Civic Intelligence

Opportunity International Inc D/B/A Opportunity International-Us

990 • Fiscal year 2019 • EIN 54-0907624

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 04, 2020

Organization ProfileWWW.OPPORTUNITY.ORG

View Organization Page

550 W Van Buren Street Suite 200Chicago, IL 60607

(312) 487-5000

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

84th percentile

0.83x

Higher debt load relative to assets than 84% of similar nonprofits.

2019 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2019

Liabilities / Revenue

85th percentile

2.69x

Higher debt load relative to revenue than 85% of similar nonprofits.

2019 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2019

Net Margin

62nd percentile

7.7%

Higher net margin than 62% of similar nonprofits.

2019 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2019

Top Officer Pay

57th percentile

$539,732

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 0.7% of source-year revenue.

2019 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2019

Asset Growth

5th percentile

-8.8%

Faster asset growth than 5% of similar nonprofits.

2019 filings • 501(c)3 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Revenue Growth

17th percentile

-12%

Faster revenue growth than 17% of similar nonprofits.

2019 filings • 501(c)3 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$242,758,944

Down $23,364,877 (-8.8%) from 2018

Net Assets

Down

$42,030,661

Down $2,001,182 (-4.5%) from 2018

Liabilities

Down

$200,728,283

Down $21,363,695 (-9.6%) from 2018

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin62nd percentile

Revenue

Down

$74,708,034

Down $10,027,748 (-12%) from 2018

Expenses

Down

$68,956,124

Down $7,973,746 (-10%) from 2018

Net Income

Down

$5,751,910

Down $2,054,002 (-26%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth5th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$300M$200M$100M$0Assets 2010: $87,879,375Liabilities 2010: $36,503,692Net Assets 2010: $51,375,6832010Assets 2011: $62,311,832Liabilities 2011: $29,766,367Net Assets 2011: $32,545,4652011Assets 2012: $54,865,381Liabilities 2012: $35,549,852Net Assets 2012: $19,315,5292012Assets 2013: $44,514,414Liabilities 2013: $10,638,858Net Assets 2013: $33,875,5562013Assets 2014: $59,009,891Liabilities 2014: $17,007,477Net Assets 2014: $42,002,4142014Assets 2015: $37,449,255Liabilities 2015: $16,822,314Net Assets 2015: $20,626,9412015Assets 2016: $252,867,644Liabilities 2016: $195,845,494Net Assets 2016: $57,022,1502016Assets 2017: $253,928,479Liabilities 2017: $209,791,265Net Assets 2017: $44,137,2142017Assets 2018: $266,123,821Liabilities 2018: $222,091,978Net Assets 2018: $44,031,8432018Assets 2019: $242,758,944Liabilities 2019: $200,728,283Net Assets 2019: $42,030,6612019Assets 2020: $288,031,955Liabilities 2020: $236,884,804Net Assets 2020: $51,147,1512020Assets 2021: $85,666,955Liabilities 2021: $53,641,796Net Assets 2021: $32,025,1592021Assets 2022: $73,246,788Liabilities 2022: $38,595,607Net Assets 2022: $34,651,1812022Assets 2023: $67,545,701Liabilities 2023: $37,007,091Net Assets 2023: $30,538,6102023Assets 2024: $68,689,756Liabilities 2024: $39,812,193Net Assets 2024: $28,877,5632024

Highlighted filing

2019

Assets$242,758,944
Liabilities$200,728,283
Net Assets$42,030,661
Open 2019 Filing

