OPPORTUNITY INTERNATIONAL INC D/B/A OPPORTUNITY INTERNATIONAL-US (EIN 540907624) - 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

1971

Legal Domicile

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 (SEE SCH O) FAITH-BASED CORPORATION. BY PROVIDING FINANCIAL SOLUTIONS, SUPPORT AND TRAINING, WE EQUIP PEOPLE LIVING IN POVERTY 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 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. DURING 2024, OPPORTUNITY AND ITS PARTNERS SERVED 21.2 MILLION CLIENTS. 93% OF MICROENTERPRISE LOAN CLIENTS ARE WOMEN. EDUCATION FINANCE PROGRAMS REACHED 3.4 MILLION CHILDREN IN 19,556 SCHOOLS WITH OVER $260 MILLION OF LOANS DISBURSED. AGRICULTURE FINANCE PROGRAMS REACHED OVER 580,000 SMALLHOLDER FARMERS, WITH OVER $100 MILLION OF LOANS DISBURSED.

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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 (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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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

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

$1,314,841

Total Directors

$645,054

Key Employees

Highest Compensated

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

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