Civic Intelligence

Accion Opportunity Fund Community Development

990 • Fiscal year 2018 • EIN 31-1719434

Jul 01, 2017 to Jun 30, 2018 • Filed on Feb 14, 2019

Organization ProfileWWW.OPPORTUNITYFUND.ORG

View Organization Page

111 West St John Street No 800San Jose, CA 95113

(408) 297-0204

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

80th percentile

0.74x

Higher debt load relative to assets than 80% of similar nonprofits.

2018 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2018

Liabilities / Revenue

87th percentile

3.13x

Higher debt load relative to revenue than 87% of similar nonprofits.

2018 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2018

Net Margin

13th percentile

-8.4%

Higher net margin than 13% of similar nonprofits.

2018 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2018

Top Officer Pay

16th percentile

$240,487

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 1.0% of source-year revenue.

2018 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2018

Asset Growth

86th percentile

16%

Faster asset growth than 86% of similar nonprofits.

2018 filings • 501(c)3 • $100M-$250M nonprofits • Annualized from 2016 to 2018

Revenue Growth

73rd percentile

14%

Faster revenue growth than 73% of similar nonprofits.

2018 filings • 501(c)3 • $100M-$250M nonprofits • Annualized from 2016 to 2018

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$101,313,439

Up $25,915,098 (+34%) from 2016

Net Assets

Up

$26,413,704

Up $798,237 (+3.1%) from 2016

Liabilities

Up

$74,899,735

Up $25,116,861 (+50%) from 2016

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin13th percentile

Revenue

Up

$23,892,492

Up $5,601,072 (+31%) from 2016

Expenses

Up

$25,900,577

Up $11,816,341 (+84%) from 2016

Net Income

Down

-$2,008,085

Down $6,215,269 (-148%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth86th percentile

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

$300M$200M$100M$0Assets 2012: $45,173,655Liabilities 2012: $33,485,514Net Assets 2012: $11,688,1412012Assets 2013: $30,198,126Liabilities 2013: $17,216,020Net Assets 2013: $12,982,1062013Assets 2015: $50,694,651Liabilities 2015: $29,298,241Net Assets 2015: $21,396,4102015Assets 2016: $75,398,341Liabilities 2016: $49,782,874Net Assets 2016: $25,615,4672016Assets 2018: $101,313,439Liabilities 2018: $74,899,735Net Assets 2018: $26,413,7042018Assets 2019: $120,500,262Liabilities 2019: $94,177,559Net Assets 2019: $26,322,7032019Assets 2020: $131,694,141Liabilities 2020: $95,595,231Net Assets 2020: $36,098,9102020Assets 2021: $200,481,759Liabilities 2021: $148,650,364Net Assets 2021: $51,831,3952021Assets 2022: $197,674,592Liabilities 2022: $123,913,523Net Assets 2022: $73,761,0692022

Highlighted filing

2018

Assets$101,313,439
Liabilities$74,899,735
Net Assets$26,413,704
Open 2018 Filing

Operations Trend

Revenue Growth73rd percentile

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

$60M$40M$20M$0-$20MExpenses 2012: $6,871,0672012Expenses 2013: $7,073,0862013Revenue 2015: $16,366,009Expenses 2015: $10,848,242Net Income 2015: $5,517,7672015Revenue 2016: $18,291,420Expenses 2016: $14,084,236Net Income 2016: $4,207,1842016Revenue 2018: $23,892,492Expenses 2018: $25,900,577Net Income 2018: -$2,008,0852018Revenue 2019: $30,948,868Expenses 2019: $31,063,419Net Income 2019: -$114,5512019Revenue 2020: $45,705,804Expenses 2020: $35,943,453Net Income 2020: $9,762,3512020Revenue 2021: $53,600,614Expenses 2021: $37,865,674Net Income 2021: $15,734,9402021Revenue 2022: $58,948,332Expenses 2022: $36,949,147Net Income 2022: $21,999,1852022

Highlighted filing

2018

Revenue$23,892,492
Expenses$25,900,577
Net Income-$2,008,085
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2017 to Jun 30, 2018
Signed
Feb 14, 2019
Return Version
2017v2.3
Gross Receipts
$24,027,189
Mission and Program Overview

Mission

Opportunity fund mission is to drive economic mobility by delivering affordable capital and responsible financial solutions to determined entrepreneurs and communities.

