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Opportunities Credit Union

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Summary charts: organization finances over time

Revenue
$4.52M (2023)

Expenses
$4.43M (2023)

Total Assets
$65.7M (2023)

Total Liabilities
$59.3M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings and Audits by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Audits are required to be submitted by nonprofit organizations that spend $750,000 or more in federal grant money in a fiscal year. "Single audits" look at the entire organization's finances and compliance, while other audits are program specific. Nonprofit Explorer has PDFs of audits for some nonprofits for fiscal year 2015 and later. Audit data is from the Federal Audit Clearinghouse.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,515,877
Expenses
$4,426,983
Net Income
$88,894
Net Assets
$6,378,092
Notable Sources of Revenue Percent of Total Revenue
Contributions $937,522
20.8%
Program Services $3,371,605
74.7%
Investment Income $206,750
4.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $303,860
6.9%
Professional Fundraising Fees $0
Other Salaries and Wages $1,459,365
33.0%
Assets/Debt
Total Assets $65,716,416
Total Liabilities $59,338,324
Net Assets $6,378,092
Compensation
Key Employees and Officers Compensation Related Other
Katharine Laud (President) $164,619 $0 $14,195
Erin Metivier (Cfo/Coo) $112,875 $0 $12,171
Glenn Von Bernewitz (Chair) $0 $0 $0
Leigh Cole (Vice Chair) $0 $0 $0
Tim George (Secretary/Treasurer) $0 $0 $0
Agnes Cook (Former Secretary/Treasurer) $0 $0 $0
Amanda Angell (Former Director) $0 $0 $0
Charles Baker (Director) $0 $0 $0
Amitava Biswas (Director) $0 $0 $0
Jacoub Bogre (Director) $0 $0 $0
Zuzana Brochu (Director) $0 $0 $0
Gary Eley (Director) $0 $0 $0
Andrew Flewelling (Director) $0 $0 $0
Van Dora Williams (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,637,677
Expenses
$4,512,898
Net Income
$124,779
Net Assets
$6,226,828
Notable Sources of Revenue Percent of Total Revenue
Contributions $1,516,086
32.7%
Program Services $3,019,452
65.1%
Investment Income $102,139
2.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $304,280
6.7%
Professional Fundraising Fees $0
Other Salaries and Wages $1,269,032
28.1%
Assets/Debt
Total Assets $63,188,457
Total Liabilities $56,961,629
Net Assets $6,226,828
Compensation
Key Employees and Officers Compensation Related Other
Katharine Laud (President) $166,042 $0 $23,106
Erin Metivier (Sr Finance/Hr Manager) $103,217 $0 $11,915
Charles Baker (Chair) $0 $0 $0
Glenn Von Bernewitz (Vice Chair) $0 $0 $0
Agnes Cook (Secretary/Treasurer) $0 $0 $0
Amanda Angell (Director) $0 $0 $0
Amitava Biswas (Director) $0 $0 $0
Jacoub Bogre (Director) $0 $0 $0
Zuzana Brochu (Director) $0 $0 $0
Leigh Cole (Director) $0 $0 $0
Gary Eley (Director) $0 $0 $0
Andrew Flewelling (Director) $0 $0 $0
Tim George (Director) $0 $0 $0
Martin Hoak (Director (Until 4/26/22)) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,891,692
Expenses
$3,282,216
Net Income
$609,476
Net Assets
$6,223,729
Notable Sources of Revenue Percent of Total Revenue
Contributions $460,352
11.8%
Program Services $3,386,475
87.0%
Investment Income $44,865
1.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $269,355
8.2%
Professional Fundraising Fees $0
Other Salaries and Wages $996,179
30.4%
Assets/Debt
Total Assets $59,732,951
Total Liabilities $53,509,222
Net Assets $6,223,729
Compensation
Key Employees and Officers Compensation Related Other
Katharine Laud (President) $146,289 $0 $14,291
Erin Metivier (Sr Finance/Hr Manager) $96,624 $0 $12,151
Charles Baker (Chair) $0 $0 $0
Glenn Von Bernewitz (Vice Chair) $0 $0 $0
Agnes Cook (Secretary/Treasurer) $0 $0 $0
Amanda Angell (Director) $0 $0 $0
Amitava Biswas (Director) $0 $0 $0
Jacoub Bogre (Director) $0 $0 $0
Leigh Cole (Director) $0 $0 $0
Gary Eley (Director) $0 $0 $0
Andrew Flewelling (Director) $0 $0 $0
Martin Hoak (Director) $0 $0 $0
Ryan Hargraves (Director (Until Aug 2021)) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,370,505
Expenses
$3,352,612
Net Income
$17,893
Net Assets
$5,614,253
Notable Sources of Revenue Percent of Total Revenue
Contributions $150,000
4.5%
Program Services $3,174,191
94.2%
Investment Income $46,314
1.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $258,447
7.7%
Professional Fundraising Fees $0
