Civic Intelligence

Opportunity Resource Fund

990 • Fiscal year 2013 • EIN 38-2784136

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 16, 2014

Organization Profilewww.oppfund.org

View Organization Page

330 Marshall Street No 105Lansing, MI 48912

(517) 372-6001

Siviq Scores

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

Liabilities / Assets

84th percentile

0.76x

Higher debt load relative to assets than 84% of similar nonprofits.

2013 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

92nd percentile

4.17x

Higher debt load relative to revenue than 92% of similar nonprofits.

2013 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2013

Net Margin

82nd percentile

28%

Higher net margin than 82% of similar nonprofits.

2013 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

39th percentile

$133,939

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 6.2% of source-year revenue.

2013 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2013

Asset Growth

81st percentile

15%

Faster asset growth than 81% of similar nonprofits.

2013 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

19th percentile

-9.7%

Faster revenue growth than 19% of similar nonprofits.

2013 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2010 to 2013

Balance Sheet
Liabilities / Assets84th percentile

Assets

Up

$11,860,223

Up $1,572,305 (+15%) from 2012

Net Assets

Up

$2,852,534

Up $606,073 (+27%) from 2012

Liabilities

Up

$9,007,689

Up $966,232 (+12%) from 2012

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin82nd percentile

Revenue

$2,159,177

No earlier filing loaded for comparison.

Expenses

Up

$1,553,104

Up $247,197 (+19%) from 2012

Net Income

$606,073

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth81st percentile

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

$40M$30M$20M$10M$0Assets 2010: $9,014,992Liabilities 2010: $6,547,816Net Assets 2010: $2,467,1762010Assets 2011: $9,849,640Liabilities 2011: $7,112,197Net Assets 2011: $2,737,4432011Assets 2012: $10,287,918Liabilities 2012: $8,041,457Net Assets 2012: $2,246,4612012Assets 2013: $11,860,223Liabilities 2013: $9,007,689Net Assets 2013: $2,852,5342013Assets 2014: $11,050,169Liabilities 2014: $8,423,888Net Assets 2014: $2,626,2812014Assets 2015: $12,234,851Liabilities 2015: $9,343,666Net Assets 2015: $2,891,1852015Assets 2016: $19,391,402Liabilities 2016: $12,548,415Net Assets 2016: $6,842,9872016Assets 2017: $16,572,504Liabilities 2017: $12,135,240Net Assets 2017: $4,437,2642017Assets 2018: $18,959,818Liabilities 2018: $14,438,299Net Assets 2018: $4,521,5192018Assets 2019: $20,358,806Liabilities 2019: $16,010,287Net Assets 2019: $4,348,5192019Assets 2020: $23,453,108Liabilities 2020: $19,809,621Net Assets 2020: $3,643,4872020Assets 2021: $31,795,394Liabilities 2021: $26,044,681Net Assets 2021: $5,750,7132021Assets 2022: $26,919,241Liabilities 2022: $18,731,773Net Assets 2022: $8,187,4682022Assets 2023: $27,951,331Liabilities 2023: $18,717,214Net Assets 2023: $9,234,1172023Assets 2024: $30,573,077Liabilities 2024: $21,190,481Net Assets 2024: $9,382,5962024

Highlighted filing

2013

Assets$11,860,223
Liabilities$9,007,689
Net Assets$2,852,534
Open 2013 Filing

Operations Trend

Revenue Growth19th percentile

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

$6.0M$4.0M$2.0M$0-$2.0M-$4.0MRevenue 2010: $2,935,527Expenses 2010: $1,591,746Net Income 2010: $1,343,7812010Expenses 2011: $1,349,2972011Expenses 2012: $1,305,9072012Revenue 2013: $2,159,177Expenses 2013: $1,553,104Net Income 2013: $606,0732013Revenue 2014: $1,326,782Expenses 2014: $1,553,035Net Income 2014: -$226,2532014Revenue 2015: $1,811,674Expenses 2015: $1,541,139Net Income 2015: $270,5352015Revenue 2016: $5,518,333Expenses 2016: $1,568,228Net Income 2016: $3,950,1052016Revenue 2017: $1,036,877Expenses 2017: $3,450,603Net Income 2017: -$2,413,7262017Revenue 2018: $1,974,779Expenses 2018: $1,882,960Net Income 2018: $91,8192018Revenue 2019: $1,797,364Expenses 2019: $1,982,312Net Income 2019: -$184,9482019Revenue 2020: $1,350,057Expenses 2020: $2,058,695Net Income 2020: -$708,6382020Revenue 2021: $4,238,589Expenses 2021: $2,155,004Net Income 2021: $2,083,5852021Revenue 2022: $4,959,860Expenses 2022: $2,498,380Net Income 2022: $2,461,4802022Revenue 2023: $3,996,660Expenses 2023: $2,957,387Net Income 2023: $1,039,2732023Revenue 2024: $3,254,579Expenses 2024: $3,111,936Net Income 2024: $142,6432024

Highlighted filing

2013

Revenue$2,159,177
Expenses$1,553,104
Net Income$606,073
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 16, 2014
Return Version
2013v3.0
Gross Receipts
$2,171,160
Mission and Program Overview

Mission

Opportunity Resource Fund (OppFund) promotes affordable housing, small business ownership, single family mortgages, strong communities, and fosters social and economic justice by providing loans and development services throughout the state of Michigan. By making funds available to those denied access to traditional capital, OppFund is breaking the cycle of poverty and assisting in the revitalization of Michigan neighborhoods and communities. Pre and post loan closing development services are a provision of services offered to individuals, nonprofits, and business owners.OppFund is a certified community development financial institution and functions as a revolving loan fund. It accepts socially motivated investments from individuals, not for profit organizations and banks with interest rates ranging generally from zero to three percent. These investment dollars are pooled to provide loans at affordable rates for real estate development, small business and homeownership loans.

Promotes affordable home and small business ownership to benefit and strengthen MI Communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,155,098$8,121,419▼ $33,679
Savings and Temporary Cash Investments$1,602,264$1,846,966▲ $244,702
Pledges and Grants Receivable$169,582$1,472,519▲ $1,302,937
Loans From Officers Directors$95,000$99,005▲ $4,005
Land, Buildings, and Equipment, Net$107,660$82,476▼ $25,184
Cash and Non-Interest-Bearing Accounts$35,840$68,256▲ $32,416
Prepaid Expenses and Deferred Charges$35,737$52,776▲ $17,039
Accounts Receivable$33,324$41,931▲ $8,607
Total Assets$10,287,918$11,860,223▲ $1,572,305
Other Assets Total$148,413$173,880▲ $25,467
Liabilities
Mortgage Notes Payable Secured by Investment Property$7,682,827$8,603,499▲ $920,672
Other Liabilities$139,603$182,267▲ $42,664
Accounts Payable and Accrued Expenses$75,341$71,893▼ $3,448
Escrow Account Liability$48,686$51,025▲ $2,339
Total Liabilities$8,041,457$9,007,689▲ $966,232
Net Assets / Fund Balance
Temporarily Rstr Net Assets-$1,347,000-
Unrestricted Net Assets$1,833,906$1,091,729▼ $742,177
Permanently Rstr Net Assets$412,555$413,805▲ $1,250
Total Net Assets Fund Balance$2,246,461$2,852,534▲ $606,073
Total Liabilities and Net Assets / Fund Balance$10,287,918$11,860,223▲ $1,572,305

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$38,064$94,015$132,079
Other Land Buildings$44,412$40,253$84,665

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2013$10,500-▲ $740$740$10,500
2012$10,500-▲ $900$900$10,500
2011$10,500-▲ $630$630$10,500
2010$10,500-▲ $598$598$10,500
2009$535,057--$524,557$10,500
Compensation and Service Providers
Top Officer Pay39th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christine Coady NarayananPresident/CEOFT$132,939$1,000$133,939
Timothy StraszVP of LendingFT$102,294$1,000$103,294
Debra Fedewa CPA CGMAVP of Finance/CFOFT$95,229$6,881$102,110