Operations Trend

Revenue Growth17th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$150M$100M$50M$0-$50MExpenses 2010: $110,852,7702010Expenses 2011: $110,244,7862011Expenses 2012: $110,520,4402012Revenue 2013: $132,668,569Expenses 2013: $122,556,963Net Income 2013: $10,111,6062013Revenue 2014: $140,769,089Expenses 2014: $138,831,728Net Income 2014: $1,937,3612014Revenue 2015: $107,800,238Expenses 2015: $131,857,140Net Income 2015: -$24,056,9022015Revenue 2016: $94,196,037Expenses 2016: $97,776,456Net Income 2016: -$3,580,4192016Revenue 2017: $77,888,699Expenses 2017: $78,578,197Net Income 2017: -$689,4982017Revenue 2018: $84,735,782Expenses 2018: $76,929,870Net Income 2018: $7,805,9122018Revenue 2019: $74,708,034Expenses 2019: $68,956,124Net Income 2019: $5,751,9102019Revenue 2020: $51,437,986Expenses 2020: $44,936,978Net Income 2020: $6,501,0082020Revenue 2021: $53,064,019Expenses 2021: $44,876,796Net Income 2021: $8,187,2232021Revenue 2022: $48,533,715Expenses 2022: $45,485,616Net Income 2022: $3,048,0992022Revenue 2023: $40,913,810Expenses 2023: $44,284,677Net Income 2023: -$3,370,8672023Revenue 2024: $47,809,537Expenses 2024: $48,753,965Net Income 2024: -$944,4282024

Highlighted filing

2019

Revenue$74,708,034
Expenses$68,956,124
Net Income$5,751,910
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 4, 2020
Return Version
2019v5.1
Gross Receipts
$74,751,077
Mission and Program Overview

Mission

Opportunity international, inc., (opportunity), is a tax exempt, publicly supported faith-based corporation. By providing financial solutions, support and training, we empower 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 programs are financed through charitable donations, earned income from its banking operations and from leveraging local funds provided by partner banks and other financial institutions. In fy2021 opportunity and its partner organizations served 18.7 million loan clients, 97% of which are women. Edufinance programs reached over 2 million children in 8,400 schools and agfinance reached over 90,000 smallholder farmers.

Opportunity international, inc., (opportunity), is a tax exempt, publicly supported faith-based corporation. By providing financial solutions, support and training, we empower 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 programs are financed through charitable donations, earned income from its banking operations and from leveraging local funds provided by partner banks and other financial institutions. In 2019 opportunity and its partner organizations served 6.6 million loan clients and reached 2 million children in 6,400 schools. 95% of loan clients are women.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$181,559,845$159,841,431▼ $21,718,414
Savings and Temporary Cash Investments$57,978,536$55,089,813▼ $2,888,723
Land, Buildings, and Equipment, Net$6,568,993$11,599,068▲ $5,030,075
Prepaid Expenses and Deferred Charges$11,435,481$8,964,595▼ $2,470,886
Pledges and Grants Receivable$7,584,243$6,254,668▼ $1,329,575
Investments Other Securities$621,055$701,501▲ $80,446
Total Assets$266,123,821$242,758,944▼ $23,364,877
Other Assets Total$375,668$307,868▼ $67,800
Liabilities
Other Liabilities$153,142,974$142,301,908▼ $10,841,066
Mortgage Notes Payable Secured by Investment Property$51,428,600$38,955,778▼ $12,472,822
Accounts Payable and Accrued Expenses$12,944,935$14,545,814▲ $1,600,879
Deferred Revenue$4,575,469$4,924,783▲ $349,314
Total Liabilities$222,091,978$200,728,283▼ $21,363,695
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$31,022,500$29,281,969▼ $1,740,531
Net Assets With Donor Restrictions$13,009,343$12,748,692▼ $260,651
Total Net Assets Fund Balance$44,031,843$42,030,661▼ $2,001,182
Total Liabilities and Net Assets / Fund Balance$266,123,821$242,758,944▼ $23,364,877

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,599,068$10,078,471$21,677,539

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2016$6,038,311--$6,038,311-
2015$6,086,556-▼ $48,245-$6,038,311
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Atul TandonCEOFT$368,100$171,632$539,732
Ronald GrayLegal CounselPT$206,468$39,976$246,444
Roth Gregory ESVP, PhilanthropyFT$198,953$35,725$234,678
Kurtz RandyChief Administrative OfficerPT$200,000$30,277$230,277
Ripley Dennis WChief Program OfficerFT$200,000$26,091$226,091
Lutz Mark KSVP, PhilanthropyFT$198,901$26,075$224,976
Tomasik MargaretSVP, FinanceFT$200,103$23,441$223,544
Haiduc Amelia SManaging DirectorFT$182,791$36,496$219,287
Reda Lana DChief Philanthropy OfficerFT$202,000$2,667$204,667
Wiegman DavidVP, Program OperationsPT$151,295$34,318$185,613
Olson LoriVP, PhilanthropyFT$152,548$13,345$165,893

