Microfinance Opportunities (EIN 300075787) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2002

Legal Domicile

Phone

2027210050

Tax Period

2024-01-01 to 2024-12-31

Microfinance Opportunities, founded in 2002, is a small nonprofit in the Education sector that reported $326K in total revenue in fiscal year 2024. Revenue surged 108% from the prior year, signaling strong growth momentum. Expenses of $300K left a modest 8% surplus.

Mission

Microfinance Opportunities is a global non-profit committed to understanding the economic realities of low-income and marginalized people.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $5,340

Program Service Revenue $320,324

Investment Income $0

Other Revenue $241

TOTAL REVENUE $325,905

Expense Breakdown

Grants Paid $0

Salaries & Benefits $64,919

Fundraising Expenses $0

Program Expenses $260,025

Other Expenses $235,262

TOTAL EXPENSES $300,181

Year-over-Year Comparison

	2024	2023	Change
Revenue	$325,905	$156,708	+1.1%
Expenses	$300,181	$302,364	0.0%
Net Income	$25,724	$-145,656	-1.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✓ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$57,319

Total Directors

$57,319

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Elizabeth Keating	Board Chair	1.00	Director	$0	$0	$0
Eric Bell	President	1.00	Director	$0	$0	$0
James Pickup	Director	1.00	Director	$0	$0	$0
Larry Reed	Director	1.00	Director	$0	$0	$0
Guy Stuart	Executive Director	40.00	Officer Director	$55,901	$1,418	$57,319

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$325,905	$300,181	$55,819	$25,724
2023	$156,708	$302,364	$18,839	$-145,656
2022	$634,787	$940,206	$221,751	$-305,419
2021	$1,122,971	$849,589	$504,757	$273,382
2020	$624,964	$498,097	$201,158	$126,867

Microfinance Opportunities