Nonprofit · EIN 83-0920796
APPALACHIAN OPPORTUNITY FUND
Tax-exempt · JOHNSON CITY, TN 37602
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $494,227 | $489,042 | $5,185 | $108,399 | $0 | $108,399 |
| December 31, 2024 | 990 (amended) | $374,597 | $412,980 | -$38,383 | $103,214 | $0 | $103,214 |
| December 31, 2023 | 990 | $321,792 | $311,703 | $10,089 | $128,402 | $692 | $127,710 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $454,011
- Program service revenue
- $39,680
- Investment income
- $536
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Other salaries and wages
- $374,042
- Salaries, compensation and benefits (total)
- $402,806
- Professional fundraising fees
- $0
- Legal fees
- $1,631
- Occupancy
- $2,977
- Travel
- $10,296
- Depreciation
- $723
- Program services (functional)
- $428,777
- Management and general (functional)
- $39,701
- Fundraising (functional)
- $20,564
Balance sheet and other
- Total assets, start of year
- $103,214
- Total assets, end of year
- $108,399
- Total liabilities, end of year
- $0
- Net assets, end of year
- $108,399
- Land, buildings and equipment
- $3,629
- Gross receipts
- $494,227
- Employees
- 8
- Year formed
- 2018
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| BETH MCCONKEY | EXECUTIVE DI Trustee or director | 40 | $44,485 |
| CHAD COVERT | TREASURER Trustee or director | 1 | $0 |
| ANDY DIDYK | BOARD MEMBER Trustee or director | 1 | $0 |
| AARON DUFFY | BOARD MEMBER Trustee or director | 1 | $0 |
| JESSE GREEN | BOARD MEMBER Trustee or director | 1 | $0 |
| ERIC KAO | BOARD MEMBER Trustee or director | 1 | $0 |
| LEYA MARTINEZ | BOARD MEMBER Trustee or director | 1 | $0 |
| ABRAHAM MCINTYRE | BOARD MEMBER Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 11 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| VICTORIA HEWLETT | EXECUTIVE DI Former | 40 | $68,100 |
| CHAD COVERT | TREASURER Trustee or director | 1 | $0 |
| ANDY DIDYK | BOARD MEMBER Trustee or director | 1 | $0 |
| AARON DUFFY | BOARD MEMBER Trustee or director | 1 | $0 |
| JESSICA EDMISTEN | BOARD MEMBER Trustee or director | 1 | $0 |
| JESSE GREEN | BOARD MEMBER Trustee or director | 1 | $0 |
| RACHEL IRWIN | CHAIR Trustee or director | 1 | $0 |
| ERIC KAO | BOARD MEMBER Trustee or director | 1 | $0 |
| LEYA MARTINEZ | BOARD MEMBER Trustee or director | 1 | $0 |
| BETH MCCONKEY | EXECUTIVE DI Trustee or director | – | $0 |
| ABRAHAM MCINTYRE | BOARD MEMBER Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 9 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| VICTORIA HEWLETT | EXECUTIVE DI Trustee or director | 40 | $63,100 |
| LAUREN CLEMSON | BOARD MEMBER Trustee or director | 1 | $0 |
| CHAD COVERT | TREASURER Trustee or director | 1 | $0 |
| AARON DUFFY | BOARD MEMBER Trustee or director | 20 | $0 |
| JESSICA EDMISTEN | BOARD MEMBER Trustee or director | 1 | $0 |
| RACHEL IRWIN | CHAIR Trustee or director | 1 | $0 |
| DAMON JOHNSON | BOARD MEMBER Trustee or director | 1 | $0 |
| LEYA MARTINEZ | BOARD MEMBER Trustee or director | 1 | $0 |
| ABRAHAM MCINTYRE | BOARD MEMBER Trustee or director | 20 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 5526, JOHNSON CITY, TN 37602-5526
- In care of
- % ADAM DICKSON
- Mailing address (990-N for 2019)
- 1524 Bridgewater Ln STE 103, Kingsport TN 37660
- Principal officer (990 for 2025)
- BETH MCCONKEY, PO BOX 5526, JOHNSON CITY, TN 37602
- Principal officer (990-N for 2019)
- Aaron Duffy, 1524 Bridgewater Ln STE 103, Kingsport TN 37660
- Signed the 990
- BETH MCCONKEY, EXECUTIVE DIRECTOR
- Phone
- (800) 378-3778
- Website
- WWW.AOFCOACHING.NET
- Return prepared by
- CLEARPOINT CPAS PC
Mission
APPALACHIAN OPPORTUNITY FUND PROVIDES FREE, CERTIFIED FINANCIAL COACHING AND FINANCIAL WELL-BEING SERVICES TO INDIVIDUALS, FAMILIES, AND EMPLOYER PARTNERS ACROSS NORTHEAST TENNESSEE, HELPING LOW-AND-MODERATE INCOME HOUSEHOLDS ACHIEVE LASTING FINANCIAL STABILITY AND BUILD GENERATIONAL WEALTH IN CENTRAL APPALACHIA. APPALACHIAN OPPORTUNITY FUND (AOF) IS A 501(C)3 NONPROFIT ORGANIZATION DEDICATED TO BUILDING FINANCIAL STABILITY AND LONG-TERM ECONOMIC MOBILITY FOR INDIVIDUALS, FAMILIES, AND COMMUNITIES ACROSS NORTHEAST TENNESSEE. AOF OPERATES THROUGH THREE INTEGRATED PROGRAM AREAS: INDIVIDUALIZED FINANCIAL COACHING. AOF PROVIDES FREE, HIGH-INTENSITY, ONE- ON-ONE FINANCIAL COACHING DELIVERED BY AFCPE-CERTIFIED COACHES WHO MEET CLIENTS WHERE THEY ARE - IN WORKPLACES, RECOVERY CENTERS, COMMUNITY PARTNER SITES, AND VIRTUALLY. CLIENTS ENGAGE WITH THEIR COACH AN AVERAGE OF 30 TO 40 TIMES OVER THE COURSE OF A YEAR, DEVELOPING PERSONALIZED PLANS TO REDUCE DEBT, IMPROVE CREDIT, BUILD SAVINGS, NAVIGA
