Civic Intelligence

Opportunity Resource Fund

990 • Fiscal year 2017 • EIN 38-2784136

Jan 01, 2017 to Dec 31, 2017 • Filed on May 10, 2018

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

0.73x

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

2017 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

97th percentile

11.70x

Higher debt load relative to revenue than 97% of similar nonprofits.

2017 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2017

Net Margin

1st percentile

-233%

Higher net margin than 1% of similar nonprofits.

2017 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

43rd percentile

$154,455

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 14.9% of source-year revenue.

2017 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2017

Asset Growth

5th percentile

-15%

Faster asset growth than 5% of similar nonprofits.

2017 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

1st percentile

-81%

Faster revenue growth than 1% of similar nonprofits.

2017 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$16,572,504

Down $2,818,898 (-15%) from 2016

Net Assets

Down

$4,437,264

Down $2,405,723 (-35%) from 2016

Liabilities

Down

$12,135,240

Down $413,175 (-3.3%) from 2016

Revenue And Expenses
Liabilities / Revenue97th percentileNet Margin1st percentile

Revenue

Down

$1,036,877

Down $4,481,456 (-81%) from 2016

Expenses

Up

$3,450,603

Up $1,882,375 (+120%) from 2016

Net Income

Down

-$2,413,726

Down $6,363,831 (-161%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth5th 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

2017

Assets$16,572,504
Liabilities$12,135,240
Net Assets$4,437,264
Open 2017 Filing

Operations Trend

Revenue Growth1st 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

2017

Revenue$1,036,877
Expenses$3,450,603
Net Income-$2,413,726
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 10, 2018
Return Version
2017v2.2
Gross Receipts
$1,036,877
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$11,002,264$12,624,109▲ $1,621,845
Savings and Temporary Cash Investments$5,166,638$3,094,427▼ $2,072,211
Cash and Non-Interest-Bearing Accounts$1,502,063$521,621▼ $980,442
Accounts Receivable$41,701$113,084▲ $71,383
Loans From Officers Directors$70,500$70,500→ $0
Pledges and Grants Receivable$1,532,565$54,191▼ $1,478,374
Prepaid Expenses and Deferred Charges$41,715$52,319▲ $10,604
Land, Buildings, and Equipment, Net$26,508$26,802▲ $294
Total Assets$19,391,402$16,572,504▼ $2,818,898
Other Assets Total$77,948$85,951▲ $8,003
Liabilities
Mortgage Notes Payable Secured by Investment Property$11,388,503$11,020,294▼ $368,209
Escrow Account Liability$638,001$371,399▼ $266,602
Deferred Revenue$80,848$320,746▲ $239,898
Other Liabilities$242,006$273,747▲ $31,741
Accounts Payable and Accrued Expenses$128,557$78,554▼ $50,003
Total Liabilities$12,548,415$12,135,240▼ $413,175
Net Assets / Fund Balance
Unrestricted Net Assets$2,833,732$3,252,941▲ $419,209
Temporarily Rstr Net Assets$3,990,668$1,157,736▼ $2,832,932
Permanently Rstr Net Assets$18,587$26,587▲ $8,000
Total Net Assets Fund Balance$6,842,987$4,437,264▼ $2,405,723
Total Liabilities and Net Assets / Fund Balance$19,391,402$16,572,504▼ $2,818,898

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$20,929$84,961$105,890
Other Land Buildings$5,873$62,577$68,450

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2017$10,500-▲ $984$984$10,500
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
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christine Coady NarayananPresident/CEOFT$153,455$1,000$154,455
Timothy StraszVP of LendingFT$111,607$8,995$120,602
Debra Fedewa CPA CGMAVP of Finance/CFOFT$84,974$7,379$92,353

Board Members and Trustees

NameTitle
Robert K HuntBoard Chair
Sister Margaret Alandt IHMVice Chair
Anthony SpokojnyTrustee
Edwin R HarlinTrustee
Gehad AlawanTrustee
Harriet B SapersteinTrustee
Marc CraigTrustee
Thomas H SeabronTrustee
Sheilah P ClaySecretary
Cedric FlounoryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$155,243
Program Service Revenue
$877,596
Investment Income
$4,038
Other Revenue
$0
All Other Contributions
$155,243
Change in Net Assets
$-2,413,726

