Civic Intelligence

Opportunity Resource Fund

990 • Fiscal year 2018 • EIN 38-2784136

Jan 01, 2018 to Dec 31, 2018 • Filed on Jul 15, 2019

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

85th percentile

0.76x

Higher debt load relative to assets than 85% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

95th percentile

7.31x

Higher debt load relative to revenue than 95% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Net Margin

55th percentile

4.6%

Higher net margin than 55% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

43rd percentile

$157,192

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 8.0% of source-year revenue.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Asset Growth

80th percentile

14%

Faster asset growth than 80% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Revenue Growth

93rd percentile

90%

Faster revenue growth than 93% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$18,959,818

Up $2,387,314 (+14%) from 2017

Net Assets

Up

$4,521,519

Up $84,255 (+1.9%) from 2017

Liabilities

Up

$14,438,299

Up $2,303,059 (+19%) from 2017

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin55th percentile

Revenue

Up

$1,974,779

Up $937,902 (+90%) from 2017

Expenses

Down

$1,882,960

Down $1,567,643 (-45%) from 2017

Net Income

Up

$91,819

Up $2,505,545 (+104%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth80th 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

2018

Assets$18,959,818
Liabilities$14,438,299
Net Assets$4,521,519
Open 2018 Filing

Operations Trend

Revenue Growth93rd 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

2018

Revenue$1,974,779
Expenses$1,882,960
Net Income$91,819
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Jul 15, 2019
Return Version
2018v3.1
Gross Receipts
$1,974,779
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$12,624,109$13,007,836▲ $383,727
Savings and Temporary Cash Investments$3,094,427$3,099,121▲ $4,694
Cash and Non-Interest-Bearing Accounts$521,621$1,580,241▲ $1,058,620
Pledges and Grants Receivable$54,191$926,887▲ $872,696
Accounts Receivable$113,084$187,455▲ $74,371
Prepaid Expenses and Deferred Charges$52,319$52,631▲ $312
Land, Buildings, and Equipment, Net$26,802$27,260▲ $458
Loans From Officers Directors$70,500$9,000▼ $61,500
Total Assets$16,572,504$18,959,818▲ $2,387,314
Other Assets Total$85,951$78,387▼ $7,564
Liabilities
Mortgage Notes Payable Secured by Investment Property$11,020,294$13,350,561▲ $2,330,267
Deferred Revenue$320,746$366,191▲ $45,445
Escrow Account Liability$371,399$350,505▼ $20,894
Other Liabilities$273,747$274,020▲ $273
Accounts Payable and Accrued Expenses$78,554$88,022▲ $9,468
Total Liabilities$12,135,240$14,438,299▲ $2,303,059
Net Assets / Fund Balance
Unrestricted Net Assets$3,252,941$2,736,336▼ $516,605
Temporarily Rstr Net Assets$1,157,736$1,758,596▲ $600,860
Permanently Rstr Net Assets$26,587$26,587→ $0
Total Net Assets Fund Balance$4,437,264$4,521,519▲ $84,255
Total Liabilities and Net Assets / Fund Balance$16,572,504$18,959,818▲ $2,387,314

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$27,185$89,206$116,391
Other Land Buildings$75$61,977$62,052

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2018$10,500-→ $0$0$10,500
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
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christine Coady NarayananPresident/CEOFT$156,192$1,000$157,192
Timothy StraszVP of LendingFT$126,366$9,930$136,296
Kevin FitzgeraldVP of Finance/CFOFT$91,723-$91,723

Board Members and Trustees

NameTitle
Robert K HuntBoard Chair
Marc CraigVice Chair
Amy HoveyTrustee
Anthony SpokojnyTrustee
Curtis SmithTrustee
Edwin R HarlinTrustee
Michael LayneTrustee
Sarah LucasTrustee
Tarik BazzyTrustee
Thomas H SeabronTrustee
Sheilah P ClaySecretary
Sister Margaret Alandt IHMTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,067,590
Program Service Revenue
$904,659
Investment Income
$2,530
Other Revenue
$0
All Other Contributions
$1,067,590
Change in Net Assets
$91,819

