ECONOMIC OPPORTUNITIES FUND (EIN 232998893) - 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

1999

Principal Officer

LYNNE CUTLER

Phone

2155645500

Tax Period

2023-10-01 to 2024-09-30

ECONOMIC OPPORTUNITIES FUND, founded in 1999, is a small nonprofit that reported $230K in total revenue in fiscal year 2023. Revenue fell 79% from the prior year — a significant decline worth monitoring. Expenses of $208K left a modest 10% surplus.

Mission

THE ORGANIZATION PROVIDES ACCESS TO FINANCIAL SERVICES AND CAPTIAL TO LOW INCOME AND UNDERSERVED POPULATIONS.

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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 $40,000

Program Service Revenue $145,342

Investment Income $45,003

Other Revenue $0

TOTAL REVENUE $230,345

Expense Breakdown

Grants Paid $0

Salaries & Benefits $77,793

Fundraising Expenses $2,727

Program Expenses $190,454

Other Expenses $130,325

TOTAL EXPENSES $208,118

Year-over-Year Comparison

	2023	2022	Change
Revenue	$230,345	$1,077,528	-0.8%
Expenses	$208,118	$749,962	-0.7%
Net Income	$22,227	$327,566	-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

$108,946

Total Directors

$108,946

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LYNNE CUTLER	PRESIDENT	20.00	Officer Director	$0	$8,387	$108,946
BARRY BRAIT	TREASURER	5.00	Officer Director	$0	$0	$0
JULIA DANZY	EX-OFFICIO	0.50	Director	$0	$0	$0
REGINA JEAN-BAPTISTE	DIRECTOR	5.00	Director	$0	$0	$0
MARY LIVINGSTON	DIRECTOR	5.00	Director	$0	$0	$0
DEBORAH ROUNICK	SECRETARY	5.00	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	$230,345	$208,118	$3,564,553	$22,227
2023	$1,077,528	$749,962	$3,641,729	$327,566
2022	$308,534	$544,636	$3,199,559	$-236,102
2021	$1,369,907	$475,291	$3,900,859	$894,616
2020	$1,641,347	$553,810	$2,855,372	$1,087,537
2019	$392,301	$392,109	$1,304,190	$192
2018	$320,761	$396,148	$1,348,764	$-75,387

ECONOMIC OPPORTUNITIES FUND