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

501(c)(3) charity; gifts are tax-deductible.
87¢ of each $1 spent went to programs.
Run by 800 volunteers and 251 employees.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2025 · 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
5 of 6
filings with a surplus
Average surplus $486K a year · 4% of revenue · last 6 filings
Fine: a surplus in 5 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
87%
of spending
Looks good: 87% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$249K
to officers and key staff · 2% of spending
Looks good: pay to officers and key staff is 2% of spending; 15% or less.
Pt VII · Sec A
1 mo
of spending, in cash
Fine: 1.0 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $140K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$1.8M
24% of total assets
Looks good: liabilities are 24% of assets; 50% or less.
Pt X · Ln 26
Independent board members
17
of 17 voting members
Looks good: 17 of 17 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$12.6M
-6% vs prior year
Spent
$12.5M
To programs
87%
Net assets
$5.7M
By yearFY2020–FY2025
Revenue
$12.6M
FY2025▼ -6%
Tap a bar for its year
Revenue by fiscal year
FY2020$9.7M
FY2021$10.0M
FY2022$11.0M
FY2023$13.4M
FY2024$13.5M
FY2025$12.6M
Expenses
$12.5M
FY2025▲ +4%
Tap a bar for its year
Expenses by fiscal year
FY2020$9.7M
FY2021$9.7M
FY2022$10.5M
FY2023$12.7M
FY2024$12.1M
FY2025$12.5M
Net assets
$5.7M
FY2025▲ +2%
Tap a bar for its year
Net assets by fiscal year
FY2020$2.7M
FY2021$3.0M
FY2022$3.5M
FY2023$4.2M
FY2024$5.6M
FY2025$5.7M

From the FY2025 Form 990 (year ending March 2025) · figures checked against the IRS filing · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Jan 1969.

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

Where the money goes

87 cents of each dollar spent went to programs.

Program services 87% · $10.9M Management & general 13% · $1.6M

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

20 people listed on the 990; $249K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
Executive Dir.
$123,299Pt VII · Sec A
Fiscal Officer
$78,509Pt VII · Sec A
Fiscal Officer
$46,760Pt VII · Sec A
$0Pt VII · Sec A
1st Vice Pres.
$0Pt VII · Sec A
2nd Vice Pres
$0Pt VII · Sec A
3rd Vice Pres.
$0Pt VII · Sec A
$0Pt VII · Sec A

Karla Seaman’s $123K as Executive Dir. is at the 9th percentile of top reported officer pay among 3122 $10–100M human services 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 · 3 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Karla Seaman$123,299$112,601$110,573$96,308$91,983$87,604
Cheryl White$78,509$76,023$69,782$60,490$56,478$55,061
Sarah Derosier$46,760—————

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.

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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

Supports and educates individuals to achieve self-reliance through community partnerships.

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Provided by the organization

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3 programs · $10.2M · in their own filed words · FY2024
01

Headstart and Early Headstart

Providing comprehensive services to income eligible children age 0 to school age and their families in Great Falls, Conrad, Cut Bank, Vaughn And Shelby, Montana. The program develops, administers, and implements programs for the educational, social, health, nutritional, and psychological needs of over 369 children.

$6.4Mprogram expense
02

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.

$3.1Mprogram expense
03

Emergency Food and Shelter Programs provide aid to persons in acquiring basic necessities, as well as helping them access resources within the community to provide emergency food and shelter, and mid-term assistance to families and individuals to mentor, train, and re-house those in extreme need.

$767Kprogram 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 · FY2025
Total grants receivedfrom 1 funder$140K
Grants paid · 15 grants · $7.1M · 2022–2024
Unitemized GrantFY2024$1,039,138
Unitemized GrantFY2024$672,657
Unitemized GrantFY2024$654,790
Unitemized GrantFY2024$195,803
Unitemized GrantFY2024$26,061
Unitemized GrantFY2023$1,022,835
Unitemized GrantFY2023$658,452
Unitemized GrantFY2023$598,528
Unitemized GrantFY2023$200,307
Unitemized GrantFY2023$15,586
Unitemized GrantFY2022$926,745
Unitemized GrantFY2022$560,146
Unitemized GrantFY2022$312,829
Unitemized GrantFY2022$181,763
Unitemized GrantFY2022$13,145

