Opportunity Council EIN 91-0787820 Form 990 (PDF) Claim this org

Opportunity Council

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Provides home weatherization, repairs, and direct assistance to help low-income families reduce energy costs, improve safety, and access affordable housing. For fiscal year 2024 it reported $72.6M in revenue, $63.0M in expenses, and $26.0M in net assets.Pt I

Founded
1977
Type
Public charity (501(c)(3)) · Human Services
Location
Bellingham, WA
Website
www.oppco.org
Filings
5 on file (2020–2024)
Revenue
$72.6MFY2024
Expenses
$63.0M
Net assets
$26.0M
People
23
Filings
5
Updates
0
More identity details & actions ⌄
EIN  91-0787820 Public charity (501(c)(3)) Bellingham, WA Founded 1977
Form 990 (PDF)
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Figures match the IRS filing checked 7/7/26 · see original: IRS
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Size
$10–100M
What they do
Provides home weatherization, repairs, and direct assistance to help low-income families reduce energy costs, improve safety, and access affordable housing.
Leadership
Greg Winter · Executive Director · $159K
Money in and out
$72.6M revenue, $63.0M expenses
Bottom line
86% program efficiency
Where the money goes · FY2024
Total revenue
$72.6M
Pt VIII · Ln 12
Total expenses
$63.0M
Pt IX · Ln 25
Net assets
$26.0M
Pt X · Ln 32
Revenue less expenses (Pt I · Ln 19): $9.6M
Where spending went · Part IX cols B–D
Program services $0.86 Management & general $0.13 Fundraising $0.00
Program efficiency
86%
of spending reaches programs▼ -3% vs prior filing year
Operating runway
0.3mo
months of highly liquid reserves at operating expense rate▲ +200% vs prior filing year
Surplus margin
+13%
revenue over expenses, this year▲ +85% vs prior filing year

Summary of the Filing

Part I · fiscal year 2024 · Form 990
Revenue
$72.6M
FY2024▼ -2%
Expenses
$63.0M
FY2024▼ -8%
Total assets
$40.3M
FY2024▲ +22%
Total liabilities
$14.3M
FY2024▼ -14%
Total revenue
$72.6M
Pt VIII · Ln 12
Total expenses
$63.0M
Pt IX · Ln 25
Net assets
$26.0M
Pt X · Ln 32
Revenue less expensesPt I · Ln 19$9.6M
Total assetsPt X · Ln 16$40.3M
Program-expense ratioPt IX · col B86%
Voting members of governing bodyPt I · Ln 315
Independent voting membersPt I · Ln 415
Mission & Programs · Part III

Where the work happens

3 program services account for $51.7M of program spending, described in the organization's own filed words · FY2024.
01

Community Services (CS), Community Programs, Housing Services, and Energy Assistance - A multi-faceted program dedicated to serving our most vulnerable communities. CS strives to serve those in need wherever they are. In 2024 staff and volunteers prepared and served over 10,000 meals to people in need.

$31.5Mprogram expense
02

Early Learning and Family Services (elafs)

one of Opportunity Council's largest departments - is comprised of multiple programs for pregnant people and households with children ages birth to five years and beyond. Specific programs include, but are not limited to: Head Start and ECEAP (Washington State's Early Childhood Education and Assistance Program) center-based preschool…

$15.5Mprogram expense
03

Weatherization and Home Repair Services

By servicing existing homes, the home improvement program preserves vital housing units (a key component of ensuring affordable housing), while also improving community health, safety, and climate resiliency.

$4.6Mprogram expense

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Identity & Classification

Form 990 Header · IRS Business Master File
Legal nameHdr · item COpportunity Council
EINHdr · item D91-0787820
Principal addressHdr · item CBellingham, WA
WebsiteHdr · item Jwww.oppco.org
Year of formationHdr · item L1977
State of legal domicileHdr · item MWA
Exempt statusHdr · item I501(c)(3) · active
NTEE classificationIRS BMFHuman Services (P200)
Ruling yearIRS BMFDec 1977

Governance & Policies

Part VI
Voting members of the governing bodyPt VI · Ln 1a15
Independent voting membersPt VI · Ln 1b15
Conflict-of-interest policyPt VI · Ln 12aYes
Whistleblower policyPt VI · Ln 13Yes
Document retention policyPt VI · Ln 14Yes
CEO/top-official compensation independently reviewedPt VI · Ln 15aYes
Family or business relationships among officers/directorsPt VI · Ln 2No

Officers, Directors & Key Employees

Part VII, Section A · reportable compensation
Executive Director
$158,827Pt VII · Sec A
$146,325Pt VII · Sec A
$135,855Pt VII · Sec A
Chief Financial Officer
$134,081Pt VII · Sec A
Assistant Director
$129,887Pt VII · Sec A
$120,438Pt VII · Sec A
Director
$117,094Pt VII · Sec A
$0Pt VII · Sec A

Greg Winter’s $159K as Executive Director is at the 25th percentile of top reported officer pay among 3123 $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 · 8 named individuals · Part VII

