Civic Intelligence

Opportunity Resource Fund

990 • Fiscal year 2024 • EIN 38-2784136

Jan 01, 2024 to Dec 31, 2024 • Filed on May 23, 2025

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

83rd percentile

0.69x

Higher debt load relative to assets than 83% of similar nonprofits.

2024 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

95th percentile

6.51x

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

2024 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2024

Net Margin

51st percentile

4.4%

Higher net margin than 51% of similar nonprofits.

2024 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

45th percentile

$242,501

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 7.5% of source-year revenue.

2024 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2024

Asset Growth

63rd percentile

9.4%

Faster asset growth than 63% of similar nonprofits.

2024 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

11th percentile

-19%

Faster revenue growth than 11% of similar nonprofits.

2024 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Up

$30,573,077

Up $2,621,746 (+9.4%) from 2023

Net Assets

Up

$9,382,596

Up $148,479 (+1.6%) from 2023

Liabilities

Up

$21,190,481

Up $2,473,267 (+13%) from 2023

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin51st percentile

Revenue

Down

$3,254,579

Down $742,081 (-19%) from 2023

Expenses

Up

$3,111,936

Up $154,549 (+5.2%) from 2023

Net Income

Down

$142,643

Down $896,630 (-86%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth63rd 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

2024

Assets$30,573,077
Liabilities$21,190,481
Net Assets$9,382,596
Open 2024 Filing

Operations Trend

Revenue Growth11th 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

2024

Revenue$3,254,579
Expenses$3,111,936
Net Income$142,643
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 23, 2025
Return Version
2024v5.1
Gross Receipts
$3,254,579
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$18,054,259$22,367,472▲ $4,313,213
Cash and Non-Interest-Bearing Accounts$2,463,374$5,739,223▲ $3,275,849
Accounts Receivable$199,529$965,338▲ $765,809
Savings and Temporary Cash Investments$5,776,195$840,026▼ $4,936,169
Pledges and Grants Receivable$1,155,278$407,260▼ $748,018
Prepaid Expenses and Deferred Charges$59,395$58,008▼ $1,387
Loans From Officers Directors$5,000$5,000→ $0
Land, Buildings, and Equipment, Net$3,756$1,457▼ $2,299
Total Assets$27,951,331$30,573,077▲ $2,621,746
Other Assets Total$239,545$194,293▼ $45,252
Liabilities
Mortgage Notes Payable Secured by Investment Property$17,604,914$20,224,458▲ $2,619,544
Other Liabilities$412,571$361,030▼ $51,541
Deferred Revenue$380,786$311,064▼ $69,722
Escrow Account Liability$149,489$180,093▲ $30,604
Accounts Payable and Accrued Expenses$164,454$108,836▼ $55,618
Total Liabilities$18,717,214$21,190,481▲ $2,473,267
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$8,029,107$8,782,915▲ $753,808
Net Assets With Donor Restrictions$1,205,010$599,681▼ $605,329
Total Net Assets Fund Balance$9,234,117$9,382,596▲ $148,479
Total Liabilities and Net Assets / Fund Balance$27,951,331$30,573,077▲ $2,621,746

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,457$65,699$67,156
Other Land Buildings$0$62,052$62,052

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2024$10,500---$10,500
2023$10,500---$10,500
2022$10,500---$10,500
2021$10,500---$10,500
2020$10,500---$10,500
Compensation and Service Providers
Top Officer Pay45th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christine NarayananPresident/CEOFT$241,041$1,460$242,501
Kevin FitzgeraldVP of Finance/CFOFT$188,339$1,460$189,799
Charles TurnerDirector of Single Family LendingFT$102,062$13,252$115,314

Board Members and Trustees

NameTitle
Marc CraigBoard Chair
Robert HuntImmediate Past Chair
Sheilah P ClayVice Chair
Anika GossTrustee
Curtis SmithTrustee
Joseph HeaphyTrustee
Omar CuevasTrustee
Raymond HenneyTrustee
Tarik BazzyTrustee
Carol TarnowskySecretary
Sonali AllenSecretary (ended 8/24)
Thomas JohnsonTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Blue Horizon ConstructionConstruction607 Shelby St Ste 700-1011, Detroit, MI 48226$145,000
Reliable Building SolutionsConstruction607 Shelby Ste 700-1221, Detroit, MI 48226$145,000
Revenue and Support

Revenue Composition

Contributions and Grants
$1,689,782
Program Service Revenue
$1,552,297
Investment Income
$12,500
Other Revenue
$0
All Other Contributions
$523,469
Change in Net Assets
$142,643

