Opportunity Link FY2024 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.
90¢ of each $1 spent went to programs.
$134K 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

FY2024 · 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
90%
of spending
Looks good: 90% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$134K
to officers and key staff · 17% of spending
Fine: pay to officers and key staff is 17% of spending; 15% to 20%.
Pt VII · Sec A
Cash reserves
5 mo
of spending, in cash
Looks good: 5.2 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
$109K
11% of total assets
Looks good: liabilities are 11% of assets; 50% or less.
Pt X · Ln 26
Independent board members
8
of 8 voting members
Looks good: 8 of 8 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$635K
+1% vs prior year
Spent
$809K
To programs
90%
Net assets
$850K
By yearFY2020–FY2025
Revenue
$635K
FY2024▲ +1%
Revenue by fiscal year
FY2020$661K
FY2021$1.4M
FY2022$501K
FY2023$628K
FY2024$635K
FY2025$1.4M
Expenses
$809K
FY2024▲ +9%
Expenses by fiscal year
FY2020$604K
FY2021$555K
FY2022$693K
FY2023$742K
FY2024$809K
FY2025$652K
Net assets
$850K
FY2024▼ -17%
Net assets by fiscal year
FY2020$573K
FY2021$1.4M
FY2022$1.2M
FY2023$1.0M
FY2024$850K
FY2025$1.6M

From the FY2024 Form 990 (year ending June 2024) · figures checked against the IRS filing · see the original

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You’re viewing the FY2024 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

90 cents of each dollar spent went to programs.

Program services 90% · $727K Management & general 10% · $82K

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; $134K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2023); the FY2024 filing did not itemize Part VII
Executive Director
$77,786Pt VII · Sec A
Finance Manager
$56,603Pt VII · Sec A
$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 service account for $727K of program spending, described in the organization's own filed words · FY2023.
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.

$727Kprogram expense

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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 FY2024 990, line by line.

1The main four
Money inPt VIII
$635K
Ln 12
Gifts and grantsLn 1h$614K
Fees for servicesLn 2g$17K
Other incomeLn 4–11$4K
Money outPt IX
$809K
Ln 25
Programscol B$727K
Managementcol C$82K
Owns and owesPt X
$850K
net assets · Ln 32
Cash and savingsLn 1–2$349K
Total assetsLn 16$958K
LiabilitiesLn 26$109K
PeoplePt VI, VII
11
listed · VII A
PaidVII A2
Voting boardVI 1a8
IndependentVI 1b8
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$614K
Government grantsLn 1e$260K
Fees for servicesLn 2g$17K
Investment incomeLn 3$307
Other incomeLn 4–11$4K
Total revenueLn 12$635K
Assets in detailPt X, end of year
CashLn 1$14K
SavingsLn 2$335K
Cash and savings togetherLn 1–2$349K
Land, buildings, equipmentLn 10c$593K
Total assetsLn 16$958K
LiabilitiesLn 26$109K
Net assetsLn 32$850K
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 FY24End FY24
Cash and savingsLn 1–2$456K$349K
Land, buildings, equipmentLn 10c$667K$593K
Total assetsLn 16$1.1M$958K
LiabilitiesLn 26$117K$109K
Net assetsLn 32$1.0M$850K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$108K$108K
Pay of current officers, directors and key staffLn 5$169K$141K$28K
Other salaries and wagesLn 7$184K$166K$18K
Payroll taxesLn 10$24K$21K$2K
Accounting feesLn 11c$36K$36K
Other fees for servicesLn 11g$13K$495$13K
Advertising and promotionLn 12$4K$4K
Office expensesLn 13$19K$18K$1K
OccupancyLn 16$41K$33K$7K
TravelLn 17$9K$3K$5K
Payments to affiliatesLn 21$3K$3K
Depreciation, depletion and amortizationLn 22$76K$76K
InsuranceLn 23$11K$8K$3K
Other expenses (24a–d)Ln 24$110K$108K$2K
All other expensesLn 24e$3K$3K
Total functional expensesLn 25$809K$727K$82K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $1.4M$652K$717K$1.6M 990 PDF
FY2024 Viewing $635K$809K−$175K$850K 990 PDF
FY2023 $628K$742K−$114K$1.0M 990 PDF
FY2022 $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 FY2024 990 (4 parts)
Part VIII · Statement of revenue $634,779 across 6 lines filed
Lines not itemized here account for $3,809 of total revenue; see the IRS return.
VIII-1e Government grants$260,413
VIII-1f All other contributions, gifts and grants$353,540
VIII-1h Total contributions, gifts and grants$613,953
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $16,710$16,710
VIII-3 Investment incomeExcluded from tax $307$307
VIII-12 Total revenueRelated to mission $20,519 · Unrelated business $0 · Excluded from tax $307$634,779
Part IX · Statement of functional expenses $809,358 across 15 lines filed
IX-1 Grants to domestic organizationsPrograms $108,000$108,000
IX-5 Pay of current officers, directors and key staffPrograms $141,341 · Management $28,129$169,470
IX-7 Other salaries and wagesPrograms $166,354 · Management $17,927$184,281
IX-10 Payroll taxesPrograms $21,353 · Management $2,287$23,640
IX-11c Accounting feesPrograms $36,450$36,450
IX-11g Other fees for servicesPrograms $495 · Management $12,807$13,302
IX-12 Advertising and promotionPrograms $3,603$3,603
IX-13 Office expensesPrograms $17,603 · Management $1,260$18,863
IX-16 OccupancyPrograms $33,378 · Management $7,431$40,809
IX-17 TravelPrograms $3,473 · Management $5,133$8,606
IX-21 Payments to affiliatesPrograms $2,819$2,819
IX-22 Depreciation, depletion and amortizationPrograms $76,119$76,119
IX-23 InsurancePrograms $8,451 · Management $2,706$11,157
IX-24 Other expenses (24a–d)Programs $108,011 · Management $1,595$109,606
IX-24e All other expensesManagement $2,633$2,633
IX-25 Total functional expensesPrograms $727,450 · Management $81,908 · Fundraising $0$809,358
Part X · Balance sheet $958,458 assets, 11 lines filed
X-1 Cash, non-interest-bearingStart of year $7,034$13,752
X-2 Savings and temporary cash investmentsStart of year $448,663$335,133
X-8 Inventories for sale or useStart of year $1,050$1,050
X-10c Land, buildings and equipment, netStart of year $667,414$593,122
X-14 Intangible assetsStart of year $17,228$15,401
X-16 Total assetsStart of year $1,141,389$958,458
X-17 Accounts payable and accrued expensesStart of year $19,319$13,332
X-26 Total liabilitiesStart of year $117,302$108,950
X-27 Net assets without donor restrictionsStart of year $1,024,087$849,508
X-32 Total net assets or fund balancesStart of year $1,024,087$849,508
X-33 Total liabilities and net assetsStart of year $1,141,389$958,458
Part XI · Reconciliation of net assets $849,508 net assets at year end
XI-1 Total revenue$634,779
XI-2 Total expenses$809,358
XI-3 Revenue less expenses−$174,579
XI-4 Net assets at start of year$1,024,087
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$849,508

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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