2026-09-09T11:44:50-05:00 2025-12-31 132781641 MITCHELL & TITUS LLP 80 PINE STREET NEW YORK NY 10005 990 2025-01-01 205189202 OPPORTUNITY FINANCE NETWORK OPPO 2025732123 901 D STREET SW SUITE 1050 WASHINGTON DC 20024 KEVIN FRYATT EVP, CHIEF FINANCIAL OFFICER 2025732123 2026-09-09 1 ERIC HARRISON P01916785 2157654600 2026-09-09 2025 X X KEVIN FRYATT 901 D STREET SW SUITE 1050 WASHINGTON DC 20024 140550766 0 X WWW.OFN.ORG X 2006 PA OPPORTUNITY FINANCE NETWORK'S (OFN) MISSION IS TO LEAD COMMUNITY DEVELOPMENT FINANCIALINSTITUTIONS (CDFIS) AND THEIR PARTNERS TO ENSURE THAT LOW-INCOME, LOW-WEALTH, AND OTHER DISINVESTED PEOPLE AND COMMUNITIES HAVE ACCESS TO AFFORDABLE, RESPONSIBLE FINANCIAL PRODUCTS AND SERVICES. OFN IS A NATIONAL LEADERSHIP NETWORK OF MORE THAN 450+CDFIS, INCLUDING COMMUNITY BANKS, CREDIT UNIONS, VENTURE FUNDS, AND LOAN FUNDS. OFN, THROUGH ITS MEMBERS, INVESTS IN LOW-INCOME AND UNDERSERVED RURAL, URBAN, AND NATIVE AMERICAN COMMUNITIES ACROSS ALL 50 STATES IN AMERICA; PROVIDING AFFORDABLE, RESPONSIBLE CREDIT THAT FINANCES COMMUNITY BUSINESSES, SPARKS JOB GROWTH IN THE AREAS THAT NEED IT MOST, AND DELIVERS BOTH SOUND FINANCIAL RETURNS AND REAL CHANGES FOR PEOPLE AND COMMUNITIES. OFN'S PROGRAM SERVICE OFFERINGS INCLUDE PROVIDING FINANCIAL PRODUCTS AND SERVICES FOR CDFIS, INCREASING THE STRENGTH AND CAPACITY OF THE CDFI INDUSTRY, AND AMPLIFYING THE VOICE OF THE INDUSTRY. 14 13 95 14 0 0 2301598149 25493544 27588449 110218591 4598691 4035316 0 0 2333785289 139747451 14800000 2865000 0 0 10302658 13508621 0 194350 890241 15852993 16524455 40955651 33092426 2292829638 106655025 2624374128 2739933864 198614523 209174589 2425759605 2530759275 X OFN'S MISSION IS TO LEAD CDFIS AND THEIR PARTNERS TO ENSURE THAT LOW-INCOME, LOW-WEALTH, AND OTHER UNDERSERVED PEOPLE AND COMMUNITIES HAVE ACCESS TO AFFORDABLE, RESPONSIBLE FINANCIAL PRODUCTS AND SERVICES. 0 0 8644453 2865000 10382146 MONEY: OFN IS ONE OF THE COUNTRY'S LARGEST INVESTORS IN CDFIS, EXPANDING ACCESS TO RESPONSIBLE, AFFORDABLE CAPITAL ACROSS THE COUNTRY. THE MONEY ASPECT OF OFN'S WORK INCLUDES THE FOLLOWING ACTIVITIES WHICH BENEFIT LOW-INCOME AND LOW-WEALTH COMMUNITIES THROUGHOUT THE U.S: OFN'SFINANCING FUND (ON-BALANCE-SHEET LENDING AND INVESTING IN CDFIS); FUND MANAGEMENT SERVICES (FEE-BASED BUSINESS PROVIDING CDFI FUND MANAGEMENT AND ASSET MANAGEMENT SERVICES TO THIRD PARTY INVESTORS); AND CDFI BOND GUARANTEE PROGRAM BOND ISSUANCE AND ADMINISTRATIVE SERVICES. IN 2025, OFN CLOSED A $100 MILLION BOND THROUGH THE CDFI FUND'S BOND GUARANTEE PROGRAM, RAISED AN ADDITIONAL $81.2 MILLION IN TOTAL CAPITAL, AND BUILT A STRONG PIPELINE OF STRATEGIC PARTNERSHIPS TO SUPPORT DEPLOYMENT TO CDFIS IN THE YEARS AHEAD. OFN NOW MANAGES OVER $1 BILLION IN TOTAL ASSETS, SOLIFYING OUR POSITION AS ONE THE COUNTRY'S LEADEING INVESTMENT INTERMEDIARIES IN THE COMMUNITY DEVELOPMENT FINANCE INDUSTRY. 