2025-04-18T09:28:39-05:00 2024-06-30 946214841 ARMANINO ADVISORY LLC 50 W SAN FERNANDO ST STE 500 SAN JOSE CA 95113 990 2023-07-01 311719434 ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT ACCI 4082970204 111 WEST ST JOHN STREET 800 SAN JOSE CA 95113 DAVID COULTAS CHIEF FINANCIAL & OPERATING OFFICER 4082970204 2025-04-17 1 1 MATTHEW PETROSKI P00853132 4082006400 2025-04-17 2023 2025-03-06 01:10:19Z DAVID COULTAS 111 WEST ST JOHN STREET 800 SAN JOSE CA 95113 46157464 0 X AOFUND.ORG X 1993 CA TO DELIVER AFFORDABLE CAPITAL AND RESPONSIBLE FINANCIAL SOLUTIONS TO (CONTINUED ON SCHEDULE O) UNDERSERVED ENTREPRENEURS AND COMMUNITIES, WITH A SPECIAL FOCUS ON LOW-INCOME PEOPLE, PEOPLE OF COLOR, AND WOMEN. 19 18 178 20 0 0 22422998 14669737 26448246 25809059 1630204 3977392 0 0 50501448 44456188 3777529 2723637 0 0 21601757 22736132 0 0 2274782 26102705 30011016 51481991 55470785 -980543 -11014597 228764404 217343540 155989008 157553219 72775396 59790321 X ACCION OPPORTUNITY FUND'S MISSION IS TO DELIVER AFFORDABLE CAPITAL AND RESPONSIBLE FINANCIAL SOLUTIONS TO UNDERSERVED ENTREPRENEURS AND COMMUNITIES, WITH A SPECIAL FOCUS ON LOW-INCOME PEOPLE, PEOPLE OF COLOR, AND WOMEN. 0 0 44006225 2723637 23667946 SMALL BUSINESS LENDING PROGRAM - THE ORGANIZATION MAKES LOANS TO SMALL BUSINESSES THAT LACK ACCESS TO AFFORDABLE CREDIT FROM TRADITIONAL SOURCES. SINCE INCEPTION, THE ORGANIZATION HAS MADE OVER 28,700 LOANS TOTALING $910 MILLION TO SMALL BUSINESSES WHOSE OWNERS ARE PRIMARILY PEOPLE OF COLOR AND LOW AND MODERATE INCOME. MANY LOANS TO CALIFORNIA-BASED BORROWERS ARE ENROLLED IN A LOAN LOSS RESERVE PARTIALLY FUNDED BY THE STATE OF CALIFORNIA AS PART OF ITS CAPITAL ACCESS PROGRAM. (CONTINUED ON SCHEDULE O) BEGINNING IN JUNE 2020, IN RESPONSE TO COVID-19, THE ORGANIZATION BEGAN OFFERING LOWER COST LOANS WITH INTEREST RATES FROM 4-4.25% TO SELECT BORROWERS WHO WERE SEVERELY IMPACTED BY COVID-19. THE ORGANIZATION ALSO BEGAN PARTICIPATING IN SELECT PUBLIC-PRIVATE PARTNERSHIPS THAT OFFER LOW-RATE LOAN PROGRAMS. THESE LOANS ARE TYPICALLY BACKSTOPPED BY A LOAN LOSS RESERVE PROGRAM ADMINISTERED BY A GOVERNMENT AGENCY AND SOLD TO A SPECIAL PURPOSE CREDIT VEHICLE WHERE ONLY A PORTION OF THE LOANS, TYPICALLY 5-10%, REMAIN ON THE ORGANIZATION'S CONSOLIDATED STATEMENT OF FINANCIAL POSITION. THESE PROGRAMS WERE TERMINATED IN FISCAL YEAR 2023.IN APRIL 2020 THE ORGANIZATION WAS APPROVED AS A PAYCHECK PROTECTION PROGRAM ("PPP") LENDER BY THE U.S. SMALL BUSINESS ADMINISTRATION. THIS PRODUCT FOR SMALL BUSINESSES RANGES IN SIZE BASED ON THE PAYROLL OF THE COMPANY, HAS