Civic Intelligence

Opportunity Resource Fund

990 • Fiscal year 2022 • EIN 38-2784136

Jan 01, 2022 to Dec 31, 2022 • Filed on Jul 24, 2023

Organization Profilewww.oppfund.org

View Organization Page

330 Marshall Street 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

0.70x

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

2022 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2022

Liabilities / Revenue

92nd percentile

3.78x

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

2022 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2022

Net Margin

89th percentile

50%

Higher net margin than 89% of similar nonprofits.

2022 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2022

Top Officer Pay

31st percentile

$183,768

Higher top officer pay than 31% of similar nonprofits.

Top officer pay equals 3.7% of source-year revenue.

2022 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2022

Asset Growth

10th percentile

-15%

Faster asset growth than 10% of similar nonprofits.

2022 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Revenue Growth

70th percentile

17%

Faster revenue growth than 70% of similar nonprofits.

2022 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$26,919,241

Down $4,876,153 (-15%) from 2021

Net Assets

Up

$8,187,468

Up $2,436,755 (+42%) from 2021

Liabilities

Down

$18,731,773

Down $7,312,908 (-28%) from 2021

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin89th percentile

Revenue

Up

$4,959,860

Up $721,271 (+17%) from 2021

Expenses

Up

$2,498,380

Up $343,376 (+16%) from 2021

Net Income

Up

$2,461,480

Up $377,895 (+18%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth10th 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

2022

Assets$26,919,241
Liabilities$18,731,773
Net Assets$8,187,468
Open 2022 Filing

Operations Trend

Revenue Growth70th 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

2022

Revenue$4,959,860
Expenses$2,498,380
Net Income$2,461,480
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Jul 24, 2023
Return Version
2022v5.0
Gross Receipts
$4,959,860
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$22,362,727$14,615,589▼ $7,747,138
Cash and Non-Interest-Bearing Accounts$3,455,302$5,680,247▲ $2,224,945
Pledges and Grants Receivable$139,604$3,689,802▲ $3,550,198
Savings and Temporary Cash Investments$5,517,709$2,481,102▼ $3,036,607
Accounts Receivable$151,533$111,868▼ $39,665
Prepaid Expenses and Deferred Charges$40,261$52,452▲ $12,191
Land, Buildings, and Equipment, Net$10,675$5,884▼ $4,791
Loans From Officers Directors$3,000$3,000→ $0
Total Assets$31,795,394$26,919,241▼ $4,876,153
Other Assets Total$117,583$282,297▲ $164,714
Liabilities
Mortgage Notes Payable Secured by Investment Property$24,914,145$17,415,657▼ $7,498,488
Other Liabilities$274,020$463,459▲ $189,439
Deferred Revenue$408,906$381,177▼ $27,729
Escrow Account Liability$335,230$333,075▼ $2,155
Accounts Payable and Accrued Expenses$109,380$135,405▲ $26,025
Total Liabilities$26,044,681$18,731,773▼ $7,312,908
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$4,890,885$4,535,534▼ $355,351
Net Assets With Donor Restrictions$859,828$3,651,934▲ $2,792,106
Total Net Assets Fund Balance$5,750,713$8,187,468▲ $2,436,755
Total Liabilities and Net Assets / Fund Balance$31,795,394$26,919,241▼ $4,876,153

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,884$104,430$110,314
Other Land Buildings$0$62,052$62,052

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2022$10,500---$10,500
2021$10,500---$10,500
2020$10,500---$10,500
2019$10,500---$10,500
2018$10,500---$10,500
Compensation and Service Providers
Top Officer Pay31st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christine Coady NarayananPresident/CEOFT$182,768$1,000$183,768
Kevin FitzgeraldVP of Finance/CFOFT$161,945$1,000$162,945

Board Members and Trustees

NameTitle
Amy HoveyBoard Chair
Thomas SeabronVice Chair
Anika GossTrustee
Carol TarnowskyTrustee
Curtis SmithTrustee
Raymond HenneyTrustee
Robert HuntTrustee
Sonali AllenTrustee
Tarik BazzyTrustee
Thomas JohnsonTrustee
Sheilah P ClaySecretary
Marc CraigTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jozef ContractorsConstruction17245 Mt Elliott, Detroit, MI 48212$176,820
Revenue and Support

Revenue Composition

Contributions and Grants
$3,952,856
Program Service Revenue
$1,002,668
Investment Income
$4,336
Other Revenue
$0
All Other Contributions
$216,981
Change in Net Assets
$2,461,480

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,959,860
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-24,725
Total Revenue per Audited Statements
$4,935,135
Total Revenue per Form 990
$4,959,860
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,412,009
Other Expenses$1,048,539
Grants and Similar Amounts Paid$37,832
Total Fundraising Expense$3,238
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$573,955$216,483$1,512$791,950
Current Officers, Directors, Trustees, and Key Employees$251,275$94,776$662$346,713
Interest$338,399--$338,399
Other Employee Benefits$123,208$46,471$325$170,004
Office Expenses$135,245$21,238$150$156,633
Fees for Services Other$130,835$22,080$155$153,070
Occupancy$84,265$14,466$101$98,832
Payroll Taxes$65,609$24,746$173$90,528
Fees for Services Accounting$55,026$9,286$65$64,377
Conferences and Meetings$53,778$5,086$35$58,899
Grants to Domestic Orgs$37,832--$37,832
Other Expenses$16,710$1,696$10$18,416
Pension Plan Contributions$9,287$3,503$24$12,814
Insurance$9,950$1,742$13$11,705
Travel$8,712$824$6$9,542
Depreciation Depletion$3,936$850$6$4,792
Advertising$23$27$1$51
Total Functional Expenses$2,031,868$463,274$3,238$2,498,380

