THE OPPORTUNITY FUND (EIN 954120054) - 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

1987

Legal Domicile

Phone

8184818989

Tax Period

2024-01-01 to 2024-12-31

THE OPPORTUNITY FUND, founded in 1987, is a micro nonprofit that reported $9K in total revenue in fiscal year 2024. Revenue fell 56% from the prior year — a significant decline worth monitoring. Expenses of $15K exceeded revenue, resulting in a 76% operating deficit.

Mission

TO PROVIDE FUNDING TO ORGANIZATIONS THAT PROMOTE THE PUBLIC GOOD.

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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 $8,795

Other Revenue $0

TOTAL REVENUE $8,795

Expense Breakdown

Grants Paid $10,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $11,447

Other Expenses $5,491

TOTAL EXPENSES $15,491

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,795	$20,005	-0.6%
Expenses	$15,491	$87,831	-0.8%
Net Income	$-6,696	$-67,826	-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

N/A

Volunteers

N/A

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
CHUCK SCOFIELD	Director	1.00	Director	$0	$0	$0
MARY LOUISE COHEN	Chair	1.00	Director	$0	$0	$0
BRUCE COHEN	Director	1.00	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
2024	$8,795	$15,491	$185,538	$-6,696
2023	$20,005	$87,831	$192,234	$-67,826
2022	$30,494	$81,967	$260,060	$-51,473
2021	$56,843	$89,062	$311,533	$-32,219
2020	$-31,334	$84,268	$343,752	$-115,602
2019	$16,723	$110,485	$465,304	$-93,762
2018	$13,304	$138,796	$553,116	$-125,492

THE OPPORTUNITY FUND