ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT (EIN 311719434) - 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

1993

Legal Domicile

Principal Officer

DAVID COULTAS

Phone

4082970204

Tax Period

2024-07-01 to 2025-06-30

ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT, founded in 1993, is a mid-sized nonprofit in the Community Improvement sector that reported $71.1M in total revenue in fiscal year 2024. Revenue surged 60% from the prior year, signaling strong growth momentum. The organization ran a surplus of $12.4M, a strong 17% operating margin.

Mission

TO DELIVER AFFORDABLE CAPITAL AND RESPONSIBLE FINANCIAL SOLUTIONS TO (CONTINUED ON SCHEDULE O) UNDERSERVED ENTREPRENEURS AND COMMUNITIES, WITH A SPECIAL FOCUS ON LOW-INCOME PEOPLE, PEOPLE OF COLOR, AND WOMEN.

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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 $31,111,378

Program Service Revenue $37,685,401

Investment Income $2,341,355

Other Revenue $0

TOTAL REVENUE $71,138,134

Expense Breakdown

Grants Paid $2,190,000

Salaries & Benefits $21,887,721

Fundraising Expenses $1,509,256

Program Expenses $49,522,436

Other Expenses $34,611,897

TOTAL EXPENSES $58,689,618

Year-over-Year Comparison

	2024	2023	Change
Revenue	$71,138,134	$44,456,188	+0.6%
Expenses	$58,689,618	$55,470,785	+0.1%
Net Income	$12,448,516	$-11,014,597	-2.1%

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

167

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

$852,432

Total Directors

$392,069

Key Employees

$2,915,692

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LUZ DE LOURDES LOPEZ URRUTIA	CHIEF EXECUTIVE OFFICER	38.00	Officer Director	$366,073	$25,996	$392,069
GREG AVIS	BOARD CHAIR	1.50	Officer Director	$0	$0	$0
CARETHA COLEMAN	VICE CHAIR	1.50	Officer Director	$0	$0	$0
SWATI BHATIA	SECRETARY	1.50	Officer Director	$0	$0	$0
TODD BAKER	DIRECTOR	1.50	Director	$0	$0	$0
GOPI BILA	DIRECTOR	1.50	Director	$0	$0	$0
PHIL BLACK	DIRECTOR	1.50	Director	$0	$0	$0
DICKSON CHU	DIRECTOR	1.50	Director	$0	$0	$0
SOLANA COZZO	DIRECTOR	1.50	Director	$0	$0	$0
JONI CROPPER	DIRECTOR	1.50	Director	$0	$0	$0
DEBRA ENGEL	DIRECTOR	1.50	Director	$0	$0	$0
MADELEINE FACKLER	DIRECTOR	1.50	Director	$0	$0	$0
BRIAN GRAHAM	DIRECTOR	1.50	Director	$0	$0	$0
PARKER HUDNUT	DIRECTOR	1.50	Director	$0	$0	$0
LATA KRISHNAN	DIRECTOR	1.50	Director	$0	$0	$0
JUANITA LOTT	DIRECTOR	1.50	Director	$0	$0	$0
SAMUEL RAMOS	DIRECTOR	1.50	Director	$0	$0	$0
MICHAEL SCHLEIN	DIRECTOR	1.50	Director	$0	$0	$0
DIANA TAYLOR	DIRECTOR	1.50	Director	$0	$0	$0
KARTHIK VENKATARAMAN	DIRECTOR	1.50	Director	$0	$0	$0
DAVID COULTAS	CHIEF FINANICAL AND OPERATING OFFICER	38.00	Officer	$418,314	$42,049	$460,363
ROBERT KERN SEARS	CHIEF TECHNOLOGY & STRATEGY OFFICER	40.00	Key Emp	$353,795	$35,799	$389,594
AUGUSTO VAZQUEZ	CHIEF REVENUE OFFICER	40.00	Key Emp	$345,839	$34,368	$380,207
ANJANA THATTE THATTE BERDE	CHIEF PEOPLE OFFICER (THRU 02/25)	40.00	Key Emp	$339,471	$33,614	$373,085
CHRISTOPHER PILKERTON	CHIEF LEGAL & REG STRA OFFICER (THRU 02/25)	40.00	Key Emp	$315,955	$34,026	$349,981
PATNY SANJEEV	CHIEF CREDIT OFFICER	40.00	Key Emp	$319,946	$16,862	$336,808
LUIS RODRIGUEZ	CHIEF OPERATIONS & SERVICING OFFICER	40.00	Key Emp	$300,841	$20,104	$320,945
GRETCHEN RUETHLING	SVP, STRATEGIC PARTNERSHIPS AND PROGRAMS (THRU 02/	40.00	Key Emp	$258,668	$36,810	$295,478
VERONICA FIGOLI FLEISCHER	CHIEF DEVELOPMENT OFFICER (THRU 05/25)	40.00	Key Emp	$250,088	$9,082	$259,170
ANNA SCHEMBER	CHIEF OF STAFF	38.00	Key Emp	$191,490	$18,934	$210,424
WILLIAMS WATSON	NATIONAL SALES MANAGER	40.00	Highest	$598,419	$43,883	$642,302
LAUREN N VAN DER TUIN	CHIEF CUSTOMER EXPERIENCE OFFICER	40.00	Highest	$309,154	$32,885	$342,039
KEVIN P GABEL	VP, PRODUCT	40.00	Highest	$308,296	$39,698	$347,994
ADRIANA EIRIZ	SVP, PARTNERSHIP & STRATEGIC GROWTH	40.00	Highest	$259,674	$22,225	$281,899
JOE WILLIAMS	SR. DIRECTOR, INFORMATION TECHNOLOGY OPS	40.00	Highest	$236,977	$34,894	$271,871

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	$71,138,134	$58,689,618	$257,311,734	$12,448,516
2024	$44,456,188	$55,470,785	$217,343,540	$-11,014,597
2023	$50,501,448	$51,481,991	$228,764,404	$-980,543
2022	$58,948,332	$36,949,147	$197,674,592	$21,999,185
2021	$53,600,614	$37,865,674	$200,481,759	$15,734,940
2020	$45,705,804	$35,943,453	$131,694,141	$9,762,351
2019	$30,948,868	$31,063,419	$120,500,262	$-114,551
2018	$23,892,492	$25,900,577	$101,313,439	$-2,008,085

ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT