Civic Intelligence

Opportunities Inc

990 • Fiscal year 2016 • EIN 04-3586239

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 23, 2017

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

56th percentile

0.00x

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

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Liabilities / Revenue

55th percentile

0.00x

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

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Net Margin

1st percentile

-16136%

Higher net margin than 1% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Top Officer Pay

99th percentile

$167,289

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 1520809.1% of source-year revenue.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Asset Growth

44th percentile

-0.6%

Faster asset growth than 44% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Annualized from 2015 to 2016

Revenue Growth

1st percentile

-100%

Faster revenue growth than 1% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets56th percentile

Assets

Down

$277,513

Down $1,775 (-0.6%) from 2015

Net Assets

Down

$277,513

Down $1,775 (-0.6%) from 2015

Liabilities

Flat

$0

Flat from 2015

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin1st percentile

Revenue

Down

$11

Down $262,499 (-100%) from 2015

Expenses

Down

$1,786

Down $1,414 (-44%) from 2015

Net Income

Down

-$1,775

Down $261,085 (-101%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth44th 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

2016

Assets$277,513
Liabilities$0
Net Assets$277,513
Open 2016 Filing

Operations Trend

Revenue Growth1st 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

2016

Revenue$11
Expenses$1,786
Net Income-$1,775
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 23, 2017
Return Version
2016v3.0
Gross Receipts
$11
Mission and Program Overview

Mission

Provide affordable capital & financial services to underserved.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$278,869$277,104▼ $1,765
Cash and Non-Interest-Bearing Accounts$419$409▼ $10
Total Assets$279,288$277,513▼ $1,775
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Unrestricted Net Assets$279,288$277,513▼ $1,775
Total Net Assets Fund Balance$279,288$277,513▼ $1,775
Total Liabilities and Net Assets / Fund Balance$279,288$277,513▼ $1,775
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleOtherTotal
Erin MetivierTreasurer$69,333$69,333

Board Members and Trustees

NameTitle
Cheryl FatnassiPresident
Shanna RatnerVice President
Ellen KaneBoard Member
Ellen ShapiroSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$11
Other Revenue
$0
Change in Net Assets
$-1,775
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,786
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 Other$1,086--$1,086
Fees for Services Accounting$700--$700
Total Functional Expenses$1,786$0$0$1,786
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 11B

“Form 990 will be reviewed by the chief executive officer of opportunities inc. 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
2017-10-23
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
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 IX, Line 11G

“Bank service charges: program service expenses 11. Management and general expenses 0. Fundraising expenses 0. Total expenses 11. Gilligan fund expense: program service expenses 825. Management and general expenses 0. Fundraising expenses 0. Total expenses 825. Other employee costs: program service expenses 250. Management and general expenses 0. Fundraising expenses 0. Total expenses 250.”

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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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 WILL BE REVIEWED BY THE CHIEF EXECUTIVE OFFICER OF OPPORTUNITIES INC. 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/ExplanationTxt3BANK SERVICE CHARGES: PROGRAM SERVICE EXPENSES 11. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 11. GILLIGAN FUND EXPENSE: PROGRAM SERVICE EXPENSES 825. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 825. OTHER EMPLOYEE COSTS: PROGRAM SERVICE EXPENSES 250. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 250.
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IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransferFromOtherOrgInd00
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IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
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IRS990/TaxableDistributionsInd00
IRS990/TaxablePartyNotificationInd00
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IRS990/TempOrPermanentEndowmentsInd00
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IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
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ReturnHeader/BusinessOfficerGrp/SignatureDt02017-10-23
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ReturnHeader/FilingSecurityInformation/IPTm010:30:58
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0420714325
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0310 BROADWAY AVENUE S SUITE 300
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ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DANIEL W EDWARDS
ReturnHeader/ReturnTs02017-11-09T16:02:21-06:00
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ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$277,513
Liabilities
$0
Net assets
$277,513
Revenue
$11
Expenses
$1,786
Net income
-$1,775
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
2016Detailed filing. Detailed filing data is available for this year.$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