Opportunity Link FY2022 filing

Tax-deductible

Havre, MT501(c)(3)HousingEIN 42-1628365

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Opportunity Link, a non-profit organization, is committed to assisting 11 counties and 3 reservations and continues to assist the communities of northcentral montana achieve and sustain indpendence, prosperity, and a better way of life.

501(c)(3) charity; gifts are tax-deductible.
81¢ of each $1 spent went to programs.
$126K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

Before you give

FY2022 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
3 of 6
filings with a surplus
Average surplus $182K a year · 21% of revenue · last 6 filings
Worth a look: a surplus in 3 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
81%
of spending
Looks good: 81% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$126K
to officers and key staff · 18% of spending
Fine: pay to officers and key staff is 18% of spending; 15% to 20%.
Pt VII · Sec A
Cash reserves
9 mo
of spending, in cash
Looks good: 9.0 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
4
named funders · $275K
Looks good: 4 funders name it on their filings; 3 or more.
Funders’ Sch. I, 990-PF
Liabilities
$145K
11% of total assets
Looks good: liabilities are 11% of assets; 50% or less.
Pt X · Ln 26
Independent board members
9
of 9 voting members
Looks good: 9 of 9 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$501K
-63% vs prior year
Spent
$693K
To programs
81%
Net assets
$1.2M
By yearFY2020–FY2025
Revenue
$501K
FY2022▼ -63%
Revenue by fiscal year
FY2020$661K
FY2021$1.4M
FY2022$501K
FY2023$628K
FY2024$635K
FY2025$1.4M
Expenses
$693K
FY2022▲ +25%
Expenses by fiscal year
FY2020$604K
FY2021$555K
FY2022$693K
FY2023$742K
FY2024$809K
FY2025$652K
Net assets
$1.2M
FY2022▼ -14%
Net assets by fiscal year
FY2020$573K
FY2021$1.4M
FY2022$1.2M
FY2023$1.0M
FY2024$850K
FY2025$1.6M

From the FY2022 Form 990 (year ending June 2022) · figures checked against the IRS filing · see the original

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You’re viewing the FY2022 filing — not the latest on file. See the latest (FY2025) →

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Oct 2005.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

81 cents of each dollar spent went to programs.

Program services 81% · $561K Management & general 19% · $132K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

11 people listed on the 990; $126K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2021); the FY2022 filing did not itemize Part VII
Executive Director
$78,504Pt VII · Sec A
Finance Manager
$47,320Pt VII · Sec A
Treasurer
$0Pt VII · Sec A
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A

Barbara Stiffarm’s $78K as Executive Director is at the 17th percentile of top reported officer pay among 2036 $1–10M housing nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 2 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Barbara Stiffarm$78,324$77,786$77,786$78,504$78,835$81,867
Susann Tharp$57,938$56,603$56,601$47,320$43,208$40,738

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See Opportunity Link executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Helps Northcentral Montana communities achieve independence and prosperity.

Provided by the organization

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1 program · $561K · in their own filed words · FY2021
01

Coordinated Regional Planning

Opportunity link strives to support local and regional approaches to build prosperity. Ol works to bring residents together to develop a shared vision for sustaining local livability while preserving natural assets and cultural identity of the region.

$561Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · received and paid
Grants received · FY2024
Total grants receivedfrom 4 funders$275K
See all 4 funders →
Grants paid · 2 grants · $108K · 2023–2023
Red Medicine SweetgrassFY2023$60,000
People's Food Sovereignty ProgramFY2023$48,000

By the numbers

The FY2022 990, line by line.