Board Members and Trustees

NameTitle
Dave M TolmieChair
Leann PopeChair
Alana AckersonDirector
Dale PattersonDirector
Fred SasserDirector
Jane NelsonDirector
Joel JohnsonDirector
John HartDirector
Katey AssemDirector
Ken WathomeDirector
Muffy MacmillanDirector
Susan GilletteDirector
Susan HaighDirector
Viv BenjaminDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Impact AtlasClient Surveys And Research20 CRECIENTA DR, Sausalito, CA 94965, Ug$522,835
GaplinkResearch2200 E 104TH AVE SUITE 209, Thorton, CO 80233, Uk$236,981
Rjb Systems INCComputer Network Maintenance101 WHITNEY AVE 2ND FLOOR, New Haven, CT 06510$217,638
Innovations For Poverty ActionResearch-$197,552
Jethro LimitedComputer Network Maintenance-$156,376
Revenue and Support

Revenue Composition

Contributions and Grants
$21,108,224
Program Service Revenue
$53,634,488
Investment Income
$-34,678
Other Revenue
$0
All Other Contributions
$20,854,321
Change in Net Assets
$5,751,910

Noncash Contribution Practices

Property subject to holding requirements
No
Reviewed unusual noncash gifts
Yes
Third parties used for noncash contributions
No

Noncash Contributions

Contribution TypeContribution CountReported AmountValuation Method
Securities Publicly Traded67$1,821,217Fair Market Value (FMV)
Other Non Cash Contri Table2$1,250,000Cost
Other Non Cash Contri Table3$269,060Fair Market Value (FMV)
Other Non Cash Contri Table1$50,000Fair Market Value (FMV)
Other Non Cash Contri Table9$29,715Cost
Other Non Cash Contri Table1$17,492Fair Market Value (FMV)
Other Non Cash Contri Table1$12,069Cost
Total Noncash Contributions84$3,449,553-

Audited Revenue Reconciliation

Revenue per Audited Statements
$22,847,471
Revenue Not Reported on Financial Statements
$51,860,563
Revenue Not Reported on Form 990
$9,485
Other Revenue Adjustments
$51,860,563
Total Revenue per Audited Statements
$22,856,956
Total Revenue per Form 990
$74,708,034
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$56,969,302
Salaries, Compensation, and Employee Benefits$8,826,877
Total Fundraising Expense$3,561,431
Grants and Similar Amounts Paid$3,159,945
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$11,007,882$15,598-$11,023,480
Other Salaries and Wages$4,179,781$614,385$2,089,526$6,883,692
Fees for Services Other$2,889,314$296,906$186,833$3,373,053
Foreign Grants$2,330,164--$2,330,164
Other Expenses$2,157,889--$2,157,889
Travel$764,404$77,819$355,508$1,197,731
Office Expenses$685,288$180,477$88,455$954,220
Grants to Domestic Orgs$829,781--$829,781
Current Officers, Directors, Trustees, and Key Employees$398,667$58,600$199,299$656,566
Other Employee Benefits$308,330$45,321$154,138$507,789
Occupancy$162,601$99,435$183,078$445,114
Payroll Taxes$257,828$37,898$128,892$424,618
Pension Plan Contributions$215,078$31,614$107,520$354,212
Depreciation Depletion$176,776$27,042-$203,818
Advertising$133,572$578$9,853$144,003
Fees for Services Accounting$77,094$7,921$4,985$90,000
Insurance$58,036$30,051$1,168$89,255
Conferences and Meetings$24,369$15,680$7,327$47,376
Fees for Services Legal$11,809$1,212$764$13,785
All Other Expenses$-158,389$-28,391$44,085$-142,695
Total Functional Expenses$63,882,547$1,512,146$3,561,431$68,956,124