A 1% FIXED INTEREST RATE, AND MAY BE FULLY FORGIVABLE IF THE FUNDS ARE USED FOR AN ELIGIBLE PURPOSE. AS OF JUNE 30, 2024, SUBSTANTIALLY ALL PPP LOANS HAVE BEEN FULLY REPAID.THE ORGANIZATION SELLS PARTICIPATIONS IN ITS LOAN PORTFOLIO. THE PURPOSE OF THESE SALES IS TO MANAGE CREDIT CONCENTRATION IN THE ORGANIZATION'S PORTFOLIO AND TO GENERATE LIQUIDITY TO PROVIDE FOR ADDITIONAL LOAN GROWTH. LOANS ARE TYPICALLY SOLD AT A PREMIUM OVER FACE VALUE AND THE ORGANIZATION RETAINS THE SERVICING OF THE LOANS, FOR WHICH IT CHARGES A MONTHLY FEE. 756409 2141113 NEW MARKET TAX CREDITS PROGRAM - IN 2003, THE ORGANIZATION WAS CERTIFIED BY THE U.S. DEPARTMENT OF TREASURY COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION FUND ("CDFI FUND") AS A COMMUNITY DEVELOPMENT ENTITY ("CDE") UNDER ITS NEW MARKET TAX CREDIT ("NMTC") PROGRAM. AS OF JUNE 30, 2024, THE ORGANIZATION HAS RECEIVED A CUMULATIVE TOTAL OF $498 MILLION OF TAX CREDIT ALLOCATIONS. THE ORGANIZATION THROUGH ITS SUBSIDIARY CDE, THE LCD NEW MARKETS FUND, LLC, USES THESE ALLOCATIONS TO ATTRACT NEW CAPITAL TO SUPPORT LARGE REAL ESTATE PROJECTS PROVIDING HIGH COMMUNITY IMPACT IN LOW-INCOME AREAS. AS OF JUNE 30, 2024 AND 2023, THE ORGANIZATION HAS DEPLOYED $498 MILLION AND $472 MILLION IN QUALIFIED EQUITY INVESTMENTS ("QEIS"), RESPECTIVELY. 615971 POLICY PROGRAM: ACCION OPPORTUNITY FUND CONDUCTS PROGRAM EVALUATION AND RESEARCH AND ADVOCATES FOR FEDERAL, STATE AND LOCAL PUBLIC POLICIES THAT WILL BENEFIT OUR MISSION AND THE WORKING FAMILIES THAT OUR PROGRAMS SERVE. 45378605 1 1 0 1 0 0 0 0 0 0 1 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 1 0 0 0 0 1 0 0 0 1 310 0 1 178 1 0 0 0 0 0 0 0 0 0 0 0 0 X 19 18 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 1 1 1 0 0 CA AL FL GA IL KS KY MD MA MI MN MS NH NJ NM NY ND PA OR RI SC TN VA WV WI AR HI NC X X KATE LAWRENCE 6506139311 111 WEST ST JOHN STREET STE 800 SAN JOSE CA 95113 LUZ DE LOURDES LOPEZ URRUTIA CHIEF EXECUTIVE OFFICER 37.00 3.00 X X 408275 0 20346 GREG AVIS BOARD CHAIR 1.50 1.50 X X 0 0 0 CARETHA COLEMAN VICE CHAIR 1.50 1.50 X X 0 0 0 JIM KOSHLAND VICE CHAIR (THRU 08/23) 1.50 1.50 X X 0 0 0 MICKEY KONSON SECRETARY (THRU 12/23) 1.50 1.50 X X 0 0 0 ESTEBAN ALTSCHUL DIRECTOR 1.50 1.50 X 0 0 0 TODD BAKER DIRECTOR 1.50 1.50 X 0 0 0 SWATI BHATIA DIRECTOR 1.50 1.50 X 0 0 0 PHIL BLACK DIRECTOR 1.50 1.50 X 0 0 0 DICKSON CHU DIRECTOR 1.50 1.50 X 0 0 0 SOLANA COZZO DIRECTOR 1.50 1.50 X 0 0 0 JONI CROPPER DIRECTOR 1.50 1.50 X 0 0 0 DEBRA ENGEL DIRECTOR 1.50 1.50 X 0 0 0 MADELEINE FACKLER DIRECTOR 1.50 1.50 X 0 0 0 BRIAN GRAHAM