Civic Intelligence

Opportunities Ventures Inc

990 • Fiscal year 2016 • EIN 04-3586244

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

26th percentile

0.00x

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

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Liabilities / Revenue

26th percentile

0.00x

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

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Net Margin

1st percentile

-483%

Higher net margin than 1% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Top Officer Pay

95th percentile

$167,289

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 8011.9% of source-year revenue.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Asset Growth

38th percentile

-1.3%

Faster asset growth than 38% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2015 to 2016

Revenue Growth

51st percentile

3.3%

Faster revenue growth than 51% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets26th percentile

Assets

Down

$750,612

Down $10,077 (-1.3%) from 2015

Net Assets

Down

$750,612

Down $10,077 (-1.3%) from 2015

Liabilities

Flat

$0

Flat from 2015

Revenue And Expenses
Liabilities / Revenue26th percentileNet Margin1st percentile

Revenue

Up

$2,088

Up $66 (+3.3%) from 2015

Expenses

Up

$12,165

Up $9,185 (+308%) from 2015

Net Income

Down

-$10,077

Down $9,119 (-952%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth38th percentile

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

$1.0M$500K$0-$500KAssets 2010: $783,474Liabilities 2010: $0Net Assets 2010: $783,4742010Assets 2011: $780,878Liabilities 2011: $0Net Assets 2011: $780,8782011Assets 2012: $750,835Liabilities 2012: $0Net Assets 2012: $750,8352012Assets 2013: $775,743Liabilities 2013: $0Net Assets 2013: $775,7432013Assets 2014: $761,647Liabilities 2014: $0Net Assets 2014: $761,6472014Assets 2015: $760,689Liabilities 2015: $0Net Assets 2015: $760,6892015Assets 2016: $750,612Liabilities 2016: $0Net Assets 2016: $750,6122016Assets 2017: $746,544Liabilities 2017: $0Net Assets 2017: $746,5442017Assets 2019: $861,150Liabilities 2019: -$220Net Assets 2019: $861,3702019Assets 2020: $718,770Liabilities 2020: $4,664Net Assets 2020: $714,1062020Assets 2021: $737,441Liabilities 2021: $4,753Net Assets 2021: $732,6882021Assets 2022: $874,534Liabilities 2022: $6,347Net Assets 2022: $868,1872022Assets 2023: $870,476Liabilities 2023: $6,569Net Assets 2023: $863,9072023Assets 2024: $878,266Liabilities 2024: $6,568Net Assets 2024: $871,6982024

Highlighted filing

2016

Assets$750,612
Liabilities$0
Net Assets$750,612
Open 2016 Filing

Operations Trend

Revenue Growth51st percentile

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

$200K$100K$0-$100KExpenses 2010: $17,8592010Expenses 2011: $7,5432011Expenses 2012: $41,6322012Revenue 2013: $38,483Expenses 2013: $13,575Net Income 2013: $24,9082013Revenue 2014: $2,117Expenses 2014: $16,214Net Income 2014: -$14,0972014Revenue 2015: $2,022Expenses 2015: $2,980Net Income 2015: -$9582015Revenue 2016: $2,088Expenses 2016: $12,165Net Income 2016: -$10,0772016Revenue 2017: $3,415Expenses 2017: $7,483Net Income 2017: -$4,0682017Revenue 2019: $126,645Expenses 2019: $15,200Net Income 2019: $111,4452019Revenue 2020: $37,271Expenses 2020: $81,683Net Income 2020: -$44,4122020Revenue 2021: $32,563Expenses 2021: $5,223Net Income 2021: $27,3402021Revenue 2022: $158,054Expenses 2022: $22,555Net Income 2022: $135,4992022Revenue 2023: $13,901Expenses 2023: $18,181Net Income 2023: -$4,2802023Revenue 2024: $23,710Expenses 2024: $15,919Net Income 2024: $7,7912024

Highlighted filing

2016

Revenue$2,088
Expenses$12,165
Net Income-$10,077
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
$2,088
Mission and Program Overview

Mission

To provide affordable capital & financial services to individuals and organizations with low income.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$760,473$750,406▼ $10,067
Cash and Non-Interest-Bearing Accounts$216$206▼ $10
Total Assets$760,689$750,612▼ $10,077
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Unrestricted Net Assets$760,689$750,612▼ $10,077
Total Net Assets Fund Balance$760,689$750,612▼ $10,077
Total Liabilities and Net Assets / Fund Balance$760,689$750,612▼ $10,077
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleOtherTotal
Erin MetivierTreasurer$69,332$69,332

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
$2,088
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-10,077
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,165
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
Other Expenses$9,681--$9,681
Insurance$1,774--$1,774
Fees for Services Accounting$700--$700
Fees for Services Other$10--$10
Total Functional Expenses$12,165$0$0$12,165
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 ventures, inc. Before being filed.”