Board Members and Trustees

NameTitle
Gregg ChristensonChair
Robert K HuntVice Chair
Anthony SpokojnyTrustee
Bryan Kieler as of 8113Trustee
Gehad AlawanTrustee
Harriet B SapersteinTrustee
J David IversTrustee
Lawrence Williamson as of 8113Trustee
Marc CraigTrustee
Rev Elizabeth Morris DownieTrustee
Sister Margaret Alandt IHMTrustee
Thomas H SeabronTrustee
Timothy D WittlingerTrustee
Marianne TalonSecretary
Cedric FlounoryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,525,792
Program Service Revenue
$625,097
Investment Income
$7,370
Other Revenue
$918
All Other Contributions
$1,487,044
Change in Net Assets
$606,073

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,159,177
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$11,983
Total Revenue per Audited Statements
$2,171,160
Total Revenue per Form 990
$2,159,177
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$843,100
Other Expenses$705,208
Total Fundraising Expense$77,258
Professional Fundraising Fees$4,796
Grants and Similar Amounts Paid$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$312,387$88,437$30,035$430,859
Current Officers, Directors, Trustees, and Key Employees$146,138$91,736$19,747$257,621
Interest$196,473--$196,473
Other Employee Benefits$56,280$22,114$6,110$84,504
Fees for Services Other$61,890$17,683$3,735$83,308
Occupancy$59,568$9,797$2,261$71,626
Payroll Taxes$41,862$16,449$4,545$62,856
Information Technology$36,210$7,578$1,749$45,537
Office Expenses$33,781$9,263$1,048$44,092
Fees for Services Legal$38,062$696-$38,758
Depreciation Depletion$20,989$4,241$979$26,209
Fees for Services Accounting$16,575$5,665$1,307$23,547
Conferences and Meetings$16,886$6,273-$23,159
Insurance$10,850$1,614$393$12,857
Pension Plan Contributions$4,835$1,900$525$7,260
Advertising$6,722$245$28$6,995
Fees for Services Professional Fundraising--$4,796$4,796
Other Expenses$-17,713$56$0$-17,713
Total Functional Expenses$1,192,099$283,747$77,258$1,553,104

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$1,565,087
Expenses per Audited Statements$1,553,104
Total Expenses per Form 990$1,553,104
Expenses Not Reported on Form 990$11,983
Expenses Not Reported on Financial Statements$0
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$11,983
Fundraising Gross Income$6,905
Professional Fundraising Fees$4,796

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Event 1$45,653$6,905$2,435$4,470
Total Events$45,653$6,905$11,983$-5,078
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$95,000$99,005▲ $4,005
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Department of Community Health$182,267
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
Yes
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 11

“It is OppFund's policy that the Board of Trustees receive and review the Internal Revenue Service (IRS) Form 990 filed each year on behalf of OppFund before it is filed with the IRS. The means of delivery may be via hard copy or email to each Trustee's mailing address or email address. Upon a vote and acceptance by the Board of Trustees, the Form 990 may be filed with the IRS.”

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

“Board of Trustees, officers, and staff members are required to disclose conflicts as they arise. After disclosure of the financial interest and all material facts, and any discussion with the interested person, the interested person will leave the governing board or committee meeting while the determination of a conflict of interest is discussed and voted upon. The remaining board or committee members decide if a conflict of interest exists. If a conflict of interest is determined to exist, the governing board or committee will determine the appropriate actions to be taken.”

Form 990, Part VI, Section B, line 15

“The compensation of the person is reviewed and approved by independent members of the Board of Trustees of OppFund, provided persons with conflicts of interest with respect to the compensation arrangement at issue are not involved in the review and approval. The review and approval of the person's compensation is made using compensation data for similarly qualified persons in functionally comparable positions at similarly situated organizations. The review and approval process is documented by the Board of Trustees via documentation and recordkeeping with respect to the deliberations and decisions regarding the compensation arrangement.”

Form 990, Part VI, Section C, line 19

“All information is available upon request. Form 990 is also posted annually on Guidestar's website. OppFund is registered to solicit in the State of Michigan and provides Form 990 and audited financial statements to the Michigan Attorney General's Office where it is public information.”

