Civic Intelligence

The Opportunity Plan Inc

990 • Fiscal year 2017 • EIN 75-6020405

Aug 01, 2016 to Jul 31, 2017 • Filed on Dec 12, 2017

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

6th percentile

0.00x

Higher debt load relative to assets than 6% of similar nonprofits.

2017 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2017

Liabilities / Revenue

9th percentile

0.03x

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

2017 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2017

Net Margin

53rd percentile

3.8%

Higher net margin than 53% of similar nonprofits.

2017 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2017

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.

2017 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2017

Asset Growth

29th percentile

0.0%

Faster asset growth than 29% of similar nonprofits.

2017 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Revenue Growth

78th percentile

23%

Faster revenue growth than 78% of similar nonprofits.

2017 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Assets

Up

$29,859,018

Up $3,620 (+0.0%) from 2016

Net Assets

Up

$29,809,077

Up $3,863 (+0.0%) from 2016

Liabilities

Down

$49,941

Down $243 (-0.5%) from 2016

Revenue

Up

$1,694,136

Up $311,366 (+23%) from 2016

Expenses

Down

$1,629,029

Down $163,851 (-9.1%) from 2016

Net Income

Up

$65,107

Up $475,217 (+116%) from 2016

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

2017

Assets$29,859,018
Liabilities$49,941
Net Assets$29,809,077

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

2017

Revenue$1,694,136
Expenses$1,629,029
Net Income$65,107
Jump To
Filing Snapshot
Filing Period
Aug 1, 2016 to Jul 31, 2017
Signed
Dec 12, 2017
Return Version
2016v3.0
Gross Receipts
$4,503,407
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$18,724,851$18,884,480▲ $159,629
Cash and Non-Interest-Bearing Accounts$7,074,790$6,995,163▼ $79,627
Other Notes and Loans Receivable, Net$2,125,605$2,062,698▼ $62,907
Savings and Temporary Cash Investments$1,790,629$1,797,529▲ $6,900
Land, Buildings, and Equipment, Net$65,277$54,865▼ $10,412
Prepaid Expenses and Deferred Charges$25,437$25,486▲ $49
Total Assets$29,855,398$29,859,018▲ $3,620
Other Assets Total$48,809$38,797▼ $10,012
Liabilities
Accounts Payable and Accrued Expenses$50,184$49,941▼ $243
Total Liabilities$50,184$49,941▼ $243
Net Assets / Fund Balance
Permanently Rstr Net Assets$18,922,637$19,413,533▲ $490,896
Unrestricted Net Assets$10,609,406$10,200,874▼ $408,532
Temporarily Rstr Net Assets$273,171$194,670▼ $78,501
Total Net Assets Fund Balance$29,805,214$29,809,077▲ $3,863
Total Liabilities and Net Assets / Fund Balance$29,855,398$29,859,018▲ $3,620

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$29,594$190,385$219,979
Equipment$17,771$117,743$135,514
Land$7,500-$7,500
Other Securities$18,884,480--
Compensation and Service Providers

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$780,039
Program Service Revenue
$74,110
Investment Income
$839,348
Other Revenue
$639
All Other Contributions
$780,039
Change in Net Assets
$65,107
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$1,071,643
Salaries, Compensation, and Employee Benefits$288,062
Other Expenses$269,324
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals$1,071,643--$1,071,643
Other Salaries and Wages$40,302$78,379-$118,681
Current Officers, Directors, Trustees, and Key Employees$35,854$35,853-$71,707
Fees for Service Investment Mgmnt Fees-$61,012-$61,012
Other Employee Benefits$21,151$31,727-$52,878
Pension Plan Contributions$12,160$18,239-$30,399
Fees for Services Legal-$25,819-$25,819
Information Technology-$25,405-$25,405
Insurance-$16,897-$16,897
Payroll Taxes$5,759$8,638-$14,397
Office Expenses-$13,627-$13,627
Occupancy-$12,972-$12,972
Depreciation Depletion-$12,385-$12,385
Other Expenses-$8,629-$8,629
All Other Expenses-$905-$905
Travel-$372-$372
Total Functional Expenses$1,186,869$442,160$0$1,629,029
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 11B

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
2017-12-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cathryn Wright
Formed
1954
Legal Domicile
TX
Voting Board Members
22
Independent Board Members
22
Employees
5
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/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt20VICE-PRESIDENT
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt03290430
IRS990/GrossReceiptsAmt04503407
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt022
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt025405
IRS990/InformationTechnologyGrp/TotalAmt025405
IRS990/InsuranceGrp/ManagementAndGeneralAmt016897
IRS990/InsuranceGrp/TotalAmt016897
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0358189
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0358189
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt018724851
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt018884480
IRS990/IRPDocumentCnt06
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0308128
IRS990/LandBldgEquipBasisNetGrp/BOYAmt065277
IRS990/LandBldgEquipBasisNetGrp/EOYAmt054865
IRS990/LandBldgEquipCostOrOtherBssAmt0362993
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt02809271
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/NetAssetsOrFundBalancesBOYAmt029805214
IRS990/NetAssetsOrFundBalancesEOYAmt029809077
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0481159
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0481159
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-61244
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt012972
IRS990/OccupancyGrp/TotalAmt012972
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt013627
IRS990/OfficeExpensesGrp/TotalAmt013627
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt048809
IRS990/OtherAssetsTotalGrp/EOYAmt038797
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt031727
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt021151
IRS990/OtherEmployeeBenefitsGrp/TotalAmt052878
IRS990/OtherExpensesGrp/Desc0MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc1REPAIRS AND MAINTENANCE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3PUBLIC RELATIONS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt070085
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt111317
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt29899
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt38629
IRS990/OtherExpensesGrp/TotalAmt070085
IRS990/OtherExpensesGrp/TotalAmt111317
IRS990/OtherExpensesGrp/TotalAmt29899
IRS990/OtherExpensesGrp/TotalAmt38629
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0EXPENSE REBATE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0639
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0639
IRS990/OtherRevenueTotalAmt0639
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt078379
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt040302
IRS990/OtherSalariesAndWagesGrp/TotalAmt0118681
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt02125605
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02062698
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt08638
IRS990/PayrollTaxesGrp/ProgramServicesAmt05759
IRS990/PayrollTaxesGrp/TotalAmt014397
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt018239
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt012160
IRS990/PensionPlanContributionsGrp/TotalAmt030399
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt018922637
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt019413533
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt025437
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt025486
IRS990/PrincipalOfficerNm0CATHRYN WRIGHT
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/Desc0STUDENT LOAN INTEREST I
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt074110
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt074110
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0864152
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt0959824
IRS990/PYInvestmentIncomeAmt0437016
IRS990/PYOtherExpensesAmt0568589
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt081602
IRS990/PYRevenuesLessExpensesAmt0-410110
IRS990/PYSalariesCompEmpBnftPaidAmt0264467
IRS990/PYTotalExpensesAmt01792880
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01382770
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt065107
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01790629
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01797529
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0780039
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0864152
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01510970
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt01156548
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt01161036
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt05472745
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0358189
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0345166
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0370679
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0378304
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0373258
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt01825596
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0515595
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.68640
IRS990ScheduleA/PublicSupportPY170Pct00.71020
IRS990ScheduleA/PublicSupportTotal170Amt05009865
IRS990ScheduleA/SubstantialContributorsTotAmt0462880
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0780039
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0864152
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt01510970
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt01156548
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt01161036
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt05472745
IRS990ScheduleA/TotalSupportAmt07298341
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

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
2017Detailed filing. Detailed filing data is available for this year.$29.9$0.05$29.8$1.69$1.63$0.07
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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