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$12.6M
Ln 12
Gifts and grantsLn 1h$12.6M
Fees for servicesLn 2g$102K
Money outPt IX
$12.5M
Ln 25
Programscol B$10.9M
Managementcol C$1.6M
Owns and owesPt X
$5.7M
net assets · Ln 32
Cash and savingsLn 1–2$1.0M
Total assetsLn 16$7.4M
LiabilitiesLn 26$1.8M
PeoplePt VI, VII
20
listed · VII A
PaidVII A3
Voting boardVI 1a17
IndependentVI 1b17
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$12.6M
Government grantsLn 1e$12.5M
Fees for servicesLn 2g$102K
Gains on assetsLn 7$0
Total revenueLn 12$12.6M
Assets in detailPt X, end of year
CashLn 1$1.0M
SavingsLn 2$0
Cash and savings togetherLn 1–2$1.0M
InvestmentsLn 11–13$0
Land, buildings, equipmentLn 10c$5.5M
Other assetsLn 15$246K
Total assetsLn 16$7.4M
LiabilitiesLn 26$1.8M
Net assetsLn 32$5.7M
OperationsPt I, VI
EmployeesI 5251
VolunteersI 6800
Fiscal year endsHeaderMarch
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 FY25End FY25
Cash and savingsLn 1–2$585K$1.0M
InvestmentsLn 11–13$0
Land, buildings, equipmentLn 10c$5.5M$5.5M
Total assetsLn 16$7.5M$7.4M
LiabilitiesLn 26$1.9M$1.8M
Net assetsLn 32$5.6M$5.7M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$0
Grants to domestic individualsLn 2$2.6M$2.6M
Grants and assistance to foreign recipientsLn 3$0
Benefits paid to or for membersLn 4$0
Pay of current officers, directors and key staffLn 5$289K$289K
Pay of disqualified personsLn 6$0
Other salaries and wagesLn 7$5.5M$5.1M$408K
Pension plan contributionsLn 8$10K$9K$1K
Other employee benefitsLn 9$723K$646K$77K
Payroll taxesLn 10$830K$755K$75K
Management feesLn 11a$0
Legal feesLn 11b$5K$3K$3K
Accounting feesLn 11c$21K$10K$10K
Lobbying feesLn 11d$0
Professional fundraising feesLn 11e$0
Investment management feesLn 11f$0
Other fees for servicesLn 11g$0
Advertising and promotionLn 12$39K$39K
Office expensesLn 13$350K$198K$153K
Information technologyLn 14$0
RoyaltiesLn 15$0
OccupancyLn 16$480K$342K$138K
TravelLn 17$257K$242K$16K
Travel and entertainment for public officialsLn 18$0
Conferences, conventions and meetingsLn 19$0
InterestLn 20$0
Payments to affiliatesLn 21$0
Depreciation, depletion and amortizationLn 22$421K$388K$33K
InsuranceLn 23$130K$34K$95K
Other expenses (24a–d)Ln 24$927K$600K$326K
All other expensesLn 24e$0
Total functional expensesLn 25$12.5M$10.9M$1.6M$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $12.6M$12.5M$100K$5.7M 990 PDF
FY2024 $13.5M$12.1M$1.4M$5.6M 990 PDF
FY2023 $13.4M$12.7M$693K$4.2M 990 PDF
FY2022 $11.0M$10.5M$448K$3.5M 990 PDF
FY2021 $10.0M$9.7M$303K$3.0M 990 PDF
FY2020 $9.7M$9.7M−$32K$2.7M 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2025 990 (6 parts)
Part I · Summary $12,638,439 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $13,430,229$12,582,116
I-9 Program service revenuePrior year $89,952$101,955
I-10 Investment incomePrior year −$29,541$0
I-11 Other revenuePrior year −$28,852−$45,632
I-12 Total revenuePrior year $13,461,788$12,638,439
I-13 Grants and similar amounts paidPrior year $2,495,708$2,588,449
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $7,273,793$7,320,588
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $2,289,321$2,629,325
I-18 Total expensesPrior year $12,058,822$12,538,362
I-19 Revenue less expensesPrior year $1,402,966$100,077
Part VI · Governance 17 of 17 board members independent, no flags
VI-1a Voting members of the governing body17
VI-1b Independent voting members17
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $12,638,439 across 10 lines filed
VIII-1e Government grants$12,527,471
VIII-1f All other contributions, gifts and grants$54,645
VIII-1h Total contributions, gifts and grants$12,582,116
