Civic Intelligence

Opportunity Council

EIN 91-0787820 • 501(c)3 • Bellingham, WA

Profile

Opportunity Council's mission is to act as a catalyst for positive change, both in the community and in the lives of the people it serves. The Opportunity Council offers services that address immediate and crisis-oriented basic needs such as food, emergency shelter, and eviction-prevention. We also provide programs that promote self-sufficiency in our community by delivering early childhood education, home weatherization, and energy conservation education.

1111 Cornwall AveBellingham, WA 98225

www.oppco.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

60th percentile

0.35x

Higher debt load relative to assets than 60% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

35th percentile

0.20x

Higher debt load relative to revenue than 35% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Source year 2024

Net Margin

68th percentile

13%

Higher net margin than 68% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

16th percentile

$178,684

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 0.2% of source-year revenue.

501(c)3 • $50M-$100M nonprofits • Source year 2024

Asset Growth

86th percentile

22%

Faster asset growth than 86% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

26th percentile

-1.6%

Faster revenue growth than 26% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Assets

Up

$40,273,751

Up $7,218,858 (+22%) from 2023

Liabilities

Down

$14,257,126

Down $2,376,704 (-14%) from 2023

Net Assets

Up

$26,016,625

Up $9,595,562 (+58%) from 2023

Revenue

Down

$72,628,045

Down $1,204,742 (-1.6%) from 2023

Expenses

Down

$63,034,093

Down $5,521,293 (-8.1%) from 2023

Net Income

Up

$9,593,952

Up $4,316,551 (+82%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2010: $10,866,070Liabilities 2010: $7,696,693Net Assets 2010: $3,169,3772010Assets 2011: $11,630,105Liabilities 2011: $8,204,744Net Assets 2011: $3,425,3612011Assets 2012: $10,875,459Liabilities 2012: $6,903,286Net Assets 2012: $3,972,1732012Assets 2013: $11,104,780Liabilities 2013: $7,034,544Net Assets 2013: $4,070,2362013Assets 2014: $13,279,647Liabilities 2014: $8,846,444Net Assets 2014: $4,433,2032014Assets 2015: $13,482,421Liabilities 2015: $8,597,493Net Assets 2015: $4,884,9282015Assets 2016: $14,680,211Liabilities 2016: $9,152,279Net Assets 2016: $5,527,9322016Assets 2017: $14,251,236Liabilities 2017: $8,611,609Net Assets 2017: $5,639,6272017Assets 2018: $18,514,404Liabilities 2018: $9,528,153Net Assets 2018: $8,986,2512018Assets 2019: $21,591,770Liabilities 2019: $12,216,627Net Assets 2019: $9,375,1432019Assets 2020: $26,558,155Liabilities 2020: $14,838,094Net Assets 2020: $11,720,0612020Assets 2021: $28,866,104Liabilities 2021: $16,766,112Net Assets 2021: $12,099,9922021Assets 2022: $30,132,260Liabilities 2022: $18,988,598Net Assets 2022: $11,143,6622022Assets 2023: $33,054,893Liabilities 2023: $16,633,830Net Assets 2023: $16,421,0632023Assets 2024: $40,273,751Liabilities 2024: $14,257,126Net Assets 2024: $26,016,6252024

Highlighted filing

2024

Assets$40,273,751
Liabilities$14,257,126
Net Assets$26,016,625

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$80M$60M$40M$20M$0-$20MExpenses 2010: $21,703,6342010Revenue 2011: $23,542,228Expenses 2011: $23,286,244Net Income 2011: $255,9842011Expenses 2012: $21,697,2102012Revenue 2013: $22,671,265Expenses 2013: $22,573,202Net Income 2013: $98,0632013Revenue 2014: $24,097,540Expenses 2014: $23,734,573Net Income 2014: $362,9672014Revenue 2015: $25,529,747Expenses 2015: $25,078,022Net Income 2015: $451,7252015Revenue 2016: $27,343,881Expenses 2016: $26,700,877Net Income 2016: $643,0042016Revenue 2017: $28,680,836Expenses 2017: $28,569,141Net Income 2017: $111,6952017Revenue 2018: $33,455,467Expenses 2018: $30,108,843Net Income 2018: $3,346,6242018Revenue 2019: $35,411,295Expenses 2019: $35,022,403Net Income 2019: $388,8922019Revenue 2020: $41,034,208Expenses 2020: $38,689,290Net Income 2020: $2,344,9182020Revenue 2021: $56,313,907Expenses 2021: $55,933,976Net Income 2021: $379,9312021Revenue 2022: $73,626,323Expenses 2022: $74,582,653Net Income 2022: -$956,3302022Revenue 2023: $73,832,787Expenses 2023: $68,555,386Net Income 2023: $5,277,4012023Revenue 2024: $72,628,045Expenses 2024: $63,034,093Net Income 2024: $9,593,9522024