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,036,877
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$8,003
Total Revenue per Audited Statements
$1,044,880
Total Revenue per Form 990
$1,036,877
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$1,511,442
Salaries, Compensation, and Employee Benefits$1,135,706
Other Expenses$803,455
Total Fundraising Expense$7,218
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals$1,511,442--$1,511,442
Other Salaries and Wages$511,228$163,821$3,710$678,759
Current Officers, Directors, Trustees, and Key Employees$185,891$59,568$1,349$246,808
Interest$196,576--$196,576
Fees for Services Other$105,718$23,450$410$129,578
Other Employee Benefits$88,713$28,428$644$117,785
Payroll Taxes$63,022$20,195$457$83,674
Occupancy$67,721$10,946$211$78,878
Office Expenses$53,659$10,208$79$63,946
Information Technology$44,864$5,448$105$50,417
Conferences and Meetings$22,830$11,654$32$34,516
Fees for Services Accounting$25,138$5,576$98$30,812
Travel$14,201$7,248$19$21,468
Insurance$9,683$1,416$30$11,129
Depreciation Depletion$9,787$982$19$10,788
Pension Plan Contributions$6,538$2,095$47$8,680
Advertising$7,176--$7,176
Fees for Services Legal$2,157$478$8$2,643
Other Expenses$438$795-$1,233
Total Functional Expenses$3,091,077$352,308$7,218$3,450,603

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,450,603
Total Expenses per Audited Statements$3,450,603
Total Expenses per Form 990$3,450,603
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$70,500$70,500→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Department of Community Health$273,747
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
2018-05-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christine Coady Narayanan
Formed
1985
Legal Domicile
Mi
Voting Board Members
10
Independent Board Members
10
Employees
17
Volunteers
10

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

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.”

