Civic Intelligence

Economic Opportunities Fund

EIN 23-2998893 • 501(c)3 • Philadelphia, PA

Profile

The organization provides access to financial services and captial to low income and underserved populations.

2010 Chestnut StreetPhiladelphia, PA 19103

www.worc-pa.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

47th percentile

0.05x

Higher debt load relative to assets than 47% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

86th percentile

0.80x

Higher debt load relative to revenue than 86% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

60th percentile

9.6%

Higher net margin than 60% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

70th percentile

$108,946

Higher top officer pay than 70% of similar nonprofits.

Top officer pay equals 47.3% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

32nd percentile

-2.1%

Faster asset growth than 32% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

2nd percentile

-79%

Faster revenue growth than 2% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets47th percentile

Assets

Down

$3,564,553

Down $77,176 (-2.1%) from 2023

Liabilities

Down

$183,450

Down $99,403 (-35%) from 2023

Net Assets

Up

$3,381,103

Up $22,227 (+0.7%) from 2023

Operations
Liabilities / Revenue86th percentileNet Margin60th percentile

Revenue

Down

$230,345

Down $847,183 (-79%) from 2023

Expenses

Down

$208,118

Down $541,844 (-72%) from 2023

Net Income

Down

$22,227

Down $305,339 (-93%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth32nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $814,624Liabilities 2011: $62,247Net Assets 2011: $752,3772011Assets 2012: $768,427Liabilities 2012: $25,580Net Assets 2012: $742,8472012Assets 2013: $1,202,607Liabilities 2013: $16,065Net Assets 2013: $1,186,5422013Assets 2014: $1,078,324Liabilities 2014: $47,794Net Assets 2014: $1,030,5302014Assets 2015: $1,047,170Liabilities 2015: $35,970Net Assets 2015: $1,011,2002015Assets 2016: $1,372,674Liabilities 2016: $87,921Net Assets 2016: $1,284,7532016Assets 2017: $1,487,776Liabilities 2017: $127,322Net Assets 2017: $1,360,4542017Assets 2018: $1,348,764Liabilities 2018: $63,697Net Assets 2018: $1,285,0672018Assets 2019: $1,304,190Liabilities 2019: $18,931Net Assets 2019: $1,285,2592019Assets 2020: $2,855,372Liabilities 2020: $482,574Net Assets 2020: $2,372,7982020Assets 2021: $3,900,859Liabilities 2021: $633,447Net Assets 2021: $3,267,4122021Assets 2022: $3,199,559Liabilities 2022: $168,249Net Assets 2022: $3,031,3102022Assets 2023: $3,641,729Liabilities 2023: $282,853Net Assets 2023: $3,358,8762023Assets 2024: $3,564,553Liabilities 2024: $183,450Net Assets 2024: $3,381,1032024

Highlighted filing

2024

Assets$3,564,553
Liabilities$183,450
Net Assets$3,381,103
Open 2024 Filing

Operations Trend

Revenue Growth2nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0-$500KRevenue 2011: $93,128Expenses 2011: $284,191Net Income 2011: -$191,0632011Revenue 2012: $306,272Expenses 2012: $315,802Net Income 2012: -$9,5302012Revenue 2013: $734,081Expenses 2013: $290,386Net Income 2013: $443,6952013Revenue 2014: $152,442Expenses 2014: $305,289Net Income 2014: -$152,8472014Revenue 2015: $316,227Expenses 2015: $335,557Net Income 2015: -$19,3302015Revenue 2016: $682,136Expenses 2016: $408,594Net Income 2016: $273,5422016Revenue 2017: $542,260Expenses 2017: $466,559Net Income 2017: $75,7012017Revenue 2018: $320,761Expenses 2018: $396,148Net Income 2018: -$75,3872018Revenue 2019: $392,301Expenses 2019: $392,109Net Income 2019: $1922019Revenue 2020: $1,641,347Expenses 2020: $553,810Net Income 2020: $1,087,5372020Revenue 2021: $1,369,907Expenses 2021: $475,291Net Income 2021: $894,6162021Revenue 2022: $308,534Expenses 2022: $544,636Net Income 2022: -$236,1022022Revenue 2023: $1,077,528Expenses 2023: $749,962Net Income 2023: $327,5662023Revenue 2024: $230,345Expenses 2024: $208,118Net Income 2024: $22,2272024

