PEOPLES OPPORTUNITY FUND

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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

2010

Legal Domicile

Principal Officer

KENNETH TRIGUEIRO

Phone

8057813088

Tax Period

2024-07-01 to 2025-06-30

PEOPLES OPPORTUNITY FUND, founded in 2010, is a small nonprofit in the Housing & Shelter sector that reported $130K in total revenue in fiscal year 2024. Revenue surged 81% from the prior year, signaling strong growth momentum. The organization ran a surplus of $121K, a strong 93% operating margin.

Mission

TO PROMOTE COMMUNITY DEVELOPMENT BY CREATING SOCIAL AND ECONOMIC OPPORTUNITIES FOR LOW TO MODERATE INCOME INDIVIDUALS, HOUSEHOLDS, UNDERSERVED OR MARGINALIZED PEOPLES AND ENTITIES IN ECONOMICALLY DISTRESSED COMMUNITIES.

Program Service Accomplishments

Program 1

Revenue: $130,081

TO RAISE AND MANAGE CAPITAL IN THE FORM OF A REVOLVING LOAN POOL AND TO PROVIDE PRODUCTS AND SERVICES TO LOW TO MODERATE INCOME INDIVIDUALS OR HOUSEHOLDS, MARGINALIZED OR UNDERSERVED PEOPLES AND...

TO RAISE AND MANAGE CAPITAL IN THE FORM OF A REVOLVING LOAN POOL AND TO PROVIDE PRODUCTS AND SERVICES TO LOW TO MODERATE INCOME INDIVIDUALS OR HOUSEHOLDS, MARGINALIZED OR UNDERSERVED PEOPLES AND ENTITIES IN ECONOMICALLY DISTRESSED COMMUNITIES. THESE PRODUCTS AND SERVICES INCLUDE RESIDENTIAL LOANS, AFFORDABLE HOUSING LOANS, MICRO LOANS, FINANCING FOR COMMUNITY FACILITIES, FINANCIAL EDUCATION AND COUNSELING, TECHINCAL ASSISTANCE, AND OTHER FINANCIAL DEVELOPMENT SERVICES CONSISTENT WITH THE ORGANZATIONS CHARITABLE PURPOSES. IN 2025 PEOPLES OPPORTUNITY FUND SERVICED 52 CALHOME NOTES AND 1 ADDITIONAL 2ND TRUST DEEDS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $130,081

Investment Income $0

Other Revenue $0

TOTAL REVENUE $130,081

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $9,406

TOTAL EXPENSES $9,406

Year-over-Year Comparison

	2024	2023	Change
Revenue	$130,081	$72,008	+0.8%
Expenses	$9,406	$239,952	-1.0%
Net Income	$120,675	$-167,944	-1.7%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KENNETH TRIGUEIRO	CHAIRPERSON	5.00	Officer Director	$0	$0	$0
GRIFFIN MOORE	VICE CHAIRPE	5.00	Officer Director	$0	$0	$0
CHRISTI WARE	TREASURER	2.00	Officer Director	$0	$0	$0
NICOLE RAMOS	SECRETARY	2.00	Officer	$0	$0	$0
JIMMY SUMMER	ASSISTANT TR	2.00	Officer	$0	$0	$0
VERONICA GARCIA	ASSISTANT SE	2.00	Officer	$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
2025	$130,081	$9,406	$1,389,515	$120,675
2024	$72,008	$239,952	$1,268,708	$-167,944
2023	$61,279	$11,027	$1,433,702	$50,252
2022	$120,228	$9,499	$1,389,050	$110,729
2021	$151,412	$11,889	$1,270,748	$139,523
2019	$54,222	$8,436	$975,151	$45,786