DIRECTOR 1.50 1.50 X 0 0 0 PARKER HUDNUT DIRECTOR 1.50 1.50 X 0 0 0 LATA KRISHNAN DIRECTOR 1.50 1.50 X 0 0 0 JUANITA LOTT DIRECTOR 1.50 1.50 X 0 0 0 SAM RAMOS DIRECTOR 1.50 1.50 X 0 0 0 MICHAEL SCHLEIN DIRECTOR 1.50 1.50 X 0 0 0 DIANA TAYLOR DIRECTOR 1.50 1.50 X 0 0 0 DAVID COULTAS EVP & CHIEF FINANICAL OFFICER 37.00 3.00 X 231616 0 19063 MICHAEL RAPAPORT PRESIDENT & COO (THRU 08/23) 38.50 1.50 X 255243 0 31883 ROBERT KERN SEARS CHIEF PRODUCT OFFICER 40.00 X 363018 0 21277 ANJANA THATTE BERDE CHIEF PEOPLE OFFICER 40.00 X 359017 0 29305 CHRISTOPHER PILKERTON CHIEF REGULATORY STRATEGY OFFICER 39.75 0.25 X 335072 0 33145 VERONICA FIGOLI FLEISCHER CHIEF DEVELOPMENT OFFICER 40.00 X 277617 0 9863 GINA HARMAN CHIEF ADMIN OFFICER (THRU 10/23) 32.00 X 268349 0 17659 GRETCHEN RUETHLING SVP, STRATEGIC PARTNERSHIP 40.00 X 257275 0 18135 LAUREN N VAN DER TUIN CHIEF ANALYTICS OFFICER 40.00 X 309986 0 26300 KEVIN P GABEL VP, PRODUCT 40.00 X 307489 0 35192 ERIC SEAN TRUX SVP, TREASURER 40.00 X 285300 0 35955 MEAGHAN MARY BEVER CHIEF COMPLIANCE OFFICER 40.00 X 244348 0 24552 KAITLIN LYNCH VP OF MARKETING (THRU 09/23) 40.00 X 240714 0 11380 4143319 0 334055 76 0 1 0 SUTHERLAND GLOBAL COLLECTION SERVICES LL 1160 PITTSFORD VICTOR ROAD PITTUSFORD NY 14534 LOAN PAYMENT COLLECTIONS SEVICE 2200333 PITON LABS LLC 9450 SW GEMINI DRIVE PMB 44348 BEAVERTON OR 97006 SOFTWARE DEVELOPMENT SERVICES 641905 VIRSA CAPITAL INC 17914 MURPHY PARKWAY LATHROP CA 95330 REFERRAL FEE FOR SMALL BUSINESS LOANS 636486 MEASURED CONNECTIONS 4419 CENTENNIAL BLVD 408 COLORADO SPRINGS CO 80907 GENERAL IT SUPPORT 361166 BAIRESDEV LLC 1999 S BASCOM AVENUE CAMBELL CA 95008 SOFTWARE DEVELOPMENT SERVICES 271454 23 200000 14469737 37614 14669737 INTEREST FROM LOAN PRO 900099 16520749 16520749 LOAN ORIGINATION AND M 900099 4853970 4853970 NMTC ADMIN. FEES 900099 2141113 2141113 LOAN SALES 900099 1174747 1174747 OTHER 900099 1118480 1118480 25809059 3620911 3620911 1306469 751288 1291414 409862 15055 341426 356481 356481 44456188 25809059 0 3977392 150000 150000 2573637 2573637 2873336 186990 2409178 277168 16177066 14207475 564360 1405231 486629 235192 224323 27114 1863666 1170598 613470 79598 1335435 635031 614524 85880 99562 46495 53067 169450 5000 164450 43382 43382 2355348 1384838 901628 68882 828705 708707 57288 62710 262636 167109 77340 18187 4347301 2735937 1499714 111650 470082 261709 176883 31490 246778 115916 111611 19251 37312 17590 17807 1915 3864950 3864950 562367 312828 211828 37711 136407 75879 51380 9148 PROVISION FOR LOAN LOSS 10548190 10548190 PROGRAM DIRECT EXPENSES 5880694 