Civic Intelligence

Opportunities Ventures Inc

990 • Fiscal year 2019 • EIN 04-3586244

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 12, 2020

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

1st percentile

-0.00x

Higher debt load relative to assets than 1% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Liabilities / Revenue

1st percentile

-0.00x

Higher debt load relative to revenue than 1% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Net Margin

98th percentile

88%

Higher net margin than 98% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Top Officer Pay

93rd percentile

$134,485

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 106.2% of source-year revenue.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Asset Growth

60th percentile

7.4%

Faster asset growth than 60% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2017 to 2019

Revenue Growth

98th percentile

509%

Faster revenue growth than 98% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2017 to 2019

Balance Sheet
Liabilities / Assets1st percentile

Assets

Up

$861,150

Up $114,606 (+15%) from 2017

Net Assets

Up

$861,370

Up $114,826 (+15%) from 2017

Liabilities

Down

-$220

Down $220 from 2017

Revenue And Expenses
Liabilities / Revenue1st percentileNet Margin98th percentile

Revenue

Up

$126,645

Up $123,230 (+3608%) from 2017

Expenses

Up

$15,200

Up $7,717 (+103%) from 2017

Net Income

Up

$111,445

Up $115,513 (+2840%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth60th 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

2019

Assets$861,150
Liabilities-$220
Net Assets$861,370
Open 2019 Filing

Operations Trend

Revenue Growth98th 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

2019

Revenue$126,645
Expenses$15,200
Net Income$111,445
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 12, 2020
Return Version
2019v5.1
Gross Receipts
$126,645
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$717,271$444,161▼ $273,110
Accounts Receivable$32,688$0▼ $32,688
Total Assets$749,918$861,150▲ $111,232
Other Assets Total$-41$416,989▲ $417,030
Liabilities
Other Liabilities$0$-20▼ $20
Accounts Payable and Accrued Expenses$0$-200▼ $200
Total Liabilities$0$-220▼ $220
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$749,918$861,370▲ $111,452
Total Net Assets Fund Balance$749,918$861,370▲ $111,452
Total Liabilities and Net Assets / Fund Balance$749,918$861,150▲ $111,232

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$416,989--
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleOtherTotal
Cheryl FatnassiPresident (until 12/31/19)$134,485$134,485
Erin MetivierTreasurer$82,971$82,971
Katharine LaudPresident (as of 9/9/19)$38,759$38,759

Board Members and Trustees

NameTitle
Charles BakerVice President
Shanna RatnerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$126,645
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$111,445
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,200
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$5,873--$5,873
Insurance$1,593--$1,593
Fees for Services Accounting$870--$870
Advertising$500--$500
Total Functional Expenses$15,200$0$0$15,200
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Current Liabilities$-20
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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 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

“The board reviews the conflict of interest which is updated as necessary at least annually. Each board member signs off that they have read and understood it. Any conflicts of interest are then resolved and documented in the board minutes. Any conflicts of interest are identified and reviewed by the board. Board discussion and any required approvals are handled annually at the board meeting after the disclosures have been received.”

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
Katharine Laud
Title
President
Phone
8026544540
Signed
2020-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Katharine Laud
Formed
2002
Legal Domicile
Vt
Voting Board Members
4
Independent Board Members
4
Employees
0
Volunteers
9