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,974,779
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-7,564
Total Revenue per Audited Statements
$1,967,215
Total Revenue per Form 990
$1,974,779
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,155,916
Other Expenses$705,113
Grants and Similar Amounts Paid$21,931
Total Fundraising Expense$12,403
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$505,342$161,709$6,738$673,789
Current Officers, Directors, Trustees, and Key Employees$186,686$59,740$2,489$248,915
Interest$217,750--$217,750
Fees for Services Other$82,914$61,391-$144,305
Other Employee Benefits$106,984$34,235$1,426$142,645
Occupancy$35,448$45,992$231$81,671
Payroll Taxes$60,829$19,465$811$81,105
Office Expenses$41,077$24,524$307$65,908
Information Technology$34,298$26,467$133$60,898
Conferences and Meetings$25,236$13,949$70$39,255
Fees for Services Accounting$17,777$13,163-$30,940
Grants to Domestic Individuals$21,931--$21,931
Travel$11,571$6,396$32$17,999
Insurance$7,355$3,863$44$11,262
Pension Plan Contributions$7,096$2,271$95$9,462
Depreciation Depletion$1,919$4,310$22$6,251
Other Expenses$1,872$976$5$2,853
Fees for Services Legal$1,196$886-$2,082
Advertising$1,526$40-$1,566
Total Functional Expenses$1,391,180$479,377$12,403$1,882,960

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,882,960
Total Expenses per Audited Statements$1,882,960
Total Expenses per Form 990$1,882,960
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$9,000▼ $61,500
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Department of Community Health$274,020
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, or via electronic portal. 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
Kevin Fitzgerald
Title
CFO/VP of Finance
Phone
5173726001
Signed
2019-07-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kevin Fitzgerald
Formed
1985
Legal Domicile
Mi
Voting Board Members
12
Independent Board Members
12
Employees
18
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

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.”