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$68,956,124
Expenses Not Reported on Financial Statements$45,778,855
Other Expense Adjustments$45,778,855
Total Expenses per Audited Statements$24,177,431
Expenses per Audited Statements$23,177,269
Expenses Not Reported on Form 990$1,000,162
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Opportunity IncChicago, IL501(c)(3)Funds to Affiliate for Operating Expenses$393,287
Opportunity Transformation Investments IncChicago, IL501(c)(3)Funds to Related Organization for Operating Expenses and Investment in Subsidiary$97,494

International Summary

Offices
0
Employees
0
Spending
$3,151,460

International Compliance

Foreign grant records maintained
Yes
Activity in boycott countries
No
Foreign corporation ownership
Yes
Foreign partnership interest
No
Interest in foreign trust
No
Passive foreign investment company interest
No
Transfers to foreign corporations
No

International Activities

RegionActivityServicesOfficesEmployeesSpending
Sub-saharan AfricaGrants to Recipients in the RegionGRANTS TO RECIPIENTS IN THE REGION IN SUPPORT OF OIUS'S MISSION--$949,269
Central America & the CaribbeanGrants to Recipients in the RegionGRANTS TO RECIPIENTS IN THE REGION IN SUPPORT OF OIUS'S MISSION--$933,143
EuropeGrants to Recipients in the RegionGRANTS TO RECIPIENTS IN THE REGION IN SUPPORT OF OIUS'S MISSION--$360,000
South AmericaGrants to Recipients in the RegionGRANTS TO RECIPIENTS IN THE REGION IN SUPPORT OF OIUS'S MISSION--$344,534
East Asia & the PacificGrants to Recipients in the RegionGRANTS TO RECIPIENTS IN THE REGION IN SUPPORT OF OIUS'S MISSION--$331,426
North AmericaGrants to Recipients in the RegionGRANTS TO RECIPIENTS IN THE REGION IN SUPPORT OF OIUS'S MISSION--$209,798
South AsiaGrants to Recipients in the RegionGRANTS TO RECIPIENTS IN THE REGION IN SUPPORT OF OIUS'S MISSION--$23,290
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits From Customers$129,258,508
Allowance for Loss in Other Institutions$13,043,400
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“Staff prepares detailed information from internal reports and audited financial statements and sends to baker tilly virchow krause llp. Treasurer of opportunity international (oi) reviews the draft prepared by baker tilly virchow krause llp and discusses comments and questions with baker tilly virchow krause llp. Final draft of 990 is presented to audit committee for review. After review is complete, the 990 is distributed to the opportunity international bod and the return is signed and submitted to the irs.”

Form 990, Part VI, Section B, Line 12C

“It is an annual requirement for all employees and directors to sign the conflict of interest statements. Disclosures are to be made by employees to the human resources department. In the case of the ceo and other directors, conflicts of interest are reported to the finance committee, and the risk and audit committee. If a conflict of interest is determined, the responsible person(s) are recused/excluded from all discussions in connection with the proposed transaction. Finance department monitors related party transactions.”

Form 990, Part VI, Section B, Line 15

“Compensation is reviewed using payfactors salary database and humentum salary survey as comparability data to help set compensation. Compensation decisions are reviewed by the ceo and approvals are documented in the employee files.”

Form 990, Part VI, Section C, Line 19

“Conflict of interest policy is not published. Financial statements are available on the opportunity international website. Governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Opportunity International Inc
EIN
54-0907624
Phone
3124875000
Address
550 W VAN BUREN STREET SUITE 200, CHICAGO, IL 60607

Signing Officer

Name
Margaret Tomasik
Title
SVP Finance & Treasurer
Phone
3124875000
Signed
2020-11-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Margaret Tomasik
Formed
1971
Legal Domicile
Il
Voting Board Members
13
Independent Board Members
12
Employees
68
Volunteers
49

Preparer

Firm
Baker Tilly US Llp
Address
205 N MICHIGAN AVE 2800, CHICAGO, IL 60601-5927
Preparer
Mark Heroux
Phone
3127298000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Foreign currency translation loss -2,258,505. Minority interest 47,916. Banking activity -3,672,927. Realized loss on assets held for disposal -1,967,495.”

Part XII, Line 2C

“The organization has not changed either its oversight process or selection process during the tax year.”