Other Salaries and Wages $1,105,912
33.0%
Assets/Debt
Total Assets $53,678,583
Total Liabilities $48,064,330
Net Assets $5,614,253
Compensation
Key Employees and Officers Compensation Related Other
Katharine Laud (President) $127,328 $0 $28,514
Erin Metivier (Sr Finance/Hr Manager) $90,295 $0 $11,629
Charles Baker (Chair) $0 $0 $0
Glenn Von Bernewitz (Vice Chair) $0 $0 $0
Agnes Cook (Secretary/Treasurer) $0 $0 $0
Amanda Angell (Director) $0 $0 $0
Amitava Biswas (Director) $0 $0 $0
Jacoub Bogre (Director) $0 $0 $0
Leigh Cole (Director) $0 $0 $0
Gary Eley (Director) $0 $0 $0
Andrew Flewelling (Director) $0 $0 $0
Ryan Hargraves (Director) $0 $0 $0
Martin Hoak (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,362,082
Expenses
$3,286,690
Net Income
$75,392
Net Assets
$5,596,360
Notable Sources of Revenue Percent of Total Revenue
Contributions $673,184
20.0%
Program Services $2,612,575
77.7%
Investment Income $76,323
2.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $257,748
7.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,173,364
35.7%
Assets/Debt
Total Assets $43,417,963
Total Liabilities $37,821,603
Net Assets $5,596,360
Compensation
Key Employees and Officers Compensation Related Other
Cheryl Fatnassi (President (Until 12/31/19)) $125,300 $0 $9,185
Erin Metivier (Sr Finance/Hr Manager) $75,511 $0 $7,460
Kate Laud (President (As Of 9/9/19)) $38,759 $0 $0
Charles Baker (Chair) $0 $0 $0
Michael Tuttle (1 St Vice Chair/Treasurer (Until 1/1/19)) $0 $0 $0
Agnes Cook (2 Nd Vice Chair/Secretary) $0 $0 $0
Amitava Biswas (Director) $0 $0 $0
Jacoub Bogre (Director) $0 $0 $0
Gary Eley (Director) $0 $0 $0
Martin Hoak (Director) $0 $0 $0
Steven Klein (Director (Until 12/31/19)) $0 $0 $0
Shanna Ratner (Director (Until 1/29/19)) $0 $0 $0
Glenn Von Bernewitz (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,292,847
Expenses
$2,920,334
Net Income
$372,513
Net Assets
$5,520,968
Notable Sources of Revenue Percent of Total Revenue
Contributions $752,473
22.9%
Program Services $2,456,077
74.6%
Investment Income $84,297
2.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $150,318
5.1%
Professional Fundraising Fees $0
Other Salaries and Wages $1,105,260
37.8%
Assets/Debt
Total Assets $38,265,091
Total Liabilities $32,744,123
Net Assets $5,520,968
Compensation
Key Employees and Officers Compensation Related Other
Cheryl Fatnassi (President) $122,800 $0 $9,098
Erin Metivier (Sr Finance/Hr Manager) $69,530 $0 $12,048
Charles Baker (Chair) $0 $0 $0
Ellen Kane (Board Chair (Jan Feb)) $0 $0 $0
Steven Klein (Vice Chair & Secretary) $0 $0 $0
Agnes Cook (2 Nd Vice Chair & Board Treasurer) $0 $0 $0
Glenn Von Bernewitz (Director) $0 $0 $0
Amitava Biswas (Director (Nov Dec)) $0 $0 $0
Jacoub Bogre (Director) $0 $0 $0
Paul Goldman (Director) $0 $0 $0
Shanna Ratner (Director) $0 $0 $0
Michael Tuttle (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,009,150
Expenses
$2,867,785
Net Income
$141,365
Net Assets
$5,148,456
Notable Sources of Revenue Percent of Total Revenue
Contributions $695,332
23.1%
Program Services $2,184,751
72.6%
Investment Income $78,743
2.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $50,324
1.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $133,114
4.6%
Professional Fundraising Fees $0
Other Salaries and Wages $993,562
34.6%
Assets/Debt
Total Assets $36,958,672
Total Liabilities $31,810,216
Net Assets $5,148,456
Compensation
Key Employees and Officers Compensation Related Other
Agnes Cook (Vice Chair & Secretary) $0 $0 $0
Charles Baker (2 Nd Vice Chair & Treasurer) $0 $0 $0
Cheryl Fatnassi (President) $0 $122,800 $10,314
Ellen Kane (Board Chair) $0 $0 $0
Glenn Von Bernewitz (Board Member) $0 $0 $0
Jacoub Bogre (Board Member) $0 $0 $0
Paul Goldman (Board Member) $0 $0 $0
Shanna Ratner (Board Member) $0 $0 $0
Steven Klein (Board Member) $0 $0 $0
Michael Tutle (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,723,548
Expenses
$3,351,827
Net Income
$371,721
Net Assets
$5,007,091
Notable Sources of Revenue Percent of Total Revenue
Contributions $1,430,979
38.4%
Program Services $2,220,249
59.6%
Investment Income $49,689
1.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $22,631
0.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,152,672
34.4%
Assets/Debt
Total Assets $37,110,533
Total Liabilities $32,103,442
Net Assets $5,007,091
Compensation
Key Employees and Officers Compensation Related Other