Opportunity fund mission is to drive economic mobility (see schedule o for continuation) by delivering affordable capital and responsible financial solutions to determined entrepreneurs and communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$51,496,181$73,954,814▲ $22,458,633
Savings and Temporary Cash Investments$6,417,260$9,783,223▲ $3,365,963
Land, Buildings, and Equipment, Net$3,079,798$2,718,284▼ $361,514
Pledges and Grants Receivable$2,488,590$1,240,700▼ $1,247,890
Investments in Publicly Traded Securities$1,189,039$1,162,363▼ $26,676
Prepaid Expenses and Deferred Charges$813,338$725,533▼ $87,805
Accounts Receivable$417,401$627,777▲ $210,376
Investments Other Securities$19,524$22,859▲ $3,335
Total Assets$85,881,826$101,313,439▲ $15,431,613
Other Assets Total$19,960,695$11,077,886▼ $8,882,809
Liabilities
Mortgage Notes Payable Secured by Investment Property$53,149,662$70,783,096▲ $17,633,434
Accounts Payable and Accrued Expenses$3,057,105$3,675,787▲ $618,682
Other Liabilities$1,179,373$440,852▼ $738,521
Deferred Revenue$50,000--
Total Liabilities$57,436,140$74,899,735▲ $17,463,595
Net Assets / Fund Balance
Unrestricted Net Assets$25,756,886$25,449,704▼ $307,182
Temporarily Rstr Net Assets$2,688,800$964,000▼ $1,724,800
Total Net Assets Fund Balance$28,445,686$26,413,704▼ $2,031,982
Total Liabilities and Net Assets / Fund Balance$85,881,826$101,313,439▲ $15,431,613

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$2,657,233$911,924$3,569,157
Equipment$45,944$209,403$255,347
Leasehold Improvements$15,107$151,861$166,968
Other Assets Org$11,077,886--
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eric WeaverFounder & Senior AdvisorFT$209,752$30,735$240,487
Marco Lucioni - to April 2018Executive VP Small BusinessFT$198,922$26,059$224,981
Gwyneth GalbraithChief Development OfficerFT$169,083$31,159$200,242
Ana ThompsonExecutive VP & CFOFT$164,863$34,813$199,676
Rakesh BhatnagarChief Information OfficerFT$189,205$2,576$191,781
Jeff WellsVice-president, Nmtc FundFT$131,429$45,347$176,776
Alexander DangDirector Production PartnershipsFT$124,210$44,097$168,307
Janine GardnerVP Human ResourcesFT$153,097$13,202$166,299
Zuri Ruiz - to Aug 2017President & COOFT$139,815$17,469$157,284
Otxin EchaideDirector Small Business DevelopmentFT$111,935$40,912$152,847
Luz Lopez UrrutiaPresident & CEO - Fr. Sep 2017FT$88,075$6,982$95,057

Board Members and Trustees

NameTitle
Greg AvisChair
Amy Gurley - to April 2018Director
Arthur JohnsonDirector
Brian GrahamDirector
Debra EngelDirector
Dickson ChuDirector
Gina DiazDirector
Joni CropperDirector
Parker HudnutDirector
Sara LeslieDirector
Shelley HarrisonDirector
Todd BakerDirector
Yun-fang JuanDirector
Jim KoshlandSecretary
Michael Rapaport - Fr Jan 2018Senior VP Risk & Operations

Highest Paid Contractors

ContractorServicesLocationCompensation
Next Street Financial LLCOrganizational Corporate Advisory Servic184 DUDLEY STREET SUITE 200, Roxbury, MA 02119$182,000
Heller ConsultingSoftware Implementation1736 FRANKLIN ST SUITE 600, Oakland, CA 94612$116,220
Revenue and Support

Revenue Composition

Contributions and Grants
$6,453,225
Program Service Revenue
$17,487,135
Investment Income
$55,750
Other Revenue
$-103,618
All Other Contributions
$5,101,997
Change in Net Assets
$-2,008,085

Audited Revenue Reconciliation

Revenue per Audited Statements
$23,892,492
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$358,070
Total Revenue per Audited Statements
$24,250,562
Total Revenue per Form 990
$23,892,492
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,855,226
Salaries, Compensation, and Employee Benefits$11,652,296
Total Fundraising Expense$2,167,507
Grants and Similar Amounts Paid$324,936
Professional Fundraising Fees$68,119