5874492 6096 106 RECRUITING EXPENSES 77767 10855 57283 9629 SPECIAL EVENT 71687 44837 26850 8398 968 5168 2262 55470785 45378605 7817398 2274782 23076528 22014251 20203643 21007678 1994934 1309306 121445457 142087354 638362 973346 7658867 5626108 1628464 2032759 7145340 3729002 854811 898055 51776865 23291789 228764404 217343540 5990234 8033905 148682580 148602580 1316194 916734 155989008 157553219 X 48534346 43436798 24241050 16353523 72775396 59790321 228764404 217343540 X -11014597 29522 -2000000 X 0 1 X 1 1 1 X 24022999 30880553 32795476 22422998 14669737 124791763 24022999 30880553 32795476 22422998 14669737 124791763 11194317 113597446 37851 83499 49470 1644465 3620911 5436196 130227959 122573201 0.87230 0.87080 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 53629 53629 55417156 55470785 1000000 250000 0 0 1000000 1000000 1000000 1000000 4000000 6000000 92819 63383 71448 53629 281279 250000 250000 250000 250000 1000000 1500000 176527 176527 0 362332 241813 120519 7120008 5207768 1912240 2032759 CASH LIMITED IN USE FOR PROGRAMS 21614190 OPERATING LEASE RIGHT OF USE ASSETS 877118 REPOSSESSED ASSETS 800481 23291789 SAVINGS PROGRAM MATCH 399 OPERATING LEASE LIABILITY 916335 916734 X 31444644 29522 1372074 -10548190 -9146594 40591238 3864950 3864950 44456188 42429719 1372074 1372074 41057645 3864950 10548190 14413140 55470785 PART X, LINE 2: THE ORGANIZATION IS EXEMPT FROM FEDERAL INCOME TAXES UNDER THE PROVISIONS OF SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE. IN ADDITION, THE ORGANIZATION QUALIFIES FOR CHARITABLE CONTRIBUTION DEDUCTIONS AND HAS BEEN CLASSIFIED AS AN ORGANIZATION THAT IS NOT A PRIVATE FOUNDATION. INCOME WHICH IS NOT RELATED TO EXEMPT PURPOSES LESS APPLICABLE DEDUCTIONS, IS SUBJECT TO FEDERAL AND STATE CORPORATE INCOME TAXES. THE ORGANIZATION HAD NO UNRELATED BUSINESS INCOME FOR THE YEARS ENDED JUNE 30, 2024 AND 2023, RESPECTIVELY. THE ORGANIZATION IS EXEMPT FROM CALIFORNIA STATE INCOME TAXES UNDER THE PROVISION OF SECTION 23701D OF THE REVENUE AND TAXATION CODE. THE ORGANIZATION MAY BE LIABLE FOR INCOME TAXES BASED ON INCOME EARNED IN OTHER STATES IN WHICH IT HAS NOT YET APPLIED FOR EXEMPTION. AS OF JUNE 30, 2024 AND 2023, THE ORGANIZATION ASSESSED THE AMOUNT OF STATE TAXES, IF ANY, TO BE IMMATERIAL TO ITS FINANCIAL STATEMENTS AND DID NOT ACCRUE ANY TAX LIABILITY IN ITS STATEMENT OF FINANCIAL POSITION. THE ORGANIZATION IS SUBJECT TO POTENTIAL EXAMINATION BY TAXING AUTHORITIES FOR INCOME TAX RETURNS FILED IN THE U.S. FEDERAL JURISDICTION AND THE STATE OF CALIFORNIA. THE TAX YEARS THAT REMAIN