- Revenue 2025
- $494,227
- Expenses 2025
- $489,042
Program services were 87.7% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.
As filed
- Subsection
- 03
- NTEE code
- L25
- Classification
- 1000
- Street
- PO BOX 5526
These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).
Mission and programs · 2025
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
Activities or mission (Part I)
APPALACHIAN OPPORTUNITY FUND PROVIDES FREE, CERTIFIED FINANCIAL COACHING AND FINANCIAL WELLBEING 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.
-
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
As filed on the 2025 return. The filer continues this part on Schedule O, which is not shown here.
Officers and directors · 2025
As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.
-
Beth McConkeyBETH MCCONKEY
EXECUTIVE DI
- Total calculated
- $44,485
- From this org
- $44,485
- From related orgs
- $0
- Other
- $0
- Hours/week
- 40
-
Chad CovertCHAD COVERT
TREASURER
- Total calculated
- $0
- Hours/week
- 1
-
Andy DidykANDY DIDYK
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Aaron DuffyAARON DUFFY
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Jesse GreenJESSE GREEN
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Eric KaoERIC KAO
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Leya MartinezLEYA MARTINEZ
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
-
Abraham McIntyreABRAHAM MCINTYRE
BOARD MEMBER
- Total calculated
- $0
- Hours/week
- 1
Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. Earlier years are each on their own filing page.
Filings
-
2025
- Revenue
- $494,227
- Expenses
- $489,042
- Contributions
- $454,011
- Grants paid
- $0
-
2024
- Revenue
- $374,597
- Expenses
- $412,980
- Contributions
- $318,195
- Grants paid
- $0
-
2024
- Revenue
- $374,597
- Expenses
- $412,980
- Contributions
- $318,195
- Grants paid
- $0
-
2023
- Revenue
- $321,792
- Expenses
- $311,703
- Contributions
- $231,918
- Grants paid
- $0
-
2022
- Revenue
- $211,632
- Expenses
- $222,736
- Contributions
- $130,182
- Grants paid
- $0
The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.
Other returns filed
-
2021 · 990
- Revenue
- $240,750
- Expenses
- $191,011
- Assets (EOY)
- $128,725
-
2020 · 990
- Revenue
- $162,497
- Expenses
- $102,071
- Assets (EOY)
- $78,986
Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.
Form 990-N e-Postcard, tax year 2019
- Tax period
- 1 January 2019 to 31 December 2019
- Principal officer
-
Aaron Duffy
- Mailing address
- 1524 Bridgewater Ln STE 103Kingsport TN 37660
- Website
- Something was entered that is not a web address, so it is not shown.
As filed, from the IRS e-Postcard file of 2 November 2026. The IRS publishes only each organization's most recent postcard, so earlier years are not shown. A 990-N carries no financial detail. The postcard also gives the principal officer's address, which is not shown here.
Grants made
No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.
Grants received
-
$55,000
2023 PROGRAM DEVELOPMENT
-
2024 ORGANIZATION SUPPORT
-
2023 ORGANIZATION SUPPORT
-
2022 GROWTH
Other IRS files
Auto-Revocation List
Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.
Publication 78
Listed as of 13 October 2026, under deductibility PC.
These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.
What this page reflects
The registration facts above come from the IRS Business Master File published 9 November 2026 and read 9 November 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.