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,498,380
Total Expenses per Audited Statements$2,498,380
Total Expenses per Form 990$2,498,380
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
CDFI CoalitionWashington, DC501(c)(3)Grant Issued for CDFI fund use.$37,832
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$3,000$3,000→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Department of Community Health$274,020
Operating Lease Liability$189,439
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 35% controlled entity
No
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 105, Lansing, MI 48912

Signing Officer

Name
Kevin Fitzgerald
Title
CFO
Phone
5173726001
Signed
2023-07-24
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
19
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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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 36 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 $70.8 million providing 416 real estate development, 197 small business, 11 consumer, 265 Payroll Protection Program loans under the CARES Act, and 466 homeownership loans. These loans have leveraged more than $190 million from public and private investments helping to create or maintain 3,014 units of affordable housing, 1804 jobs, 594 new or safer housing for predominantly low and moderate-income families, and ensuring at least 125 children are safer in organized daycare facilities. OppFund loans empower people throughout the state of Michigan.
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IRS990/Form990PartVIISectionAGrp/PersonNm9Raymond Henney
IRS990/Form990PartVIISectionAGrp/PersonNm10Curtis Smith
IRS990/Form990PartVIISectionAGrp/PersonNm11Robert Hunt
IRS990/Form990PartVIISectionAGrp/PersonNm12Anika Goss
IRS990/Form990PartVIISectionAGrp/PersonNm13Carol Tarnowsky
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1VP of Finance/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt3Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt6Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt7Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt8Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt9Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt10Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt11Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt12Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt13Trustee
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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
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IRS990/NetAssetsOrFundBalancesBOYAmt05750713
IRS990/NetAssetsOrFundBalancesEOYAmt08187468
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-24725
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IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt04535534
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IRS990/OccupancyGrp/FundraisingAmt0101
IRS990/OccupancyGrp/ManagementAndGeneralAmt014466
IRS990/OccupancyGrp/ProgramServicesAmt084265
IRS990/OccupancyGrp/TotalAmt098832
IRS990/OfficeExpensesGrp/FundraisingAmt0150
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt021238
IRS990/OfficeExpensesGrp/ProgramServicesAmt0135245
IRS990/OfficeExpensesGrp/TotalAmt0156633
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt0282297
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt0325
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt046471
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0123208
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0170004
IRS990/OtherExpensesGrp/Desc0Loan Loss Provision
IRS990/OtherExpensesGrp/Desc1Property Charge off
IRS990/OtherExpensesGrp/Desc2Miscellaneous
IRS990/OtherExpensesGrp/FundraisingAmt010
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01696
IRS990/OtherExpensesGrp/ProgramServicesAmt096929
IRS990/OtherExpensesGrp/ProgramServicesAmt136894
IRS990/OtherExpensesGrp/ProgramServicesAmt216710
IRS990/OtherExpensesGrp/TotalAmt096929
IRS990/OtherExpensesGrp/TotalAmt136894
IRS990/OtherExpensesGrp/TotalAmt218416
IRS990/OtherLiabilitiesGrp/BOYAmt0274020
IRS990/OtherLiabilitiesGrp/EOYAmt0463459
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt01512
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0216483
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0573955
IRS990/OtherSalariesAndWagesGrp/TotalAmt0791950
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt022362727
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt014615589
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt0173
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt024746
IRS990/PayrollTaxesGrp/ProgramServicesAmt065609
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IRS990/PensionPlanContributionsGrp/FundraisingAmt024
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt03503
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt09287
IRS990/PensionPlanContributionsGrp/TotalAmt012814
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IRS990/PledgesAndGrantsReceivableGrp/EOYAmt03689802
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt040261
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt052452
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/RelatedOrExemptFuncIncomeAmt0758881
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1148724
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt283875
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt311188
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0758881
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1148724
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt283875
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt311188
IRS990/ProgSrvcAccomActy2Grp/Desc0OppFund relies upon its Board-approved Strategic Plan in its continuing quest to act as a catalyst for change to benefit and strengthen Michigan communities. The Strategic Plan includes lending goals to increase 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. OppFund launched the Justice Fund Initiative to better serve our minority borrowers which includes a full campus without walls and full wrap-around technical support services. We believe this is a positive step in eliminating the racial wealth gap.
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt011188
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IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt02450102
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IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01787971
IRS990/PYRevenuesLessExpensesAmt02083585
IRS990/PYSalariesCompEmpBnftPaidAmt01178398
IRS990/PYTotalExpensesAmt02155004
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04238589
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt02461480
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0991480
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt02481102
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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0902253
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt01067590
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Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$26,919,241
Liabilities
$18,731,773
Net assets
$8,187,468
Revenue
$4,959,860
Expenses
$2,498,380
Net income
$2,461,480
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
2022Detailed filing. Detailed filing data is available for this year.$26.9$18.7$8.19$4.96$2.50$2.46
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.8$26.0$5.75$4.24$2.16$2.08
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.5$19.8$3.64$1.35$2.06$0.71
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.4$16.0$4.35$1.80$1.98$0.18
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.0$14.4$4.52$1.97$1.88$0.09
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.6$12.1$4.44$1.04$3.45$2.41
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.4$12.5$6.84$5.52$1.57$3.95
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.2$9.34$2.89$1.81$1.54$0.27
2014Detailed filing. Detailed filing data is available for this year.$11.1$8.42$2.63$1.33$1.55$0.23
2013Detailed filing. Detailed filing data is available for this year.$11.9$9.01$2.85$2.16$1.55$0.61
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.3$8.04$2.25$1.31
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.85$7.11$2.74$1.35
2010Summary only. Only limited summary data is available for this year.$9.01$6.55$2.47$2.94$1.59$1.34