Civic Intelligence

Opportunities Inc

990 • Fiscal year 2013 • EIN 04-3586239

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 14, 2014

Organization ProfileN/A
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

55th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Liabilities / Revenue

56th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Net Margin

90th percentile

44%

Higher net margin than 90% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Top Officer Pay

98th percentile

$97,117

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 1719.2% of source-year revenue.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Asset Growth

66th percentile

13%

Faster asset growth than 66% of similar nonprofits.

2013 filings • 501(c)3 • <$500k 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 / Assets55th percentile

Assets

Up

$22,043

Up $2,584 (+13%) from 2012

Net Assets

Up

$22,043

Up $2,584 (+13%) from 2012

Liabilities

Flat

$0

Flat from 2012

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin90th percentile

Revenue

$5,649

No earlier filing loaded for comparison.

Expenses

Down

$3,158

Down $1,864 (-37%) from 2012

Net Income

$2,491

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth66th percentile

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

$800K$600K$400K$200K$0Assets 2010: $37,334Liabilities 2010: $0Net Assets 2010: $37,3342010Assets 2011: $24,370Liabilities 2011: $0Net Assets 2011: $24,3702011Assets 2012: $19,459Liabilities 2012: $0Net Assets 2012: $19,4592012Assets 2013: $22,043Liabilities 2013: $0Net Assets 2013: $22,0432013Assets 2014: $19,978Liabilities 2014: $0Net Assets 2014: $19,9782014Assets 2015: $279,288Liabilities 2015: $0Net Assets 2015: $279,2882015Assets 2016: $277,513Liabilities 2016: $0Net Assets 2016: $277,5132016Assets 2017: $299,294Liabilities 2017: $0Net Assets 2017: $299,2942017Assets 2022: $729,757Liabilities 2022: $0Net Assets 2022: $729,7572022Assets 2023: $755,545Liabilities 2023: $0Net Assets 2023: $755,5452023Assets 2024: $190,504Liabilities 2024: $0Net Assets 2024: $190,5042024

Highlighted filing

2013

Assets$22,043
Liabilities$0
Net Assets$22,043
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0-$500K-$1.0MExpenses 2010: $9,8252010Expenses 2011: $12,9902011Expenses 2012: $5,0222012Revenue 2013: $5,649Expenses 2013: $3,158Net Income 2013: $2,4912013Revenue 2014: $1,009Expenses 2014: $3,175Net Income 2014: -$2,1662014Revenue 2015: $262,510Expenses 2015: $3,200Net Income 2015: $259,3102015Revenue 2016: $11Expenses 2016: $1,786Net Income 2016: -$1,7752016Revenue 2017: $25,389Expenses 2017: $3,608Net Income 2017: $21,7812017Revenue 2022: $211,517Expenses 2022: $26,850Net Income 2022: $184,6672022Revenue 2023: $52,907Expenses 2023: $27,119Net Income 2023: $25,7882023Revenue 2024: $4,312Expenses 2024: $569,353Net Income 2024: -$565,0412024

Highlighted filing

2013

Revenue$5,649
Expenses$3,158
Net Income$2,491
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 14, 2014
Return Version
2013v3.0
Gross Receipts
$5,649
Mission and Program Overview

Mission

Provide affordable capital & financial services to underserved.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$17,905$21,624▲ $3,719
Cash and Non-Interest-Bearing Accounts$1,554$419▼ $1,135
Total Assets$19,459$22,043▲ $2,584
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Unrestricted Net Assets$19,459$22,043▲ $2,584
Total Net Assets Fund Balance$19,459$22,043▲ $2,584
Total Liabilities and Net Assets / Fund Balance$19,459$22,043▲ $2,584
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleOtherTotal
Cheryl FatnassiPresident$97,117$97,117
Erin MetivierTreasurer$54,961$54,961

Board Members and Trustees

NameTitle
Shanna RatnerVice President
Ellen ShapiroBoard Member
Ellen KaneSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$5,000
Program Service Revenue
$0
Investment Income
$9
Other Revenue
$640
All Other Contributions
$5,000
Change in Net Assets
$2,491
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,158
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Accounting$1,135--$1,135
Other Expenses$610--$610
Total Functional Expenses$3,158$0$0$3,158
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
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
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 B, Line 11

“Form 990 will be reviewed by the chief executive officer of opportunities credit union 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 C, Line 19

“Bylaws and articles of incorporation are available on the state of vermont web site. Financial statements are available if requested from the secretary of each company.”

