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

501(c)(3) charity; gifts are tax-deductible.
91¢ of each $1 spent went to programs.
$180K 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

FY2023 · 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
91%
of spending
Looks good: 91% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$180K
to officers and key staff · 1% of spending
Looks good: pay to officers and key staff is 1% of spending; 15% or less.
Pt VII · Sec A
<1 mo
of spending, in cash
Concern: 0.2 months of spending in cash; under 2 weeks.
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
$2.2M
34% of total assets
Looks good: liabilities are 34% of assets; 50% or less.
Pt X · Ln 26
Independent board members
15
of 15 voting members
Looks good: 15 of 15 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$13.4M
+21% vs prior year
Spent
$12.7M
To programs
91%
Net assets
$4.2M
By yearFY2020–FY2025
Revenue
$13.4M
FY2023▲ +21%
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
$12.7M
FY2023▲ +20%
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
$4.2M
FY2023▲ +20%
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 FY2023 Form 990 (year ending March 2023) · figures checked against the IRS filing · see the original

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You’re viewing the FY2023 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 Jan 1969.

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

Where the money goes

91 cents of each dollar spent went to programs.

Program services 91% · $11.5M Management & general 9% · $1.2M

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

17 people listed on the 990; $180K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2022); the FY2023 filing did not itemize Part VII
Executive Dir.
$110,573Pt VII · Sec A
Fiscal Officer
$69,782Pt VII · Sec A
$0Pt VII · Sec A
1st Vice Pres.
$0Pt VII · Sec A
2nd Vice Pres
$0Pt VII · Sec A
$0Pt VII · Sec A
Treasurer
$0Pt VII · Sec A
Board Member
$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 · $10.7M · in their own filed words · FY2022
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 481 children.

$7.0Mprogram 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.

$2.5Mprogram 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.

$1.2Mprogram 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 FY2023 990, line by line.

