OPPORTUNITIES INC (EIN 043586239) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1989

Legal Domicile

Principal Officer

KATHARINE LAUD

Phone

8026544540

Tax Period

2023-01-01 to 2023-12-31

OPPORTUNITIES INC, founded in 1989, is a micro nonprofit in the Community Improvement sector that reported $53K in total revenue in fiscal year 2023. Revenue fell 75% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $26K, a strong 49% operating margin.

Mission

PROVIDE AFFORDABLE CAPITAL AND FINANCIAL SERVICES TO UNDERSERVED MEMBERS OF THE COMMUNITY.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $48,000

Program Service Revenue $0

Investment Income $4,907

Other Revenue $0

TOTAL REVENUE $52,907

Expense Breakdown

Grants Paid $14,114

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $14,114

Other Expenses $13,005

TOTAL EXPENSES $27,119

Year-over-Year Comparison

	2023	2022	Change
Revenue	$52,907	$211,517	-0.7%
Expenses	$27,119	$26,850	+0.0%
Net Income	$25,788	$184,667	-0.9%

Key Indicators

✓ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$303,860

Total Directors

$303,860

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATHARINE LAUD	PRESIDENT & CEO	1.00	Officer Director	$0	$14,195	$178,814
ERIN METIVIER	TREASURER, CFO & COO	1.00	Officer Director	$0	$12,171	$125,046
SHANNA RATNER	VICE CHAIR	1.00	Officer Director	$0	$0	$0
GLENN VON BERNEWITZ	SECRETARY	1.00	Officer Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$52,907	$27,119	$755,545	$25,788
2022	$211,517	$26,850	$729,757	$184,667

OPPORTUNITIES INC