Civic Intelligence

Opportunities Credit Union

990 • Fiscal year 2015 • EIN 03-0321712

Jan 01, 2015 to Dec 31, 2015 • Filed on May 12, 2016

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

44th percentile

0.87x

Higher debt load relative to assets than 44% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

7th percentile

8.34x

Higher debt load relative to revenue than 7% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

80th percentile

15%

Higher net margin than 80% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

64th percentile

$109,984

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 2.9% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

7th percentile

-3.2%

Faster asset growth than 7% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

98th percentile

22%

Faster revenue growth than 98% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets44th percentile

Assets

Down

$36,497,082

Down $1,188,725 (-3.2%) from 2014

Net Assets

Up

$4,635,370

Up $574,324 (+14%) from 2014

Liabilities

Down

$31,861,712

Down $1,763,049 (-5.2%) from 2014

Revenue And Expenses
Liabilities / Revenue7th percentileNet Margin80th percentile

Revenue

Up

$3,819,882

Up $687,272 (+22%) from 2014

Expenses

Up

$3,245,558

Up $458,413 (+16%) from 2014

Net Income

Up

$574,324

Up $228,859 (+66%) from 2014

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

2015

Assets$36,497,082
Liabilities$31,861,712
Net Assets$4,635,370
Open 2015 Filing

Operations Trend

Revenue Growth98th 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

2015

Revenue$3,819,882
Expenses$3,245,558
Net Income$574,324
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 12, 2016
Return Version
2015v2.1
Gross Receipts
$3,819,882
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$24,181,300$26,649,139▲ $2,467,839
Savings and Temporary Cash Investments$11,454,884$7,862,521▼ $3,592,363
Rtn Earn Endowment Incm Other Fnds$4,061,046$4,635,370▲ $574,324
Cash and Non-Interest-Bearing Accounts$298,656$321,885▲ $23,229
Land, Buildings, and Equipment, Net$269,773$257,821▼ $11,952
Prepaid Expenses and Deferred Charges$116,252$172,750▲ $56,498
Investments Other Securities$50,700$55,100▲ $4,400
Accounts Receivable$48,052$46,832▼ $1,220
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$37,685,807$36,497,082▼ $1,188,725
Other Assets Total$1,266,190$1,131,034▼ $135,156
Liabilities
Other Liabilities$29,653,613$28,383,043▼ $1,270,570
Unsecured Notes Loans Payable$2,391,000$2,390,997▼ $3
Deferred Revenue$1,519,509$987,629▼ $531,880
Accounts Payable and Accrued Expenses$60,639$100,043▲ $39,404
Total Liabilities$33,624,761$31,861,712▼ $1,763,049
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,061,046$4,635,370▲ $574,324
Total Liabilities and Net Assets / Fund Balance$37,685,807$36,497,082▼ $1,188,725

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$177,670$634,839$812,509
Leasehold Improvements$80,151$76,561$156,712
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cheryl FatnassiPresident & CEOFT$102,300$7,684$109,984

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
Glenn Von BernewitzTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,721,359
Program Service Revenue
$1,987,683
Investment Income
$108,414
Other Revenue
$2,426
All Other Contributions
$78,121
Change in Net Assets
$574,324

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,819,882
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$3,819,882
Total Revenue per Form 990
$3,819,882
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,810,756
Salaries, Compensation, and Employee Benefits$1,434,802
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,138,691
All Other Expenses---$241,106
Fees for Services Other---$164,371
Advertising---$162,000
Other Employee Benefits---$157,424
Occupancy---$149,657
Office Expenses---$121,996
Payroll Taxes---$112,507
Other Expenses---$107,051
Depreciation Depletion---$76,236
Interest---$66,394
Conferences and Meetings---$39,514
Fees for Services Accounting---$31,088
Pension Plan Contributions---$26,180
Insurance---$22,762
Travel---$22,723
Total Functional Expenses$0$0$0$3,245,558

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,245,558
Total Expenses per Audited Statements$3,245,558
Total Expenses per Form 990$3,245,558
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$17,465,622
Non-members Share Accounts$10,913,034
Accrued Interest and Dividends Payable$4,387
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
Yes
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

“Ceo and sr. Finance/hr manager review all of the financial pages against the cu's income statement and balance sheet and all of the questions and other information throughout all schedules for accuracy. Any issues are documented in writing to rsm prior to signing off on the final versions to be filed with the irs.”

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

“The board reviews the policy or updated policy annually and each board member signs off that they have read and understood it.”

