OPPORTUNITY INTERNATIONAL INC D/B/A OPPORTUNITY INTERNATIONAL-US

EIN: 540907624 501(c)(3) International Affairs

CHICAGO, IL

Total Revenue
$47,809,537
Total Expenses
$48,753,965
Total Assets
$68,689,756
Net Assets
$28,877,563
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1971
Legal Domicile
IL
Principal Officer
ATUL TANDON
Phone
3124875000
Tax Period
2023-10-01 to 2024-09-30

OPPORTUNITY INTERNATIONAL INC D/B/A OPPORTUNITY INTERNATIONAL-US, founded in 1971, is a mid-sized nonprofit in the International Affairs sector that reported $47.8M in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion.

Mission

OPPORTUNITY INTERNATIONAL, INC., (OPPORTUNITY), IS A TAX EXEMPT, PUBLICLY SUPPORTED FAITH-BASED CORPORATION. BY PROVIDING FINANCIAL SOLUTIONS, SUPPORT AND TRAINING, WE EQUIP PEOPLE LIVING IN POVERTY IN DEVELOPING COUNTRIES TO BUILD SUSTAINABLE INCOMES, EDUCATE (SEE SCH O) THEIR CHILDREN AND ESCAPE GENERATIONAL POVERTY, IN THE PROCESS TRANSFORMING THEIR LIVES, THEIR CHILDREN'S FUTURES, AND THEIR COMMUNITIES. OPPORTUNITY'S PROGRAMS ARE FINANCED THROUGH CHARITABLE DONATIONS, EARNED INCOME FROM ITS BANKING OPERATIONS AND FOCUSED ON DEPLOYING LOCAL FUNDS AND FINANCIAL SERVICES, PROVIDED BY PARTNER BANKS AND OTHER FINANCIAL INSTITUTIONS TO ITS CLIENTS.

Program Service Accomplishments

Program 1
Expenses: $11,909,205 Revenue: $15,422,774

OPPORTUNITY INTERNATIONAL, INC., (OPPORTUNITY), IS A TAX EXEMPT, PUBLICLY SUPPORTED FAITH-BASED CORPORATION. BY PROVIDING FINANCIAL SERVICES, SUPPORT AND TRAINING, WE EQUIP PEOPLE LIVING IN POVERTY...

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OPPORTUNITY INTERNATIONAL, INC., (OPPORTUNITY), IS A TAX EXEMPT, PUBLICLY SUPPORTED FAITH-BASED CORPORATION. BY PROVIDING FINANCIAL SERVICES, SUPPORT AND TRAINING, WE EQUIP PEOPLE LIVING IN POVERTY IN DEVELOPING COUNTRIES TO BUILD SUSTAINABLE INCOMES, EDUCATE THEIR CHILDREN AND ESCAPE GENERATIONAL POVERTY, IN THE PROCESS TRANSFORMING THEIR LIVES, THEIR CHILDREN'S FUTURES, AND THEIR COMMUNITIES. OPPORTUNITY'S MAJORITY OWNED BANKS EARN INCOME FROM ITS BANKING OPERATIONS AND FOCUS ON DEPLOYING LOCAL FUNDS AND FINANCIAL SERVICES TO ITS CLIENTS. OPPORTUNITY INTERNATIONAL SAVINGS AND LOANS IN GHANA (OISL) BELIEVES THEIR CUSTOMERS ARE AT THE CENTER OF THE BUSINESS AND ARE SERVED WITH LIFE CHANGING PRODUCTS SUCH AS LOANS, DEPOSITS, MICRO INSURANCE, E-BANKING SERVICES AND REMITTANCES. (SEE SCH O) TRANSFORMATIONAL TRAINING, BUSINESS ADVISORY SERVICES, AND CAPACITY BUILDING ARE EMBEDDED IN ALL CLIENT INTERACTIONS. THE BANK OPERATES IN TEN (10) OUT OF THE SIXTEEN (16) REGIONS IN GHANA, WITH THIRTY-FIVE (35) BRANCHES AND THREE (3) AGENCIES, PROVIDING INNOVATIVE FINANCIAL AND NON-FINANCIAL PRODUCTS AND SERVICES TO BRING CLIENTS AT THE BASE OF THE PYRAMID INTO THE MAINSTREAM FINANCIAL SERVICES, THEREBY ADVANCING FINANCIAL INCLUSION. IN 2024, OPPORTUNITY GHANA HAD OVER 50,000 LOAN CLIENTS AND OVER 260,000 CLIENTS WITH DEPOSITS.