SUBJECT TO POTENTIAL EXAMINATION FOR THE U.S. FEDERAL JURISDICTION ARE YEARS ENDED JUNE 30, 2020, AND FORWARD. THE STATE OF CALIFORNIA TAX JURISDICTION IS SUBJECT TO POTENTIAL EXAMINATION FOR YEARS ENDED JUNE 30, 2019 AND FORWARD. AS OF JUNE 30, 2024 AND 2023, MANAGEMENT DID NOT IDENTIFY ANY UNCERTAIN TAX POSITIONS. PART XI, LINE 2D - OTHER ADJUSTMENTS: PROVISION FOR LOAN LOSSES -10,548,190. PART XII, LINE 4B - OTHER ADJUSTMENTS: PROVISION FOR LOAN LOSSES 10,548,190. 1 ACCESSITY 404 EUCLID AVENUE SUITE 271 SAN DIEGO CA 92114 330620415 501(C)(3) 25000 0 PROGRAM SUPPORT ACCION INTERNATIONAL 10 FAWCETT STREET SUITE 204 CAMBRIDGE MA 02138 132535763 501(C)(3) 50000 0 PROGRAM SUPPORT CENTER FOR WOMEN & ENTERPRISE INC 24 SCHOOL STREET 7TH FLOOR BOSTON MA 02108 043256236 501(C)(3) 25000 0 PROGRAM SUPPORT HOT BREAD KITCHEN 630 FLUSHING AVE SUITE 210 BROOKLYN NY 11206 263332972 501(C)(3) 25000 0 PROGRAM SUPPORT THE HATCHERY CHICAGO 320 N DAMEN AVENUE SUITE D100 CHICAGO IL 60612 363312341 501(C)(3) 25000 0 PROGRAM SUPPORT 5 0 CASH GRANT 309 2252924 LOAN PAYMENT RELIEF 469 320712 FMV MONTHLY PAYMENT RELIEF PART I, LINE 2: 1. GRANTS - OPPORTUNITY FUND FOLLOWED THE GUIDELINE OUTLINED IN THE GRANT AGREEMENTS. 2. OPPORTUNITY FUND, IN THEIR EFFORT TO SUPPORT SMALL BUSINESS OWNERS DURING THE COVID-19 PANDEMIC, INITIATED 2 GRANT PROGRAMS TO INDIVIDUALS. X X X 1 0 0 0 0 0 0 1 0 LUZ DE LOURDES LOPEZ URRUTIA CHIEF EXECUTIVE OFFICER 355775 0 52500 0 0 0 12200 0 8146 0 428621 0 0 0 ANJANA THATTE BERDE CHIEF PEOPLE OFFICER 295492 0 63525 0 0 0 12200 0 17105 0 388322 0 0 0 ROBERT KERN SEARS CHIEF PRODUCT OFFICER 337568 0 25450 0 0 0 0 0 21277 0 384295 0 0 0 CHRISTOPHER PILKERTON CHIEF REGULATORY STRATEGY OFFICER 284087 0 50985 0 0 0 12200 0 20945 0 368217 0 0 0 KEVIN P GABEL VP, PRODUCT 264929 0 42560 0 0 0 10640 0 24552 0 342681 0 0 0 LAUREN N VAN DER TUIN CHIEF ANALYTICS OFFICER 236861 0 60000 0 13125 0 11710 0 14590 0 336286 0 0 0 ERIC SEAN TRUX SVP, TREASURER 242900 0 42400 0 0 0 11500 0 24455 0 321255 0 0 0 VERONICA FIGOLI FLEISCHER CHIEF DEVELOPMENT OFFICER 233140 0 42917 0 1560 0 9863 0 0 0 287480 0 0 0 MICHAEL RAPAPORT PRESIDENT & COO (THRU 08/23) 191125 0 37080 0 27038 0 12200 0 19683 0 287126 0 0 0 GINA HARMAN CHIEF ADMIN OFFICER (THRU 10/23) 178333 0 42848 0 47168 0 12200 0 5459 0 286008 0 0 0 GRETCHEN RUETHLING SVP, STRATEGIC PARTNERSHIP 219705 0 37570 0 0 0 9552 0 8583 0 275410 0 0 0 MEAGHAN MARY BEVER CHIEF COMPLIANCE OFFICER 209158 0 35190 0 0 0 0 0 24552 0 268900 0 0 0 KAITLIN LYNCH VP OF MARKETING (THRU 09/23) 144892 0 23400 0 72422 0 0 0 11380 