Highlighted filing

2024

Revenue$72,628,045
Expenses$63,034,093
Net Income$9,593,952

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.3$14.3$26.0$72.6$63.0$9.59
2023Summary only. Only limited summary data is available for this year.$33.1$16.6$16.4$73.8$68.6$5.28
2022Summary only. Only limited summary data is available for this year.$30.1$19.0$11.1$73.6$74.6$0.96
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.9$16.8$12.1$56.3$55.9$0.38
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.6$14.8$11.7$41.0$38.7$2.34
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.6$12.2$9.38$35.4$35.0$0.39
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.5$9.53$8.99$33.5$30.1$3.35
2017Summary only. Only limited summary data is available for this year.$14.3$8.61$5.64$28.7$28.6$0.11
2016Summary only. Only limited summary data is available for this year.$14.7$9.15$5.53$27.3$26.7$0.64
2015Detailed filing. Detailed filing data is available for this year.$13.5$8.60$4.88$25.5$25.1$0.45
2014Detailed filing. Detailed filing data is available for this year.$13.3$8.85$4.43$24.1$23.7$0.36
2013Summary only. Only limited summary data is available for this year.$11.1$7.03$4.07$22.7$22.6$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.9$6.90$3.97$21.7
2011Summary only. Only limited summary data is available for this year.$11.6$8.20$3.43$23.5$23.3$0.26
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.9$7.70$3.17$21.7
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 3, 2025
Return Version
2024v5.0
Gross Receipts
$72,628,045
Mission and Program Overview

Mission

Opportunity Council's mission is to act as a catalyst for positive change, both in the community and in the lives of the people it serves. The Opportunity Council offers services that address immediate and crisis-oriented basic needs such as food, emergency shelter, and eviction-prevention. We also provide programs that promote self-sufficiency in our community by delivering early childhood education, home weatherization, and energy conservation education.

Opportunity Council helps people improve their lives through education, support, and direct assistance while advocating for just and equitable communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$14,094,105$15,737,185▲ $1,643,080
Pledges and Grants Receivable$7,080,984$6,045,134▼ $1,035,850
Accounts Receivable$3,115,215$1,844,702▼ $1,270,513
Cash and Non-Interest-Bearing Accounts$391,390$1,189,248▲ $797,858
Savings and Temporary Cash Investments$331,944$588,907▲ $256,963
Prepaid Expenses and Deferred Charges$242,196$445,275▲ $203,079
Other Notes and Loans Receivable, Net$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$33,054,893$40,273,751▲ $7,218,858
Other Assets Total$7,799,059$14,423,300▲ $6,624,241
Liabilities
Mortgage Notes Payable Secured by Investment Property$6,029,522$5,906,664▼ $122,858
Other Liabilities$3,911,442$4,169,032▲ $257,590
Accounts Payable and Accrued Expenses$4,589,115$2,446,205▼ $2,142,910
Unsecured Notes Loans Payable$1,183,992$1,248,034▲ $64,042
Deferred Revenue$919,759$487,191▼ $432,568
Grants Payable$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$16,633,830$14,257,126▼ $2,376,704
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$11,551,694$21,527,240▲ $9,975,546
Net Assets With Donor Restrictions$4,869,369$4,489,385▼ $379,984
Total Net Assets Fund Balance$16,421,063$26,016,625▲ $9,595,562
Total Liabilities and Net Assets / Fund Balance$33,054,893$40,273,751▲ $7,218,858

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$12,482,507$4,643,779$17,126,286
Land$2,249,891-$2,249,891
Other Land Buildings$715,026$1,366,263$2,081,289
Equipment$228,480$1,306,308$1,534,788
Leasehold Improvements$61,281$400,757$462,038
Other Assets Org$10,427,698--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Greg WinterExecutive DirectorFT$158,827$19,856$178,683
Pamela WheelerDirectorFT$60,394$94,783$155,177
David ForemanChief Financial OfficerFT$134,081$20,265$154,346
Wendy LawrenceDirectorFT$106,931$45,393$152,324
Lisa TsuchiyaAssistant DirectorFT$129,887$8,995$138,882
Deborah PatonDirectorFT$120,438$18,386$138,824
Lorena ShahDirectorFT$117,094$17,140$134,234

