OPPORTUNITY INC (EIN 611748401) - 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

2014

Legal Domicile

Principal Officer

DEBORAH FOY

Phone

3124875000

Tax Period

2023-01-01 to 2023-12-31

OPPORTUNITY INC, founded in 2014, is a small nonprofit in the International Affairs sector that reported $332K in total revenue in fiscal year 2023. The organization ran a surplus of $58K, a strong 18% operating margin.

Mission

OPPORTUNITY, INC. IS A TAX-EXEMPT, PUBLICLY SUPPORTED CORPORATION THAT EMPOWERS (SEE SCH O) PEOPLE LIVING IN POVERTY TO TRANSFORM THEIR LIVES, THEIR CHILDREN'S FUTURES AND THEIR COMMUNITIES BY PROVIDING FINANCIAL SOLUTIONS AND TRAINING. OPPORTUNITY, INC. SUPPORTS LOCAL MICROFINANCE ORGANIZATIONS WHICH PROVIDE INNOVATIVE FINANCIAL SOLUTIONS TO EMPOWER PEOPLE, CREATE JOBS AND BUILD VIBRANT COMMUNITIES.

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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 $331,711

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $331,711

Expense Breakdown

Grants Paid $0

Salaries & Benefits $160,826

Fundraising Expenses $0

Program Expenses $273,331

Other Expenses $112,505

TOTAL EXPENSES $273,331

Year-over-Year Comparison

	2023	2022	Change
Revenue	$331,711	$312,112	+0.1%
Expenses	$273,331	$327,911	-0.2%
Net Income	$58,380	$-15,799	-4.7%

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

N/A

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

$401,018

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CLIFFORD HAMPTION	DIRECTOR	2.00	Director	$0	$0	$0
WALTER LEWEN	DIRECTOR	1.00	Director	$0	$0	$0
NILS RITTERHOFF	DIRECTOR	1.00	Director	$0	$0	$0
JOHN MARCH	DIRECTOR	1.00	Director	$0	$0	$0
LEANN POPE	DIRECTOR	1.00	Director	$0	$0	$0
DEBORAH FOY	EXECUTIVE DIRECTOR	24.00	Officer	$0	$13,776	$81,470
MARGARET TOMASIK	TREASURER	1.00	Officer	$0	$24,621	$281,671
SHARI LUTEY	SECRETARY	6.00	Officer	$0	$2,478	$37,877

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	No data	No data	No data	No data
2023	$331,711	$273,331	$124,614	$58,380
2022	$312,112	$327,911	$73,800	$-15,799
2021	$192,521	$242,313	$99,632	$-49,792
2020	$407,970	$313,802	$141,089	$94,168
2019	$796,977	$724,720	$745,480	$72,257
2018	$880,610	$915,286	$34,346	$-34,676

OPPORTUNITY INC