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,254,579
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$5,836
Total Revenue per Audited Statements
$3,260,415
Total Revenue per Form 990
$3,254,579
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,740,946
Other Expenses$1,350,840
Total Fundraising Expense$40,167
Grants and Similar Amounts Paid$20,150
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$726,899$214,531$19,741$961,171
Current Officers, Directors, Trustees, and Key Employees$326,932$96,489$8,879$432,300
Interest$330,724$10,221-$340,945
Other Employee Benefits$163,524$48,262$4,441$216,227
Office Expenses$83,801$72,537$2,149$158,487
Fees for Services Other$92,565$65,200$471$158,236
Payroll Taxes$89,442$26,397$2,429$118,268
Conferences and Meetings$30,284$77,866$26$108,176
Occupancy$53,690$14,182$1,466$69,338
Fees for Services Accounting$26,424$18,612$135$45,171
Grants to Domestic Orgs$15,400--$15,400
Other Expenses$14,086$13,689$0$14,086
Pension Plan Contributions$9,816$2,897$267$12,980
Insurance$4,534$7,353$122$12,009
Advertising$3,588$5,285-$8,873
Fees for Services Legal$4,965$3,497$25$8,487
Grants to Domestic Individuals$4,750--$4,750
Travel$808$2,079$1$2,888
Depreciation Depletion$798$271$15$1,084
Total Functional Expenses$2,392,401$679,368$40,167$3,111,936

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,111,936
Total Expenses per Audited Statements$3,111,936
Total Expenses per Form 990$3,111,936
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$5,000$5,000→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Department of Community Health$274,020
Operating Lease Liability$87,010
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
2025-05-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kevin Fitzgerald
Formed
1985
Legal Domicile
Mi
Voting Board Members
11
Independent Board Members
11
Employees
19
Volunteers
12

