OPPORTUNITIES VENTURES INC (EIN 043586244) - 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

2002

Legal Domicile

Principal Officer

KATHARINE LAUD

Phone

8026544540

Tax Period

2023-01-01 to 2023-12-31

OPPORTUNITIES VENTURES INC, founded in 2002, is a micro nonprofit in the Community Improvement sector that reported $14K in total revenue in fiscal year 2023. Revenue fell 91% from the prior year — a significant decline worth monitoring. Expenses of $18K exceeded revenue, resulting in a 31% operating deficit.

Mission

TO PROVIDE AFFORDABLE CAPITAL AND FINANCIAL SERVICES TO INDIVIDUALS AND ORGANIZATIONS WITH LOW INCOME.

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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 $0

Program Service Revenue $13,901

Investment Income $0

Other Revenue $0

TOTAL REVENUE $13,901

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $13,552

Other Expenses $18,181

TOTAL EXPENSES $18,181

Year-over-Year Comparison

	2023	2022	Change
Revenue	$13,901	$158,054	-0.9%
Expenses	$18,181	$22,555	-0.2%
Net Income	$-4,280	$135,499	-1.0%

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
SHANA RATNER	SECRETARY	1.00	Officer Director	$0	$0	$0
GLENN VON BERNEWITZ	VICE PRESIDENT	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	$13,901	$18,181	$870,476	$-4,280
2022	$158,054	$22,555	$874,534	$135,499
2021	$32,563	$5,223	$737,441	$27,340
2020	$37,271	$81,683	$718,770	$-44,412
2019	$126,645	$15,200	$861,150	$111,445

OPPORTUNITIES VENTURES INC