Program 2
Expenses: $4,266,778

OPPORTUNITY IMPLEMENTS ITS PROGRAMS IN 30 COUNTRIES THROUGH A WORLDWIDE NETWORK OF STAFF, BRANCHES, SUBSIDIARY BANKS AND LOCAL NONGOVERNMENTAL ORGANIZATIONS, AS WELL AS LOCAL IMPLEMENTING PARTNERS...

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OPPORTUNITY IMPLEMENTS ITS PROGRAMS IN 30 COUNTRIES THROUGH A WORLDWIDE NETWORK OF STAFF, BRANCHES, SUBSIDIARY BANKS AND LOCAL NONGOVERNMENTAL ORGANIZATIONS, AS WELL AS LOCAL IMPLEMENTING PARTNERS: COMMERCIAL AND NONPROFIT AND MICROFINANCE INSTITUTIONS. OPPORTUNITY PROVIDES GRANTS AND MAINTAINS A MINORITY EQUITY INTEREST IN A NUMBER OF KEY IMPLEMENTING PARTNERS TO ENSURE A LONG-TERM ALIGNMENT OF INTEREST IN SERVING THE POOR. ADDITIONALLY, SUCH INVESTMENTS ENABLE OPPORTUNITY TO LEVERAGE LOCAL INVESTOR FUNDS AND DEBT TO INCREASE SERVICES AND MAXIMIZE THE FUNDS DEPLOYED TO SERVE THE ECONOMIC NEEDS OF THE POOR. IN 2024 OPPORTUNITY AND ITS PARTNER ORGANIZATIONS SERVED 21.2 MILLION CLIENTS OF WHICH 93% OF MICROENTERPRISE CLIENTS ARE WOMEN. READ OUR 2024 IMPACT REPORT AT OPPORTUNITY.ORG/2024-IMPACT.

Program 3
Expenses: $11,515,517

OPPORTUNITY'S EDUCATION FINANCE PROGRAM OBJECTIVES ARE CLEAR: GET MORE CHILDREN IN BETTER SCHOOLS. WE BREAK DOWN TWO OBSTACLES TO EDUCATION: ACCESS AND QUALITY. ACCESS MEANS ENABLING MORE WAYS FOR...

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OPPORTUNITY'S EDUCATION FINANCE PROGRAM OBJECTIVES ARE CLEAR: GET MORE CHILDREN IN BETTER SCHOOLS. WE BREAK DOWN TWO OBSTACLES TO EDUCATION: ACCESS AND QUALITY. ACCESS MEANS ENABLING MORE WAYS FOR CHILDREN FROM LOW-INCOME COMMUNITIES TO SAFELY ATTEND SCHOOL. WE INCREASE EDUCATION ACCESS BY CONNECTING AFFORDABLE NON-STATE SCHOOLS WITH FINANCIAL INSTITUTIONS WHICH PROVIDE SCHOOL IMPROVEMENT LOANS FOR SCHOOL FACILITIES - MORE CLASSROOMS, SCHOOL BUSES, COMPUTERS AND SCHOOL FEE LOANS WHICH ALLOW PARENTS TO SEND ALL THEIR CHILDREN TO SCHOOL. QUALITY MEANS STUDENTS HAVE A SAFE, CHILD-CENTERED LEARNING ENVIRONMENT USING BEST TEACHING PRACTICES SO LEARNERS CAN BE SUCCESSFUL. SCHOOL LEADERSHIP PROFESSIONAL DEVELOPMENT TRAINING ALLOWS SCHOOL LEADERS TO IMPROVE THEIR SCHOOLS BOTH AS PLACES OF LEARNING AND (SEE SCH O) BUSINESSES. TEACHER MENTOR PROFESSIONAL DEVELOPMENT TRAINING HELPS SCHOOLS BUILD THEIR CAPACITY TO PROVIDE REGULAR, EVIDENCE-BASED TEACHER TRAINING AND COACHING TO ALL THEIR EDUCATORS USING A MENTORSHIP MODEL. IN 2024, EDUCATION FINANCE PROGRAMS REACHED 3.4 MILLION CHILDREN IN 19,556 SCHOOLS AND HELPED RELEASE MORE THAN $260 MILLION IN LOANS TO SCHOOLS AND LEARNERS.