8650163 0 6576771 STRENGTH: OFN IS THE LEADING CONVENER, CAPACITY BUILDER, AND THOUGHT LEADER IN COMMUNITY DEVELOPMENT FINANCE. OFN STRENGTHENS THE CDFI INDUSTRY BY PROVIDING PEER LEARNING OPPORTUNITIES, RESEARCH, NETWORKING PLATFORMS, AND SIGNATURE ANNUAL EVENTS (E.G. THE OFN CONFERENCE AND SMALL BUSINESS FINANCE FORUM) FOR CDFI PRACTITIONERS, PARTNERS, AND INVESTORS. IN 2025, OFN LAUNCHED A NEW SERIES OF PRACTITIONER-FOCUSED CONVENINGS IN MARKETING COMMUNICATIONS AND HUMAN CAPITAL.TO SUPPORT THE PROFESSIONAL DEVELOPMENT AND GROWTH OF CDFI INDUSTRY PROFESSIONALS, IN 2025 OFN LAUNCHED THE CAREER MEETS PURPOSE HUB, ONE IMPORTANT COMPONENT OF THE ORGANIZATION'S STRATEGIC SUPPORT FOR THE CDFI WORKFORCE THROUGH THE CAREER MEETS PURPOSE INITIATIVE. OFN REPORTS, SURVEYS, AND OTHER PUBLICATIONS PROVIDE VALUABLE DATA AND INSIGHT ON THE CDFI INDUSTRY AND, IN 2025, OFN CONTINUED TO PUBLISH FEATURED REPORTS LIKE THE 27TH EDITION OF THE SIDE BY SIDE CHARTBOOK AND MEMBER SURVEY ALONGSIDE NEW PUBLICATIONS INCLUDING THE INSIGHT BRIEFING ON DONOR-ADVISED FUNDS AND CDFIS, SECTOR TRENDS IN OFN MEMBER LOAN FUND LENDING, AND THE IMPACT OF CDFI FUND FINANCIAL ASSISTANCE AWARDS. THESE NEW OFFERINGS COMPLEMENT OFN'S RANGE OF IN-PERSON AND ONLINE TRAININGS AND OFN'S ANNUAL CONFERENCE, WHICH BROUGHT TOGETHER 2,100 ATTENDEES REPRESENTING 46 STATES AND TERRITORIES FOR MORE THAN 130 BREAKOUT SESSIONS AND MAINSTAGE DISCUSSIONS. 2486399 0 0 VOICE: ACROSS MULTIPLE CHANNELS AND AUDIENCES, OFN'S POLICY ADVOCACY AND STRATEGIC COMMUNICATIONS DRIVE THE MESSAGE THAT CDFI INVESTMENTS TRANSFORM COMMUNITIES AND CHANGE LIVES, AMPLIFYING THE CDFI MESSAGE, DEEPENING SUPPORT FOR COMMUNITY DEVELOPMENT FINANCE, AND INCREASING RESOURCES FOR CDFIS. IN 2025, OFN WAS INSTRUMENTAL IN SECURING A LEVEL $324 MILLION APPROPRIATION FOR THE CDFI FUND, LEADING MORE THAN 300 HILL VISITS THAT MOBILIZED AND DEEPENED BIPARTISAN SUPPORT FOR COMMUNITY DEVELOPMENT FINANCE, AND WORKING WITH OUTLETS INCLUDING THE NEW YORK TIMES, THE WALL STREET JOURNAL, AND POLITICO TO TELL THE STORY OF THE IMPACT AND IMPORTANCE OF CDFIS. 