Program accomplishments
- THROUGH ITS CERTIFIED FINANCIAL COACHING PROGRAM, AOF INCREASED THE FINANCIAL WELL-BEING OF 1,137 PEOPLE IN NORTHEAST TENNESSEE - SERVING 517 INDIVIDUALS THROUGH DIRECT, ONE-ON-ONE COACHING. COLLECTIVELY, THESE CLIENTS PAID OFF 254,000 IN PREDATORY DEBT, SAVED OR INVESTED 174,000, NEGOTIATED 92,000 IN SAVINGS WITH CREDITORS AND LENDERS, AND GAINED 11,085 POINTS ACROSS THEIR COMBINED CREDIT SCORES. AS ONE COACHING CLIENT SHARED "AT FIRST, MANAGING MONEY FELT OVERWHELMING. I TRIED DIFFERENT SYSTEMS, BUT NOTHING REALLY STUCK. EVERYTHING CHANGED WHEN I STARTED WORKING WITH MY FINANCIAL COACH. SHE HELPED ME SIMPLIFY EVERYTHING - WRITING DOWN MY INCOME, BILLS, AND SPENDING. FOR THE FIRST TIME, I HAD CLARITY. THAT SMALL CHANGE HAS MADE BIG PROGRESS. I BECAME MORE CONFIDENT, MORE DISCIPLINED, AND STARTED TAKING CONTROL OF MY FINANCES. MY CREDIT SCORE INCREASED BY 90 POINTS - PROOF THAT THINGS WERE CHANGING. WITH GUIDANCE FROM MY COACH, I WAS FINALLY APPROVED FOR A MORTGAGE AND CLOSED ON A HOME. FOR THE FIRST TIME, MY KIDS AND I WILL HAVE A PLACE THAT IS TRULY OURS - A HOME FILLED WITH STABILITY, HEALING, AND NEW BEGINNINGS.Expenses $428,645 · revenue $39,680
- TO IMPROVE FINANCIAL HEALTH OF ASSET-LIMITED, INCOME-CONSTRAINED PEOPLE IN NORTHEAST TENNESSEE, SOUTHEAST KENTUCKY, AND SOUTHWEST VIRGINIA; TO ENSURE AVAILABILITY AND DEVELOPMENT OF AFFORDABLE HOUSING TO LOW-TO-MODERATE INCOME HOUSEHOLDS IN NORTHEAST TENNESSEE, SOUTHEAST KENTUCKY, AND SOUTHWEST VIRGINIA; AND TO ALLEVIATE POVERTY AND COMBAT COMMUNITY DETERIORATION IN NORTHEAST TENNESSEE, SOUTHEAST KENTUCKY, AND SOUTHWEST VIRGINIA.Expenses $132
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 83-0920796
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 2019
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Housing and shelter (L25)
- Assets (IRS master file)
- $108,399
- Income (IRS master file)
- $494,227
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $494,227 | $489,042 | $108,399 | XML |
| 990 | December 2024 | $374,597 | $412,980 | $103,214 | IRS |
| 990 | December 2023 | $321,792 | $311,703 | $128,402 | XML |
| 990 | December 2022 | $211,632 | $222,736 | $117,621 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990-N for 2019 Officer: Aaron Duffy | December 31, 2019 | ≤ $50,000 receipts | – | – | e-Postcard |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 83-0920796).
Questions about APPALACHIAN OPPORTUNITY FUND
- What is the EIN of APPALACHIAN OPPORTUNITY FUND?
- The employer identification number (EIN) of APPALACHIAN OPPORTUNITY FUND is 83-0920796.
- Is APPALACHIAN OPPORTUNITY FUND tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2019.
- Are donations to APPALACHIAN OPPORTUNITY FUND tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does APPALACHIAN OPPORTUNITY FUND file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of APPALACHIAN OPPORTUNITY FUND due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did APPALACHIAN OPPORTUNITY FUND last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of APPALACHIAN OPPORTUNITY FUND?
- The 990 for the year ended December 31, 2025 names BETH MCCONKEY.
- Who are the officers and directors of APPALACHIAN OPPORTUNITY FUND?
- The 990 for the year ended December 31, 2025 lists 8 people; 1 received compensation from the organization, the highest $44,485 (BETH MCCONKEY, EXECUTIVE DI).
- How much revenue does APPALACHIAN OPPORTUNITY FUND have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $494,227, expenses of $489,042 and total assets of $108,399 at year end.
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All nonprofits in JOHNSON CITY · Tennessee · Housing and shelter