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IRS990/Desc0OppFund's history of successful lending spans more than 34 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 $47.8 million providing 361 real estate development, 104 small business, 11 consumer, and 295 homeownership loans. These loans have leveraged more than $187 million from public and private investments helping to create or maintain 2,845 units of affordable housing, 1,001 jobs, 361 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 519,099 square feet of primarily commercial space has been developed. 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 2018, OppFund loaned almost $2.0 million with 1 real estate development, 5 small business, and 101 homeownership loans closed. These loans helped to create or rehabilitate 309 units of affordable housing, purchase or repair 101 homes, and create or maintain 63 jobs. In addition, 28,200 square feet of primarily commercial space has been developed or rehabilitated.
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IRS990/Form990PartVIISectionAGrp/PersonNm6Sarah Lucas
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IRS990/Form990PartVIISectionAGrp/PersonNm9Sheilah P Clay
IRS990/Form990PartVIISectionAGrp/PersonNm10Marc Craig
IRS990/Form990PartVIISectionAGrp/PersonNm11Robert K Hunt
IRS990/Form990PartVIISectionAGrp/PersonNm12Christine Coady Narayanan
IRS990/Form990PartVIISectionAGrp/PersonNm13Kevin Fitzgerald
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/ReportableCompFromOrgAmt12156192
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1391723
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14126366
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/TitleTxt8Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt9Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt10Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt11Board Chair
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/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GrantAmt021931
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt021931
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt021931
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01974779
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt012
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt0133
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt026467
IRS990/InformationTechnologyGrp/ProgramServicesAmt034298
IRS990/InformationTechnologyGrp/TotalAmt060898
IRS990/InsuranceGrp/FundraisingAmt044
IRS990/InsuranceGrp/ManagementAndGeneralAmt03863
IRS990/InsuranceGrp/ProgramServicesAmt07355
IRS990/InsuranceGrp/TotalAmt011262
IRS990/InterestGrp/ProgramServicesAmt0217750
IRS990/InterestGrp/TotalAmt0217750
IRS990/InvestmentIncomeGrp/ExclusionAmt02530
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02530
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0159
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0151183
IRS990/LandBldgEquipBasisNetGrp/BOYAmt026802
IRS990/LandBldgEquipBasisNetGrp/EOYAmt027260
IRS990/LandBldgEquipCostOrOtherBssAmt0178443
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt070500
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt09000
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/BOYAmt011020294
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt013350561
IRS990/NetAssetsOrFundBalancesBOYAmt04437264
IRS990/NetAssetsOrFundBalancesEOYAmt04521519
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-7564
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt0231
IRS990/OccupancyGrp/ManagementAndGeneralAmt045992
IRS990/OccupancyGrp/ProgramServicesAmt035448
IRS990/OccupancyGrp/TotalAmt081671
IRS990/OfficeExpensesGrp/FundraisingAmt0307
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt024524
IRS990/OfficeExpensesGrp/ProgramServicesAmt041077
IRS990/OfficeExpensesGrp/TotalAmt065908
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt085951
IRS990/OtherAssetsTotalGrp/EOYAmt078387
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt01426
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt034235
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0106984
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0142645
IRS990/OtherExpensesGrp/Desc0Loan Loss Provision
IRS990/OtherExpensesGrp/Desc1Miscellaneous
IRS990/OtherExpensesGrp/FundraisingAmt05
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0976
IRS990/OtherExpensesGrp/ProgramServicesAmt022373
IRS990/OtherExpensesGrp/ProgramServicesAmt11872
IRS990/OtherExpensesGrp/TotalAmt022373
IRS990/OtherExpensesGrp/TotalAmt12853
IRS990/OtherLiabilitiesGrp/BOYAmt0273747
IRS990/OtherLiabilitiesGrp/EOYAmt0274020
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt06738
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0161709
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0505342
IRS990/OtherSalariesAndWagesGrp/TotalAmt0673789
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt012624109
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt013007836
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt0811
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt019465
IRS990/PayrollTaxesGrp/ProgramServicesAmt060829
IRS990/PayrollTaxesGrp/TotalAmt081105
IRS990/PensionPlanContributionsGrp/FundraisingAmt095
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt02271
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt07096
IRS990/PensionPlanContributionsGrp/TotalAmt09462
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt026587
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt026587
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt054191
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0926887
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt052319
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt052631
IRS990/PrincipalOfficerNm0Kevin Fitzgerald
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/RelatedOrExemptFuncIncomeAmt0630870
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1219053
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt254037
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3699
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0630870
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1219053
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt254037
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3699
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/ExpenseAmt059243
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0699
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0155243
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt01511442
IRS990/PYInvestmentIncomeAmt04038
IRS990/PYOtherExpensesAmt0803455
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0877596
IRS990/PYRevenuesLessExpensesAmt0-2413726
IRS990/PYSalariesCompEmpBnftPaidAmt01135706
IRS990/PYTotalExpensesAmt03450603
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01036877
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt091819
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0903960
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03094427
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03099121
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus1YearAmt05000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus2YearsAmt025000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus3YearsAmt015000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/CurrentTaxYearMinus4YearsAmt015000
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt060000
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt01067590
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0155243
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt02660086
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt01106782
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0749149
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt05738850
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt02530
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt04038
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt02496
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt05559
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt013655
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt028278
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0904659
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0877596
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0899242
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0726545
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0567723
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt03975765
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt02530
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt04038
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt02496
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt05559
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt013655
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt028278
IRS990ScheduleA/InvestmentIncomeCYPct00.00290
IRS990ScheduleA/InvestmentIncomePYPct00.00390
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.48600
IRS990ScheduleA/PublicSupportPY509Pct00.56790

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$18,959,818
Liabilities
$14,438,299
Net assets
$4,521,519
Revenue
$1,974,779
Expenses
$1,882,960
Net income
$91,819
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
2018Detailed filing. Detailed filing data is available for this year.$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