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

“Any conflicts of interest would be brought to the board members not involved in the conflict of interest.”

Form 990, Part VI, Section C, Line 19

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

Filing and Contact Details

Filer

Filer Name
Opportunities Ventures Inc
EIN
04-3586244
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
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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 VENTURES, INC. BEFORE BEING FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ANY CONFLICTS OF INTEREST WOULD BE BROUGHT TO THE BOARD MEMBERS NOT INVOLVED IN THE CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BYLAWS AND ARTICLES OF INCORPORATION ARE AVAILABLE ON THE STATE OF VERMONT WEB SITE. FINANCIAL STATEMENT ARE AVAILABLE IF REQUESTED FROM THE SECRETARY OF EACH COMPANY.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
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IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt14984
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt22088
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0LLR PAID TO OCU
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt1LOAN GUARANTEES
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt2INTEREST PAID
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0OPPORTUNITIES CREDIT UNION INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt1OPPORTUNITIES CREDIT UNION INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt2OPPORTUNITIES CREDIT UNION INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0P
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt1D
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt2B
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0VT
IRS990/SubjectToProxyTaxInd00
IRS990/TaxableDistributionsInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0760689
IRS990/TotalAssetsEOYAmt0750612
IRS990/TotalAssetsGrp/BOYAmt0760689
IRS990/TotalAssetsGrp/EOYAmt0750612
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt012165
IRS990/TotalFunctionalExpensesGrp/TotalAmt012165
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0760689
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0750612
IRS990/TotalOtherCompensationAmt018172
IRS990/TotalProgramServiceExpensesAmt012165
IRS990/TotalProgramServiceRevenueAmt02088
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02088
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02088
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0760689
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0750612
IRS990/TotReportableCompRltdOrgAmt0218449
IRS990/TrnsfrExmptNonChrtblRltdOrgInd01
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0760689
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0750612
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt025 WINOOSKI FALLS WAY NO 203
IRS990/USAddress/CityNm0WINOOSKI
IRS990/USAddress/StateAbbreviationCd0VT
IRS990/USAddress/ZIPCd0054040067
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHERYL FATNASSI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08026544540
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-10-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0OPPORTUNITIES VENTURES INC
ReturnHeader/Filer/BusinessNameControlTxt0OPPO
ReturnHeader/Filer/EIN0043586244
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0F0762F06199A07E132F7E632A817E1E2BB8FF392
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId008BD95975EB58B2C23AD885BD3BD1DECCAEA3190
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0108.171.131.189
ReturnHeader/FilingSecurityInformation/IPDt02017-10-23
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm010:31:33
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0420714325
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RSM US 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/ReturnTs02017-11-09T16:03:45-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$750,612
Liabilities
$0
Net assets
$750,612
Revenue
$2,088
Expenses
$12,165
Net income
-$10,077
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.78$0.07$8.72$0.24$0.16$0.08
2023Detailed filing. Detailed filing data is available for this year.$8.70$0.07$8.64$0.14$0.18$0.04
2022Detailed filing. Detailed filing data is available for this year.$8.75$0.06$8.68$1.58$0.23$1.35
2021Detailed filing. Detailed filing data is available for this year.$7.37$0.05$7.33$0.33$0.05$0.27
2020Detailed filing. Detailed filing data is available for this year.$7.19$0.05$7.14$0.37$0.82$0.44
2019Detailed filing. Detailed filing data is available for this year.$8.61$0.00$8.61$1.27$0.15$1.11
2017Detailed filing. Detailed filing data is available for this year.$7.47$0.00$7.47$0.03$0.07$0.04
2016Detailed filing. Detailed filing data is available for this year.$7.51$0.00$7.51$0.02$0.12$0.10
2015Detailed filing. Detailed filing data is available for this year.$7.61$0.00$7.61$0.02$0.03$0.01
2014Detailed filing. Detailed filing data is available for this year.$7.62$0.00$7.62$0.02$0.16$0.14
2013Detailed filing. Detailed filing data is available for this year.$7.76$0.00$7.76$0.38$0.14$0.25
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.51$0.00$7.51$0.42
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.81$0.00$7.81$0.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.83$0.00$7.83$0.18