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $65,530 · Excluded from tax $36,425$101,955
VIII-3 Investment income$0
VIII-5 Royalties$0
VIII-6 Net rental income or lossUnrelated business −$45,632−$45,632
VIII-7 Net gain or loss on sales of assets$0
VIII-8 Net income from fundraising events$0
VIII-12 Total revenueRelated to mission $65,530 · Unrelated business −$45,632 · Excluded from tax $36,425$12,638,439
Part IX · Statement of functional expenses $12,538,362 across 31 lines filed
IX-1 Grants to domestic organizations$0
IX-2 Grants to domestic individualsPrograms $2,588,449$2,588,449
IX-3 Grants and assistance to foreign recipients$0
IX-4 Benefits paid to or for members$0
IX-5 Pay of current officers, directors and key staffManagement $289,289$289,289
IX-6 Pay of disqualified persons$0
IX-7 Other salaries and wagesPrograms $5,061,040 · Management $407,754$5,468,794
IX-8 Pension plan contributionsPrograms $9,022 · Management $1,229$10,251
IX-9 Other employee benefitsPrograms $645,799 · Management $76,800$722,599
IX-10 Payroll taxesPrograms $754,690 · Management $74,965$829,655
IX-11a Management fees$0
IX-11b Legal feesPrograms $2,589 · Management $2,551$5,140
IX-11c Accounting feesPrograms $10,486 · Management $10,331$20,817
IX-11d Lobbying fees$0
IX-11f Investment management fees$0
IX-12 Advertising and promotionPrograms $38,747$38,747
IX-13 Office expensesPrograms $197,518 · Management $152,848$350,366
IX-14 Information technology$0
IX-15 Royalties$0
IX-16 OccupancyPrograms $341,698 · Management $137,991$479,689
IX-17 TravelPrograms $241,562 · Management $15,629$257,191
IX-18 Travel and entertainment for public officials$0
IX-19 Conferences, conventions and meetings$0
IX-20 Interest$0
IX-21 Payments to affiliates$0
IX-22 Depreciation, depletion and amortizationPrograms $387,990 · Management $33,046$421,036
IX-23 InsurancePrograms $34,292 · Management $95,263$129,555
IX-24 Other expenses (24a–d)Programs $600,342 · Management $326,442$926,784
IX-24e All other expenses$0
IX-25 Total functional expensesPrograms $10,914,224 · Management $1,624,138 · Fundraising $0$12,538,362
Part X · Balance sheet $7,441,034 assets, 21 lines filed
X-1 Cash, non-interest-bearingStart of year $584,638$1,019,616
X-2 Savings and temporary cash investments$0
X-3 Pledges and grants receivableStart of year $1,046,453$666,385
X-4 Accounts receivableStart of year $27,219$24,086
X-8 Inventories for sale or useStart of year $12,616$11,187
X-9 Prepaid expenses and deferred chargesStart of year $8,609$10,447
X-10c Land, buildings and equipment, netStart of year $5,516,392$5,463,503
X-11 Publicly traded securities$0
X-12 Other securities$0
X-13 Program-related investments$0
X-14 Intangible assets$0
X-15 Other assetsStart of year $280,754$245,810
X-16 Total assetsStart of year $7,476,681$7,441,034
X-17 Accounts payable and accrued expensesStart of year $859,461$709,245
X-19 Deferred revenueStart of year $34,269$104,641
X-25 Other liabilitiesStart of year $291,283$256,339
X-26 Total liabilitiesStart of year $1,896,118$1,760,394
X-27 Net assets without donor restrictionsStart of year $5,520,562$5,629,684
X-28 Net assets with donor restrictionsStart of year $60,001$50,956
X-32 Total net assets or fund balancesStart of year $5,580,563$5,680,640
X-33 Total liabilities and net assetsStart of year $7,476,681$7,441,034
Part XI · Reconciliation of net assets $5,680,640 net assets at year end
XI-1 Total revenue$12,638,439
XI-2 Total expenses$12,538,362
XI-3 Revenue less expenses$100,077
XI-4 Net assets at start of year$5,580,563
XI-10 Net assets at end of year$5,680,640

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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