Highlighted filing

2024

Revenue$230,345
Expenses$208,118
Net Income$22,227
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,564,553
Liabilities
$183,450
Net assets
$3,381,103
Revenue
$230,345
Expenses
$208,118
Net income
$22,227
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.56$0.18$3.38$0.23$0.21$0.02
2023Detailed filing. Detailed filing data is available for this year.$3.64$0.28$3.36$1.08$0.75$0.33
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.20$0.17$3.03$0.31$0.54$0.24
2021Detailed filing. Detailed filing data is available for this year.$3.90$0.63$3.27$1.37$0.48$0.89
2020Detailed filing. Detailed filing data is available for this year.$2.86$0.48$2.37$1.64$0.55$1.09
2019Detailed filing. Detailed filing data is available for this year.$1.30$0.02$1.29$0.39$0.39$0.00
2018Detailed filing. Detailed filing data is available for this year.$1.35$0.06$1.29$0.32$0.40$0.08
2017Detailed filing. Detailed filing data is available for this year.$1.49$0.13$1.36$0.54$0.47$0.08
2016Detailed filing. Detailed filing data is available for this year.$1.37$0.09$1.28$0.68$0.41$0.27
2015Detailed filing. Detailed filing data is available for this year.$1.05$0.04$1.01$0.32$0.34$0.02
2014Summary only. Only limited summary data is available for this year.$1.08$0.05$1.03$0.15$0.31$0.15
2013Summary only. Only limited summary data is available for this year.$1.20$0.02$1.19$0.73$0.29$0.44
2012Summary only. Only limited summary data is available for this year.$0.77$0.03$0.74$0.31$0.32$0.01
2011Summary only. Only limited summary data is available for this year.$0.81$0.06$0.75$0.09$0.28$0.19
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Aug 7, 2025
Return Version
2023v6.0
Gross Receipts
$230,345
Mission and Program Overview

Mission

The organization provides access to financial services and capital to low income and underserved populations.

The organization provides access to financial services and captial to low income and underserved populations.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,889,868$2,309,528▲ $419,660
Other Notes and Loans Receivable, Net$1,268,998$1,044,921▼ $224,077
Cash and Non-Interest-Bearing Accounts$359,128$207,981▼ $151,147
Investments in Publicly Traded Securities$1,108$1,108→ $0
Prepaid Expenses and Deferred Charges$1,015$1,015→ $0
Total Assets$3,641,729$3,564,553▼ $77,176
Other Assets Total$121,612--
Liabilities
Unsecured Notes Loans Payable$100,000$100,000→ $0
Accounts Payable and Accrued Expenses$182,853$61,833▼ $121,020
Other Liabilities-$21,617-
Total Liabilities$282,853$183,450▼ $99,403
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$505,183$1,903,234▲ $1,398,051
Net Assets With Donor Restrictions$2,853,693$1,477,869▼ $1,375,824
Total Net Assets Fund Balance$3,358,876$3,381,103▲ $22,227
Total Liabilities and Net Assets / Fund Balance$3,641,729$3,564,553▼ $77,176
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeOtherTotal
Lynne CutlerPresidentPT$108,946$108,946

Board Members and Trustees

NameTitle
Mary LivingstonDirector
Regina Jean-baptisteDirector
Julia DanzyEx-officio
Deborah RounickSecretary
Barry BraitTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$40,000
Program Service Revenue
$145,342
Investment Income
$45,003
Other Revenue
$0
Change in Net Assets
$22,227

Audited Revenue Reconciliation

Revenue per Audited Statements
$230,345
Total Revenue per Audited Statements
$230,345
Total Revenue per Form 990
$230,345
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$130,325
Salaries, Compensation, and Employee Benefits$77,793
Total Fundraising Expense$2,727
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$51,105$218-$51,323
Other Employee Benefits$13,342--$13,342
Current Officers, Directors, Trustees, and Key Employees$13,128--$13,128
Fees for Services Other$8,954-$2,727$11,681
All Other Expenses$3,529$3,614-$7,143
Other Expenses$7,129--$7,129
Occupancy$2,124$3,559-$5,683
Office Expenses$10$4,471-$4,481
Insurance-$3,075-$3,075
Fees for Services Legal$3,000--$3,000
Fees for Services Accounting$2,297--$2,297
Conferences and Meetings$2,127--$2,127
Interest$2,000--$2,000
Travel$1,103--$1,103
Total Functional Expenses$190,454$14,937$2,727$208,118

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$208,118
Total Expenses per Audited Statements$208,118
Total Expenses per Form 990$208,118
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
Due to Affiliate$21,617
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
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“A copy of the form 990 is provided to the board prior to filing.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors reviews performance and determines compensation for key employees.”

Form 990, Page 6, Part VI, Line 19

“Governing documents are made available to the public upon request.”