Filing and Contact Details

Filer

EIN
38-2784136
Phone
5173726001

Signing Officer

Name
Christine Coady Narayanan
Title
President/CEO
Phone
5173726001
Signed
2014-04-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christine Coady Narayanan
Formed
1985
Legal Domicile
Mi
Voting Board Members
15
Independent Board Members
15
Employees
11
Volunteers
15

Preparer

Preparer
Dennis D Theis CPA
Phone
5173237500
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“OppFund has a committee to assume responsibility for oversight of the audit of its financial statements and selection of an independent accountant. This process has not changed from the prior year.”

Form 4562

“Employer Identification Number: 38-2784136 For the year ended December 31, 2013 Opportunity Resource Fund, hereby elects, pursuant to IRC sec. 168(K)(2)(D)(III), not to claim the additional 50% depreciation allowable under IRC sec. 168(K) for the following qualifying property placed in service during the tax year ending December 31, 2013. All property in the 5 year class. See attached Form 4562.”

Financial Statement Notes

Part IV, Line 2B:

“Opportunity Resource Fund escrows funds for the payment of property taxes and insurance for mortgages held by OppFund.”

Part V, Line 4:

“This fund consists of permanently restricted capital that has been invested to provide general operating monies from the investment income.”

Part X, Line 2:

“In the preparation of tax returns, tax positions are taken based on interpretation of federal, state and local income tax laws. Management periodically reviews and evaluates the status of uncertain tax positions and makes estimates of amounts, including interest and penalties, ultimately due or owed. No amounts have been identified, or recorded, as uncertain tax positions. Federal, state, and local tax returns generally remain open for examination by the various taxing authorities for a period of three to four years.”

Part XI, Line 2D - Other Adjustments:

“Direct expense special events 11,983.”

Part XII, Line 2D - Other Adjustments:

“Direct expense special events 11,983.”