Financial Statement Notes

PART X, LINE 2:

“Opportunity has received a determination letter from the irs indicating that it is exempt from federal income taxes under section 501(c)(3) of the internal revenue code, and accordingly, no tax provision has been made in the accommpanying consolidated financial statements for charitable activities. Opportunity has adopted the requirements for accounting for uncertain tax positions in accordance with accounting standards codification (asc) 740-10. The only significant tax position management has identified is that of opportunity's tax-exempt status. No other tax positions, certain or uncertain, have been identified.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Subsidiary contribution 9,485.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Revenue of discontinued ops 51,532,831. Dividend income 8,365. Realized loss -43,043. Subsidiary elimination 362,410.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Intercompany expense allocation 1,000,162.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Discontinued operations - interest 10,337,582. Discontinued operations -provision for loan loss 2,157,889. Discontinued operations - operating expenses 33,136,665. Discontinued operations - income tax benefit 146,719.”

Raw XML AppendixShowing 400 of 1,187 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ActivityOrMissionDesc0OPPORTUNITY INTERNATIONAL, INC., (OPPORTUNITY), IS A TAX EXEMPT, PUBLICLY SUPPORTED FAITH-BASED CORPORATION. BY PROVIDING FINANCIAL SOLUTIONS, SUPPORT AND TRAINING, WE EMPOWER 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 PROGRAMS ARE FINANCED THROUGH CHARITABLE DONATIONS, EARNED INCOME FROM ITS BANKING OPERATIONS AND FROM LEVERAGING LOCAL FUNDS PROVIDED BY PARTNER BANKS AND OTHER FINANCIAL INSTITUTIONS. IN 2019 OPPORTUNITY AND ITS PARTNER ORGANIZATIONS SERVED 6.6 MILLION LOAN CLIENTS AND REACHED 2 MILLION CHILDREN IN 6,400 SCHOOLS. 95% OF LOAN CLIENTS ARE WOMEN.
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IRS990/ContractorCompensationGrp/ServicesDesc1RESEARCH
IRS990/ContractorCompensationGrp/ServicesDesc2COMPUTER NETWORK MAINTENANCE
IRS990/ContractorCompensationGrp/ServicesDesc3RESEARCH
IRS990/ContractorCompensationGrp/ServicesDesc4COMPUTER NETWORK MAINTENANCE
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IRS990/Desc0OPPORTUNITY INTERNATIONAL, INC., (OPPORTUNITY), IS A TAX EXEMPT, PUBLICLY SUPPORTED FAITH-BASED CORPORATION. BY PROVIDING FINANCIAL SOLUTIONS, SUPPORT AND TRAINING, WE EMPOWER 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 PROGRAMS ARE FINANCED THROUGH CHARITABLE DONATIONS, EARNED INCOME FROM ITS BANKING OPERATIONS IN SERBIA, GHANA, AND COLOMBIA AND FROM LEVERAGING LOCAL FUNDS PROVIDED BY PARTNER BANKS AND OTHER FINANCIAL INSTITUTIONS. 95% OF LOAN CLIENTS ARE WOMEN.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1539976
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1630277
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1834318
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2226075
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2336496
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2410845
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IRS990/Form990PartVIISectionAGrp/PersonNm5MUFFY MACMILLAN
IRS990/Form990PartVIISectionAGrp/PersonNm6JANE NELSON
IRS990/Form990PartVIISectionAGrp/PersonNm7LEANN POPE
IRS990/Form990PartVIISectionAGrp/PersonNm8DAVE M TOLMIE
IRS990/Form990PartVIISectionAGrp/PersonNm9JOEL JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm10VIV BENJAMIN
IRS990/Form990PartVIISectionAGrp/PersonNm11SUSAN HAIGH
IRS990/Form990PartVIISectionAGrp/PersonNm12FRED SASSER
IRS990/Form990PartVIISectionAGrp/PersonNm13KEN WATHOME
IRS990/Form990PartVIISectionAGrp/PersonNm14ATUL TANDON
IRS990/Form990PartVIISectionAGrp/PersonNm15RONALD GRAY
IRS990/Form990PartVIISectionAGrp/PersonNm16KURTZ RANDY
IRS990/Form990PartVIISectionAGrp/PersonNm17TOMASIK MARGARET
IRS990/Form990PartVIISectionAGrp/PersonNm18WIEGMAN DAVID
IRS990/Form990PartVIISectionAGrp/PersonNm19REDA LANA D
IRS990/Form990PartVIISectionAGrp/PersonNm20RIPLEY DENNIS W
IRS990/Form990PartVIISectionAGrp/PersonNm21ROTH GREGORY E
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IRS990/Form990PartVIISectionAGrp/PersonNm23HAIDUC AMELIA S
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt15LEGAL COUNSEL
IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF ADMINISTRATIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP, FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP, PROGRAM OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt19CHIEF PHILANTHROPY OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt20CHIEF PROGRAM OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt21SVP, PHILANTHROPY
IRS990/Form990PartVIISectionAGrp/TitleTxt22SVP, PHILANTHROPY
IRS990/Form990PartVIISectionAGrp/TitleTxt23MANAGING DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24VP, PHILANTHROPY
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01971
IRS990/FormerOfcrEmployeesListedInd00
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
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IRS990/GamingActivitiesInd00
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IRS990/GovernmentGrantsAmt0253903
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt0829781
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndoorTanningServicesInd00
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IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
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IRS990/InsuranceGrp/ManagementAndGeneralAmt030051
IRS990/InsuranceGrp/ProgramServicesAmt058036
IRS990/InsuranceGrp/TotalAmt089255
IRS990/InterestGrp/ManagementAndGeneralAmt015598
IRS990/InterestGrp/ProgramServicesAmt011007882
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IRS990/InvestmentInJointVentureInd00
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IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0OPPORTUNITY INTERNATIONAL, INC., (OPPORTUNITY), IS A TAX EXEMPT, PUBLICLY SUPPORTED FAITH-BASED CORPORATION. BY PROVIDING FINANCIAL SOLUTIONS, SUPPORT AND TRAINING, WE EMPOWER 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 PROGRAMS ARE FINANCED THROUGH CHARITABLE DONATIONS, EARNED INCOME FROM ITS BANKING OPERATIONS AND FROM LEVERAGING LOCAL FUNDS PROVIDED BY PARTNER BANKS AND OTHER FINANCIAL INSTITUTIONS. IN 2019 OPPORTUNITY AND ITS PARTNER ORGANIZATIONS SERVED 6.6 MILLION LOAN CLIENTS AND REACHED 2 MILLION CHILDREN IN 6,400 SCHOOLS. 95% OF LOAN CLIENTS ARE WOMEN.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd01
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt051428600
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt038955778
IRS990/NetAssetsOrFundBalancesBOYAmt044031843
IRS990/NetAssetsOrFundBalancesEOYAmt042030661
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-43043

