OPPORTUNITIES INC

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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

1965

Legal Domicile

Principal Officer

KARLA SEAMAN

Phone

4067610310

Tax Period

2024-04-01 to 2025-03-31

OPPORTUNITIES INC, founded in 1965, is a mid-sized nonprofit in the Human Services sector that reported $12.6M in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year.

Mission

Opportunities, Inc. partnering within each community, will respectfully support and educate individuals to achieve self-reliance.

Program Service Accomplishments

Program 1

Expenses: $6,374,806 Revenue: $24,470

Headstart and Early Headstart - Providing comprehensive services to income eligible children age 0 to school age and their families in Great Falls, Conrad, Cut Bank, Vaughn And Shelby, Montana. The program develops, administers, and implements programs for the educational, social, health, nutritional, and psychological needs of over 369 children.

Program 2

Expenses: $3,050,716 Revenue: $26,908

Energy Programs - Energy conservation measures to conserve the amount of energy used by low-income families through the improvement of their homes heating efficiency, as well as through education in ways to permanently reduce energy consumption. Priority is given to high energy consumers. Primary heating costs are also subsidized through fuel assistance programs. These services benefitted over 2,817 households.

Program 3

Expenses: $766,998 Revenue: $3,810

Emergency Food and Shelter Programs provide aid to persons in acquiring basic necessities, as well as helping them access resources within the community to provide emergency food and shelter, and...

Emergency Food and Shelter Programs provide aid to persons in acquiring basic necessities, as well as helping them access resources within the community to provide emergency food and shelter, and mid-term assistance to families and individuals to mentor, train, and re-house those in extreme need. Emergency services were provided to 2,091 individuals.

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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 $12,582,116

Program Service Revenue $101,955

Investment Income $0

Other Revenue $-45,632

TOTAL REVENUE $12,638,439

Expense Breakdown

Grants Paid $2,588,449

Salaries & Benefits $7,320,588

Fundraising Expenses $0

Program Expenses $10,914,224

Other Expenses $2,629,325

TOTAL EXPENSES $12,538,362

Year-over-Year Comparison

	2024	2023	Change
Revenue	$12,638,439	$13,461,788	-0.1%
Expenses	$12,538,362	$12,058,822	+0.0%
Net Income	$100,077	$1,402,966	-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

197

Volunteers

350

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

$263,944

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KARLA SEAMAN	Executive Dir.	40.00	Officer	$123,299	$0	$123,299
CHERYL WHITE	FISCAL OFFICER	40.00	Officer	$78,509	$10,398	$88,907
SARAH DEROSIER	FISCAL OFFICER	40.00	Officer	$46,760	$4,978	$51,738
MARY ANN HARWOOD	President	2.00	Officer Director	$0	$0	$0
GAIL BELFERT	1ST VICE PRES.	2.00	Officer Director	$0	$0	$0
JAMES LARSON	2ND VICE PRES	2.00	Officer Director	$0	$0	$0
MELISSA DARKO	3RD VICE PRES.	2.00	Officer Director	$0	$0	$0
SKYLER BILBREY	Secretary	2.00	Officer Director	$0	$0	$0
BOB MEYERS	Treasurer	2.00	Officer Director	$0	$0	$0
CLAY RIEHL	BOARD MEMBER	2.00	Director	$0	$0	$0
JIM MORREN	BOARD MEMBER	2.00	Director	$0	$0	$0
SAM CARLSON	BOARD MEMBER	2.00	Director	$0	$0	$0
NAPI BILLEDEAUX	BOARD MEMBER	2.00	Director	$0	$0	$0
KATIE ADAMS	BOARD MEMBER	2.00	Director	$0	$0	$0
ABIGAIL HILL	BOARD MEMBER	2.00	Director	$0	$0	$0
SHARON M ANDERSON	BOARD MEMBER	2.00	Director	$0	$0	$0
LINNET DOANE	BOARD MEMBER	2.00	Director	$0	$0	$0
MARTIN NORUNNER	BOARD MEMBER	2.00	Director	$0	$0	$0
SANDI FILIPOWICZ	BOARD MEMBER	2.00	Director	$0	$0	$0
JASMINE ROBERTSON	BOARD MEMBER	2.00	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
2025	$12,638,439	$12,538,362	$7,441,034	$100,077
2024	$13,461,788	$12,058,822	$7,476,681	$1,402,966
2023	$13,354,585	$12,661,514	$6,329,111	$693,071
2022	$10,995,125	$10,547,565	$5,119,377	$447,560
2021	$10,002,725	$9,699,318	$4,805,163	$303,407
2020	$9,673,060	$9,705,237	$4,081,559	$-32,177
2020	$9,673,060	$9,705,237	$4,081,559	$-32,177
2019	$9,362,576	$9,325,771	$4,038,935	$36,805