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IRS990/Desc0OppFund's history of successful lending spans almost 29 years. Commitment and diligence has earned the OppFund a reputation as a solid, dependable, and flexible lender and development services provider throughout the state of Michigan. As a recognized Michigan lender, the OppFund seeks collaboration opportunities and has strong relationships and positive partnerships with key concerns in Michigan's economic community. Since 1985, the OppFund has loaned almost $36 million providing 288 housing, 71 economic development, 11 consumer, and 20 single family mortgage loans. These loans have leveraged more than $156 million from public and private investments helping to create 2,518 units of affordable housing, 598 jobs, 61 Head Start preschool age children positions, and ensuring at least 125 children are safer in organized daycare facilities. In addition, 351,729 square feet of primarily commercial space has been developed or rehabbed.The OppFund relies upon its 2013 - 20l7 Strategic Plan in its continuing quest to act as a catalyst for change to benefit and strengthen Michigan communities. The Strategic Plan includes a lending goal of almost $20 million over the next four years to further provide financing for the creation, renovation, and/or preservation of a projected 392 units of affordable housing, assist 51 individual homeowners, and help to fuel Michigan's economy with the creation of 1,800 jobs. Specifically, in 2013, the OppFund loaned more than $1.37 million and leveraged almost $1.06 million with the one housing, six economic development, and eight single family mortgage loans closed. These loans helped to create 19 units of affordable housing, 82 jobs, 61 Head Start preschool age children positions. In addition, 24,371 square feet of primarily commercial space has been developed or rehabbed.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt151000
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt166881
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt171000
IRS990/Form990PartVIISectionAGrp/PersonNm0Sister Margaret Alandt IHM
IRS990/Form990PartVIISectionAGrp/PersonNm1Harriet B Saperstein
IRS990/Form990PartVIISectionAGrp/PersonNm2Bryan Kieler as of 8113
IRS990/Form990PartVIISectionAGrp/PersonNm3Lawrence Williamson as of 8113
IRS990/Form990PartVIISectionAGrp/PersonNm4Marc Craig
IRS990/Form990PartVIISectionAGrp/PersonNm5Thomas H Seabron
IRS990/Form990PartVIISectionAGrp/PersonNm6Rev Elizabeth Morris Downie
IRS990/Form990PartVIISectionAGrp/PersonNm7Gehad Alawan
IRS990/Form990PartVIISectionAGrp/PersonNm8Anthony Spokojny
IRS990/Form990PartVIISectionAGrp/PersonNm9Timothy D Wittlinger
IRS990/Form990PartVIISectionAGrp/PersonNm10J David Ivers
IRS990/Form990PartVIISectionAGrp/PersonNm11Gregg Christenson
IRS990/Form990PartVIISectionAGrp/PersonNm12Robert K Hunt
IRS990/Form990PartVIISectionAGrp/PersonNm13Marianne Talon
IRS990/Form990PartVIISectionAGrp/PersonNm14Cedric Flounory
IRS990/Form990PartVIISectionAGrp/PersonNm15Christine Coady Narayanan
IRS990/Form990PartVIISectionAGrp/PersonNm16Debra Fedewa CPA CGMA
IRS990/Form990PartVIISectionAGrp/PersonNm17Timothy Strasz
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/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15132939
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1695229
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17102294
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/TitleTxt0Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt1Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt2Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt3Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt4Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt5Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt6Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt7Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt8Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt9Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt10Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt11Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt12Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt13Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt14Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt15President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP of Finance/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP of Lending
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01985
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd01
IRS990/FundraisingAmt038748
IRS990/FundraisingDirectExpensesAmt011983
IRS990/FundraisingGrossIncomeAmt06905
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt015
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt02171160
IRS990/GrossRentsGrp/RealAmt05996
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt015
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt01749
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt07578
IRS990/InformationTechnologyGrp/ProgramServicesAmt036210
IRS990/InformationTechnologyGrp/TotalAmt045537
IRS990/InsuranceGrp/FundraisingAmt0393
IRS990/InsuranceGrp/ManagementAndGeneralAmt01614
IRS990/InsuranceGrp/ProgramServicesAmt010850
IRS990/InsuranceGrp/TotalAmt012857
IRS990/InterestGrp/ProgramServicesAmt0196473
IRS990/InterestGrp/TotalAmt0196473
IRS990/InvestmentIncomeGrp/ExclusionAmt07370
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt07370
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0109
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0134268
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0107660
IRS990/LandBldgEquipBasisNetGrp/EOYAmt082476
IRS990/LandBldgEquipCostOrOtherBssAmt0216744
IRS990/LegalDomicileStateCd0MI
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt095000
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt099005
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0The OppFund promotes affordable homes, small business ownership, single family mortgages, strong communities, and fosters social and economic justice by providing loans and development services throughout the state of Michigan. By making funds available to those denied access to traditional capital, the OppFund is breaking the cycle of poverty and assisting in the revitalization of Michigan neighborhoods and communities. Pre and post loan closing development services are a provision of services offered to individuals, nonprofits, and business owners.The OppFund is a certified community development financial institution and functions as a revolving loan fund. It accepts socially motivated investments from individuals, not for profit organizations and banks with interest rates ranging generally from zero to three percent. Investment dollars become pooled and recycled to provide loans at affordable rates to community based organizations and individuals for affordable housing, comm
