Civic Intelligence

Opportunities Inc

990 • Fiscal year 2014 • EIN 04-3586239

Jan 01, 2014 to Dec 31, 2014 • Filed on Jun 15, 2015

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.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Liabilities / Revenue

55th percentile

0.00x

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

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Net Margin

3rd percentile

-215%

Higher net margin than 3% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Top Officer Pay

98th percentile

$106,821

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 10586.8% of source-year revenue.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

Asset Growth

29th percentile

-9.4%

Faster asset growth than 29% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Annualized from 2013 to 2014

Revenue Growth

3rd percentile

-82%

Faster revenue growth than 3% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets55th percentile

Assets

Down

$19,978

Down $2,065 (-9.4%) from 2013

Net Assets

Down

$19,978

Down $2,065 (-9.4%) from 2013

Liabilities

Flat

$0

Flat from 2013

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin3rd percentile

Revenue

Down

$1,009

Down $4,640 (-82%) from 2013

Expenses

Up

$3,175

Up $17 (+0.5%) from 2013

Net Income

Down

-$2,166

Down $4,657 (-187%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth29th 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

2014

Assets$19,978
Liabilities$0
Net Assets$19,978
Open 2014 Filing

Operations Trend

Revenue Growth3rd percentile

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

2014

Revenue$1,009
Expenses$3,175
Net Income-$2,166
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jun 15, 2015
Return Version
2014v5.0
Gross Receipts
$1,009
Mission and Program Overview

Mission

Provide affordable capital & financial services to underserved.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$21,624$19,559▼ $2,065
Cash and Non-Interest-Bearing Accounts$419$419→ $0
Total Assets$22,043$19,978▼ $2,065
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Unrestricted Net Assets$22,043$19,978▼ $2,065
Total Net Assets Fund Balance$22,043$19,978▼ $2,065
Total Liabilities and Net Assets / Fund Balance$22,043$19,978▼ $2,065
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleOtherTotal
Cheryl FatnassiPresident$106,821$106,821
Erin MetivierTreasurer$56,638$56,638

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$1,000
Program Service Revenue
$0
Investment Income
$9
Other Revenue
$0
All Other Contributions
$1,000
Change in Net Assets
$-2,166
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,175
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$2,700--$2,700
Other Expenses$475--$475
Total Functional Expenses$3,175$0$0$3,175
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 addressed by the board (excluding the board member with the conflict).”

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

Filer Name
Opportunities Inc
EIN
04-3586239
Phone
8026544540
Address
25 WINOOSKI FALLS WAY NO 203, WINOOSKI, VT 05404-0067

Signing Officer

Name
Cheryl Fatnassi
Title
President
Phone
8026544540
Signed
2015-06-15
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

Firm
Mcgladrey Llp
Address
310 BROADWAY AVENUE S SUITE 300, ROCHESTER, MN 55904
Preparer
Daniel W Edwards
Phone
5072886476
Raw XML Appendix334 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 ADDRESSED BY THE BOARD (EXCLUDING THE BOARD MEMBER WITH THE CONFLICT).
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/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHERYL FATNASSI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08026544540
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-06-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0OPPORTUNITIES INC
ReturnHeader/Filer/BusinessNameControlTxt0OPPO
ReturnHeader/Filer/EIN0043586239
ReturnHeader/Filer/PhoneNum08026544540
ReturnHeader/Filer/USAddress/AddressLine1Txt025 WINOOSKI FALLS WAY NO 203
ReturnHeader/Filer/USAddress/CityNm0WINOOSKI
ReturnHeader/Filer/USAddress/StateAbbreviationCd0VT
ReturnHeader/Filer/USAddress/ZIPCd0054040067
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0420714325
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MCGLADREY LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0310 BROADWAY AVENUE S SUITE 300
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ROCHESTER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd055904
ReturnHeader/PreparerPersonGrp/PhoneNum05072886476
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DANIEL W EDWARDS
ReturnHeader/ReturnTs02015-07-13T16:03:37-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$19,978
Liabilities
$0
Net assets
$19,978
Revenue
$1,009
Expenses
$3,175
Net income
-$2,166
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