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$5,946,979$1,021,046$1,266,445$8,234,470
Interest$2,050,431--$2,050,431
Current Officers, Directors, Trustees, and Key Employees$1,010,965$171,603$68,326$1,250,894
Other Employee Benefits$889,365$151,672$181,944$1,222,981
Fees for Services Other$440,793$452,267$41,669$934,729
Payroll Taxes$503,638$86,149$97,510$687,297
Advertising$612,260$4,862$35,498$652,620
Information Technology$402,942$52,490$106,871$562,303
Occupancy$406,640$56,408$67,887$530,935
Travel$332,464$75,858$55,981$464,303
Depreciation Depletion$337,155$46,769$56,286$440,210
Grants to Domestic Orgs$318,501--$318,501
Office Expenses$193,088$66,147$25,767$285,002
Pension Plan Contributions$187,627$30,085$38,942$256,654
Fees for Services Legal-$153,367-$153,367
Other Expenses$53,139$41,071$17,570$111,780
Fees for Services Accounting-$84,600-$84,600
Conferences and Meetings$43,352$18,844$10,056$72,252
Fees for Services Professional Fundraising--$68,119$68,119
All Other Expenses$35,006$8,567$15,587$59,160
Insurance$41,359$5,737$6,905$54,001
Grants to Domestic Individuals$6,435--$6,435
Total Functional Expenses$21,203,511$2,529,559$2,167,507$25,900,577

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$26,282,544
Expenses per Audited Statements$25,900,577
Total Expenses per Form 990$25,900,577
Expenses Not Reported on Form 990$381,967
Expenses Not Reported on Financial Statements$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Teamworks Development InstituteSunnyvale, CA501(c)(3)Opportunity Was Acting as Fiscal Sponsor for the Teamworks Cooperative. Teamworks Development Institute Took Over the Fiscal Responsibility. of Returned to Tw All Assets It Was Holding.$150,104
Fresno Area Hispanic FoundationFresno, CA501(c)(3)To Have the Resources Required, Contractors, Designers, Marketing or Other Resources to Effectively Follow Up, Close and Support the Technical Assistance Leads That the Ofew Campaign Would Produce.$25,000
Jefferson Economic Development InstituteMount Shasta CA, CA501(c)(3)To Have the Resources Required, Contractors, Designers, Marketing or Other Resources to Effectively Follow Up, Close and Support the Technical Assistance Leads That the Ofew Campaign Would Produce.$25,000
Leadership for Urban Renewal Network IncLos Angeles CA, CA501(c)(3)To Have the Resources Required, Contractors, Designers, Marketing or Other Resources to Effectively Follow Up, Close and Support the Technical Assistance Leads That the Ofew Campaign Would Produce.$25,000
Pacific Community Ventures IncSan Francisco CA, CA501(c)(3)To Have the Resources Required, Contractors, Designers, Marketing or Other Resources to Effectively Follow Up, Close and Support the Technical Assistance Leads That the Ofew Campaign Would Produce.$25,000
Cosmetica Latina Edu IncDowney CA, CA-Receipients of Women Entrepreneur Challenge Grant From the Wurwand Foundation.$10,000
Stepahnie Alves Dba Abl LLCLos Angeles CA, CA-Receipients of Women Entrepreneur Challenge Grant From the Wurwand Foundation.$10,000
World Empanadas IncBurbank CA, CA-Receipients of Women Entrepreneur Challenge Grant From the Wurwand Foundation.$10,000
Marcia Charles Dba Pinky RoseLos Angeles CA, CA-Receipients of Women Entrepreneur Challenge Grant From the Wurwand Foundation.$5,000
Rco IncorporatedCompton CA, CA-Receipients of Women Entrepreneur Challenge Grant From the Wurwand Foundation.$5,000
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
Yes

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$134,528
Professional Fundraising Fees$68,119
Fundraising Gross Income$30,910

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Fall Gala$234,650$17,700$13,976$3,724
Taste of Microfinance - La$77,405$13,210$7,424$5,786
Total Events$312,055$30,910$134,528$-103,618
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
Yes
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Savings Program Match$405,275
Sobrato Family Affordable Housing Fund$35,577
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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, Part VI, Section B, Line 11B

“Opportunity fund audit committee shall have the responsibility for reviewing the organization's form 990 (including all pertinent schedules) before it is filed with the internal revenue service. Once the audit committee has approved the draft form 990, it shall be sent to all members of the board of directors for their review, prior to filing with irs. Once the review period has been duly expired, the form 990 is filed with the irs”

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

“The organization requires each director, principal officer and board members to sign a disclosure statement which affirms they received a copy, read and understand, and comply with the organization's conflict of interest policy.”

Form 990, Part VI, Section B, Line 15A

“The board of directors approve the ceo and presidents compensation and the ceo approves other officers or key employee's compensation using comparabillly and contemporaneous substantiation.”

Form 990, Part VI, Section C, Line 19

“All governing documents, conflict of interest policy, and the financial statements are available upon request in writing to the organization. The form 990 is also available at guidestar.org”

Filing and Contact Details

Filer

Filer Name
Opportunity Fund Community Development
EIN
31-1719434
Phone
4082970204
Address
111 WEST ST JOHN STREET NO 800, SAN JOSE, CA 95113

Signing Officer

Name
Elizabeth Pesch
Title
Executive VP & CFO
Phone
4082970204
Signed
2019-02-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Luz Lopez Urrutia
Formed
1993
Legal Domicile
CA
Voting Board Members
14
Independent Board Members
13
Employees
125
Volunteers
50

Preparer

Firm
Armanino Llp
Address
50 W SAN FERNANDO ST STE 500, SAN JOSE, CA 95113
Preparer
Lawrence S Kuechler
Phone
4082006400
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“The organization evaluates its uncertain tax positions and will recognize a loss contingency when it is probable that a liability has been incurred as of the date of the consolidated financial statements and the amount of the loss can be reasonably estimated. The amount recognized is subject to estimate and management judgement with respect to the likely outcome of each uncertain tax position. The amount that is ultimately sustained for an individual uncertain tax position or for all uncertain tax positions in the aggregate could differ from the amount recognized. As of june 30, 2018, management did not identify any uncertain tax positions. The organization is subject to potential examination by taxing authorities for income tax returns filed in the u.s. Federal jurisdiction and the state of california. The tax years that remain subject to potential examination for the u.s. Federal jurisdiction are years ended june 30, 2015, and forward. The state of california tax jurisdiction is subject to potential examination for years ended june 30, 2014 and forward.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Fundraising event expense 134,528.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Fundraising event expense 134,528.”

