Civic Intelligence

The Opportunity Plan Inc

990 • Fiscal year 2016 • EIN 75-6020405

Aug 01, 2015 to Jul 31, 2016 • Filed on Dec 12, 2016

PO Box 1035Canyon, TX 79015-1035

(806) 655-2528

Siviq Scores

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

Liabilities / Assets

5th percentile

0.00x

Higher debt load relative to assets than 5% of similar nonprofits.

2016 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

9th percentile

0.04x

Higher debt load relative to revenue than 9% of similar nonprofits.

2016 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2016

Net Margin

8th percentile

-30%

Higher net margin than 8% of similar nonprofits.

2016 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

7th percentile

$0

Higher top officer pay than 7% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2016 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2016

Asset Growth

32nd percentile

-1.2%

Faster asset growth than 32% of similar nonprofits.

2016 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

7th percentile

-41%

Faster revenue growth than 7% of similar nonprofits.

2016 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Assets

Down

$29,855,398

Down $368,747 (-1.2%) from 2015

Net Assets

Down

$29,805,214

Down $417,816 (-1.4%) from 2015

Liabilities

Up

$50,184

Up $49,069 (+4401%) from 2015

Revenue

Down

$1,382,770

Down $966,340 (-41%) from 2015

Expenses

Up

$1,792,880

Up $359,502 (+25%) from 2015

Net Income

Down

-$410,110

Down $1,325,842 (-145%) from 2015

Historical Trend

Balance Sheet Trend

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

$40M$30M$20M$10M$0Assets 2012: $27,385,892Liabilities 2012: $845Net Assets 2012: $27,385,0472012Assets 2013: $28,415,546Liabilities 2013: $778Net Assets 2013: $28,414,7682013Assets 2014: $29,370,895Liabilities 2014: $327Net Assets 2014: $29,370,5682014Assets 2015: $30,224,145Liabilities 2015: $1,115Net Assets 2015: $30,223,0302015Assets 2016: $29,855,398Liabilities 2016: $50,184Net Assets 2016: $29,805,2142016Assets 2017: $29,859,018Liabilities 2017: $49,941Net Assets 2017: $29,809,0772017Assets 2018: $30,912,574Liabilities 2018: $50,365Net Assets 2018: $30,862,2092018Assets 2019: $31,128,699Liabilities 2019: $59,166Net Assets 2019: $31,069,5332019Assets 2020: $32,196,249Liabilities 2020: $50,995Net Assets 2020: $32,145,2542020Assets 2021: $34,328,715Liabilities 2021: $55,986Net Assets 2021: $34,272,7292021Assets 2022: $30,351,406Liabilities 2022: $53,353Net Assets 2022: $30,298,0532022Assets 2023: $31,228,504Liabilities 2023: $3,487Net Assets 2023: $31,225,0172023Assets 2024: $32,247,184Liabilities 2024: $3,985Net Assets 2024: $32,243,1992024

Highlighted filing

2016

Assets$29,855,398
Liabilities$50,184
Net Assets$29,805,214

Operations Trend

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

$4.0M$2.0M$0-$2.0M-$4.0MRevenue 2012: $1,399,835Expenses 2012: $1,371,540Net Income 2012: $28,2952012Revenue 2013: $1,659,943Expenses 2013: $1,365,226Net Income 2013: $294,7172013Revenue 2014: $1,688,731Expenses 2014: $1,374,079Net Income 2014: $314,6522014Revenue 2015: $2,349,110Expenses 2015: $1,433,378Net Income 2015: $915,7322015Revenue 2016: $1,382,770Expenses 2016: $1,792,880Net Income 2016: -$410,1102016Revenue 2017: $1,694,136Expenses 2017: $1,629,029Net Income 2017: $65,1072017Revenue 2018: $2,766,184Expenses 2018: $1,633,404Net Income 2018: $1,132,7802018Revenue 2019: $1,792,511Expenses 2019: $1,722,624Net Income 2019: $69,8872019Revenue 2020: $1,349,548Expenses 2020: $1,822,999Net Income 2020: -$473,4512020Revenue 2021: $1,575,077Expenses 2021: $1,830,367Net Income 2021: -$255,2902021Revenue 2022: -$1,899,695Expenses 2022: $2,074,980Net Income 2022: -$3,974,6752022Revenue 2023: $2,869,153Expenses 2023: $1,962,387Net Income 2023: $906,7662023Revenue 2024: $2,223,879Expenses 2024: $2,031,492Net Income 2024: $192,3872024

Highlighted filing

2016

Revenue$1,382,770
Expenses$1,792,880
Net Income-$410,110
Jump To
Filing Snapshot
Filing Period
Aug 1, 2015 to Jul 31, 2016
Signed
Dec 12, 2016
Return Version
2015v2.1
Gross Receipts
$3,914,844
Mission and Program Overview

Mission

To assist students in achieving their educational goals by providing loans and scholarships for college educations.

