CREDIT UNION OF VERMONT (EIN 030211361) - 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

1958

Legal Domicile

Principal Officer

JENNIFER TAYLOR

Phone

8027730027

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNION OF VERMONT, founded in 1958, is a community nonprofit that reported $4.4M in total revenue in fiscal year 2025.

Mission

A CREDIT UNION. NOT-FOR-PROFIT CORPORATION OWNED BY ITS MEMBERS AND PROVIDING LOW COST FINANCIAL SERVICES INCLUDING LOANS AND SHARE-DEPOSIT SERVICES TO ITS MEMBER-OWNERS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,809,811

Investment Income $1,607,216

Other Revenue $-35

TOTAL REVENUE $4,416,992

Expense Breakdown

Grants Paid $0

Salaries & Benefits $959,715

Fundraising Expenses $0

Other Expenses $3,347,027

TOTAL EXPENSES $4,306,742

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,416,992	$4,383,157	+0.0%
Expenses	$4,306,742	$2,807,131	+0.5%
Net Income	$110,250	$1,576,026	-0.9%

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

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

$801,277

Total Directors

$193,996

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRYAN KENT	CEO AND TREASURER	40.00	Officer Director	$183,045	$10,951	$193,996
BARBARA SANDILLO	BOARD PRESIDENT	5.00	Director	$0	$0	$0
ROBERT KILPECK	BOARD VICE PRESIDENT	5.00	Director	$0	$0	$0
CATHERINE MILES	SECRETARY	1.00	Director	$0	$0	$0
DIANE HAVEN	TREASURER	1.00	Director	$0	$0	$0
MICHELLE DUPREY	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER TAYLOR	COO	40.00	Officer	$597,940	$9,341	$607,281

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	$4,416,992	$4,306,742	No data	$110,250
2024	$4,383,157	$2,807,131	$79,262,499	$1,576,026
2023	$3,890,169	$3,119,036	$74,691,466	$771,133
2022	$2,621,042	$1,568,225	$71,315,895	$1,052,817
2021	$2,164,188	$1,493,926	$64,981,595	$670,262
2020	$2,189,383	$1,612,379	$60,007,044	$577,004
2019	$2,334,661	$1,726,137	$51,794,216	$608,524
2018	$2,042,273	$1,548,865	$48,295,645	$493,408

CREDIT UNION OF VERMONT