Preparer

Firm
Maner Costerisan PC
Address
2425 E Grand River Suite 1, Lansing, MI 48912-3291
Preparer
Brandy L Mikula 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/Desc0Opportunity Resource Fund (OppFund) has a nearly 40-year legacy of delivering mission-driven capital across Michigan. Since 1985, OppFund has built a reputation as a reliable, flexible, and community-focused lender and development services provider. Our long-standing partnerships with local governments, nonprofits, and financial institutions support high-impact investments across urban and rural communities.As of year-end 2024, OppFund has deployed over $100 million in loan capital. This includes 429 real estate development projects, 231 small business loans, 11 consumer loans, 265 Paycheck Protection Program (PPP) loans under the CARES Act, and 527 homeownership loans. These investments have leveraged more than $280 million from public and private sources, resulting in the creation or preservation of 3,224 units of affordable housing, 2,054 jobs created or retained, and 739 new or improved housing units primarily serving low- and moderate-income households. In addition, at least 125 children have been placed in safer, licensed daycare environments through projects supported by OppFund financing.OppFund helps individuals, families, and small businesses across the state access the capital they need to improve their quality of life and strengthen Michigan's communities. Guided by a Board-approved Strategic Plan, OppFund is focused on expanding access to affordable housing, increasing homeownership, and supporting business development that contributes to economic growth. In 2024, the organization continued to grow its service delivery model, which includes technical assistance, lending readiness support, and follow-up services through a "CampusWithout Walls" framework. This approach ensures that borrowers are equipped with the tools and guidance necessary for long-term success.
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IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt01460
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt11460
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt213252
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/PersonNm0Christine Narayanan
IRS990/Form990PartVIISectionAGrp/PersonNm1Kevin Fitzgerald
IRS990/Form990PartVIISectionAGrp/PersonNm2CHARLES TURNER
IRS990/Form990PartVIISectionAGrp/PersonNm3Joseph Heaphy
IRS990/Form990PartVIISectionAGrp/PersonNm4Omar Cuevas
IRS990/Form990PartVIISectionAGrp/PersonNm5Anika Goss
IRS990/Form990PartVIISectionAGrp/PersonNm6Curtis Smith
IRS990/Form990PartVIISectionAGrp/PersonNm7Raymond Henney
IRS990/Form990PartVIISectionAGrp/PersonNm8Tarik Bazzy
IRS990/Form990PartVIISectionAGrp/PersonNm9Carol Tarnowsky
IRS990/Form990PartVIISectionAGrp/PersonNm10Sonali Allen
IRS990/Form990PartVIISectionAGrp/PersonNm11Thomas Johnson
IRS990/Form990PartVIISectionAGrp/PersonNm12Sheilah P Clay
IRS990/Form990PartVIISectionAGrp/PersonNm13Marc Craig
IRS990/Form990PartVIISectionAGrp/PersonNm14Robert Hunt
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0241041
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1188339
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2102062
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/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/TitleTxt0President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1VP of Finance/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director of Single Family Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt3Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt4Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt5Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt6Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt7Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt8Trustee
IRS990/Form990PartVIISectionAGrp/TitleTxt9Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt10Secretary (ended 8/24)
IRS990/Form990PartVIISectionAGrp/TitleTxt11Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt12Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt13Board Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt14Immediate Past Chair
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01985
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GovernmentGrantsAmt01166313
IRS990/GrantAmt020150
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt04750
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt04750
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt015400
IRS990/GrantsToDomesticOrgsGrp/TotalAmt015400
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt03254579
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/FundraisingAmt0122
IRS990/InsuranceGrp/ManagementAndGeneralAmt07353
IRS990/InsuranceGrp/ProgramServicesAmt04534
IRS990/InsuranceGrp/TotalAmt012009
IRS990/InterestGrp/ManagementAndGeneralAmt010221
IRS990/InterestGrp/ProgramServicesAmt0330724
IRS990/InterestGrp/TotalAmt0340945
IRS990/InvestmentIncomeGrp/ExclusionAmt012500
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt012500
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0319
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0127751
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03756
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01457
IRS990/LandBldgEquipCostOrOtherBssAmt0129208
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt05000
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt05000
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/BOYAmt017604914
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt020224458
IRS990/NetAssetsOrFundBalancesBOYAmt09234117
IRS990/NetAssetsOrFundBalancesEOYAmt09382596
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt05836
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt08029107
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt08782915
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt01466
IRS990/OccupancyGrp/ManagementAndGeneralAmt014182
IRS990/OccupancyGrp/ProgramServicesAmt053690
IRS990/OccupancyGrp/TotalAmt069338
IRS990/OfficeExpensesGrp/FundraisingAmt02149
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt072537
IRS990/OfficeExpensesGrp/ProgramServicesAmt083801
IRS990/OfficeExpensesGrp/TotalAmt0158487
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0239545
IRS990/OtherAssetsTotalGrp/EOYAmt0194293
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt04441
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt048262
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0163524
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0216227
IRS990/OtherExpensesGrp/Desc0Loan Loss Provision
IRS990/OtherExpensesGrp/Desc1Miscellaneous
IRS990/OtherExpensesGrp/Desc2Property Charge off
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt013689
IRS990/OtherExpensesGrp/ProgramServicesAmt0401925
IRS990/OtherExpensesGrp/ProgramServicesAmt17446
IRS990/OtherExpensesGrp/ProgramServicesAmt214086
IRS990/OtherExpensesGrp/TotalAmt0401925
IRS990/OtherExpensesGrp/TotalAmt121135
IRS990/OtherExpensesGrp/TotalAmt214086
IRS990/OtherLiabilitiesGrp/BOYAmt0412571
IRS990/OtherLiabilitiesGrp/EOYAmt0361030
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt019741
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0214531
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0726899
IRS990/OtherSalariesAndWagesGrp/TotalAmt0961171
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt018054259
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt022367472
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt02429
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt026397
IRS990/PayrollTaxesGrp/ProgramServicesAmt089442
IRS990/PayrollTaxesGrp/TotalAmt0118268
IRS990/PensionPlanContributionsGrp/FundraisingAmt0267
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt02897
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt09816
IRS990/PensionPlanContributionsGrp/TotalAmt012980
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt01155278
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0407260
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt059395
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt058008
IRS990/PrincipalOfficerNm0Kevin Fitzgerald
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/BusinessCd3900099
IRS990/ProgramServiceRevenueGrp/Desc0Interest Income - Loan
IRS990/ProgramServiceRevenueGrp/Desc1Loan Origination Fees
IRS990/ProgramServiceRevenueGrp/Desc2Contractual Services
IRS990/ProgramServiceRevenueGrp/Desc3Other Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01170669
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1190969
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2138578
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt352081
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01170669
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1190969
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2138578
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt352081
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt02739955
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt050677
IRS990/PYInvestmentIncomeAmt018970
IRS990/PYOtherExpensesAmt01343175
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01237735
IRS990/PYRevenuesLessExpensesAmt01039273
IRS990/PYSalariesCompEmpBnftPaidAmt01563535
IRS990/PYTotalExpensesAmt02957387
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03996660
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0142643
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01552297
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05776195
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0840026
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt01689782
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt02739955
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt03952856
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt02450102
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0316716
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt011149411
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt012500
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt018970
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt04336
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt0516
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt0618

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Filings

Displayed year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$30,573,077
Liabilities
$21,190,481
Net assets
$9,382,596
Revenue
$3,254,579
Expenses
$3,111,936
Net income
$142,643
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$30.6$21.2$9.38$3.25$3.11$0.14
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.0$18.7$9.23$4.00$2.96$1.04
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.9$18.7$8.19$4.96$2.50$2.46
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.8$26.0$5.75$4.24$2.16$2.08
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.5$19.8$3.64$1.35$2.06$0.71
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.4$16.0$4.35$1.80$1.98$0.18
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.0$14.4$4.52$1.97$1.88$0.09
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.6$12.1$4.44$1.04$3.45$2.41
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.4$12.5$6.84$5.52$1.57$3.95
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.2$9.34$2.89$1.81$1.54$0.27
2014Detailed filing. Detailed filing data is available for this year.$11.1$8.42$2.63$1.33$1.55$0.23
2013Detailed filing. Detailed filing data is available for this year.$11.9$9.01$2.85$2.16$1.55$0.61
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.3$8.04$2.25$1.31
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.85$7.11$2.74$1.35
2010Summary only. Only limited summary data is available for this year.$9.01$6.55$2.47$2.94$1.59$1.34