1The main four
Money inPt VIII
$13.4M
Ln 12
Gifts and grantsLn 1h$13.3M
Fees for servicesLn 2g$69K
Money outPt IX
$12.7M
Ln 25
Programscol B$11.5M
Managementcol C$1.2M
Owns and owesPt X
$4.2M
net assets · Ln 32
Cash and savingsLn 1–2$206K
Total assetsLn 16$6.3M
LiabilitiesLn 26$2.2M
PeoplePt VI, VII
17
listed · VII A
PaidVII A2
Voting boardVI 1a15
IndependentVI 1b15
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$13.3M
Government grantsLn 1e$13.3M
Fees for servicesLn 2g$69K
Gains on assetsLn 7$0
Total revenueLn 12$13.4M
Assets in detailPt X, end of year
CashLn 1$206K
SavingsLn 2$0
Cash and savings togetherLn 1–2$206K
InvestmentsLn 11–13$0
Land, buildings, equipmentLn 10c$4.3M
Other assetsLn 15$327K
Total assetsLn 16$6.3M
LiabilitiesLn 26$2.2M
Net assetsLn 32$4.2M
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 FY23End FY23
Cash and savingsLn 1–2$650K$206K
InvestmentsLn 11–13$0
Land, buildings, equipmentLn 10c$3.8M$4.3M
Total assetsLn 16$5.4M$6.3M
LiabilitiesLn 26$1.9M$2.2M
Net assetsLn 32$3.5M$4.2M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$0
Grants to domestic individualsLn 2$2.0M$2.0M
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$196K$196K
Pay of disqualified personsLn 6$0
Other salaries and wagesLn 7$6.4M$5.9M$460K
Pension plan contributionsLn 8$12K$11K$1K
Other employee benefitsLn 9$651K$582K$69K
Payroll taxesLn 10$933K$857K$76K
Management feesLn 11a$0
Legal feesLn 11b$11K$4K$7K
Accounting feesLn 11c$42K$16K$25K
Lobbying feesLn 11d$0
Professional fundraising feesLn 11e$0
Investment management feesLn 11f$0
Other fees for servicesLn 11g$0
Advertising and promotionLn 12$74K$40K$34K
Office expensesLn 13$381K$256K$125K
Information technologyLn 14$0
RoyaltiesLn 15$0
OccupancyLn 16$363K$314K$49K
TravelLn 17$246K$233K$13K
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$332K$306K$26K
InsuranceLn 23$54K$18K$35K
Other expenses (24a–d)Ln 24$977K$930K$47K
All other expensesLn 24e$0
Total functional expensesLn 25$12.7M$11.5M$1.2M$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $12.6M$12.5M$100K$5.7M 990 PDF
FY2024 $13.5M$12.1M$1.4M$5.6M 990 PDF
FY2023 Viewing $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 FY2023 990 (6 parts)
Part I · Summary $13,354,585 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $10,985,627$13,332,728
I-9 Program service revenuePrior year $83,689$69,333
I-10 Investment income$0
I-11 Other revenuePrior year −$74,191−$47,476
I-12 Total revenuePrior year $10,995,125$13,354,585
I-13 Grants and similar amounts paidPrior year $2,095,979$1,994,628
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $6,296,476$8,187,706
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $2,155,110$2,479,180
I-18 Total expensesPrior year $10,547,565$12,661,514
I-19 Revenue less expensesPrior year $447,560$693,071
Part VI · Governance 15 of 15 board members independent, no flags
VI-1a Voting members of the governing body15
VI-1b Independent voting members15
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 $13,354,585 across 10 lines filed
VIII-1e Government grants$13,282,278
VIII-1f All other contributions, gifts and grants$50,450
VIII-1h Total contributions, gifts and grants$13,332,728
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $34,963 · Excluded from tax $34,370$69,333
VIII-3 Investment income$0
VIII-5 Royalties$0
VIII-6 Net rental income or lossUnrelated business −$47,476−$47,476
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 $34,963 · Unrelated business −$47,476 · Excluded from tax $34,370$13,354,585
Part IX · Statement of functional expenses $12,661,514 across 31 lines filed
IX-1 Grants to domestic organizations$0
IX-2 Grants to domestic individualsPrograms $1,994,628$1,994,628
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 $195,728$195,728
IX-6 Pay of disqualified persons$0
IX-7 Other salaries and wagesPrograms $5,936,096 · Management $459,600$6,395,696
IX-8 Pension plan contributionsPrograms $11,038 · Management $1,431$12,469
IX-9 Other employee benefitsPrograms $581,549 · Management $69,316$650,865
IX-10 Payroll taxesPrograms $856,842 · Management $76,106$932,948
IX-11a Management fees$0
IX-11b Legal feesPrograms $4,460 · Management $6,838$11,298
IX-11c Accounting feesPrograms $16,426 · Management $25,179$41,605
IX-11d Lobbying fees$0
IX-11f Investment management fees$0
IX-12 Advertising and promotionPrograms $40,335 · Management $33,863$74,198
IX-13 Office expensesPrograms $256,072 · Management $124,541$380,613
IX-14 Information technology$0
IX-15 Royalties$0
IX-16 OccupancyPrograms $314,094 · Management $48,624$362,718
IX-17 TravelPrograms $233,098 · Management $13,104$246,202
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 $305,673 · Management $26,432$332,105
IX-23 InsurancePrograms $18,439 · Management $35,296$53,735
IX-24 Other expenses (24a–d)Programs $929,679 · Management $47,027$976,706
IX-24e All other expenses$0
IX-25 Total functional expensesPrograms $11,498,429 · Management $1,163,085 · Fundraising $0$12,661,514
Part X · Balance sheet $6,329,111 assets, 21 lines filed
X-1 Cash, non-interest-bearingStart of year $649,562$205,890
X-2 Savings and temporary cash investments$0
X-3 Pledges and grants receivableStart of year $650,848$1,407,808
X-4 Accounts receivableStart of year $36,615$31,549
X-8 Inventories for sale or useStart of year $8,342$10,745
X-9 Prepaid expenses and deferred chargesStart of year $19,117$48,779
X-10c Land, buildings and equipment, netStart of year $3,754,893$4,297,037
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 $314,313$327,303
X-16 Total assetsStart of year $5,433,690$6,329,111
X-17 Accounts payable and accrued expensesStart of year $786,457$970,423
X-19 Deferred revenueStart of year $58,937$92,976
X-25 Other liabilitiesStart of year $325,830$338,495
X-26 Total liabilitiesStart of year $1,949,164$2,151,514
X-27 Net assets without donor restrictionsStart of year $3,442,008$4,121,567
X-28 Net assets with donor restrictionsStart of year $42,518$56,030
X-32 Total net assets or fund balancesStart of year $3,484,526$4,177,597
X-33 Total liabilities and net assetsStart of year $5,433,690$6,329,111
Part XI · Reconciliation of net assets $4,177,597 net assets at year end
XI-1 Total revenue$13,354,585
XI-2 Total expenses$12,661,514
XI-3 Revenue less expenses$693,071
XI-4 Net assets at start of year$3,484,526
XI-10 Net assets at end of year$4,177,597

Form 990 e-file (XML) FY2023 from the IRS · Classification, formation year and address from the IRS Business Master File

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