Board Members and Trustees

NameTitle
Mark TompkinsPresident (past-President from 04/24)
Ozell JacksonSecretary (Vice-President from 04/24)
Rebecca BoonstraVice President (President from 04/24)
Christina JacksonMember
Cindy WolfMember
Hannah StoneMember
Kate MistlerMember
Kaylee GallowayMember
Mamie LackieMember
Ramona MenishMember
Sandy JohnMember
Thomas BoucherMember
Jessie GoetteMember (from 10/24)
Sarabeth BedeMember (Secretary from 04/24)
Steve JonesMember (thru 06/24)
Paul StermerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Dawson Construction LLCConstruction ServicesPO Box 30920, Bellingham, WA 98228$3,262,397
CAZ Energy Audits LLCConstruction Services2034 Franklin St 101, Bellingham, WA 98225$2,214,391
Arrow Insulation IncConstruction ServicesPO Box 1233, Mt Vernon, WA 98273$706,763
Third Place Design Cooperative IncArchitectural Services304 Alaskan Way S Ste 301, Seattle, WA 98104$364,381
Marr's Heating and Air Conditioning IncConstruction Services1677 Mt Baker Hwy, Bellingham, WA 98226$259,531
Revenue and Support

Revenue Composition

Contributions and Grants
$67,101,077
Program Service Revenue
$5,518,251
Investment Income
$8,717
Other Revenue
$0
All Other Contributions
$12,350,537
Change in Net Assets
$9,593,952

Audited Revenue Reconciliation

Revenue per Audited Statements
$72,628,045
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$82,754
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$72,710,799
Total Revenue per Form 990
$72,628,045
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$29,542,939
Grants and Similar Amounts Paid$22,347,561
Other Expenses$11,143,593
Total Fundraising Expense$157,905
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals$21,877,705--$21,877,705
Other Salaries and Wages$16,164,807$2,692,840$92,878$18,950,525
Other Employee Benefits$6,396,556$1,156,636$36,753$7,589,945
Fees for Services Other$4,744,150$670,286$0$5,414,436
Payroll Taxes$1,605,878$296,616$9,227$1,911,721
Occupancy$637,661$977,533$0$1,615,194
Office Expenses$827,092$249,984$3,782$1,080,858
Depreciation Depletion$35,803$879,071$0$914,874
Pension Plan Contributions$649,324$104,663$3,731$757,718
Travel$417,581$137,137$2,899$557,617
Grants to Domestic Orgs$469,856--$469,856
All Other Expenses$81,232$282,632$6,340$370,204
Current Officers, Directors, Trustees, and Key Employees$0$333,030$0$333,030
Information Technology$184,449$105,634$810$290,893
Insurance$60,412$215,502$0$275,914
Interest$41,404$169,345$0$210,749
Conferences and Meetings$140,267$39,504$1,239$181,010
Fees for Services Accounting$0$89,137$0$89,137
Other Expenses$24,575$15,992-$40,567
Fees for Services Legal$10,946$6,005$0$16,951
Advertising$3,058$1,184$246$4,488
Total Functional Expenses$54,447,447$8,428,741$157,905$63,034,093

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$63,116,847
Expenses per Audited Statements$63,034,093
Total Expenses per Form 990$63,034,093
Expenses Not Reported on Form 990$82,754
Expenses Not Reported on Financial Statements$0
Other Expense Adjustments$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Community Action of Skagit CountyMt Vernon, WA501c3Housing-related programs$158,242
Sustainable ConnectionsBellingham, WA501c3Energy conservation programs$147,902
Olympic Community Action ProgramsPort Townsend, WA501c3Housing-related programs$75,854
Corporation for National and Community ServicesWashington, DCGovernment entityService programs$29,624
Unity Care NorthwestBellingham, WA501c3Passthrough funding for general support$14,972
Lopez Island Family Resource CenterLopez Island, WA501c3Housing-related programs$14,223
Orcas Community Resource CenterEastsound, WA501c3Housing-related programs$12,157
Hearing Speech and Deafness CenterSeattle, WA501c3Housing-related programs$9,000
Joyce L Sobel Family Resource CenterFriday Harbor, WA501c3Housing-related programs$7,883
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Funding Agencies$2,613,099
Right of Use Liability$1,421,319
Tenant Security Deposits$134,614
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

A draft copy of the Form 990 is provided to the Finance Committee and Board of Directors for review and discussion. The Board's review and acceptance of the 990 is documented in meeting minutes.

Form 990, Part VI, Section B, Line 12C

Compliance with the conflict of interest policy in monitored regularly. If a possible conflict of interest is determined, the interested party may make a presentation at the governing board or committee meeting. After the presentation, s/he shall leave the meeting during the discussion of, and vote on, the transaction or arrangement involving the possible conflict of interest.

