2024-11-12T15:23:31-06:00 2023-12-31 420714325 RSM US LLP 4650 EAST 53RD STREET DAVENPORT IA 528073479 990 2023-01-01 043586239 OPPORTUNITIES INC OPPO 8026544540 25 WINOOSKI FALLS WAY 203 WINOOSKI VT 054040067 ERIN METIVIER CFO/COO 8026544540 2024-11-11 1 1 JENIFER L CHASE P01306883 5638884000 2024-11-11 2023 2024-10-15 13:58:12Z KATHARINE LAUD 25 WINOOSKI FALLS WAY 203 WINOOSKI VT 054040067 52907 0 X OPPSVT.ORG X 1989 VT PROVIDE AFFORDABLE CAPITAL AND FINANCIAL SERVICES TO UNDERSERVED MEMBERS OF THE COMMUNITY. 4 2 0 4 0 0 210631 48000 0 0 886 4907 0 0 211517 52907 24420 14114 0 0 0 0 0 0 0 2430 13005 26850 27119 184667 25788 729757 755545 0 0 729757 755545 PROVIDE AFFORDABLE CAPITAL AND FINANCIAL SERVICES TO UNDERSERVED MEMBERS OF THE COMMUNITY. 0 0 13709 13709 MEMBERS OF OPPORTUNITIES CREDIT UNION, A RELATED TAX EXEMPT ENTITY, WHO HAVE EMERGENCY NEEDS NOT MET BY CURRENT PROGRAMS CAN OBTAIN A LOAN THAT IS GUARANTEED BY THIS FUND ALLOWING THEM TO ADDRESS EMERGENCY AUTO, MEDICAL AND OTHER FAMILY ISSUES INCLUDING BARRIERS TO HOUSING, FUNERAL EXPENSES AND OTHER CRITICAL NEEDS. 405 405 OPPORTUNITY INC. PROVIDES REWARDS AND INITIAL SHARE DEPOSITS FOR UNBANKED AND UNDERSERVED CHILDREN TO ALLOW THEM TO HAVE BANK ACCOUNTS. OPPORTUNITIES INC. HOLDS GRANTS AND DONATED FUNDS. EXAMPLES INCLUDE LOAN FUNDS FOR SMALL BUSINESS, FUNDS TO PAY CITIZENSHIP EXPENSES, EMERGENCY LOAN FUNDS, AND LOAN FUNDS FOR LOW OR NO CREDIT SCORE BUSINESSES AND OTHERS. 14114 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 X 4 2 0 0 0 0 0 0 0 1 0 0 0 1 1 0 0 1 1 0 0 0 X ERIN METIVIER 8026544540 25 WINOOSKI FALLS WAY SUITE 203 WINOOSKI VT 054040067 KATHARINE LAUD PRESIDENT & CEO 1.00 41.00 X X 0 164619 14195 ERIN METIVIER TREASURER, CFO & COO 1.00 41.00 X X 0 112875 12171 SHANNA RATNER VICE CHAIR 1.00 1.00 X X 0 0 0 GLENN VON BERNEWITZ SECRETARY 1.00 2.00 X X 0 0 0 0 277494 26366 0 0 1 0 0 48000 48000 4907 4907 52907 0 0 4907 13709 13709 405 405 6000 6000 946 946 CHARGE OFFS AND RECOVER 6059 6059 27119 14114 13005 0 729757 755545 729757 755545 0 0 X 0 0 0 0 729757 755545 729757 755545 729757 755545 25788 0 X 0 0 0 X 29144 131 230514 210631 48000 518420 29144 131 230514 210631 48000 518420 119572 398848 3885 2376 885 886 4907 12939 39 39 531398 0.75060 0.81520 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 1 OPPORTUNITIES CREDIT UNION 25 WINOOSKI FALLS WAY STE 203 WINOOSKI VT 05404 030321712 501(C)14 13609 0 GENERAL SUPPORT 0 1 GILLIGAN FUND 21 405 PART I, LINE 2: OPPORTUNITIES INC PROVIDES FUNDS TO OPPORTUNITIES CREDIT UNION, A RELATED ORGANIZATION, TO BE USED AT THEIR DISCRETION FOR REDUCING THE INTEREST RATE ON VEHICLE LOANS. OPPORTUNITIES INC PROVIDES FUNDS TO KIDS TO FUND INITIAL DEPOSITS INTO THEIR SAVINGS AND CHECKING ACCOUNTS. THESE FUNDS ARE TO BE USED AT THE INDIVIDUAL'S DISCRETION. 0 0 0 0 0 0 0 0 0 KATHARINE LAUD PRESIDENT & CEO 0 164369 0 250 0 0 0 5808 0 8387 0 178814 0 0 FORM 990, PART VI, SECTION A, LINE 8B OPPORTUNITIES INC. DOES NOT HAVE COMMITTEES THAT MAY ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 WILL BE REVIEWED BY THE CHIEF EXECUTIVE OFFICER OF OPPORTUNITIES INC. BEFORE IT IS FILED. A COPY OF THE FORM 990 WILL BE PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND UNAUDITED FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST IN THE SAME TIME AND MANNER AS OTHER DISCLOSURES REQUIRED UNDER INTERNAL REVENUE CODE SECTION 6104. OPPORTUNITIES CREDIT UNION 25 WINOOSKI FALLS WAY SUITE 203 WINOOSKI VT 05404 030321712 PROVIDES BANKING SERVICES TO LOW-INCOME INDIVIDUALS VT 501(C)(14) N/A 0 OPPORTUNITIES VENTURES INC 25 WINOOSKI FALLS WAY STE 203 WINOOSKI VT 05404 043586244 PROVIDES REVOLVING LOANS TO QUALIFIED INDIVIDUALS FOR VARIOUS PURPOSES VT 501(C)(3) LINE 10 OPPORTUNITIES INC 1 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0