ACCION OPPORTUNITY FUND INC (EIN 454127501) - 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

2011

Legal Domicile

Principal Officer

DAVID COULTAS

Phone

4082970204

Tax Period

2024-07-01 to 2025-06-30

ACCION OPPORTUNITY FUND INC, founded in 2011, is a small nonprofit in the Community Improvement sector that reported $208K in total revenue in fiscal year 2024. Revenue decreased 16% compared to the prior year. Expenses of $1.4M exceeded revenue, resulting in a 562% operating deficit.

Mission

TO ASSIST IN BUILDING WORLD CLASS MICROFINANCE INSTITUTIONS (SEE SCHEDULE O FOR CONTINUATION)IN THE UNITED STATES TO ENHANCE ECONOMIC DEVELOPMENT AND INDIVIDUALS' SELF SUFFICIENCY THROUGH INCREASING ACCESS TO CREDIT AND OTHERWISE PROMOTING FINANCIAL INCLUSION AND FINANCIAL HEALTH THROUGH TRAINING AND MENTORING FOR MEMBERS OF LOW-TO-MODERATE INCOME COMMUNITIES.

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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 $0

Investment Income $207,850

Other Revenue $0

TOTAL REVENUE $207,850

Expense Breakdown

Grants Paid $1,050,000

Salaries & Benefits $258,933

Fundraising Expenses $0

Program Expenses $1,050,000

Other Expenses $67,748

TOTAL EXPENSES $1,376,681

Year-over-Year Comparison

	2024	2023	Change
Revenue	$207,850	$248,043	-0.2%
Expenses	$1,376,681	$677,415	+1.0%
Net Income	$-1,168,831	$-429,372	+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

$852,432

Total Directors

$392,069

Key Employees

$210,424

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LUZ DE LOURDES LOPEZ URRUTIA	CHIEF EXECUTIVE OFFICER	2.00	Officer Director	$0	$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	2.00	Officer	$0	$42,049	$460,363
ANNA SCHEMBER	CHIEF OF STAFF	2.00	Key Emp	$0	$18,934	$210,424

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	$207,850	$1,376,681	$3,349,201	$-1,168,831
2024	$248,043	$677,415	$4,468,032	$-429,372
2023	$196,124	$1,981,576	$5,704,404	$-1,785,452
2022	$4,910,082	$4,691,949	$7,253,387	$218,133
2021	$6,244,507	$3,828,061	$6,172,057	$2,416,446
2018	$5,401,458	$4,662,138	$5,022,482	$739,320

ACCION OPPORTUNITY FUND INC