Civic Intelligence

Opportunity Resource Fund

990 • Fiscal year 2016 • EIN 38-2784136

Jan 01, 2016 to Dec 31, 2016 • Filed on May 11, 2017

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

80th percentile

0.65x

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

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

88th percentile

2.27x

Higher debt load relative to revenue than 88% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Net Margin

96th percentile

72%

Higher net margin than 96% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

38th percentile

$142,657

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Asset Growth

95th percentile

58%

Faster asset growth than 95% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

97th percentile

205%

Faster revenue growth than 97% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$19,391,402

Up $7,156,551 (+58%) from 2015

Net Assets

Up

$6,842,987

Up $3,951,802 (+137%) from 2015

Liabilities

Up

$12,548,415

Up $3,204,749 (+34%) from 2015

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin96th percentile

Revenue

Up

$5,518,333

Up $3,706,659 (+205%) from 2015

Expenses

Up

$1,568,228

Up $27,089 (+1.8%) from 2015

Net Income

Up

$3,950,105

Up $3,679,570 (+1360%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth95th 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

2016

Assets$19,391,402
Liabilities$12,548,415
Net Assets$6,842,987
Open 2016 Filing

Operations Trend

Revenue Growth97th 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

2016

Revenue$5,518,333
Expenses$1,568,228
Net Income$3,950,105
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 11, 2017
Return Version
2016v3.0
Gross Receipts
$5,572,346
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$8,431,291$11,002,264▲ $2,570,973
Savings and Temporary Cash Investments$3,214,709$5,166,638▲ $1,951,929
Pledges and Grants Receivable$223,966$1,532,565▲ $1,308,599
Cash and Non-Interest-Bearing Accounts$151,270$1,502,063▲ $1,350,793
Loans From Officers Directors$68,500$70,500▲ $2,000
Prepaid Expenses and Deferred Charges$41,768$41,715▼ $53
Accounts Receivable$50,021$41,701▼ $8,320
Land, Buildings, and Equipment, Net$45,564$26,508▼ $19,056
Total Assets$12,234,851$19,391,402▲ $7,156,551
Other Assets Total$76,262$77,948▲ $1,686
Liabilities
Mortgage Notes Payable Secured by Investment Property$8,247,258$11,388,503▲ $3,141,245
Escrow Account Liability$561,728$638,001▲ $76,273
Other Liabilities$206,363$242,006▲ $35,643
Accounts Payable and Accrued Expenses$69,241$128,557▲ $59,316
Deferred Revenue$190,576$80,848▼ $109,728
Total Liabilities$9,343,666$12,548,415▲ $3,204,749
Net Assets / Fund Balance
Temporarily Rstr Net Assets$907,354$3,990,668▲ $3,083,314
Unrestricted Net Assets$1,965,244$2,833,732▲ $868,488
Permanently Rstr Net Assets$18,587$18,587→ $0
Total Net Assets Fund Balance$2,891,185$6,842,987▲ $3,951,802
Total Liabilities and Net Assets / Fund Balance$12,234,851$19,391,402▲ $7,156,551

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$20,313$114,342$134,655
Other Land Buildings$6,195$61,470$67,665

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2016$10,500-▲ $229$229$10,500
2015$10,500-▲ $836$836$10,500
2014$10,500-▲ $736$736$10,500
2013$10,500-▲ $740$740$10,500
2012$10,500-▲ $900$900$10,500
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christine Coady NarayananPresident/CEOFT$141,657$1,000$142,657
Debra Fedewa CPA CGMAVP of Finance/CFOFT$121,297$1,000$122,297
Timothy StraszVP of LendingFT$108,767$8,516$117,283

Board Members and Trustees

NameTitle
Robert K HuntBoard Chair
Sister Margaret Alandt IHMVice Chair
Anthony SpokojnyTrustee
Edwin HarlinTrustee
Gehad AlawanTrustee
Harriet B SapersteinTrustee
Lawrence WilliamsonTrustee
Marc CraigTrustee
Sheilah ClayTrustee
Thomas H SeabronTrustee
Marianne TalonSecretary
Cedric FlounoryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$4,660,086
Program Service Revenue
$899,242
Investment Income
$2,496
Other Revenue
$-43,491
All Other Contributions
$4,630,057
Change in Net Assets
$3,950,105

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,507,811
Revenue Not Reported on Financial Statements
$10,522
Revenue Not Reported on Form 990
$55,710
Other Revenue Adjustments
$10,522
Total Revenue per Audited Statements
$5,563,521
Total Revenue per Form 990
$5,518,333
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$896,282
Other Expenses$671,946
Total Fundraising Expense$29,284
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$334,291$121,896$13,045$469,232
Current Officers, Directors, Trustees, and Key Employees$188,759$68,829$7,366$264,954
Interest$194,070--$194,070
Fees for Services Other$163,274$15,641$338$179,253
Other Employee Benefits$61,275$22,343$2,391$86,009
Occupancy$63,263$10,603$1,085$74,951
Payroll Taxes$48,863$17,817$1,907$68,587
Office Expenses$52,573$9,347$426$62,346
Fees for Services Accounting$28,443$2,725$1,343$32,511
Information Technology$27,821$3,853$394$32,068
Conferences and Meetings$16,952$6,608$170$23,730
Depreciation Depletion$16,548$2,275$233$19,056
Travel$7,779$3,032$78$10,889
Insurance$8,862$1,319$137$10,318
Pension Plan Contributions$5,343$1,948$209$7,500
Advertising$5,021$93$10$5,124
Fees for Services Legal$3,224$309$152$3,685
Other Expenses$88$501$0$589
Total Functional Expenses$1,249,805$289,139$29,284$1,568,228