2590953 0 93259674 OTHER 2590953 0 93259674 22371968 1 1 0 1 0 0 0 0 0 0 1 0 0 0 1 1 0 1 0 0 0 0 0 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 1 71 0 1 95 1 0 0 0 0 0 0 0 0 0 0 0 0 X 14 13 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 PA AK AL AR AZ CA CO CT DC FL GA HI IL KS KY MA MD ME MI MS MN MO NC ND NJ NH NM NV NY OH OK OR RI SC TN UT VA WA WI WV X KEVIN FRYATT 2025732123 901 D STREET SW SUITE 1050 WASHINGTON DC 20024 AISHA BENSON BOARD CHAIR 2.00 0.00 X X 0 0 0 MARTINA EDWARDS BOARD MEMBER 2.00 0.00 X 0 0 0 HENRY JIMENEZ BOARD VICE CHAIR 2.00 0.00 X X 0 0 0 TED PICCOLO BOARD MEMBER 2.00 0.00 X 0 0 0 SARA RAZAVI BOARD MEMBER UNTIL 10/25 2.00 0.00 X 0 0 0 CHRISTINA TRAVERS BOARD TREASURER 2.00 0.00 X X 0 0 0 HAROLD PETTIGREW PRESIDENT & CEO 40.00 0.00 X X 418456 0 14609 SKYA DUCHENEAUX BOARD MEMBER 2.00 0.00 X 0 0 0 JOHN HOLDSCLAW IV BOARD MEMBER 2.00 0.00 X 0 0 0 ARIEL MEYERSTEIN BOARD MEMBER 2.00 0.00 X 0 0 0 NELLY ROJAS-MORENO BOARD MEMBER 2.00 0.00 X 0 0 0 ARLO WASHINGTON BOARD MEMBER 2.00 0.00 X 0 0 0 DEMARIO GREENE BOARD MEMBER SINCE 10/25 2.00 0.00 X 0 0 0 TITI IKHILE BOARD MEMBER SINCE 10/25 2.00 0.00 X 0 0 0 CHUCK WALL BOARD MEMBER SINCE 10/25 2.00 0.00 X 0 0 0 AMBER KUCHAR BELL EVP, CHIEF PROGRAMS OFFICER 40.00 0.00 X 271603 0 35141 SHAKEYDA DANIELS SVP, FINANCIAL SERVICES 40.00 0.00 X 195073 0 14372 DAFINA WILLIAMS EVP, CHIEF PUBLIC POLICY OFFICER 40.00 0.00 X 265540 0 23152 MARY WRIGHT SVP, FINANCIAL SERVICES 40.00 0.00 X 212069 0 9790 SETH JULYAN EVP, CHIEF NETWORK OFFICER 40.00 0.00 X 266541 0 25914 KEVIN FRYATT EVP, CHIEF FINANCIAL OFFICER 40.00 0.00 X 328652 0 30581 BRENDON MILLER EVP, CHIEF OF STAFF & HEAD OF COMMUNICATIONS 40.00 0.00 X 283010 0 11718 JESSEL AMIN EVP, CHIEF INVESTMENT OFFI 40.00 0.00 X 324139 0 28971 REGINA ROSS EVP, CHIEF PEOPLE & OPERATIONS OFFICER 40.00 0.00 X 364594 0 22111 ANTHONY BERKLEY EVP, CHIEF DEVELOPMENT OFFICER 40.00 0.00 X 273186 0 28818 DAMON SMITH GENERAL COUNSEL 40.00 0.00 X 343057 0 21772 ADRIENNE SMITH SVP, RESEARCH 40.00 0.00 X 190917 0 7666 TAMARA FRYE SVP, HUMAN RESOURCES 40.00 0.00 X 180464 0 21751 SINDHU LAKSHMANAN SVP, DEVELOPMENT SER 40.00 0.00 X 181937 0 15148 MOHAMMAD HOURANI SVP, FINANCE AND ACCOUNTING 40.00 0.00 X 234329 0 26774 ABHILASH RAJAN SVP, INFORMATION TECHNOLOGY AND FACILITIES ADMINIS 40.00 0.00 X 200792 0 10494 MARY SCOTT BALYS SVP, PUBLIC POLICY 40.00 0.00 X 177101 0 13654 BIANCA PRADE SINCE 625 SVP, STRATEGIC COMMUNICATIONS 40.00 0.00 X 121564 0 23 DAMAYANTI HALDER SVP, DATA 40.00 0.00 X 166585 0 1435 ANTHONY WILDER PUZZUOLI SVP, MEMBERSHIP 40.00 0.00 X 175049 0 11688 CONSTANCE SAMUELS SVP, EVENTS SINCE 04/25 40.00 0.00 X 135033 0 6314 5309691 0 381896 22 0 1 0 WINSTON & STRAWN LLP 35 W WACKER DR CHICAGO IL 60601 LEGAL SERVICES 1267389 JENNER & BLOCK 353 N CLARK STREET CHICAGO IL 606543456 LEGAL SERVICES 751133 BAKER TILLY ADVISORY GROUP PARENT LLC PO BOX 7398 MADISON WI 537077398 ADVISORY SERVICES 702449 ALL AROUND CREATIVE 105 ATSION ROAD SUITE J MEDFORD NJ 08055 MARKETING SERVICES 422622 ON SERVICES LLC 6779 CRESCENT DRIVE NORCROSS GA 30071 AUDIO VISUAL SERVICES 395935 12 1124325 24369219 25493544 PROGRAM INCOME 900099 93259674 93259674 INTEREST ON LOANS 525990 7350546 7350546 SPONSORSHIP INCOME 900099 3636583 3636583 OTHER FEES 900099 3093050 3093050 TRAINING EVENTS 900099 2878738 2878738 110218591 4024465 4024465 697200 116966 686349 116966 10851 0 10851 10851 139747451 110218591 0 4035316 X 2865000 2865000 4843162 2327303 2222962 292897 6566875 4911279 1440308 215288 291486 199424 78010 14052 941286 620571 261958 58757 865812 575034 254601 36177 207923 207923 1488320 61873 1388390 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245544899 17045636 17065000 645559 400000 5129000 40285195 0 17045636 17065000 645559 400000 5129000 40285195 205259704 137904 1039153 4067079 3520456 4024465 12789057 137904 1039153 4067079 3520456 4024465 12789057 1914230 1914230 30742570 36051659 25865303 42707054 124881600 260248186 0.78870 0.61860 0.04910 0.05360 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 8800 168273 177073 32915353 33092426 1000000 250000 0 0 1000000 1000000 1000000 1000000 4000000 6000000 40383 51217 36406 177073 305079 250000 250000 250000 250000 1000000 1500000 2000 3300 2200 8800 16300 SCHEDULE C, PART IV OFN CONDUCTS PERMITTED LOBBYING ACTIVITIES AND WORKED IN THE FOLLOWING PRIMARY AREAS IN 2025: FINANCIAL SERVICES, SMALL BUSINESS, HOUSING, CDFI FUND, AND NEW MARKETS TAX CREDIT, NATIONAL DEFENSE AUTHORIZATION ACT, NEIGHBORHOOD HOMES INVESTMENT ACT, LOW INCOME HOUSING TAX CREDIT. 799372 446225 353147 1004382 990776 13606 443174 368000 75174 441927 EQUITY EQUIVALENT LOANS PAYABLE 23583333 FUNDS HELD FOR THIRD PARTY 1272222 OPERATING LEASE LIABILITY 3232200 28087755 X 135639533 282800 47614 330414 135309119 10104 4428228 4438332 139747451 30545590 47614 47614 30497976 10104 2584346 2594450 33092426 PART X, LINE 2: INCOME TAXES: THE ORGANIZATION IS GENERALLY 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 SIGNIFICANT NET UNRELATED BUSINESS INCOME FOR THE YEARS ENDED DECEMBER 31, 2025 AND 2024. MANAGEMENT EVALUATED THE ORGANIZATION'S TAX POSITIONS AND CONCLUDED THAT THE ORGANIZATION HAD TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT OF THE FINANCIAL STATEMENTS. CONSEQUENTLY, NO ACCRUAL FOR INTEREST AND PENALTIES WAS DEEMED NECESSARY FOR THE YEARS ENDED DECEMBER 31, 2025 AND 2024. THE ORGANIZATION FILES TAX RETURNS IN THE U.S. FEDERAL AND STATE JURISDICTIONS. GENERALLY, THE ORGANIZATION IS NO LONGER SUBJECT TO TAX EXAMINATION BY THE U.S. FEDERAL OR STATE TAX AUTHORITIES FOR YEARS BEFORE 2021. PART XI, LINE 4B - OTHER ADJUSTMENTS: INTEREST EXPENSES 2,584,346. PROVISION FOR LOAN LOSSES 1,843,882. PART XII, LINE 4B - OTHER ADJUSTMENTS: INTEREST EXPENSES 2,584,346. X 1 LIPSON COMMUNITY CONSULTING LLC 1337 GRENOX ROAD WYNNEWOOD PA 19096 HELP WITH SPECIFIC FUNDRAISING OPPORTUNITIES AND DRAFTING PI 0 15000000 75850 14924150 CAREY & CO 658 PECONIC AVE WEST BABYLON NY 11704 HELP WITH 2025 RAPID RESPONSE CAMPAIGN, ONGOING FUNDRAISING 0 2091500 80000 2011500 GOOD GROWTH STRATEGIES LLC 20 PARK ROAD BELMONT MA 02478 HELP WITH 2025 RAPID RESPONSE CAMPAIGN, ONGOING FUNDRAISING 0 0 30000 -30000 SZ CONSULTING LLC 1507 RUSSELL ROAD ALEXANDRIA VA 22301 HELP WITH CDFI FUND CERTIFICATION AND FA APPLICATION. 0 0 8500 -8500 17091500 194350 16897150 AL AK AR CA CO CT DC FL GA HI IL KS KY ME MD MA MI MN MS MO NV NH NJ NM NY NC ND OH OK OR PA RI SC TN UT VA WA WV WI 1 AMPAC BUSINESS CAPITAL 3110 B INLAND EMPIRE BLVD ONTARIO CA 91764 753192344 501C3 150000 0 OPERATING GRANT ATLANTA NEIGHBORHOOD DEVELOPMENT PARTNERSHIP 229 PEACHTREE STREET NORTHEAST SUITE 800 ATLANTA GA 30303 581946632 501C3 150000 0 OPERATING GRANT CINCINNATI DEVELOPMENT FUND INC 1818 RACE STREET SUITE 401 CINCINNATI OH 45202 311256064 501C3 100000 0 OPERATING GRANT COMMUNITY CAPITAL NEW YORK 44 EXECUTIVE BOULEVARD ELMSFORD NY 10523 133544227 501C3 150000 0 OPERATING GRANT COMMUNITY HEALTH CENTER CAPITAL FUND 40 COURT STREET 10TH FLOOR BOSTON MA 02018 043122535 501C3 150000 0 OPERATING GRANT COMMUNITY INVESTMENT COLLABORATIVE 300 PRESTON AVENUE SUITE 206 CHARLOTTESVILLE VA 22902 454105820 501C3 150000 0 OPERATING GRANT DAKOTA RESOURCES 25795 475TH AVENUE SUITE 1 RENNER SD 57055 460442430 501C3 150000 0 OPERATING GRANT FEED THE HUNGER FUND 100 MONTGOMERY ST SAN FRANCISCO CA 94129 262975093 501C3 150000 0 OPERATING GRANT FIRST CHILDREN'S FINANCE 212 THIRD AVENUE NORTH SUITE 310 MINNEAPOLIS MN 55401 411694837 501C3 150000 0 OPERATING GRANT GREAT FALLS DEVELOPMENT AUTHORITY INC 405 3RD STREET NORTHWEST SUITE 203 GREAT FALLS MT 59404 810465605 501C3 150000 0 OPERATING GRANT GROW SOUTH DAKOTA 104 ASH STREET EAST SISSETON SD 57262 562667948 501C3 150000 0 OPERATING GRANT HOME HEADQUARTERS 625 ERIE BLVD WEST SUITE 100 SYRACUSE NY 13204 222982267 501C3 215000 0 OPERATING GRANT NORTHWEST ACCESS FUND PO BOX 55759 SHORELINE WA 98155 912094889 501C3 150000 0 OPERATING GRANT NYCEEC (NEW YORK CITY ENERGY EFFICIENCY CORPORATION) 1359 BROADWAY 19TH FLOOR NEW YORK CITY NY 10018 273731338 501C3 150000 0 OPERATING GRANT RAINIER VALLEY COMMUNITY DEVELOPMENT FUND 6951 MARTIN LUTHER KING JR WAY SOUTH SUITE 225 SEATTLE WA 98118 331030838 501C3 150000 0 OPERATING GRANT REDBUD FINANCIAL ALTERNATIVES INC 825 HIGH ST HAZARD KY 41701 472214397 501C3 150000 0 OPERATING GRANT SABRE FINANCE 1800 INTERNATIONAL PARK DRIVE SUITE 215 BIRMINGHAM AL 35243 465457673 501C3 150000 0 OPERATING GRANT TCHFH LENDING INC 1954 UNIVERSITY AVENUE WEST SAINT PAUL MN 55104 811958719 501C3 150000 0 OPERATING GRANT THE SUNLIGHT LOAN FUND LLC 1621 EAST HENNEPIN AVENUE SUITE 295 MINNEAPOLIS MN 55414 832025163 501C3 150000 0 OPERATING GRANT 19 PART I, LINE 2: OFN MAKES PASS-THROUGH GRANTS TO MEMBER CDFIS FOR CERTAIN OPERATIONAL AND PROGRAMMATIC PURPOSES. OFN ALSO MAKES CERTAIN PASS-THROUGH GRANTS TO CDFIS IN CONJUNCTION WITH ITS INVESTMENTS IN CDFIS, SUPPORTING CDFIS WORK IN LOW-INCOME AND OTHER DISINVESTED COMMUNITIES. X X 0 0 0 0 0 0 0 0 0 HAROLD PETTIGREW PRESIDENT & CEO 418456 0 0 0 0 0 14000 0 609 0 433065 0 0 0 REGINA ROSS EVP, CHIEF PEOPLE & OPERATIONS OFFIC 355594 0 9000 0 0 0 1468 0 20643 0 386705 0 0 0 DAMON SMITH GENERAL COUNSEL 309057 0 34000 0 0 0 0 0 21772 0 364829 0 0 0 KEVIN FRYATT EVP, CHIEF FINANCIAL OFFICER 319652 0 9000 0 0 0 6985 0 23596 0 359233 0 0 0 JESSEL AMIN EVP, CHIEF INVESTMENT OFFI 315139 0 9000 0 0 0 6760 0 22211 0 353110 0 0 0 AMBER KUCHAR BELL EVP, CHIEF PROGRAMS OFFICER 262603 0 9000 0 0 0 11252 0 23889 0 306744 0 0 0 ANTHONY BERKLEY EVP, CHIEF DEVELOPMENT OFFICER 264186 0 9000 0 0 0 4929 0 23889 0 302004 0 0 0 BRENDON MILLER EVP, CHIEF OF STAFF & HEAD OF COMMUN 274010 0 9000 0 0 0 10833 0 885 0 294728 0 0 0 SETH JULYAN EVP, CHIEF NETWORK OFFICER 257541 0 9000 0 0 0 10730 0 15184 0 292455 0 0 0 DAFINA WILLIAMS EVP, CHIEF PUBLIC POLICY OFFICER 256540 0 9000 0 0 0 10730 0 12422 0 288692 0 0 0 MOHAMMAD HOURANI SVP, FINANCE AND ACCOUNTING 223829 0 10500 0 0 0 3235 0 23539 0 261103 0 0 0 MARY WRIGHT SVP, FINANCIAL SERVICES 201569 0 10500 0 0 0 8640 0 1150 0 221859 0 0 0 ABHILASH RAJAN SVP, INFORMATION TECHNOLOGY AND FACI 189792 0 11000 0 0 0 2778 0 7716 0 211286 0 0 0 SHAKEYDA DANIELS SVP, FINANCIAL SERVICES 184573 0 10500 0 0 0 7818 0 6554 0 209445 0 0 0 TAMARA FRYE SVP, HUMAN RESOURCES 171964 0 8500 0 0 0 7470 0 14281 0 202215 0 0 0 ADRIENNE SMITH SVP, RESEARCH 185417 0 5500 0 0 0 7596 0 70 0 198583 0 0 0 SINDHU LAKSHMANAN SVP, DEVELOPMENT SER 176437 0 5500 0 0 0 7432 0 7716 0 197085 0 0 0 MARY SCOTT BALYS SVP, PUBLIC POLICY 169101 0 8000 0 0 0 7403 0 6251 0 190755 0 0 0 ANTHONY WILDER PUZZUOLI SVP, MEMBERSHIP 169549 0 5500 0 0 0 7066 0 4622 0 186737 0 0 0 DAMAYANTI HALDER SVP, DATA 159835 0 6750 0 0 0 1365 0 70 0 168020 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 OFN IS A MEMBERSHIP ORGANIZATION, AND THE MEMBERSHIP IS OPEN TO NON-GOVERNMENTAL, MISSION-DRIVEN FINANCIAL INSTITUTIONS THAT MEET CERTAIN BASIC QUALIFICATIONS FORM 990, PART VI, SECTION A, LINE 7A PER OFN'S BYLAWS (LAST AMENDED ON OCTOBER 17, 2012), OFN MEMBERS ELECT MEMBERS OF THE BOARD OF DIRECTORS AT AN ANNUAL MEETING, AS THE TERMS OF OFFICE OF EXISTING BOARD MEMBERS EXPIRE OR A SEAT IS OTHERWISE VACATED. IN 2025, THE MEMBERS ELECTED THREE NEW BOARD MEMBERS AND RE-ELECTED ONE INCUMBENT BOARD MEMBER. FORM 990, PART VI, SECTION A, LINE 7B PER OFN'S BYLAWS (LAST AMENDED ON OCTOBER 17, 2012), OFN MEMBERS ELECT CERTAIN SEATS OF THE BOARD OF DIRECTORS AT AN ANNUAL MEETING, AS THE TERMS OF OFFICE OF EXISTING BOARD MEMBERS EXPIRE OR AN ELECTED SEAT IS OTHERWISE VACATED. IN ADDITION, MEMBERS MUST VOTE TO ADOPT NEW BYLAWS OR AMEND OR REPEAL EXISTING BYLAWS. NO NEW BYLAWS WERE CONSIDERED OR ADOPTED IN 2025, NOR WERE ANY BYLAWS PUT FORWARD TO THE MEMBERS FOR AMENDMENT OR REPEAL. FORM 990, PART VI, SECTION B, LINE 11B PRIOR TO FILING THE FORM 990, THE SVP, FINANCE & ACCOUNTING AND THE VP, ACCOUNTING REVIEW THE FORM FOR ACCURACY AND SUBSEQUENTLY FORWARD IT TO THE EVP, CHIEF FINANCIAL OFFICER AND PRESIDENT & CEO FOR REVIEW. FURTHERMORE, THE FORM 990 IS REVIEWED AND APPROVED BY THE BOARD FINANCE & AUDIT COMMITTEE. IN ADDITION, THEORGANIZATION SENDS AN ELECTRONIC COPY OF THE FORM 990 TO ITS BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 12C EACH YEAR THE BOARD OF DIRECTORS SIGNS A CONFLICT OF INTEREST STATEMENT WHICH DISCLOSES ANY CONFLICTS OF INTEREST AS DEFINED BY OFN'S CONFLICT OF INTEREST POLICY. IF THE BOARD MEMBER (OR ANY RELATED PARTY) IS INVOLVED IN TRANSACTIONS WITH OFN INCLUDING BUT NOT LIMITED TO LOAN AND GRANT APPLICATIONS TO OFN, AND CONSULTING CONTRACTS WITH OFN, THE BOARD MEMBER DISCLOSES THIS IN A SEPARATE STATEMENT. ALL STAFF MUST ALSO ADHERE TO OFN'S CONFLICT OF INTEREST POLICIES AND REPORT POTENTIAL CONFLICTS FOR REVIEW AND APPROVAL. FORM 990, PART VI, SECTION B, LINE 15 THE COMPENSATION FOR THE PRESIDENT & CEO IS GOVERNED BY AN EXECUTIVE EMPLOYMENT AGREEMENT AND DETERMINED THROUGH AN ANNUAL PERFORMANCE REVIEW. OFN'S BOARD CHAIR MANAGES THIS PROCESS BY REVIEWING THE PRESIDENT & CEO'S PERFORMANCE AGAINST SET GOALS. THEY USE A DOCUMENTED PROCESS OF SELF-ASSESSMENT AND PERFORMANCE REVIEW. THESE RESULTS ARE DOCUMENTED FOR THE RECORDS. COMPENSATION FOR OFN SENIOR OFFICERS AND KEY EMPLOYEES IS REVIEWED ON AN ANNUAL BASIS USING AN EXTERNAL MARKET COMPENSATION ANALYSIS WHICH PROVIDES BENCHMARKS FOR DETERMINING APPROPRIATE STAFF COMPENSATION RANGES. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST FOR THE SAME PERIOD OF DISCLOSURE AS SET FORTH IN SECTION 6104(D). FORM 990, PART IX, LINE 11G OTHER MISC PRGM CONTRACTS-FEES: PROGRAM SERVICE EXPENSES 2,760,831. MANAGEMENT AND GENERAL EXPENSES 906,350. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 3,667,181. FORM 990, PART XI, LINE 9: PROVISIONING FOR LOAN LOSS -1,843,882. CASH BALANCE FROM NCCA ENTITY -94,273. FORM 990 BOX B AMENDED RETURN OFN IS AMENDING THE FORM 990 FOR THE FOLLOWING: 1. 990, PART I, LINE 6 REPORTED 14 VOLUNTEERS. 2. 990, PART IV, LINE 17 MARKED AS YES. 3. 990, PART V, LINE 7E&7F MARKED AS NO. 4. 990, PART VII, REPORTED NEW OFFICER - DAMON SMITH. 5. 990, PART VII, REPORTED OTHER NON-TAXABLE BENEFITS FOR THE FOLLOWING OFFICERS, KEY EMPLOYEES, AND HIGHEST COMPENSATED EMPLOYEE: AMBER KUCHAR BELL KEVIN FRYATT REGINA ROSS ANTHONY BERKLEY SETH JULYAN TAMARA FRYE SINDHU LAKSHMANAN MOHAMMAD HOURANI ABHILASH RAJAN CONSTANCE SAMUELS. 6. 990, PART VII, REPORTED TITLE FOR MARY SCOTT BALYS. 7. 990, PART VIII, LINE 3 REPORTED GROSS INVESTMENT INCOME OF $4,024,465 (REMOVED FEES OF $10,104). 8. 990, PART VIII, LINE 7A & 7B REPORTED PROCEEDS AND COST FROM SALE OF SECURITIES AND LIQUID INVESTMENTS. 9. 990, PART IX, LINE 5 AND 7 - RECLASSED MANAGEMENT & GENERAL EXPESES OF $365,728 FROM LINE 7 TO LINE 5. 10. 990, PART IX, LINE 11D & 11G - RECLASSED LOBBYING FEES OF $50,000 FROM 11G PROGRAM SERVICE EXPESES. 11. 990, PART IX, LINE 11E & 11G - RECLASSED PROFESSIONAL FUNDRAISING SERVICES OF $194,350 FROM 11G FUNDRAISING EXPENSES. 12. 990, PART IX, LINE 11F - REPORTED INVESTMENT FEES OF $10,104. 13. 990, PART IX, LINE 24A - MOVED MISCELLANEOUS EXPENSES TO LINE 24E. 14. 990, PART XI, LINE 5 - ADJUSTED UNREALIZED GAINS BY $2 TO TIE NET ASSETS ON LINE 10. 15. SCH. A, PART III, LINE 7 - REMOVED RF CATALYTIC CAPITAL AND TRUIST CHARITABLE FOUNDATION AS DISQUALIFIED PERSONS. ADDED MASSMUTUAL FOUNDATION. 16. SCH. A, PART III, LINE 10A - REPORTED GROSS INVESTMENT INCOME OF $4,024,465. 17. SCH. B - CHANGED TO GENERAL RULE AND REPORTED ALL CONTRIBUTIONS ABOVE $5,000. 18. SCH C, PART II-A, LINE 1A - UPDATED TOTAL LOBBYING EXPENDITURES TO INFLUENCE PUBLIC OPINION (GRASS ROOTS LOBBYING) TO $8,800. 19.SCH C, PART II-A, LINE 1B - UPDATED TOTAL LOBBYING EXPENDITURES TO INFLUENCE A LEGISLATIVE BODY (DIRECT LOBBYING) TO $168,273. 20. SCH C, PART II-A, LINE 1D - UPDATED OTHER EXEMPT PURPOSE EXPENDITURES TO $32,915,353. 21. SCH D, PART XI AND XII, 4A, ADDED INVESTMENT FEE OF $10,104. 22. SCH G, PART I, - PREPARED SCH G, PART I. 23. SCH. I, PART II, LINE 2 - REPORTED THE TOTAL NUMBER 19 OF GRANTEES THAT ARE 501(C)(3). 24. SCH. R, PART III, COL (F) - REPORTED GROSS INCOME FROM K-1S INSTEAD OF NET INCOME. 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