Civic Intelligence

Opportunities Inc

990 • Fiscal year 2023 • EIN 04-3586239

Jan 01, 2023 to Dec 31, 2023 • Filed on Nov 11, 2024

Organization ProfileOPPSVT.ORG
25 Winooski Falls Way 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

32nd percentile

0.00x

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

2023 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2023

Liabilities / Revenue

32nd percentile

0.00x

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

2023 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2023

Net Margin

90th percentile

49%

Higher net margin than 90% of similar nonprofits.

2023 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2023

Top Officer Pay

96th percentile

$178,814

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 338.0% of source-year revenue.

2023 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2023

Asset Growth

49th percentile

3.5%

Faster asset growth than 49% of similar nonprofits.

2023 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2022 to 2023

Revenue Growth

2nd percentile

-75%

Faster revenue growth than 2% of similar nonprofits.

2023 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Up

$755,545

Up $25,788 (+3.5%) from 2022

Net Assets

Up

$755,545

Up $25,788 (+3.5%) from 2022

Liabilities

Flat

$0

Flat from 2022

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin90th percentile

Revenue

Down

$52,907

Down $158,610 (-75%) from 2022

Expenses

Up

$27,119

Up $269 (+1.0%) from 2022

Net Income

Down

$25,788

Down $158,879 (-86%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth49th 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

2023

Assets$755,545
Liabilities$0
Net Assets$755,545
Open 2023 Filing

Operations Trend

Revenue Growth2nd 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

2023

Revenue$52,907
Expenses$27,119
Net Income$25,788
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 11, 2024
Return Version
2023v5.1
Gross Receipts
$52,907
Mission and Program Overview

Mission

Provide affordable capital & financial services to underserved.

Provide affordable capital and financial services to underserved members of the community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$729,757$755,545▲ $25,788
Rtn Earn Endowment Incm Other Fnds$729,757$755,545▲ $25,788
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$729,757$755,545▲ $25,788
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$729,757$755,545▲ $25,788
Total Liabilities and Net Assets / Fund Balance$729,757$755,545▲ $25,788
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleOtherTotal
Erin MetivierTreasurer, CFO & COO$125,046$125,046

Board Members and Trustees

NameTitle
Katharine LaudPresident & CEO
Shanna RatnerVice Chair
Glenn Von BernewitzSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$48,000
Program Service Revenue
$0
Investment Income
$4,907
Other Revenue
$0
All Other Contributions
$48,000
Change in Net Assets
$25,788
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$14,114
Other Expenses$13,005
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Orgs$13,709--$13,709
Other Expenses-$6,059-$6,059
Fees for Services Accounting-$6,000-$6,000
Insurance-$946-$946
Grants to Domestic Individuals$405--$405
Total Functional Expenses$14,114$13,005$0$27,119
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Opportunities Credit UnionWinooski, VT501(c)14General Support$13,609
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
No
Business relationship with 35% controlled entity
No
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 A, Line 8B

“Opportunities inc. Does not have committees that may act on behalf of the governing body.”

Form 990, Part VI, Section B, Line 11B

“The form 990 will be reviewed by the chief executive officer of opportunities inc. Before it is filed. A copy of the form 990 will be provided to the board of directors prior to filing with the internal revenue service.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, and unaudited financial statements available to the public upon request in the same time and manner as other disclosures required under internal revenue code section 6104.”

Filing and Contact Details

Filer

Filer Name
Opportunities Inc
EIN
04-3586239
Phone
8026544540
Address
25 WINOOSKI FALLS WAY 203, WINOOSKI, VT 05404-0067

Signing Officer

Name
Erin Metivier
Title
CFO/COO
Phone
8026544540
Signed
2024-11-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Katharine Laud
Formed
1989
Legal Domicile
Vt
Voting Board Members
4
Independent Board Members
2
Employees
0
Volunteers
4

Preparer

Firm
Rsm US Llp
Address
4650 EAST 53RD STREET, DAVENPORT, IA 52807-3479
Preparer
Jenifer L Chase
Phone
5638884000
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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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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt0178814
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0OPPORTUNITIES INC. DOES NOT HAVE COMMITTEES THAT MAY ACT ON BEHALF OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE FORM 990 WILL BE REVIEWED BY THE CHIEF EXECUTIVE OFFICER OF OPPORTUNITIES INC. BEFORE IT IS FILED. A COPY OF THE FORM 990 WILL BE PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND UNAUDITED FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST IN THE SAME TIME AND MANNER AS OTHER DISCLOSURES REQUIRED UNDER INTERNAL REVENUE CODE SECTION 6104.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd01
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd01
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd11
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt0OPPORTUNITIES INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0OPPORTUNITIES CREDIT UNION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt1OPPORTUNITIES VENTURES INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0030321712
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN1043586244
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)(14)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt1501(C)(3)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0VT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd1VT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0PROVIDES BANKING SERVICES TO LOW-INCOME INDIVIDUALS
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt1PROVIDES REVOLVING LOANS TO QUALIFIED INDIVIDUALS FOR VARIOUS PURPOSES
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0LINE 10
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt025 WINOOSKI FALLS WAY SUITE 203
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt125 WINOOSKI FALLS WAY STE 203
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/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd01
IRS990ScheduleR/PaidEmployeesSharingInd01
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd00
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0729757
IRS990/TotalAssetsEOYAmt0755545
IRS990/TotalAssetsGrp/BOYAmt0729757
IRS990/TotalAssetsGrp/EOYAmt0755545
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalContributionsAmt048000
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt013005
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt014114
IRS990/TotalFunctionalExpensesGrp/TotalAmt027119
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0729757
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0755545
IRS990/TotalOtherCompensationAmt026366
IRS990/TotalProgramServiceExpensesAmt014114
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt04907
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt052907
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt04
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0729757
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0755545
IRS990/TotReportableCompRltdOrgAmt0277494
IRS990/TransactionWithControlEntInd01
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt025 WINOOSKI FALLS WAY 203
IRS990/USAddress/CityNm0WINOOSKI
IRS990/USAddress/StateAbbreviationCd0VT
IRS990/USAddress/ZIPCd0054040067
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt02
IRS990/WebsiteAddressTxt0OPPSVT.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02024-10-15 13:58:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ERIN METIVIER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO/COO
ReturnHeader/BusinessOfficerGrp/PhoneNum08026544540
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-11-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0OPPORTUNITIES INC
ReturnHeader/Filer/BusinessNameControlTxt0OPPO
ReturnHeader/Filer/EIN0043586239
ReturnHeader/Filer/PhoneNum08026544540
ReturnHeader/Filer/USAddress/AddressLine1Txt025 WINOOSKI FALLS WAY 203
ReturnHeader/Filer/USAddress/CityNm0WINOOSKI
ReturnHeader/Filer/USAddress/StateAbbreviationCd0VT
ReturnHeader/Filer/USAddress/ZIPCd0054040067
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0420714325
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RSM US LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04650 EAST 53RD STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0DAVENPORT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0528073479
ReturnHeader/PreparerPersonGrp/PhoneNum05638884000
ReturnHeader/PreparerPersonGrp/PreparationDt02024-11-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JENIFER L CHASE
ReturnHeader/ReturnTs02024-11-12T15:23:31-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$755,545
Liabilities
$0
Net assets
$755,545
Revenue
$52,907
Expenses
$27,119
Net income
$25,788
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