OPPORTUNITY LINK INC (EIN 421628365) - 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

2004

Legal Domicile

Principal Officer

RICHARD SANGREY

Phone

4062653699

Tax Period

2024-07-01 to 2025-06-30

OPPORTUNITY LINK INC, founded in 2004, is a community nonprofit in the Housing & Shelter sector that reported $1.4M in total revenue in fiscal year 2024. Revenue surged 116% from the prior year, signaling strong growth momentum. The organization ran a surplus of $717K, a strong 52% operating margin.

Mission

OPPORTUNITY LINK, A NON-PROFIT ORGANIZATION, IS COMMITTED TO ASSISTING 11 COUNTIES AND 3 RESERVATIONS AND CONTINUES TO ASSIST THE COMMUNITIES OF NORTHCENTRAL MONTANA ACHIEVE AND SUSTAIN INDEPENDENCE, PROSPERITY, AND A BETTER WAY OF LIFE.

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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 $1,336,867

Program Service Revenue $45,258

Investment Income $-17,602

Other Revenue $4,180

TOTAL REVENUE $1,368,703

Expense Breakdown

Grants Paid $0

Salaries & Benefits $360,016

Fundraising Expenses $0

Program Expenses $577,645

Other Expenses $291,570

TOTAL EXPENSES $651,586

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,368,703	$634,779	+1.2%
Expenses	$651,586	$809,358	-0.2%
Net Income	$717,117	$-174,579	-5.1%

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

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

$160,674

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD SANGREY	CHAIR	2.00	Officer Director	$0	$0	$0
JEANNE BAKER	VICE-CHAIR	2.00	Officer Director	$0	$0	$0
WILLOWA SIS HORN	TREASURER	2.00	Officer Director	$0	$0	$0
LORETTE CARTER	SECRETARY (TERMED 5/25)	2.00	Officer Director	$0	$0	$0
SCOTT GEDA	DIRECTOR	2.00	Director	$0	$0	$0
PAULA ENKERUD	DIRECTOR	2.00	Director	$0	$0	$0
MARY RUTH ST PIERRE	DIRECTOR	2.00	Director	$0	$0	$0
GERALD GRAY	DIRECTOR	2.00	Director	$0	$0	$0
BARBARA STIFFARM	EXECUTIVE DIRECTOR	40.00	Officer	$78,324	$20,093	$98,417
SUSANN THARP	FINANCE MANAGER	40.00	Officer	$57,938	$4,319	$62,257

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	$1,368,703	$651,586	$1,677,864	$717,117
2024	$634,779	$809,358	$958,458	$-174,579
2023	$628,306	$742,434	$1,141,389	$-114,128
2022	$500,712	$692,797	$1,321,328	$-192,085
2021	$1,351,439	$554,980	$1,566,978	$796,459
2020	$661,089	$603,719	$772,801	$57,370
2019	$425,137	$564,474	$544,588	$-139,337
2018	$595,037	$556,819	$691,670	$38,218

OPPORTUNITY LINK INC