Raw XML AppendixShowing 400 of 1,359 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/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2540.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd13X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd14X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1230735
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1517469
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1618813
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1716347
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1826059
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt196982
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt200
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2131159
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2212825
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt232576
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2413202
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2512597
IRS990/Form990PartVIISectionAGrp/PersonNm0DICKSON CHU
IRS990/Form990PartVIISectionAGrp/PersonNm1JIM KOSHLAND
IRS990/Form990PartVIISectionAGrp/PersonNm2AMY GURLEY - TO APRIL 2018
IRS990/Form990PartVIISectionAGrp/PersonNm3SHELLEY HARRISON
IRS990/Form990PartVIISectionAGrp/PersonNm4SARA LESLIE
IRS990/Form990PartVIISectionAGrp/PersonNm5ARTHUR JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm6GINA DIAZ
IRS990/Form990PartVIISectionAGrp/PersonNm7GREG AVIS
IRS990/Form990PartVIISectionAGrp/PersonNm8BRIAN GRAHAM
IRS990/Form990PartVIISectionAGrp/PersonNm9JONI CROPPER
IRS990/Form990PartVIISectionAGrp/PersonNm10YUN-FANG JUAN
IRS990/Form990PartVIISectionAGrp/PersonNm11PARKER HUDNUT
IRS990/Form990PartVIISectionAGrp/PersonNm12ERIC WEAVER
IRS990/Form990PartVIISectionAGrp/PersonNm13TODD BAKER
IRS990/Form990PartVIISectionAGrp/PersonNm14DEBRA ENGEL
IRS990/Form990PartVIISectionAGrp/PersonNm15ZURI RUIZ - TO AUG 2017
IRS990/Form990PartVIISectionAGrp/PersonNm16ANA THOMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm17JEFF WELLS
IRS990/Form990PartVIISectionAGrp/PersonNm18MARCO LUCIONI - TO APRIL 2018
IRS990/Form990PartVIISectionAGrp/PersonNm19LUZ LOPEZ URRUTIA
IRS990/Form990PartVIISectionAGrp/PersonNm20MICHAEL RAPAPORT - FR JAN 2018
IRS990/Form990PartVIISectionAGrp/PersonNm21GWYNETH GALBRAITH
IRS990/Form990PartVIISectionAGrp/PersonNm22OTXIN ECHAIDE
IRS990/Form990PartVIISectionAGrp/PersonNm23RAKESH BHATNAGAR
IRS990/Form990PartVIISectionAGrp/PersonNm24JANINE GARDNER
IRS990/Form990PartVIISectionAGrp/PersonNm25ALEXANDER DANG
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12209752
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15139815
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16180863
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17160429
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18198922
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1988075
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21169083
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22140022
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23189205
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt24153097
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt25155710
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt250
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12FOUNDER & SENIOR ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15PRESIDENT & COO
IRS990/Form990PartVIISectionAGrp/TitleTxt16EXECUTIVE VP & CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt17VICE-PRESIDENT, NMTC FUND
IRS990/Form990PartVIISectionAGrp/TitleTxt18EXECUTIVE VP SMALL BUSINESS
IRS990/Form990PartVIISectionAGrp/TitleTxt19PRESIDENT & CEO - FR. SEP 2017
IRS990/Form990PartVIISectionAGrp/TitleTxt20SENIOR VP RISK & OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt21CHIEF DEVELOPMENT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR SMALL BUSINESS DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt23CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt24VP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt25DIRECTOR PRODUCTION PARTNERSHIPS
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01993
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd01
IRS990/FundraisingAmt0281145
IRS990/FundraisingDirectExpensesAmt0134528
IRS990/FundraisingGrossIncomeAmt030910
IRS990/GainOrLossGrp/SecuritiesAmt0-169
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt014
IRS990/GovernmentGrantsAmt01070083
IRS990/GrantAmt0149621
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt06435
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt06435
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt0318501
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0318501
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt024027189
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt013
IRS990/IndivRcvdGreaterThan100KCnt025
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt0106871
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt052490
IRS990/InformationTechnologyGrp/ProgramServicesAmt0402942
IRS990/InformationTechnologyGrp/TotalAmt0562303
IRS990/InsuranceGrp/FundraisingAmt06905
IRS990/InsuranceGrp/ManagementAndGeneralAmt05737
IRS990/InsuranceGrp/ProgramServicesAmt041359
IRS990/InsuranceGrp/TotalAmt054001
IRS990/InterestGrp/ProgramServicesAmt02050431
IRS990/InterestGrp/TotalAmt02050431
IRS990/InvestmentIncomeGrp/ExclusionAmt055919
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt055919
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt019524
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt022859
IRS990/InvestmentsPubTradedSecGrp/BOYAmt01189039
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01162363
IRS990/IRPDocumentCnt089
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01273188
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03079798
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02718284
IRS990/LandBldgEquipCostOrOtherBssAmt03991472
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0169
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0OPPORTUNITY FUND MISSION IS TO DRIVE ECONOMIC MOBILITY BY DELIVERING AFFORDABLE CAPITAL AND RESPONSIBLE FINANCIAL SOLUTIONS TO DETERMINED ENTREPRENEURS AND COMMUNITIES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt053149662
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt070783096
IRS990/NetAssetsOrFundBalancesBOYAmt028445686
IRS990/NetAssetsOrFundBalancesEOYAmt026413704
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-169
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-169
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt0-103618
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt0-103618
IRS990/NetUnrelatedBusTxblIncmAmt050405
IRS990/NetUnrlzdGainsLossesInvstAmt0-23897
IRS990/NoncashContributionsAmt011346
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt067887
IRS990/OccupancyGrp/ManagementAndGeneralAmt056408
IRS990/OccupancyGrp/ProgramServicesAmt0406640
IRS990/OccupancyGrp/TotalAmt0530935
IRS990/OfficeExpensesGrp/FundraisingAmt025767
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt066147
IRS990/OfficeExpensesGrp/ProgramServicesAmt0193088
IRS990/OfficeExpensesGrp/TotalAmt0285002
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt019960695
IRS990/OtherAssetsTotalGrp/EOYAmt011077886
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt0181944
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0151672
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0889365
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01222981
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN PROGRAM FEES
IRS990/OtherExpensesGrp/Desc2SAVINGS PROGRAM MATCH E
IRS990/OtherExpensesGrp/Desc3MISC
IRS990/OtherExpensesGrp/FundraisingAmt06144
IRS990/OtherExpensesGrp/FundraisingAmt117570
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$101,313,439
Liabilities
$74,899,735
Net assets
$26,413,704
Revenue
$23,892,492
Expenses
$25,900,577
Net income
-$2,008,085
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$198$124$73.8$58.9$36.9$22.0
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$200$149$51.8$53.6$37.9$15.7
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$132$95.6$36.1$45.7$35.9$9.76
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$121$94.2$26.3$30.9$31.1$0.11
2018Detailed filing. Detailed filing data is available for this year.$101$74.9$26.4$23.9$25.9$2.01
2016Detailed filing. Detailed filing data is available for this year.$75.4$49.8$25.6$18.3$14.1$4.21
2015Detailed filing. Detailed filing data is available for this year.$50.7$29.3$21.4$16.4$10.8$5.52
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.2$17.2$13.0$7.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.2$33.5$11.7$6.87