Opportunity International
Legal name: Opportunity International Inc D/b/a Opportunity International-us
Nonprofit profile at a glance
- EIN
- 540907624
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Aug 2026
- Forms available
- Form 990 2024, Form 990-T 2024
- Location
- Carol Stream, Illinois, United States
- Phone
- 1-800-793-9455
- Rating
- 76
- Verdict
- SUPPORTED
- Rating confidence
- Standard
- Sector
- International Economic Development
Reported finances
- Revenue
- $51,137,074
- Expenses
- $50,949,140
- Assets
- $83,197,933
- Liabilities
- $53,013,790
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
26 people listed
Executive titles in this filing
- ATUL TANDON (CEO)
- MARY BARRY - TERM 625 DIRECTOR (OF CEO & ASSIST SECR. (TERM 06/2025))
- JEAN VOSS - SR DIRECTOR (OFFICE OF THE CEO (START 06/2025))
Highest reported compensation
- ATUL TANDON (CEO): $653,777 total reported compensation
- RANDY KURTZ TERM 1125 (EXEC VP, INT'L PROG. & CAP SOLUTIONS): $318,956 total reported compensation
- MARGARET TOMASIK TERM1225 (CHIEF FINANCIAL OFFICER): $290,126 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To empower people to work their way out of chronic poverty, transforming their lives, their children's futures and their communities.
What it reported doing in 2024
Opportunity implements its programs through a worldwide network of staff, branches, subsidiary banks and local nongovernmental organizations, as well as local implementing partners- commercial and nonprofit and microfinance institutions. Opportunity's programs are designed to maximize the local partner disbursement of loans, provision of savings accounts, remittance and others services to its clients, alongside the training and support provided by opportunity to them. Opportunity's objective is to increase empowerment, entrepreneurship and employability amongst bottom-of-the-pyramid households, as evidenced by an increase in regular income and quality of life standards. Opportunity maintains a minority equity interest and/or board representation in a number of key implementing partners to ensure a long term alignment of interest in serving the poor. Opportunity uses its charitable donations to invest equity, fund its direct operations, especially its education finance, agricultural finance, digital financial services and support its implementing partners. Its operating model results in the disbursed value of loans each year valuing on average 10 times the total charitable donations received. In 2024, agriculture finance programs reached over 580,000 households and released over $100 million in farmer loans.
Operating model
- Revenue model
- Donor-supported. 61% of the money available for current operations came from contributions and gifts.
- Distribution model
- Direct operator. The filing allocates 93% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
- Includes noncash contributions: Reported contributions include donated property or goods.
The verdict
SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Fundraising costs are high for each dollar raised and program spending has declined or grown slowly.
Rating breakdown
- Financial Efficiency: 81
- Transparency & Controls: 74
- Accountability: 95
- Sustainability: 37
- Growth: 20
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 87.1%; rating input score 87
- Program expense ratio: 87.3%; rating input score 87
- Fundraising efficiency: $6.87 raised per $1 spent on fundraising; rating input score 31; 31st percentile among comparable filings
Transparency & Controls
- Consistency checks: 93.3%; rating input score 93; 21st percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: 3 of 8 controls in place; rating input score 38
- Claims monitoring procedures: Pass
- Requires narrative reports: Limited
- Conducts field audits: Limited
- May suspend future funding: Limited
- Requires financial reports: Pass
- Conducts site visits: Limited
- Requires grant agreements: Pass
- May require repayment: Limited
- Grant itemization coverage: 100%; rating input score 100; 77th percentile among comparable filings
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Yes; rating input score 100
Accountability
- Independent voting board: 92.3%; rating input score 92; 41st percentile among comparable filings
- Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 0.4%; rating input score 34; 34th percentile among comparable filings
- Total-asset coverage ratio: 1.63; rating input score 56; 56th percentile among comparable filings
- Liabilities to assets ratio: 0.64; rating input score 26; 26th percentile among comparable filings
- Officer compensation ratio: 6%; rating input score 11; 11th percentile among comparable filings
Growth
- Program expense growth: -12% per year; rating input score 0; 1st percentile among comparable filings
- Revenue growth: -6.1% per year; rating input score 0; 1st percentile among comparable filings
- Asset growth: 2.1% per year; rating input score 100; 15th percentile among comparable filings
Details
- What they do: 5 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: 87.1% of revenue deployed · 87.3% of spending went to programs
- Governance: 12 of 13 board members independent · 9 of 9 filing controls reported
- Programs: 4 filed program accomplishments · $44.5M in reported program spending
- Leadership: top reported pay $654K · 26 people listed · 2 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $3.4M reported
- Consistency: 36 of 37 current checks pass · 1 finding to review
- Schedules: 9 filed schedules · includes major donors, foreign activity, grants, executive pay, and related organizations
- Filing history: 15 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 21 filed money-flow records
- Related organizations: 11 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Financial Efficiency: Fundraising efficiency scored 31/100.
- High — Growth: Program expense growth scored 0/100.
- High — Growth: Revenue growth scored 0/100.
- Moderate — Sustainability: Operating margin scored 34/100.
- Review — Sustainability: Total-asset coverage ratio scored 56/100.
- High — Sustainability: Officer compensation ratio scored 11/100.
- High — Sustainability: Liabilities to assets ratio scored 26/100.
- Review — Transparency & Controls: Foreign grant itemization did not reconcile in the filed values.