OPPORTUNITIES CREDIT UNION

EIN: 030321712

WINOOSKI, VT

Total Revenue
$1,647,308
Total Expenses
$2,147,740
Total Assets
N/A
Net Assets
N/A
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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
1989
Legal Domicile
VT
Principal Officer
ERIN METIVIER
Phone
8026544540
Tax Period
2025-01-01 to 2025-07-17

OPPORTUNITIES CREDIT UNION, founded in 1989, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2025. Revenue fell 64% from the prior year — a significant decline worth monitoring. Expenses of $2.1M exceeded revenue, resulting in a 30% operating deficit.

Mission

TO BUILD WEALTH, COMMUNITY, AND OPPORTUNITY THROUGH A FAIR AND AFFORDABLE FINANCIAL SYSTEM

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $1,521,723
Investment Income $125,585
Other Revenue $0
TOTAL REVENUE $1,647,308

Expense Breakdown

Grants Paid $0
Salaries & Benefits $750,301
Fundraising Expenses $0
Other Expenses $1,397,439
TOTAL EXPENSES $2,147,740

Year-over-Year Comparison

2025 2024 Change
Revenue $1,647,308 $4,537,090 -0.6%
Expenses $2,147,740 $4,847,235 -0.6%
Net Income $-500,432 $-310,145 +0.6%
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

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Governance

Voting Members
10
Independent Members
10
Employees
30
Volunteers
10

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
5
$67,909
Total Directors
10
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
GLEN VON BERNEWITZ BOARD CHAIRPERSON 2.00
Officer Director
$0 $0 $0
VAN DORA WILLIAMS BOARD MEMBER 2.00
Director
$0 $0 $0
YACOUBA JACOB BOGRE BOARD MEMBER 2.00
Director
$0 $0 $0
GARY ELEY BOARD MEMBER 2.00
Director
$0 $0 $0
LEIGH COLE BOARD VICE CHAIRPERSON 2.00
Officer Director
$0 $0 $0
TIM GEORGE BOARD SECRETARY, BOARD TREASURER, 2.00
Officer Director
$0 $0 $0
TERRY FIELD BOARD MEMBER 2.00
Director
$0 $0 $0
MATTHEW CROPP SUPERVISORY COMMITTEE MEMBER 2.00
Director
$0 $0 $0
SEAN GILLIGAN SUPERVISORY COMMITTE MEMBER 2.00
Director
$0 $0 $0
MATTHEW JOHNSON SUPERVISORY COMMITTEE CHAIRPERSON 2.00
Director
$0 $0 $0
ERIN METIVIER CFO 40.00
Officer
$61,749 $6,160 $67,909
ROBERT LAKE INTERIM MANANGER OR CEO 40.00
Officer
$0 $0 $0
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 $1,647,308 $2,147,740 No data $-500,432
2024 No data No data No data No data
2023 $4,515,877 $4,426,983 $65,716,416 $88,894
2022 $4,637,677 $4,512,898 $63,188,457 $124,779
2021 $3,891,692 $3,282,216 $59,732,951 $609,476
2020 $3,370,505 $3,352,612 $53,678,583 $17,893
2019 $3,362,082 $3,286,690 $43,417,963 $75,392
2018 $3,292,847 $2,920,334 $38,265,091 $372,513
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