Form 990, Part VII

“Officer salaries are paid for by the women's opportunities resource center (worc) and a portion of the salaries are allocated to the economic opportunities fund (eof). For 990 purposes, the related wages are recognized on the officer's schedule as coming from a related organization. On part ix, functional expenses, the allocated portion of officer compensation is recognized on line 5 as it is reported on the consolidated financial statements.”

Filing and Contact Details

Filer

Filer Name
Economic Opportunities Fund
EIN
23-2998893
Phone
2155645500
Address
2010 CHESTNUT STREET, PHILADELPHIA, PA 19103

Signing Officer

Name
Lynne Cutler
Title
President
Phone
2155645500
Signed
2025-08-07

Organization Details

Principal Officer
Lynne Cutler
Formed
1999
Voting Board Members
6
Independent Board Members
6
Employees
0
Volunteers
15

Preparer

Firm
Zelenkofske Axelrod LLC
Address
210 TOLLGATE HILL ROAD, GREENSBURG, PA 15601
Preparer
Jared C Ewing
Phone
7248342151
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 3, Part X

“Eof is exempt from federal income tax under sections 501(1) of the internal revenue code as an organization described in section 501(c)(3), except on net income derived from unrelated business activities. Further, eof annually files a form 990. The organization recognizes and discloses uncertain tax positions in accordance with gaap. As of and during the years ended september 30, 2024 and 2023, the organization did not have a liability for unrecognized tax benefits.”

Raw XML AppendixShowing 400 of 423 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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IRS990/ReportLandBuildingEquipmentInd0false
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt081151
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IRS990ScheduleD/FootnoteTextInd0X
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DUE TO AFFILIATE
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0EOF IS EXEMPT FROM FEDERAL INCOME TAX UNDER SECTIONS 501(1) OF THE INTERNAL REVENUE CODE AS AN ORGANIZATION DESCRIBED IN SECTION 501(C)(3), EXCEPT ON NET INCOME DERIVED FROM UNRELATED BUSINESS ACTIVITIES. FURTHER, EOF ANNUALLY FILES A FORM 990. THE ORGANIZATION RECOGNIZES AND DISCLOSES UNCERTAIN TAX POSITIONS IN ACCORDANCE WITH GAAP. AS OF AND DURING THE YEARS ENDED SEPTEMBER 30, 2024 AND 2023, THE ORGANIZATION DID NOT HAVE A LIABILITY FOR UNRECOGNIZED TAX BENEFITS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A COPY OF THE FORM 990 IS PROVIDED TO THE BOARD PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS REVIEWS PERFORMANCE AND DETERMINES COMPENSATION FOR KEY EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2GOVERNING DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3OFFICER SALARIES ARE PAID FOR BY THE WOMEN'S OPPORTUNITIES RESOURCE CENTER (WORC) AND A PORTION OF THE SALARIES ARE ALLOCATED TO THE ECONOMIC OPPORTUNITIES FUND (EOF). FOR 990 PURPOSES, THE RELATED WAGES ARE RECOGNIZED ON THE OFFICER'S SCHEDULE AS COMING FROM A RELATED ORGANIZATION. ON PART IX, FUNCTIONAL EXPENSES, THE ALLOCATED PORTION OF OFFICER COMPENSATION IS RECOGNIZED ON LINE 5 AS IT IS REPORTED ON THE CONSOLIDATED FINANCIAL STATEMENTS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VII
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IRS990ScheduleR/AssetSaleToOtherOrgInd0false
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IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0232741508
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0PA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0SOCIAL SVC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt07
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt02010 CHESTNUT STREET
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0PHILADELPHIA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0PA
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IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0true
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
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IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0false
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0false
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt013128
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0CONSOLIDATED FIN. STMTS
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0WOMEN'S OPPORTUNITIES RESOURCE
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IRS990/TotalFunctionalExpensesGrp/FundraisingAmt02727
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt014937
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0190454
IRS990/TotalFunctionalExpensesGrp/TotalAmt0208118
IRS990/TotalGrossUBIAmt00
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IRS990/TotalOtherCompensationAmt08387
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IRS990/TotalRevenueGrp/ExclusionAmt045003
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0145342
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0230345
IRS990/TotalVolunteersCnt015
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IRS990/TravelGrp/ProgramServicesAmt01103
IRS990/TravelGrp/TotalAmt01103
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02010 CHESTNUT STREET
IRS990/USAddress/CityNm0PHILADELPHIA
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IRS990/WebsiteAddressTxt0WWW.WORC-PA.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0LYNNE CUTLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02155645500
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-08-07

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