Raw XML AppendixShowing 400 of 717 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/Desc0OppFund's history of successful lending spans more than 33 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 more than $45.8 million providing 294 real estate development, 98 small business, 11 consumer, and 260 homeownership loans. These loans have leveraged more than $187 million from public and private investments helping to create or maintain 2,536 units of affordable housing, 938 jobs, 260 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 477,000 square feet of primarily commercial space has been developed and rehabilitated in addition to more than 472,000 square feet of new or safer housing for predominantly low and moderate-income families. OppFund loans empower people throughout the state of Michigan. OppFund relies upon its 2018-2020 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 $15 million over the next three years to further provide financing for the creation, renovation, and/or preservation of affordable housing, assist individual homeowners, and help to fuel Michigan's economy with the creation of jobs. Specifically, in 2017, OppFund loaned almost $3.0 million with 1 real estate development, 5 small business, and 67 homeownership loans closed. These loans helped to create or rehabilitate 5 units of affordable housing, purchase or repair 67 homes, and create or maintain 60 jobs. In addition, 28,200 square feet of primarily commercial space has been developed or rehabilitated.
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IRS990/Form990PartVIISectionAGrp/PersonNm9Cedric Flounory
IRS990/Form990PartVIISectionAGrp/PersonNm10Christine Coady Narayanan
IRS990/Form990PartVIISectionAGrp/PersonNm11Debra Fedewa CPA CGMA
IRS990/Form990PartVIISectionAGrp/PersonNm12Timothy 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/ReportableCompFromOrgAmt10153455
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1184974
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12111607
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/TitleTxt0Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt1Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt2Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt3Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt4Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt5Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt7Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt8Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt9Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt10President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP of Finance/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP of Lending
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01985
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantAmt01511442
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IRS990/GrantsToDomesticIndividualsGrp/TotalAmt01511442
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01036877
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt0105
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt05448
IRS990/InformationTechnologyGrp/ProgramServicesAmt044864
IRS990/InformationTechnologyGrp/TotalAmt050417
IRS990/InsuranceGrp/FundraisingAmt030
IRS990/InsuranceGrp/ManagementAndGeneralAmt01416
IRS990/InsuranceGrp/ProgramServicesAmt09683
IRS990/InsuranceGrp/TotalAmt011129
IRS990/InterestGrp/ProgramServicesAmt0196576
IRS990/InterestGrp/TotalAmt0196576
IRS990/InvestmentIncomeGrp/ExclusionAmt04038
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04038
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0161
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0147538
IRS990/LandBldgEquipBasisNetGrp/BOYAmt026508
IRS990/LandBldgEquipBasisNetGrp/EOYAmt026802
IRS990/LandBldgEquipCostOrOtherBssAmt0174340
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt070500
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/BOYAmt011388503
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt011020294
IRS990/NetAssetsOrFundBalancesBOYAmt06842987
IRS990/NetAssetsOrFundBalancesEOYAmt04437264
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt08003
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt0211
IRS990/OccupancyGrp/ManagementAndGeneralAmt010946
IRS990/OccupancyGrp/ProgramServicesAmt067721
IRS990/OccupancyGrp/TotalAmt078878
IRS990/OfficeExpensesGrp/FundraisingAmt079
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt010208
IRS990/OfficeExpensesGrp/ProgramServicesAmt053659
IRS990/OfficeExpensesGrp/TotalAmt063946
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt077948
IRS990/OtherAssetsTotalGrp/EOYAmt085951
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt0644
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt028428
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt088713
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0117785
IRS990/OtherExpensesGrp/Desc0Loan Loss Provision
IRS990/OtherExpensesGrp/Desc1Miscellaneous
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0795
IRS990/OtherExpensesGrp/ProgramServicesAmt0164295
IRS990/OtherExpensesGrp/ProgramServicesAmt1438
IRS990/OtherExpensesGrp/TotalAmt0164295
IRS990/OtherExpensesGrp/TotalAmt11233
IRS990/OtherLiabilitiesGrp/BOYAmt0242006
IRS990/OtherLiabilitiesGrp/EOYAmt0273747
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt03710
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0163821
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0511228
IRS990/OtherSalariesAndWagesGrp/TotalAmt0678759
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011002264
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt012624109
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt0457
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt020195
IRS990/PayrollTaxesGrp/ProgramServicesAmt063022
IRS990/PayrollTaxesGrp/TotalAmt083674
IRS990/PensionPlanContributionsGrp/FundraisingAmt047
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt02095
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt06538
IRS990/PensionPlanContributionsGrp/TotalAmt08680
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt018587
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt026587
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt01532565
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt054191
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt041715
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt052319
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/RelatedOrExemptFuncIncomeAmt0572098
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1240138
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt263612
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt31748
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0572098
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1240138
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt263612
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31748
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/ExpenseAmt019327
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt01748
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt04660086
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02496
IRS990/PYOtherExpensesAmt0671946
IRS990/PYOtherRevenueAmt0-43491
IRS990/PYProgramServiceRevenueAmt0899242
IRS990/PYRevenuesLessExpensesAmt03950105
IRS990/PYSalariesCompEmpBnftPaidAmt0896282
IRS990/PYTotalExpensesAmt01568228
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05518333
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-2413726
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0875848
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05166638
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03094427
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearAmt05000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus1YearAmt025000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus2YearsAmt015000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus3YearsAmt015000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus4YearsAmt020000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt080000
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0155243
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt02660086
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt01106782
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0749149
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt01525792
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt06197052
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt04038
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt02496
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt05559
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt013655
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt013364
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt039112
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0877596
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0899242
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0726545
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0567723
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0625097
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt03696203
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt04038
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt02496
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt05559
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt013655
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt013364
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt039112
IRS990ScheduleA/InvestmentIncomeCYPct00.00390
IRS990ScheduleA/InvestmentIncomePYPct00.00550
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.56790
IRS990ScheduleA/PublicSupportPY509Pct00.54140
IRS990ScheduleA/PublicSupportTotal509Amt05640930
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt05000
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt02542097
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt0989833
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt0632038
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt083357
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt04252325
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus1YearAmt02517097
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus2YearsAmt0974833
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus3YearsAmt0617038
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus4YearsAmt063357

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$16,572,504
Liabilities
$12,135,240
Net assets
$4,437,264
Revenue
$1,036,877
Expenses
$3,450,603
Net income
-$2,413,726
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
2017Detailed filing. Detailed filing data is available for this year.$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