Opportunities Inc

Nonprofit profile at a glance

EIN
810295813
IRS 990 coverage
2015–2024
Forms available
Form 990 2024, Form 990-T 2024
Location
Great Falls, MT, USA
Phone
4067610310
Rating
86
Verdict
STRONG
Rating confidence
Moderate
Sector
Human Service Organizations

Official website

Reported finances

Revenue
$12,638,439
Expenses
$12,538,362
Assets
$7,441,034
Liabilities
$1,760,394

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

20 people listed

Executive titles in this filing

  • MARY ANN HARWOOD (President)

Highest reported compensation

  • KARLA SEAMAN (Executive Dir.): $123,299 total reported compensation
  • CHERYL WHITE (FISCAL OFFICER): $88,907 total reported compensation
  • SARAH DEROSIER (FISCAL OFFICER): $51,738 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

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

What it reported doing in 2024

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.

Operating model

Revenue model
Grant-funded. 99% of the money available for current operations came from government grants.
Distribution model
Hybrid. The nonprofit split its reported program spending across 76% for direct work, and 24% for grants.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.

Rating breakdown

  • Financial Efficiency: 77
  • Transparency & Controls: 94
  • Accountability: 100
  • Sustainability: 39
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 86.4%; rating input score 86
  • Program expense ratio: 87%; rating input score 87
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 62nd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 100%; rating input score 100; 72nd percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 66th percentile among comparable filings
  • Governance controls: 8 of 8 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 0.8%; rating input score 37; 37th percentile among comparable filings
  • Total-asset coverage ratio: 0.59; rating input score 20; 20th percentile among comparable filings
  • Liabilities to assets ratio: 0.24; rating input score 54; 54th percentile among comparable filings
  • Officer compensation ratio: 2.1%; rating input score 76; 76th percentile among comparable filings

Growth

  • Program expense growth: 4.8% per year; rating input score 100; 40th percentile among comparable filings
  • Revenue growth: 5.7% per year; rating input score 100; 49th percentile among comparable filings
  • Asset growth: 9.5% per year; rating input score 100; 62nd percentile among comparable filings

Details

  • Where the money goes: 86.4% of revenue deployed · 87% of spending went to programs
  • Governance: 17 of 17 board members independent · 8 of 8 filing controls reported
  • Programs: 5 filed program accomplishments · $10.9M in reported program spending
  • Leadership: top reported pay $123K · 20 people listed
  • Consistency: 31 of 31 current checks pass
  • Schedules: 5 filed schedules · includes major donors and grants
  • Filing history: 10 filing years from 2015 to 2024
  • Contacts: How to reach this organization
  • Money network: 3 filed money-flow records
  • Related organizations: Filed and resolved organization relationships.
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

Grant-readiness screening is separate from the live rating, not a measure of program quality. Review the source records before making a grant decision.

  • Moderate — Sustainability: Operating margin scored 37/100.
  • High — Sustainability: Total-asset coverage ratio scored 20/100.
  • Review — Sustainability: Liabilities to assets ratio scored 54/100.
  • High — Grant Readiness: Federal audit findings: this organization reported findings in its latest federal Single Audit.