OPPORTUNITIES CREDIT UNION

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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

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 AND CREATE ECONOMIC OPPORTUNITY BY BRINGING AFFORDABLE CAPITAL AND FINANCIAL SERVICES TO TRADITIONALLY UNDERSERVED POPULATIONS

Program Service Accomplishments

Program 1

OPPORTUNITIES CREDIT UNION (THE CREDIT UNION) WAS FOCUSED ON IMPROVING THE FINANCIAL STABILITY OF VERMONTERS. OUR DIVERSE MEMBERSHIP CAME FROM OVER 220 TOWNS. EACH MEMBER HAS THEIR OWN UNIQUE STORY AND FINANCIAL GOALS. OUR INVESTORS AND PARTNERS ARE EQUALLY FOCUSED ON HAVING AN IMPACT IN OUR TARGET MARKET. THE CREDIT UNION WAS A CERTIFIED COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION SERVING THE STATE OF VERMONT'S MODERATE AND LOW-INCOME POPULATION WITH AFFORDABLE CAPITAL AND COUNSELING-BASED FINANCIAL SERVICES. THESE PROGRAMMATIC OBJECTIVES WILL CONTINUE ON A GO-FORWARD BASIS UNDER THE LEADERSHIP OF GREEN MOUNTAIN CREDIT UNION, INTO WHICH THE CREDIT UNION MERGED IN JULY 2025.

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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 $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

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

$67,909

Total Directors

Key Employees

Highest Compensated

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