-Bearing Accounts$581,785$298,656▼ $283,129
Land, Buildings, and Equipment, Net$194,247$269,773▲ $75,526
Prepaid Expenses and Deferred Charges$145,636$116,252▼ $29,384
Investments Other Securities$50,700$50,700→ $0
Accounts Receivable$62,821$48,052▼ $14,769
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$34,338,303$37,685,807▲ $3,347,504
Other Assets Total$1,315,845$1,266,190▼ $49,655
Liabilities
Other Liabilities$27,930,665$29,653,613▲ $1,722,948
Unsecured Notes Loans Payable$2,391,000$2,391,000→ $0
Deferred Revenue$256,186$1,519,509▲ $1,263,323
Accounts Payable and Accrued Expenses$44,871$60,639▲ $15,768
Total Liabilities$30,622,722$33,624,761▲ $3,002,039
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,715,581$4,061,046▲ $345,465
Total Liabilities and Net Assets / Fund Balance$34,338,303$37,685,807▲ $3,347,504

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$172,930$630,813$803,743
Leasehold Improvements$96,843$104,011$200,854
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cheryl FatnassiPresident & CEOFT$101,717$5,104$106,821

Board Members and Trustees

NameTitle
Ellen ShapiroChair
Ellen Kane1st Vice Chair
Agnes Cook2nd Vice Chair
Charlie BakerBoard Member
Larry LewackBoard Member
Paul GoldmanBoard Member
Shanna RatnerBoard Member
Jacob BogreSecretary
Russell MooreTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,083,983
Program Service Revenue
$1,898,459
Investment Income
$147,323
Other Revenue
$2,845
All Other Contributions
$39,500
Change in Net Assets
$345,465

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,132,610
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$3,132,610
Total Revenue per Form 990
$3,132,610
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,498,835
Salaries, Compensation, and Employee Benefits$1,288,310
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,066,140
All Other Expenses---$309,376
Occupancy---$137,777
Fees for Services Other---$123,687
Office Expenses---$109,843
Advertising---$107,174
Payroll Taxes---$106,265
Other Employee Benefits---$103,318
Other Expenses---$93,597
Interest---$66,444
Depreciation Depletion---$60,604
Conferences and Meetings---$30,754
Insurance---$23,736
Pension Plan Contributions---$12,587
Total Functional Expenses$0$0$0$2,787,145

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,787,145
Total Expenses per Audited Statements$2,787,145
Total Expenses per Form 990$2,787,145
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$17,377,185
Non-members Share Accounts$12,270,538
Accrued Interest and Dividends Payable$5,890
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

Filer Name
Opportunities Credit Union
EIN
03-0321712
Phone
8026544540
Address
25 WINOOSKI FALLS WAY NO 203, WINOOSKI, VT 05404-0067

Signing Officer

Name
Cheryl Fatnassi
Title
President & CEO
Phone
8026544540
Signed
2015-07-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cheryl Fatnassi
Formed
1989
Legal Domicile
Vt
Voting Board Members
9
Independent Board Members
9
Employees
23
Volunteers
20

Preparer

Firm
Mcgladrey Llp
Address
310 BROADWAY AVENUE S SUITE 300, ROCHESTER, MN 55904
Preparer
Daniel W Edwards
Phone
5072886476
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Loss on mortgage servicing rights 83,134. Operating fee expense 77,175. Dividends paid to members 66,015. Non operating expense 48,931. Provision for loan loss 34,121.”

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.”

Raw XML AppendixShowing 400 of 464 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/OtherExpensesGrp/TotalAmt393597
IRS990/OtherLiabilitiesGrp/BOYAmt027930665
IRS990/OtherLiabilitiesGrp/EOYAmt029653613
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0MISC OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02845
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02845
IRS990/OtherRevenueTotalAmt02845
IRS990/OtherSalariesAndWagesGrp/TotalAmt01066140
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt021294007
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt024181300
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0106265
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt012587
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0145636
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0116252
IRS990/PrincipalOfficerNm0CHERYL FATNASSI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2MEMBER SERVICES FEES
IRS990/ProgramServiceRevenueGrp/Desc3LOAN SERVICING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01220026
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1236393
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2217172
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3205181
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01220026
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1238863
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2234389
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3205181
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt02470
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt117217
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0721606
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0121546
IRS990/PYOtherExpensesAmt01593425
IRS990/PYOtherRevenueAmt0656
IRS990/PYProgramServiceRevenueAmt02352759
IRS990/PYRevenuesLessExpensesAmt0388636
IRS990/PYSalariesCompEmpBnftPaidAmt01214506
IRS990/PYTotalExpensesAmt02807931
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03196567
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0345465
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03715581
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04061046
IRS990/SavingsAndTempCashInvstGrp/BOYAmt010693262
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011454884
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/AdditionsDuringYearAmt0262290
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BeginningBalanceAmt0309632
IRS990ScheduleD/BuildingsGrp/BookValueAmt0172930
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0630813
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0803743
IRS990ScheduleD/EndingBalanceAmt0571922
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02787145
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt096843
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0104011
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0200854
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt017377185
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt112270538
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt25890
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1NON-MEMBERS SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ACCRUED INTEREST AND DIVIDENDS PAYABLE
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt03132610
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/TotalBookValueLandBuildingsAmt0269773
IRS990ScheduleD/TotalExpensesPerForm990Amt02787145
IRS990ScheduleD/TotalLiabilityAmt029653613
IRS990ScheduleD/TotalRevenuePerForm990Amt03132610
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03132610
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02787145
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/ExplanationTxt6LOSS ON MORTGAGE SERVICING RIGHTS 83,134. OPERATING FEE EXPENSE 77,175. DIVIDENDS PAID TO MEMBERS 66,015. NON OPERATING EXPENSE 48,931. PROVISION FOR LOAN LOSS 34,121.
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/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd10
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0OPPORTUNITIES INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt1OPPORTUNITIES 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/AddressLine1Txt025 WINOOSKI FALLS WAY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt125 WINOOSKI FALLS WAY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0WINOOSKI
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm1WINOOSKI
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0VT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd1VT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd005404
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd105404
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd01
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
IRS990ScheduleR/PerformOfServicesByOtherOrgInd01
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd01
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd00
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt011455
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt114610
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0LLR EXPENSE
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt1LLR BALANCE
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0OPPORTUNITIES VENTURES INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt1OPPORTUNITIES VENTURES INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0Q
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt1E
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0VT
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt034338303
IRS990/TotalAssetsEOYAmt037685807
IRS990/TotalAssetsGrp/BOYAmt034338303

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$37,685,807
Liabilities
$33,624,761
Net assets
$4,061,046
Revenue
$3,132,610
Expenses
$2,787,145
Net income
$345,465
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