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$1,611,719
Total Expenses per Form 990$1,568,228
Expenses per Audited Statements$1,557,706
Expenses Not Reported on Form 990$54,013
Expenses Not Reported on Financial Statements$10,522
Other Expense Adjustments$10,522
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$54,013
Fundraising Gross Income$10,522
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Economic Justice Dinner$40,551$10,522$28,573$-18,051
Total Events$40,551$10,522$54,013$-43,491
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$68,500$70,500▲ $2,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Department of Community Health$242,006
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 11B

“Opportunity Resource Fund's (OppFund) policy is for the Board of Trustees to receive and review the 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 board member's mailing address or email address. Upon a vote and acceptance by the Board of Trustees, the IRS Form 990 is 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 OppFund's Board of Trustees, 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

Filer Name
Opportunity Resource Fund
EIN
38-2784136
Phone
5173726001
Address
330 Marshall Street No 105, Lansing, MI 48912

Signing Officer

Name
Christine Coady Narayanan
Title
President/CEO
Phone
5173726001
Signed
2017-05-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christine Coady Narayanan
Formed
1985
Legal Domicile
Mi
Voting Board Members
12
Independent Board Members
12
Employees
14
Volunteers
12

Preparer

Firm
Maner Costerisan PC
Address
2425 E Grand River Suite 1, Lansing, MI 48912-3291
Preparer
Dennis D Theis CPA
Phone
5173237500
Supplemental Narrative

Additional Explanations

Form 990, Part IX, line 11G

“Other Professional Fees: Program service expenses 163,274. Management and general expenses 15,641. Fundraising expenses 338. Total expenses 179,253.”

Financial Statement Notes

Part IV, Line 2B:

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

Part V, Line 4:

“This fund consists of permanently restricted capital 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 54,013.”

Part XI, Line 4B - Other Adjustments:

“Non-Cash Donations 10,522.”

Part XII, Line 2D - Other Adjustments:

“Direct expense special events 54,013.”

Part XII, Line 4B - Other Adjustments:

“Non-Cash Donations 10,522.”

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IRS990/Desc0OppFund's history of successful lending spans more than 30 years. Commitment and diligence has earned OppFund a reputation as a solid, dependable, and flexible lender and development services provider throughout the state of Michigan. As a recognized Michigan lender, OppFund seeks collaboration opportunities and has strong relationships and positive partnerships with key concerns in Michigan's economic community. Since 1985, OppFund has loaned almost $43 million providing 291 real estate development, 95 small business, 11 consumer, and 193 homeownership loans. These loans have leveraged more than $165 million from public and private investments helping to create 2,723 units of affordable housing, 679 jobs, 193 new or safer housing for predominantly low and moderate income families, and ensuring at least 125 children are safer in organized daycare facilities. In addition, almost 408,000 square feet of primarily commercial space has been developed or rehabbed. OppFund loans empower people throughout the state of Michigan.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 $5.5 million over the next year to further provide financing for the creation, renovation, and/or preservation of a projected 200 units of affordable housing, assist 125 individual homeowners, and help to fuel Michigan's economy with the creation of 80 jobs. Specifically, in 2016, OppFund loaned $4.15 million with 3 real estate development, 12 small business, and 128 homeownership loans closed. These loans helped to create 155 units of affordable housing, and 240 jobs. In addition, 62,700 square feet of primarily commercial space has been developed or rehabbed.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt121000
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt131000
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt148516
IRS990/Form990PartVIISectionAGrp/PersonNm0Sheilah Clay
IRS990/Form990PartVIISectionAGrp/PersonNm1Edwin Harlin
IRS990/Form990PartVIISectionAGrp/PersonNm2Harriet B Saperstein
IRS990/Form990PartVIISectionAGrp/PersonNm3Lawrence Williamson
IRS990/Form990PartVIISectionAGrp/PersonNm4Marc Craig
IRS990/Form990PartVIISectionAGrp/PersonNm5Thomas H Seabron
IRS990/Form990PartVIISectionAGrp/PersonNm6Gehad Alawan
IRS990/Form990PartVIISectionAGrp/PersonNm7Anthony Spokojny
IRS990/Form990PartVIISectionAGrp/PersonNm8Robert K Hunt
IRS990/Form990PartVIISectionAGrp/PersonNm9Sister Margaret Alandt IHM
IRS990/Form990PartVIISectionAGrp/PersonNm10Marianne Talon
IRS990/Form990PartVIISectionAGrp/PersonNm11Cedric Flounory
IRS990/Form990PartVIISectionAGrp/PersonNm12Christine Coady Narayanan
IRS990/Form990PartVIISectionAGrp/PersonNm13Debra Fedewa CPA CGMA
IRS990/Form990PartVIISectionAGrp/PersonNm14Timothy 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/ReportableCompFromOrgAmt12141657
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13121297
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14108767
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/TitleTxt0Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt1Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt2Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt3Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt4Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt5Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt6Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt7Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt9Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt10Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt11Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt12President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP of Finance/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP of Lending
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01985
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd01
IRS990/FundraisingAmt030029
IRS990/FundraisingDirectExpensesAmt054013
IRS990/FundraisingGrossIncomeAmt010522
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt05572346
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt012
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt0394
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt03853
IRS990/InformationTechnologyGrp/ProgramServicesAmt027821
IRS990/InformationTechnologyGrp/TotalAmt032068
IRS990/InsuranceGrp/FundraisingAmt0137
IRS990/InsuranceGrp/ManagementAndGeneralAmt01319
IRS990/InsuranceGrp/ProgramServicesAmt08862
IRS990/InsuranceGrp/TotalAmt010318
IRS990/InterestGrp/ProgramServicesAmt0194070
IRS990/InterestGrp/TotalAmt0194070
IRS990/InvestmentIncomeGrp/ExclusionAmt02496
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02496
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0162
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0175812
IRS990/LandBldgEquipBasisNetGrp/BOYAmt045564
IRS990/LandBldgEquipBasisNetGrp/EOYAmt026508
IRS990/LandBldgEquipCostOrOtherBssAmt0202320
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt068500
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt070500
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Opportunity 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt08247258
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt011388503
IRS990/NetAssetsOrFundBalancesBOYAmt02891185
IRS990/NetAssetsOrFundBalancesEOYAmt06842987
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt0-43491
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt0-43491
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt01697
IRS990/NoncashContributionsAmt010522
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt01085
IRS990/OccupancyGrp/ManagementAndGeneralAmt010603
IRS990/OccupancyGrp/ProgramServicesAmt063263
IRS990/OccupancyGrp/TotalAmt074951
IRS990/OfficeExpensesGrp/FundraisingAmt0426
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt09347
IRS990/OfficeExpensesGrp/ProgramServicesAmt052573
IRS990/OfficeExpensesGrp/TotalAmt062346
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt076262
IRS990/OtherAssetsTotalGrp/EOYAmt077948
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt02391
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt022343
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt061275
IRS990/OtherEmployeeBenefitsGrp/TotalAmt086009
IRS990/OtherExpensesGrp/Desc0Loan Loss Provision
IRS990/OtherExpensesGrp/Desc1Miscellaneous
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0501
IRS990/OtherExpensesGrp/ProgramServicesAmt023356
IRS990/OtherExpensesGrp/ProgramServicesAmt188
IRS990/OtherExpensesGrp/TotalAmt023356
IRS990/OtherExpensesGrp/TotalAmt1589
IRS990/OtherLiabilitiesGrp/BOYAmt0206363
IRS990/OtherLiabilitiesGrp/EOYAmt0242006
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt013045
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0121896
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0334291
IRS990/OtherSalariesAndWagesGrp/TotalAmt0469232
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt08431291
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt011002264
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt01907
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt017817
IRS990/PayrollTaxesGrp/ProgramServicesAmt048863
IRS990/PayrollTaxesGrp/TotalAmt068587
IRS990/PensionPlanContributionsGrp/FundraisingAmt0209
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt01948
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt05343
IRS990/PensionPlanContributionsGrp/TotalAmt07500
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt018587
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt018587
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0223966
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt01532565
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt041768
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt041715
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/Desc1Contractual Services
IRS990/ProgramServiceRevenueGrp/Desc2Loan Origination Fees
IRS990/ProgramServiceRevenueGrp/Desc3Other Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0483987
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1350588
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt263509
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt31158
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0483987
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1350588
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt263509
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31158
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/ExpenseAmt015783
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt01158
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt01106782
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02238
IRS990/PYOtherExpensesAmt0663630
IRS990/PYOtherRevenueAmt0-23891
IRS990/PYProgramServiceRevenueAmt0726545
IRS990/PYRevenuesLessExpensesAmt0270535
IRS990/PYSalariesCompEmpBnftPaidAmt0877509
IRS990/PYTotalExpensesAmt01541139
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01811674
IRS990/QuidProQuoContributionsInd01
IRS990/QuidProQuoContriDisclInd01
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt03950105
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0898084
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03214709
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05166638
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearAmt025000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus1YearAmt015000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus2YearsAmt015000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus3YearsAmt020000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus4YearsAmt030000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt0105000
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt04660086
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt01106782
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0749149
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt01525792
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0218735
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt08260544
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt02496
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt05559
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt013655
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt013364
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt018105
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt053179
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0899242
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0726545
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0567723
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0625097
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0580536

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Filings

Displayed year

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

Open filing
Assets
$19,391,402
Liabilities
$12,548,415
Net assets
$6,842,987
Revenue
$5,518,333
Expenses
$1,568,228
Net income
$3,950,105
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
2016Detailed filing. Detailed filing data is available for this year.$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