Provide loans and scholarships to college students

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$19,020,657$18,724,851▼ $295,806
Cash and Non-Interest-Bearing Accounts$6,613,325$7,074,790▲ $461,465
Other Notes and Loans Receivable, Net$2,644,419$2,125,605▼ $518,814
Savings and Temporary Cash Investments$1,789,084$1,790,629▲ $1,545
Land, Buildings, and Equipment, Net$78,153$65,277▼ $12,876
Prepaid Expenses and Deferred Charges$23,452$25,437▲ $1,985
Total Assets$30,224,145$29,855,398▼ $368,747
Other Assets Total$55,055$48,809▼ $6,246
Liabilities
Accounts Payable and Accrued Expenses$1,115$50,184▲ $49,069
Total Liabilities$1,115$50,184▲ $49,069
Net Assets / Fund Balance
Permanently Rstr Net Assets$18,637,840$18,922,637▲ $284,797
Unrestricted Net Assets$11,291,874$10,609,406▼ $682,468
Temporarily Rstr Net Assets$293,316$273,171▼ $20,145
Total Net Assets Fund Balance$30,223,030$29,805,214▼ $417,816
Total Liabilities and Net Assets / Fund Balance$30,224,145$29,855,398▼ $368,747

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$34,159$185,820$219,979
Equipment$23,618$109,923$133,541
Land$7,500-$7,500
Other Securities$18,724,851--
Compensation and Service Providers

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$864,152
Program Service Revenue
$81,602
Investment Income
$437,016
Other Revenue
$0
All Other Contributions
$864,152
Change in Net Assets
$-410,110
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$959,824
Other Expenses$568,589
Salaries, Compensation, and Employee Benefits$264,467
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals$959,824--$959,824
Other Salaries and Wages$34,265$69,223-$103,488
Current Officers, Directors, Trustees, and Key Employees$35,651$35,651-$71,302
Fees for Service Investment Mgmnt Fees-$57,571-$57,571
Other Employee Benefits$18,922$28,383-$47,305
Pension Plan Contributions$11,659$17,489-$29,148
Fees for Services Legal-$28,183-$28,183
Insurance-$15,368-$15,368
Payroll Taxes$5,290$7,934-$13,224
Depreciation Depletion-$12,876-$12,876
Office Expenses-$12,594-$12,594
Occupancy-$11,881-$11,881
Other Expenses-$5,645-$5,645
Information Technology-$5,235-$5,235
All Other Expenses-$2,526-$2,526
Total Functional Expenses$1,065,611$727,269$0$1,792,880
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
No
Backup withholding compliance
Yes
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11

A copy of the tax return is provided to the executive committee and president prior to filing. The preparer goes over the return and answers any questions that arise. The return is then filed.

Form 990, Part VI, Section C, Line 19

Opi's governing documents and financial statements are available upon request by the public.

Filing and Contact Details

Filer

Filer Name
The Opportunity Plan Inc
EIN
75-6020405
Phone
8066552528
Address
PO BOX 1035, CANYON, TX 79015-1035

Signing Officer

Name
Cathryn Wright
Title
President
Phone
8066552528
Signed
2016-12-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cathryn Wright
Formed
1954
Legal Domicile
TX
Voting Board Members
24
Independent Board Members
24
Employees
4
Volunteers
0