0 252094 0 0 0 DAVID COULTAS EVP & CHIEF FINANICAL OFFICER 216616 0 15000 0 0 0 0 0 19063 0 250679 0 0 0 PART I, LINE 4A KAITLIN LYNCH, VP OF MARKETING AND COMMUNICATIONS, RECEIVED A SEVERANCE PAYMENT OF $60,000 DURING THE YEAR. PART I, LINE 7 BONUSES ARE GIVEN EITHER AS RECOGNITION OF EXCEPTIONAL WORK (MOST OF THE TIME OUT OF THE ORDINARY , OUTSIDE OF THE PERSON JOB DESCRIPTION) OR AS EMPLOYEE RETENTION. X 4 37614 PUBLICLY TRADED EXCHANGE 0 0 1 0 PART I, COLUMN (B): THE ORGANIZATION IS REPORTING THE NUMBER OF CONTRIBUTORS RATHER THAN THE NUMBER OF ITEMS CONTRIBUTED. FORM 990, PART VI, SECTION A, LINE 6 ACCION OPPORTUNITY FUND INC., A DELAWARE NONSTOCK, NONPROFIT CORPORATION, IS THE SOLE STATUTORY MEMBER OF THE FILING ORGANIZATION. FORM 990, PART VI, SECTION A, LINE 7A ACCION OPPORTUNITY FUND IS THE SOLE STATUTORY MEMBER OF THE FILING ORGANIZATION AS DEFINED IN SECTION 5056 OF THE CALIFORNIA NONPROFIT PUBLIC BENEFIT CORPORATION LAW. AS NEARLY AS POSSIBLE AS ONE-THIRD OF THE DIRECTORS SHALL BE ELECTED TO THE BOARD AT EACH ANNUAL MEETING OF THE MEMBERS. FORM 990, PART VI, SECTION B, LINE 11B ACCION OPPORTUNITY FUND AUDIT COMMITTEE SHALL HAVE THE RESPONSIBILITY FOR REVIEWING THE ORGANIZATION'S FORM 990 (INCLUDING ALL PERTINENT SCHEDULES) BEFORE IT IS FILED WITH THE INTERNAL REVENUE SERVICE. ONCE THE AUDIT COMMITTEE HAS APPROVED THE DRAFT FORM 990, IT SHALL BE SENT TO ALL MEMBERS OF THE BOARD OF DIRECTORS FOR THEIR REVIEW, PRIOR TO FILING WITH IRS. ONCE THE REVIEW PERIOD HAS BEEN DULY EXPIRED, THE FORM 990 IS FILED WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION REQUIRES EACH DIRECTOR, PRINCIPAL OFFICER AND BOARD MEMBERS TO SIGN A DISCLOSURE STATEMENT WHICH AFFIRMS THEY RECEIVED A COPY, READ AND UNDERSTAND, AND COMPLY WITH THE ORGANIZATION'S CONFLICT OF INTEREST POLICY. FORM 990, PART VI, SECTION B, LINE 15A AOFCD USES A MARKET BASED SALARY STRUCTURE FROM 4 (FOUR) COMPETITIVE SETS: NON-PROFIT, FINANCIAL SERVICES-BANKS, FINANCIAL SERVICES-CREDIT UNION, AND FINTECH BASED ON SIZE, REVENUE, INDUSTRY, AND GEOGRAPHIC LOCATION TO CREATE MIN/MID/MAX RANGES FOR EACH ROLE. HUMAN RESOURCES REVIEWS EXTERNAL MARKET DATA ANNUALLY. THE BOARD OF DIRECTORS VOTES ON THE CEO'S SALARY. FORM 990, PART VI, SECTION C, LINE 19 ALL GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND THE FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST IN WRITING TO THE ORGANIZATION. THE FORM 990 IS ALSO AVAILABLE AT GUIDESTAR.ORG. FORM 990, PART XI, LINE 9: CURRENT EXPECTED CREDIT LOSSES -2,000,000. 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