Form 990, Part VI, Section B, Line 15

“The executive committee of the board reviews and make decisions on the ceo compensation decisions which are approved by the full board annually along with the ceo's annual performance review. The ceo works with the finance manager and hr committee to set compensation for all other positions using market information for similar positions and also internal comparisons against similar positions.”

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
2016-05-12
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
22
Volunteers
24

Preparer

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

Additional Explanations

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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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/OtherEmployeeBenefitsGrp/TotalAmt0157424
IRS990/OtherExpensesGrp/Desc0OPERATING FEE EXPENSE
IRS990/OtherExpensesGrp/Desc1DIVIDENDS PAID TO NON-M
IRS990/OtherExpensesGrp/Desc2ATM PROGRAM EXPENSE
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0349661
IRS990/OtherExpensesGrp/TotalAmt1135062
IRS990/OtherExpensesGrp/TotalAmt2121135
IRS990/OtherExpensesGrp/TotalAmt3107051
IRS990/OtherLiabilitiesGrp/BOYAmt029653613
IRS990/OtherLiabilitiesGrp/EOYAmt028383043
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0MISC OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02426
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02426
IRS990/OtherRevenueTotalAmt02426
IRS990/OtherSalariesAndWagesGrp/TotalAmt01138691
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt024181300
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt026649139
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0112507
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt026180
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0116252
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0172750
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/RelatedOrExemptFuncIncomeAmt01262081
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1279492
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2227052
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3196616
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01262081
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1281767
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2247219
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3196616
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt02275
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt120167
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt01083983
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0147323
IRS990/PYOtherExpensesAmt01498835
IRS990/PYOtherRevenueAmt02845
IRS990/PYProgramServiceRevenueAmt01898459
IRS990/PYRevenuesLessExpensesAmt0345465
IRS990/PYSalariesCompEmpBnftPaidAmt01288310
IRS990/PYTotalExpensesAmt02787145
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03132610
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0574324
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04061046
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04635370
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011454884
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07862521
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/AdditionsDuringYearAmt0183186
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BeginningBalanceAmt0571922
IRS990ScheduleD/BuildingsGrp/BookValueAmt0177670
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0634839
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0812509
IRS990ScheduleD/EndingBalanceAmt0755108
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03245558
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt080151
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt076561
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0156712
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt017465622
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt110913034
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt24387
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1NON-MEMBERS SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ACCRUED INTEREST AND DIVIDENDS PAYABLE
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt03819882
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/TotalBookValueLandBuildingsAmt0257821
IRS990ScheduleD/TotalExpensesPerForm990Amt03245558
IRS990ScheduleD/TotalLiabilityAmt028383043
IRS990ScheduleD/TotalRevenuePerForm990Amt03819882
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03819882
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03245558
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/ExplanationTxt2CEO AND SR. FINANCE/HR MANAGER REVIEW ALL OF THE FINANCIAL PAGES AGAINST THE CU'S INCOME STATEMENT AND BALANCE SHEET AND ALL OF THE QUESTIONS AND OTHER INFORMATION THROUGHOUT ALL SCHEDULES FOR ACCURACY. ANY ISSUES ARE DOCUMENTED IN WRITING TO RSM PRIOR TO SIGNING OFF ON THE FINAL VERSIONS TO BE FILED WITH THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD REVIEWS THE POLICY OR UPDATED POLICY ANNUALLY AND EACH BOARD MEMBER SIGNS OFF THAT THEY HAVE READ AND UNDERSTOOD IT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE EXECUTIVE COMMITTEE OF THE BOARD REVIEWS AND MAKE DECISIONS ON THE CEO COMPENSATION DECISIONS WHICH ARE APPROVED BY THE FULL BOARD ANNUALLY ALONG WITH THE CEO'S ANNUAL PERFORMANCE REVIEW. THE CEO WORKS WITH THE FINANCE MANAGER AND HR COMMITTEE TO SET COMPENSATION FOR ALL OTHER POSITIONS USING MARKET INFORMATION FOR SIMILAR POSITIONS AND ALSO INTERNAL COMPARISONS AGAINST SIMILAR POSITIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION MAKES THEIR GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE 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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 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/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd00
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt014617
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt1266736
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0LLR BALANCE
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt1FMV
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0OPPORTUNITIES VENTURES INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt1OPPORTUNITIES INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0E
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/TotalAssetsBOYAmt037685807

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$36,497,082
Liabilities
$31,861,712
Net assets
$4,635,370
Revenue
$3,819,882
Expenses
$3,245,558
Net income
$574,324
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