Preparer

Firm
Rsm US Llp
Address
310 BROADWAY AVENUE S SUITE 300, ROCHESTER, MN 55904
Preparer
Kacie Mcewen
Phone
5072886476
Raw XML Appendix389 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt00
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0-200
IRS990/AccountsReceivableGrp/BOYAmt032688
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE AFFORDABLE CAPITAL & FINANCIAL SERVICES TO INDIVIDUALS AND ORGANIZATIONS WITH LOW INCOME.
IRS990/AdvertisingGrp/ProgramServicesAmt0500
IRS990/AdvertisingGrp/TotalAmt0500
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0ERIN METIVIER
IRS990/BooksInCareOfDetail/PhoneNum08026544540
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt025 WINOOSKI FALLS WAY
IRS990/BooksInCareOfDetail/USAddress/CityNm0WINOOSKI
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0VT
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0054044540
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt015200
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0126645
IRS990/CYRevenuesLessExpensesAmt0111445
IRS990/CYSalariesCompEmpBnftPaidAmt00
IRS990/CYTotalExpensesAmt015200
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0126645
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0INDEPENDENCE FUND- LOANS TO VERMONTERS WITH DISABILITIES.
IRS990/DescribedInSection501c3Ind01
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt00
IRS990/EngagedInExcessBenefitTransInd00
IRS990/ExpenseAmt015200
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt0870
IRS990/FeesForServicesAccountingGrp/TotalAmt0870
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt041.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt141.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.50
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt09185
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt17460
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/PersonNm0CHERYL FATNASSI
IRS990/Form990PartVIISectionAGrp/PersonNm1ERIN METIVIER
IRS990/Form990PartVIISectionAGrp/PersonNm2KATHARINE LAUD
IRS990/Form990PartVIISectionAGrp/PersonNm3CHARLES BAKER
IRS990/Form990PartVIISectionAGrp/PersonNm4SHANNA RATNER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt0125300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt175511
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt238759
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT (UNTIL 12/31/19)
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2PRESIDENT (AS OF 9/9/19)
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr02002
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt04
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0126645
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt04
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ProgramServicesAmt01593
IRS990/InsuranceGrp/TotalAmt01593
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0VT
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE AFFORDABLE CAPITAL & FINANCIAL SERVICES TO INDIVIDUALS AND ORGANIZATIONS WITH LOW INCOME.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0749918
IRS990/NetAssetsOrFundBalancesEOYAmt0861370
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0749918
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0861370
IRS990/NondeductibleContributionsInd00
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0-41
IRS990/OtherAssetsTotalGrp/EOYAmt0416989
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0LOAN LOSS EXPENSE
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING FEES
IRS990/OtherExpensesGrp/ProgramServicesAmt06364
IRS990/OtherExpensesGrp/ProgramServicesAmt15873
IRS990/OtherExpensesGrp/TotalAmt06364
IRS990/OtherExpensesGrp/TotalAmt15873
IRS990/OtherLiabilitiesGrp/BOYAmt00
IRS990/OtherLiabilitiesGrp/EOYAmt0-20
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0KATHARINE LAUD
IRS990/PriorPeriodAdjustmentsAmt07
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0RECOVERY ON LOAN LOSSE
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc2INTEREST ON DEPOSITS
IRS990/ProgramServiceRevenueGrp/Desc3SALES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0115977
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt16977
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22570
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt31121
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0115977
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt16977
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22570
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31121
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt01843
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt05216
IRS990/PYRevenuesLessExpensesAmt03373
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt01843
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05216
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0111445
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0126645
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0717271
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0444161
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0126645
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt05217
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt03209
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt02088
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt02022
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0139181
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0139181
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0126645
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt05217
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt03209
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt02088
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt02022
IRS990ScheduleA/Total509Grp/TotalAmt0139181
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt00
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0126645
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt05217
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt03209
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt02088
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt02022
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0139181
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0416989
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0LOAN LOSS RESERVE VENTURES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0-20
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER CURRENT LIABILITIES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0416989
IRS990ScheduleD/TotalLiabilityAmt0-20
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 WILL BE REVIEWED BY THE CHIEF EXECUTIVE OFFICER OF OPPORTUNITIES VENTURES, INC. BEFORE BEING FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD REVIEWS THE CONFLICT OF INTEREST WHICH IS UPDATED AS NECESSARY AT LEAST ANNUALLY. EACH BOARD MEMBER SIGNS OFF THAT THEY HAVE READ AND UNDERSTOOD IT. ANY CONFLICTS OF INTEREST ARE THEN RESOLVED AND DOCUMENTED IN THE BOARD MINUTES. ANY CONFLICTS OF INTEREST ARE IDENTIFIED AND REVIEWED BY THE BOARD. BOARD DISCUSSION AND ANY REQUIRED APPROVALS ARE HANDLED ANNUALLY AT THE BOARD MEETING AFTER THE DISCLOSURES HAVE BEEN RECEIVED.
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd11
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd1N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0OPPORTUNITIES CREDIT UNION INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt1OPPORTUNITIES INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0030321712
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN1043586239
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 AFFORDABLE CAPITAL AND FINANCIAL SERVICES TO UNDERSERVED
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0LINE 7
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt025 WINOOSKI FALLS WAY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt125 WINOOSKI FALLS WAY
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/PerformOfServicesByOtherOrgInd01
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd01
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd01
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0VT
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0749918
IRS990/TotalAssetsEOYAmt0861150
IRS990/TotalAssetsGrp/BOYAmt0749918
IRS990/TotalAssetsGrp/EOYAmt0861150
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt015200
IRS990/TotalFunctionalExpensesGrp/TotalAmt015200
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt00
IRS990/TotalLiabilitiesEOYAmt0-220
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt0-220
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0749918
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0861370
IRS990/TotalOtherCompensationAmt016645
IRS990/TotalProgramServiceExpensesAmt015200
IRS990/TotalProgramServiceRevenueAmt0126645
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0126645
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0126645
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0749918
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0861150
IRS990/TotReportableCompRltdOrgAmt0239570
IRS990/TransactionWithControlEntInd00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt025 WINOOSKI FALLS WAY NO 203
IRS990/USAddress/CityNm0WINOOSKI
IRS990/USAddress/StateAbbreviationCd0VT
IRS990/USAddress/ZIPCd0054040067
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02021-01-29 14:40:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KATHARINE LAUD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08026544540
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-11-12
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/AtSubmissionCreationDeviceId0DA39A3EE5E6B4B0D3255BFEF95601890AFD80709
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId003529DF6567CFB0D20C3C8C4F0F8DA9C5BDC3671
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt068.47.31.197
ReturnHeader/FilingSecurityInformation/IPDt02020-11-12
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm014:27:49
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/PreparationDt02020-11-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KACIE MCEWEN
ReturnHeader/ReturnTs02020-11-13T11:07:27-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$861,150
Liabilities
-$220
Net assets
$861,370
Revenue
$126,645
Expenses
$15,200
Net income
$111,445
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