Preparer

Firm
Brown Graham & Company Pc
Address
PO BOX 20210, AMARILLO, TX 79114-2210
Preparer
David W Mooney CPA
Phone
8063558241
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IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt22VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt23SEC/TREAS
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt091850
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt024
IRS990/GrantAmt0959824
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt0959824
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt0959824
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt02623924
IRS990/GrossReceiptsAmt03914844
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt024
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt05235
IRS990/InformationTechnologyGrp/TotalAmt05235
IRS990/InsuranceGrp/ManagementAndGeneralAmt015368
IRS990/InsuranceGrp/TotalAmt015368
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0345166
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0345166
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt019020657
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt018724851
IRS990/IRPDocumentCnt03
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0295743
IRS990/LandBldgEquipBasisNetGrp/BOYAmt078153
IRS990/LandBldgEquipBasisNetGrp/EOYAmt065277
IRS990/LandBldgEquipCostOrOtherBssAmt0361020
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt02532074
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO ASSIST STUDENTS IN ACHIEVING THEIR EDUCATIONAL GOALS BY PROVIDING LOANS AND SCHOLARSHIPS FOR COLLEGE EDUCATIONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt030223030
IRS990/NetAssetsOrFundBalancesEOYAmt029805214
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt091850
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt091850
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt053584
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt011881
IRS990/OccupancyGrp/TotalAmt011881
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt012594
IRS990/OfficeExpensesGrp/TotalAmt012594
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt055055
IRS990/OtherAssetsTotalGrp/EOYAmt048809
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt028383
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt018922
IRS990/OtherEmployeeBenefitsGrp/TotalAmt047305
IRS990/OtherExpensesGrp/Desc0MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc1REPAIRS AND MAINTENANCE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3PUBLIC RELATIONS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0389765
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt116510
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt210435
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt35645
IRS990/OtherExpensesGrp/TotalAmt0389765
IRS990/OtherExpensesGrp/TotalAmt116510
IRS990/OtherExpensesGrp/TotalAmt210435
IRS990/OtherExpensesGrp/TotalAmt35645
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt069223
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt034265
IRS990/OtherSalariesAndWagesGrp/TotalAmt0103488
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt02644419
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02125605
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt07934
IRS990/PayrollTaxesGrp/ProgramServicesAmt05290
IRS990/PayrollTaxesGrp/TotalAmt013224
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt017489
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt011659
IRS990/PensionPlanContributionsGrp/TotalAmt029148
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt018637840
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt018922637
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt023452
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt025437
IRS990/PrincipalOfficerNm0CATHRYN WRIGHT
IRS990/PriorPeriodAdjustmentsAmt0-61290
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/Desc0STUDENT LOAN INTEREST I
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt081602
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt081602
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt01510970
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt0963564
IRS990/PYInvestmentIncomeAmt0718641
IRS990/PYOtherExpensesAmt0210114
IRS990/PYOtherRevenueAmt03479
IRS990/PYProgramServiceRevenueAmt0116020
IRS990/PYRevenuesLessExpensesAmt0915732
IRS990/PYSalariesCompEmpBnftPaidAmt0259700
IRS990/PYTotalExpensesAmt01433378
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02349110
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-410110
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01789084
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01790629
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0864152
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt01510970
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01156548
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt01161036
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0896257
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt05588963
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0345166
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0370679
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0378304
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0373258
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0363971
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt01831378
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0560937
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.71020
IRS990ScheduleA/PublicSupportPY170Pct00.70240
IRS990ScheduleA/PublicSupportTotal170Amt05269963
IRS990ScheduleA/SubstantialContributorsTotAmt0319000
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0864152
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt01510970
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt01156548
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt01161036
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0896257

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.2$0.00$32.2$2.22$2.03$0.19
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.2$0.00$31.2$2.87$1.96$0.91
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.4$0.05$30.3$1.90$2.07$3.97
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.3$0.06$34.3$1.58$1.83$0.26
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.2$0.05$32.1$1.35$1.82$0.47
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.1$0.06$31.1$1.79$1.72$0.07
2018Summary only. Only limited summary data is available for this year.$30.9$0.05$30.9$2.77$1.63$1.13
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.9$0.05$29.8$1.69$1.63$0.07
2016Detailed filing. Detailed filing data is available for this year.$29.9$0.05$29.8$1.38$1.79$0.41
2015Detailed filing. Detailed filing data is available for this year.$30.2$0.00$30.2$2.35$1.43$0.92
2014Detailed filing. Detailed filing data is available for this year.$29.4$0.00$29.4$1.69$1.37$0.31
2013Summary only. Only limited summary data is available for this year.$28.4$0.00$28.4$1.66$1.37$0.29
2012Summary only. Only limited summary data is available for this year.$27.4$0.00$27.4$1.40$1.37$0.03