Filing and Contact Details

Filer

EIN
04-3586239
Phone
8026544540

Signing Officer

Name
Cheryl Fatnassi
Title
President
Phone
8026544540
Signed
2014-04-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cheryl Fatnassi
Formed
2002
Legal Domicile
Vt
Voting Board Members
5
Independent Board Members
5
Employees
0
Volunteers
5

Preparer

Preparer
Daniel W Edwards
Phone
5072886476
Raw XML Appendix352 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 WILL BE REVIEWED BY THE CHIEF EXECUTIVE OFFICER OF OPPORTUNITIES CREDIT UNION BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ANY CONFLICTS OF INTEREST WOULD BE BROUGHT TO THE SUPERVISORY COMMITTEE'S ATTENTION PER POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BYLAWS AND ARTICLES OF INCORPORATION ARE AVAILABLE ON THE STATE OF VERMONT WEB SITE. FINANCIAL STATEMENTS ARE AVAILABLE IF REQUESTED FROM THE SECRETARY OF EACH COMPANY.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt022043
IRS990/TotReportableCompRltdOrgAmt0134585
IRS990/TrnsfrExmptNonChrtblRltdOrgInd01
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt019459
IRS990/UnrestrictedNetAssetsGrp/EOYAmt022043
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1025 WINOOSKI FALLS WAY NO 203
IRS990/USAddress/City0WINOOSKI
IRS990/USAddress/State0VT
IRS990/USAddress/ZIPCode0054040067
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHERYL FATNASSI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08026544540
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10OPPORTUNITIES INC
ReturnHeader/Filer/BusinessNameControlTxt0OPPO
ReturnHeader/Filer/EIN0043586239
ReturnHeader/Filer/PhoneNum08026544540
ReturnHeader/Filer/USAddress/AddressLine1025 WINOOSKI FALLS WAY NO 203
ReturnHeader/Filer/USAddress/City0WINOOSKI
ReturnHeader/Filer/USAddress/State0VT
ReturnHeader/Filer/USAddress/ZIPCode0054040067
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0420714325
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10MCGLADREY LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10310 BROADWAY AVENUE S SUITE 300
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0ROCHESTER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode055904
ReturnHeader/PreparerPersonGrp/PhoneNum05072886476
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DANIEL W EDWARDS
ReturnHeader/ReturnTs02014-04-15T16:32:24-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$22,043
Liabilities
$0
Net assets
$22,043
Revenue
$5,649
Expenses
$3,158
Net income
$2,491
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.91$0.00$1.91$0.04$5.69$5.65
2023Detailed filing. Detailed filing data is available for this year.$7.56$0.00$7.56$0.53$0.27$0.26
2022Detailed filing. Detailed filing data is available for this year.$7.30$0.00$7.30$2.12$0.27$1.85
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.99$0.00$2.99$0.25$0.04$0.22
2016Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$2.78$0.00$2.78$0.00$0.02$0.02
2015Detailed filing. Detailed filing data is available for this year.$2.79$0.00$2.79$2.63$0.03$2.59
2014Detailed filing. Detailed filing data is available for this year.$0.20$0.00$0.20$0.01$0.03$0.02
2013Detailed filing. Detailed filing data is available for this year.$0.22$0.00$0.22$0.06$0.03$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.19$0.00$0.19$0.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.24$0.00$0.24$0.13
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.37$0.00$0.37$0.10