Cheryl Fatnassi (President & Ceo) $157,008 $0 $10,281
Agnes Cook (Vice Chair & Secretary) $0 $0 $0
Charlie Baker (Treasurer) $0 $0 $0
Ellen Kane (Chair) $0 $0 $0
Glenn Von Bernewitz (Board Member) $0 $0 $0
Jacob Bogre (Board Member) $0 $0 $0
Paul Goldman (Board Member) $0 $0 $0
Shanna Ratner (Board Member) $0 $0 $0
Steven Klein (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,819,882
Expenses
$3,245,558
Net Income
$574,324
Net Assets
$4,635,370
Notable Sources of Revenue Percent of Total Revenue
Contributions $1,721,359
45.1%
Program Services $1,987,683
52.0%
Investment Income $108,414
2.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,426
0.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,138,691
35.1%
Assets/Debt
Total Assets $36,497,082
Total Liabilities $31,861,712
Net Assets $4,635,370
Compensation
Key Employees and Officers Compensation Related Other
Cheryl Fatnassi (President & Ceo) $102,300 $0 $7,684
Ellen Shapiro (Chair) $0 $0 $0
Jacob Bogre (Secretary) $0 $0 $0
Paul Goldman (Board Member) $0 $0 $0
Shanna Ratner (Board Member) $0 $0 $0
Larry Lewack (Board Member) $0 $0 $0
Ellen Kane (1 St Vice Chair) $0 $0 $0
Glenn Von Bernewitz (Treasurer) $0 $0 $0
Agnes Cook (2 Nd Vice Chair) $0 $0 $0
Charlie Baker (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,132,610
Expenses
$2,787,145
Net Income
$345,465
Net Assets
$4,061,046
Notable Sources of Revenue Percent of Total Revenue
Contributions $1,083,983
34.6%
Program Services $1,898,459
60.6%
Investment Income $147,323
4.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,845
0.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,066,140
38.3%
Assets/Debt
Total Assets $37,685,807
Total Liabilities $33,624,761
Net Assets $4,061,046
Compensation
Key Employees and Officers Compensation Related Other
Cheryl Fatnassi (President & Ceo) $101,717 $0 $5,104
Ellen Shapiro (Chair) $0 $0 $0
Jacob Bogre (Secretary) $0 $0 $0
Paul Goldman (Board Member) $0 $0 $0
Shanna Ratner (Board Member) $0 $0 $0
Larry Lewack (Board Member) $0 $0 $0
Ellen Kane (1 St Vice Chair) $0 $0 $0
Russell Moore (Treasurer) $0 $0 $0
Agnes Cook (2 Nd Vice Chair) $0 $0 $0
Charlie Baker (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,196,567
Expenses
$2,807,931
Net Income
$388,636
Net Assets
$3,715,581
Notable Sources of Revenue Percent of Total Revenue
Contributions $721,606
22.6%
Program Services $2,352,759
73.6%
Investment Income $121,546
3.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $656
0.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,002,332
35.7%
Assets/Debt
Total Assets $34,338,303
Total Liabilities $30,622,722
Net Assets $3,715,581
Compensation
Key Employees and Officers Compensation Related Other
Cheryl Fatnassi (President & Ceo) $88,300 $0 $8,817
Doug Boardman (Board Member) $0 $0 $0
Ellen Shapiro (Chair) $0 $0 $0
Jacob Bogre (Secretary) $0 $0 $0
Paul Goldman (Board Member) $0 $0 $0
Shanna Ratner (Past Chair) $0 $0 $0
Larry Lewack (Board Member) $0 $0 $0
Ellen Kane (Board Member) $0 $0 $0
Russell Moore (Board Member) $0 $0 $0
Agnes Cook (Board Member) $0 $0 $0
Charlie Baker (Board Member) $0 $0 $0
Sophia Holder (Vice Chair & Treasurer) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,235,128
Expenses
$2,596,919
Net Income
$638,209
Net Assets
$2,935,501
Notable Sources of Revenue Percent of Total Revenue
Contributions $960,455
29.7%
Program Services $2,267,842
70.1%
Investment Income $119,974
3.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$113,143
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $879,995
33.9%
Assets/Debt
Total Assets $36,176,828
Total Liabilities $33,241,327
Net Assets $2,935,501

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,606,392
Expenses
$2,534,434
Net Income
$71,958
Net Assets
$2,297,292
Notable Sources of Revenue Percent of Total Revenue
Contributions $550,533
21.1%
Program Services $1,939,891
74.4%
Investment Income $115,968
4.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,009,217
39.8%
Assets/Debt
Total Assets $32,703,105
Total Liabilities $30,405,813
Net Assets $2,297,292

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2005

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2004

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

What Is This Data?

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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