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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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $31,989,270
Program Service Revenue $15,422,774
Investment Income $397,493
Other Revenue $0
TOTAL REVENUE $47,809,537

Expense Breakdown

Grants Paid $4,266,778
Salaries & Benefits $17,032,629
Fundraising Expenses $4,688,185
Program Expenses $42,474,199
Other Expenses $27,454,558
TOTAL EXPENSES $48,753,965

Year-over-Year Comparison

2023 2022 Change
Revenue $47,809,537 $40,913,810 +0.2%
Expenses $48,753,965 $44,284,677 +0.1%
Net Income $-944,428 $-3,370,867 -0.7%
Key Indicators
Grants to Organizations Grants to Individuals Lobbying Political Activity Foreign Activities Donor Advised Fund Schedule B Required
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Governance

Voting Members
13
Independent Members
12
Employees
82
Volunteers
80

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
4
$1,314,841
Total Directors
14
$645,054
Key Employees
0
$0
Highest Compensated
5
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
ATUL TANDON CEO 60.00
Officer Director
$614,814 $30,240 $645,054
LEANN POPE CHAIR 5.00
Director
$0 $0 $0
CAROL PELINO DIRECTOR 3.00
Director
$0 $0 $0
DALE PATTERSON DIRECTOR 3.00
Director
$0 $0 $0
FRED SASSER DIRECTOR 3.00
Director
$0 $0 $0
MIKE PALMER DIRECTOR 3.00
Director
$0 $0 $0
JANE NELSON DIRECTOR 3.00
Director
$0 $0 $0
JANELLE MUNTZ LASSONDE DIRECTOR 3.00
Director
$0 $0 $0
JOEL JOHNSON DIRECTOR 3.00
Director
$0 $0 $0
KATEY ASSEM DIRECTOR 3.00
Director
$0 $0 $0
KEN WATHOME DIRECTOR 3.00
Director
$0 $0 $0
SUSAN HAIGH DIRECTOR 3.00
Director
$0 $0 $0
NICOLE ELAM DIRECTOR 3.00
Director
$0 $0 $0
JEFF DYKSTRA DIRECTOR 3.00
Director
$0 $0 $0
MARGARET TOMASIK CHIEF FINANCIAL OFFICER 55.00
Officer
$261,228 $24,621 $285,849
DAVID WIEGMAN CHIEF OF STAFF & SECRETARY 47.00
Officer
$209,449 $32,981 $242,430
MARY BARRY DIRECTOR, OFFICE OF CEO & ASST SEC 55.00
Officer
$117,940 $23,568 $141,508
RANDY KURTZ EXEC VP, INT'L PROG. & CAP SOLUTIONS 43.00
Highest
$384,091 $39,407 $423,498
GREGORY E ROTH SVP, PHILANTHROPY 50.00
Highest
$260,646 $33,757 $294,403
MAURICIO AGUDELO RINCON VP, CORPORATE DEVELOPMENT 20.00
Highest
$237,847 $32,959 $270,806
AMELIA S HAIDUC MANAGING DIRECTOR, STRATEGIC PARTNER 40.00
Highest
$227,738 $34,693 $262,431
MARK CASTELLINO SVP, INT'L BUSINESS DEVELOPMENT 40.00
Highest
$223,763 $22,665 $246,428
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 $47,809,537 $48,753,965 $68,689,756 $-944,428
2023 $40,913,810 $44,284,677 $67,545,701 $-3,370,867
2022 $48,533,715 $45,485,616 $73,246,788 $3,048,099
2021 $53,064,019 $44,876,796 $85,666,955 $8,187,223
2019 $74,708,034 $68,956,124 $242,758,944 $5,751,910
2018 $84,735,782 $76,929,870 $266,123,821 $7,805,912
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