Form 990, Part VI, Section B, Line 15

Compensation of the Executive Director is set by the Board of Directors following an annual performance review, last completed in 2024. The Board uses a wage comparability study completed by the HR Department in consultation with the state's community action association. The Executive Director has a signed employment agreement. The compensation of the Chief Financial Officer is reviewed and determined annually by the Executive Director and is informed by the agency wage comparability study.

Form 990, Part VI, Section C, Line 19

Governing documents, conflict of interest policies, and financial statements are made available to the Board of Directors and their meetings are open to the public. These documents are also available to the public upon written request. The agency posts the audited financial statements on its own website.

Filing and Contact Details

Filer

Filer Name
Opportunity Council
EIN
91-0787820
Phone
3607345121
Address
1111 Cornwall Ave, Bellingham, WA 98225

Signing Officer

Name
David Foreman
Title
CFO
Phone
3607345121
Signed
2025-10-03

Organization Details

Principal Officer
Greg Winter
Formed
1977
Legal Domicile
Wa
Voting Board Members
15
Independent Board Members
15
Employees
528
Volunteers
250
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

Professional service contracts, including weatherization contracts, construction services, and other professional service providers.

Financial Statement Notes

Schedule D, Part X, Line 2

The Council is a nonprofit corporation under Section 501(c)(3) of the Internal Revenue Code and is not classified as a private foundation. Therefore, the Council is exempt from federal income tax. The Council files income tax returns in the U.S. federal jurisdiction. As of December 31, 2024, there are no tax positions for which the deductibility is certain but for which there is uncertainty regarding the timing of such deductibility.

Raw XML AppendixShowing 400 of 1,333 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Desc0Community Services (CS), Community Programs, Housing Services, and Energy Assistance - A multi-faceted program dedicated to serving our most vulnerable communities. CS strives to serve those in need wherever they are. In 2024 staff and volunteers prepared and served over 10,000 meals to people in need. Over 190 people gained job skills and work experience through our Employment Services programs. Our Resource Centers in three counties responded to over 16,500 requests for services and information. We secured housing for households experiencing homelessness or at risk of homelessness through permanent supportive housing, temporary housing, rental assistance, and eviction prevention services. Tenant enrichment services and other programs also provide benefit to the communities we serve. Over 1400 households received case management and/or rental assistance services through our housing programs. We provided over 13,000 payments for energy bills on behalf of households in need so they did not have to choose between paying for energy or other basic services.
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IRS990/Form990PartVIISectionAGrp/PersonNm0Greg Winter
IRS990/Form990PartVIISectionAGrp/PersonNm1Pamela Wheeler
IRS990/Form990PartVIISectionAGrp/PersonNm2David Foreman
IRS990/Form990PartVIISectionAGrp/PersonNm3Wendy Lawrence
IRS990/Form990PartVIISectionAGrp/PersonNm4Lisa Tsuchiya
IRS990/Form990PartVIISectionAGrp/PersonNm5Deborah Paton
IRS990/Form990PartVIISectionAGrp/PersonNm6Lorena Shah
IRS990/Form990PartVIISectionAGrp/PersonNm7Mark Tompkins
IRS990/Form990PartVIISectionAGrp/PersonNm8Paul Stermer
IRS990/Form990PartVIISectionAGrp/PersonNm9Ozell Jackson
IRS990/Form990PartVIISectionAGrp/PersonNm10Rebecca Boonstra
IRS990/Form990PartVIISectionAGrp/PersonNm11Sarabeth Bede
IRS990/Form990PartVIISectionAGrp/PersonNm12Steve Jones
IRS990/Form990PartVIISectionAGrp/PersonNm13Thomas Boucher
IRS990/Form990PartVIISectionAGrp/PersonNm14Sandy John
IRS990/Form990PartVIISectionAGrp/PersonNm15Mamie Lackie
IRS990/Form990PartVIISectionAGrp/PersonNm16Ramona Menish
IRS990/Form990PartVIISectionAGrp/PersonNm17Hannah Stone
IRS990/Form990PartVIISectionAGrp/PersonNm18Cindy Wolf
IRS990/Form990PartVIISectionAGrp/PersonNm19Kaylee Galloway
IRS990/Form990PartVIISectionAGrp/PersonNm20Kate Mistler
IRS990/Form990PartVIISectionAGrp/PersonNm21Christina Jackson
IRS990/Form990PartVIISectionAGrp/PersonNm22Jessie Goette
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IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
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