THE OPPORTUNITY TRUST D/B/A ZEST EDUCATION (EIN 821838644) - 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

2017

Legal Domicile

Principal Officer

ERIC SCROGGINS

Phone

3143285688

Tax Period

2024-07-01 to 2025-06-30

THE OPPORTUNITY TRUST D/B/A ZEST EDUCATION, founded in 2017, is a mid-sized nonprofit in the Education sector that reported $21.6M in total revenue in fiscal year 2024. Revenue surged 71% from the prior year, signaling strong growth momentum.

Mission

THE OPPORTUNITY TRUST INVESTS IN EDUCATORS AND SCHOOL SYSTEMS EAGER TO BUILD THE CAPACITY REQUIRED TO MAKE SIGNIFICANT AND MEASURABLE CHANGE.

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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 $21,242,340

Program Service Revenue $0

Investment Income $262,196

Other Revenue $76,406

TOTAL REVENUE $21,580,942

Expense Breakdown

Grants Paid $12,889,499

Salaries & Benefits $3,373,483

Fundraising Expenses $17,684

Program Expenses $20,582,299

Other Expenses $5,275,909

TOTAL EXPENSES $21,538,891

Year-over-Year Comparison

	2024	2023	Change
Revenue	$21,580,942	$12,600,936	+0.7%
Expenses	$21,538,891	$14,089,865	+0.5%
Net Income	$42,051	$-1,488,929	-1.0%

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

$441,418

Total Directors

$441,418

Key Employees

$234,249

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BISHOP MICHAEL JONES SR	DIRECTOR	1.00	Officer Director	$0	$0	$0
JOHN LEMKEMEIER	DIRECTOR	1.00	Officer Director	$0	$0	$0
ERIC SCROGGINS	CHIEF EXECUTIVE OFFICER	50.00	Officer Director	$428,406	$13,012	$441,418
JOHN W KEMPER	DIRECTOR	1.00	Officer Director	$0	$0	$0
JESSICA PENA	DIRECTOR	1.00	Officer Director	$0	$0	$0
KEITH WILLIAMSON	CHAIR	1.00	Officer Director	$0	$0	$0
CINDY BRINKLEY	DIRECTOR	1.00	Officer Director	$0	$0	$0
JEMINA BERNARD	DIRECTOR	1.00	Officer Director	$0	$0	$0
JESSE DIXON	PARTNER	50.00	Key Emp	$220,774	$13,475	$234,249
AYANNA BANKS	EMPLOYEE	50.00	Highest	$137,301	$7,763	$145,064
RACHEL DONNICE POWERS	PARTNER	50.00	Highest	$175,793	$5,145	$180,938
TANESIA LASHAY SIMMONS	PARTNER	50.00	Highest	$174,341	$15,316	$189,657
BRANDI CHIN	PARTNER	50.00	Highest	$196,290	$19,018	$215,308
ANTONIO PACIFICO	EMPLOYEE	50.00	Highest	$145,077	$16,400	$161,477

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
2025	$21,580,942	$21,538,891	$4,041,644	$42,051
2024	$12,600,936	$14,089,865	$3,999,593	$-1,488,929
2023	$14,021,553	$12,750,091	$5,488,522	$1,271,462
2022	$10,924,434	$10,470,201	$4,217,060	$454,233
2021	$7,977,207	$7,497,157	$4,127,437	$480,050
2020	$7,183,458	$6,679,146	$3,457,653	$504,312
2019	$6,344,779	$4,131,930	$3,574,188	$2,212,849

THE OPPORTUNITY TRUST D/B/A ZEST EDUCATION