NameFY2024FY2023FY2022FY2021FY2020
Greg Winter$158,827$150,172$139,035$134,943$131,845
Pamela Wheeler$146,325$138,650$134,928$126,910
Wendy Lawrence$135,855
David Foreman$134,081$129,757$132,712$119,970$115,320
Lisa Tsuchiya$129,887
Deborah Paton$120,438$116,332$110,594$106,916
Lorena Shah$117,094
David Webster$114,026$112,406$104,430

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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Statement of Revenue

Part VIII
Contributions & grants$67.1M · 92%
Program service revenue$5.5M · 8%
Contributions & grants92%$67.1M
Program service revenue8%$5.5M
Investment income$9K
— government grantsLn 1e$54.7M
Total revenueLn 12$72.6M

Statement of Functional Expenses

Part IX · allocated across program, management, and fundraising
Allocation · columns B–D
Program services $0.86 Management & general $0.13 Fundraising $0.00
Program services86%$54.4M
Management & general13%$8.4M
Fundraising$158K
Total functional expensesLn 25$63.0M

Balance Sheet

Part X · end of year
CashLn 1$1.8M
Total assetsLn 16$40.3M
Total liabilitiesLn 26$14.3M
Total net assetsLn 32$26.0M
Months of cash on handcomputed0.3

Financial Metrics

Form 990 · FY2024 · each ratio shown with the dollars behind it
Liquidity & Payout
Operating runway
Highly liquid reserves $1.8M · Operating expenses/yr $63.0M
0.3 months
Where the money goes
Program services
Program services $54.4M · Total expenses $63.0M
86%
Management & General
Management & general $8.4M · Total expenses $63.0M
13%
Fundraising
Fundraising $158K · Total expenses $63.0M
0.3%
Cost to raise $1
Fundraising expense (3-yr avg) $109K · Solicited contributions (3-yr avg) $9.1M
$0.01 to raise $1 (3-yr avg)
Where the money comes from
Contribution dependence
Contributions & grants $67.1M · Total revenue $72.6M
92%
Government reliance
Government grants $54.7M · Total revenue $72.6M
75%
Earned-income share
Program service revenue $5.5M · Total revenue $72.6M
8%
Investment reliance
Investment income $9K · Total revenue $72.6M
+0.01%
Program self-sufficiency
Program service revenue $5.5M · Total expenses $63.0M
9%
Growth & trend
Revenue growth (YoY)
This year $72.6M · Prior year $73.8M
-2%
Revenue CAGR
FY2020 $41.0M · FY2024 $72.6M
+15%
Net-asset trend (YoY)
End of year $26.0M · Beginning of year —
Beginning net assets not meaningfully positive — showing dollar change
Balance sheet
Surplus Margin
Revenue $72.6M · Expenses $63.0M
+13%
Liabilities-to-Assets
Total liabilities — · Total assets $40.3M
Net-asset ratio
Net assets $26.0M · Total assets $40.3M
65%
Marketable Investment Share
Publicly traded securities (Pt X, ln 11) $0 · Other securities (Pt X, ln 12) $0 · Total assets (Pt X, ln 16) $40.3M
0%
People & payroll
Highest Reported Total Compensation
Individual Greg Winter · Reported title Executive Director · Highest reported compensation $159K · Total expenses $63.0M
0.3%
Personnel share
Salaries, benefits & payroll (Pt IX 5-10) $29.5M · Total expenses $63.0M
47%
Peer comparison

Same NTEE category, revenue band, and state where available. Descriptive — not a grade.

MetricThis orgPeer medianPercentile
Program ratio 86%
Overhead ratio 13%
Fundraising cost ratio 0.2%
Revenue growth -2%
Investment management fee ratio 0%
Legal fee ratio 0.03%
Accounting fee ratio 0.1%
Fundraising fee ratio 0%

Straight from the Form 990 — descriptive, not an evaluation. A ratio is hidden when its base is zero or too small to be meaningful; the dollars are always shown.

Grants

Schedule I · received and paid
Grants received · FY2024
See all 16 funders →
Grants paid · 74 grants · $134.1M · 2020–2024
Unitemized GrantFY2024$10,432,268
Unitemized GrantFY2024$8,870,870
Unitemized GrantFY2024$1,929,755
Unitemized GrantFY2024$401,386
Unitemized GrantFY2024$243,425
Sustainable ConnectionsWA · FY2024$147,902
Corporation for National and Community ServicesFY2024$29,624
Unity Care NorthwestWA · FY2024$14,972
Unitemized GrantFY2023$21,129,515
Unitemized GrantFY2023$6,747,669
Unitemized GrantFY2023$1,608,327
Unitemized GrantFY2023$326,132
See all 74 grants →

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Filings & Schedule Manifest

Part IV
III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
FY2024 (Latest)$72.6M revenue · viewing · ⤓ 990 PDF
FY2023$73.8M revenue · ⤓ 990 PDF
FY2022$73.6M revenue · ⤓ 990 PDF
FY2021$56.3M revenue · ⤓ 990 PDF
FY2020$41.0M revenue · ⤓ 990 PDF

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Sources

Every figure above is drawn from these filings
Form 990 e-file (XML) · FY2024IRS
Classification, formation year, addressIRS Business Master File
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