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt07682827
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt08603499
IRS990/NetAssetsOrFundBalancesBOYAmt02246461
IRS990/NetAssetsOrFundBalancesEOYAmt02852534
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt0-5078
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt0-5078
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt05996
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt05996
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt02261
IRS990/OccupancyGrp/ManagementAndGeneralAmt09797
IRS990/OccupancyGrp/ProgramServicesAmt059568
IRS990/OccupancyGrp/TotalAmt071626
IRS990/OfficeExpensesGrp/FundraisingAmt01048
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt09263
IRS990/OfficeExpensesGrp/ProgramServicesAmt033781
IRS990/OfficeExpensesGrp/TotalAmt044092
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0148413
IRS990/OtherAssetsTotalGrp/EOYAmt0173880
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt06110
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt022114
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt056280
IRS990/OtherEmployeeBenefitsGrp/TotalAmt084504
IRS990/OtherExpensesGrp/Desc0Property Write Down
IRS990/OtherExpensesGrp/Desc1Miscellaneous
IRS990/OtherExpensesGrp/Desc2Loan Loss Provision
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt056
IRS990/OtherExpensesGrp/ProgramServicesAmt0149326
IRS990/OtherExpensesGrp/ProgramServicesAmt1978
IRS990/OtherExpensesGrp/ProgramServicesAmt2-17713
IRS990/OtherExpensesGrp/TotalAmt0149326
IRS990/OtherExpensesGrp/TotalAmt11034
IRS990/OtherExpensesGrp/TotalAmt2-17713
IRS990/OtherLiabilitiesGrp/BOYAmt0139603
IRS990/OtherLiabilitiesGrp/EOYAmt0182267
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt030035
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt088437
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0312387
IRS990/OtherSalariesAndWagesGrp/TotalAmt0430859
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt08155098
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt08121419
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt04545
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt016449
IRS990/PayrollTaxesGrp/ProgramServicesAmt041862
IRS990/PayrollTaxesGrp/TotalAmt062856
IRS990/PensionPlanContributionsGrp/FundraisingAmt0525
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt01900
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt04835
IRS990/PensionPlanContributionsGrp/TotalAmt07260
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt0412555
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt0413805
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0169582
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt01472519
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt035737
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt052776
IRS990/PrincipalOfficerNm0Christine Coady Narayanan
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/Desc0Interest Income - Loan
IRS990/ProgramServiceRevenueGrp/Desc1Loan Origination Fees
IRS990/ProgramServiceRevenueGrp/Desc2Consumer Loan Fund
IRS990/ProgramServiceRevenueGrp/Desc3Other Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0551113
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt151034
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt222000
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3950
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0551113
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt151034
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt222000
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3950
IRS990/ProgSrvcAccomActy2Grp/Desc0OppFund has witnessed firsthand community investment is a growth catalyst for communities and those who live and work in those communities. Team members provide development services, directly or through various strategic partnerships with specialized providers or local learning institutions, developed over time to enhance the success of its borrowers. This available, affordable capital, combined with critical financial and technical support, is a key factor and catalyst in successful community and individual development.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt016165
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0950
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0218735
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt010935
IRS990/PYOtherExpensesAmt0537118
IRS990/PYOtherRevenueAmt04719
IRS990/PYProgramServiceRevenueAmt0580536
IRS990/PYRevenuesLessExpensesAmt0-490982
IRS990/PYSalariesCompEmpBnftPaidAmt0732866
IRS990/PYTotalExpensesAmt01305907
IRS990/PYTotalProfFndrsngExpnsAmt035923
IRS990/PYTotalRevenueAmt0814925
IRS990/QuidProQuoContributionsInd01
IRS990/QuidProQuoContriDisclInd01
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0606073
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt05996
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0624147

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$11,860,223
Liabilities
$9,007,689
Net assets
$2,852,534
Revenue
$2,159,177
Expenses
$1,553,104
Net income
$606,073
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.6$21.2$9.38$3.25$3.11$0.14
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.0$18.7$9.23$4.00$2.96$1.04
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.9$18.7$8.19$4.96$2.50$2.46
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.8$26.0$5.75$4.24$2.16$2.08
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.5$19.8$3.64$1.35$2.06$0.71
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.4$16.0$4.35$1.80$1.98$0.18
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.0$14.4$4.52$1.97$1.88$0.09
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.6$12.1$4.44$1.04$3.45$2.41
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.4$12.5$6.84$5.52$1.57$3.95
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.2$9.34$2.89$1.81$1.54$0.27
2014Detailed filing. Detailed filing data is available for this year.$11.1$8.42$2.63$1.33$1.55$0.23
2013Detailed filing. Detailed filing data is available for this year.$11.9$9.01$2.85$2.16$1.55$0.61
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.3$8.04$2.25$1.31
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.85$7.11$2.74$1.35
2010Summary only. Only limited summary data is available for this year.$9.01$6.55$2.47$2.94$1.59$1.34