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$242,758,944
Liabilities
$200,728,283
Net assets
$42,030,661
Revenue
$74,708,034
Expenses
$68,956,124
Net income
$5,751,910
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.7$39.8$28.9$47.8$48.8$0.94
2023Summary only. Only limited summary data is available for this year.$67.5$37.0$30.5$40.9$44.3$3.37
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$73.2$38.6$34.7$48.5$45.5$3.05
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$85.7$53.6$32.0$53.1$44.9$8.19
2020Summary only. Only limited summary data is available for this year.$288$237$51.1$51.4$44.9$6.50
2019Detailed filing. Detailed filing data is available for this year.$243$201$42.0$74.7$69.0$5.75
2018Summary only. Only limited summary data is available for this year.$266$222$44.0$84.7$76.9$7.81
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$254$210$44.1$77.9$78.6$0.69
2016Summary only. Only limited summary data is available for this year.$253$196$57.0$94.2$97.8$3.58
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.4$16.8$20.6$108$132$24.1
2014Detailed filing. Detailed filing data is available for this year.$59.0$17.0$42.0$141$139$1.94
2013Detailed filing. Detailed filing data is available for this year.$44.5$10.6$33.9$133$123$10.1
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$54.9$35.5$19.3$111
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$62.3$29.8$32.5$110
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$87.9$36.5$51.4$111