1The main four
Money inPt VIII
$501K
Ln 12
Gifts and grantsLn 1h$471K
Fees for servicesLn 2g$20K
Investment incomeLn 3$5K
Money outPt IX
$693K
Ln 25
Programscol B$561K
Managementcol C$132K
Owns and owesPt X
$1.2M
net assets · Ln 32
Cash and savingsLn 1–2$518K
Total assetsLn 16$1.3M
LiabilitiesLn 26$145K
PeoplePt VI, VII
11
listed · VII A
PaidVII A2
Voting boardVI 1a9
IndependentVI 1b9
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$471K
Government grantsLn 1e$181K
Fees for servicesLn 2g$20K
Investment incomeLn 3$5K
Other incomeLn 4–11$4K
Gains on assetsLn 7$5K
Total revenueLn 12$501K
Assets in detailPt X, end of year
CashLn 1$14K
SavingsLn 2$504K
Cash and savings togetherLn 1–2$518K
Land, buildings, equipmentLn 10c$734K
Total assetsLn 16$1.3M
LiabilitiesLn 26$145K
Net assetsLn 32$1.2M
OperationsPt I, VI
EmployeesI 512
VolunteersI 610
Fiscal year endsHeaderJune
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY22End FY22
Cash and savingsLn 1–2$687K$518K
Land, buildings, equipmentLn 10c$807K$734K
Total assetsLn 16$1.6M$1.3M
LiabilitiesLn 26$198K$145K
Net assetsLn 32$1.4M$1.2M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$161K$126K$35K
Other salaries and wagesLn 7$220K$179K$41K
Pension plan contributionsLn 8$60$40$20
Other employee benefitsLn 9$8K$5K$3K
Payroll taxesLn 10$27K$21K$6K
Accounting feesLn 11c$8K$8K
Other fees for servicesLn 11g$24K$23K$928
Advertising and promotionLn 12$5K$5K$243
Office expensesLn 13$23K$17K$6K
Information technologyLn 14$420$349$71
OccupancyLn 16$40K$33K$7K
TravelLn 17$15K$748$14K
Depreciation, depletion and amortizationLn 22$76K$60K$15K
Other expenses (24a–d)Ln 24$84K$79K$5K
All other expensesLn 24e$3K$3K
Total functional expensesLn 25$693K$561K$132K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $1.4M$652K$717K$1.6M 990 PDF
FY2024 $635K$809K−$175K$850K 990 PDF
FY2023 $628K$742K−$114K$1.0M 990 PDF
FY2022 Viewing $501K$693K−$192K$1.2M 990 PDF
FY2021 $1.4M$555K$796K$1.4M 990 PDF
FY2020 $661K$604K$57K$573K 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2022 990 (4 parts)
Part VIII · Statement of revenue $500,712 across 8 lines filed
VIII-1e Government grants$180,861
VIII-1f All other contributions, gifts and grants$290,400
VIII-1h Total contributions, gifts and grants$471,261
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $20,300$20,300
VIII-3 Investment incomeExcluded from tax $55$55
VIII-7 Net gain or loss on sales of assetsExcluded from tax $4,999$4,999
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $4,097$4,097
VIII-12 Total revenueRelated to mission $24,397 · Unrelated business $0 · Excluded from tax $5,054$500,712
Part IX · Statement of functional expenses $692,797 across 15 lines filed
IX-5 Pay of current officers, directors and key staffPrograms $126,362 · Management $34,616$160,978
IX-7 Other salaries and wagesPrograms $178,887 · Management $40,933$219,820
IX-8 Pension plan contributionsPrograms $40 · Management $20$60
IX-9 Other employee benefitsPrograms $5,145 · Management $2,505$7,650
IX-10 Payroll taxesPrograms $21,346 · Management $5,558$26,904
IX-11c Accounting feesPrograms $7,500$7,500
IX-11g Other fees for servicesPrograms $23,345 · Management $928$24,273
IX-12 Advertising and promotionPrograms $4,867 · Management $243$5,110
IX-13 Office expensesPrograms $16,655 · Management $6,484$23,139
IX-14 Information technologyPrograms $349 · Management $71$420
IX-16 OccupancyPrograms $33,358 · Management $6,741$40,099
IX-17 TravelPrograms $748 · Management $13,984$14,732
IX-22 Depreciation, depletion and amortizationPrograms $60,469 · Management $15,117$75,586
IX-24 Other expenses (24a–d)Programs $78,834 · Management $5,096$83,930
IX-24e All other expensesPrograms $2,596$2,596
IX-25 Total functional expensesPrograms $560,501 · Management $132,296 · Fundraising $0$692,797
Part X · Balance sheet $1,321,328 assets, 13 lines filed
X-1 Cash, non-interest-bearingStart of year $23,543$13,848
X-2 Savings and temporary cash investmentsStart of year $663,006$504,114
X-4 Accounts receivableStart of year $51,210$49,733
X-8 Inventories for sale or useStart of year $1,050$1,050
X-10c Land, buildings and equipment, netStart of year $807,287$733,528
X-14 Intangible assetsStart of year $20,882$19,055
X-16 Total assetsStart of year $1,566,978$1,321,328
X-17 Accounts payable and accrued expensesStart of year $25,869$26,286
X-25 Other liabilitiesStart of year $70,788$17,696
X-26 Total liabilitiesStart of year $197,557$144,882
X-27 Net assets without donor restrictionsStart of year $1,369,421$1,176,446
X-32 Total net assets or fund balancesStart of year $1,369,421$1,176,446
X-33 Total liabilities and net assetsStart of year $1,566,978$1,321,328
Part XI · Reconciliation of net assets $1,176,446 net assets at year end
XI-1 Total revenue$500,712
XI-2 Total expenses$692,797
XI-3 Revenue less expenses−$192,085
XI-4 Net assets at start of year$1,369,421
XI-8 Prior period adjustments−$890
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$1,176,446

Form 990 e-file (XML) FY2022 from the IRS · Classification, formation year and address from the IRS Business Master File

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