CENTRAL VERMONT MEDICAL CENTER INC CREDIT UNION (EIN 222610477) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1970

Legal Domicile

Principal Officer

PATRICK REEVES

Phone

8023714211

Tax Period

2025-01-01 to 2025-12-31

CENTRAL VERMONT MEDICAL CENTER INC CREDIT UNION, founded in 1970, is a small nonprofit that reported $698K in total revenue in fiscal year 2025. Revenue decreased 9% compared to the prior year. Expenses of $607K left a modest 13% surplus.

Mission

CREDIT UNION MEMBER SERVICES. CENTRAL VT MEDICAL CENTER INC. CREDIT UNION WAS ESTABLISHED TO PROVIDE COMPETITIVE LOAN AND DEPOSIT PRODUCTS AND MEET FINANCIAL NEEDS OF ITS MEMBER BASE.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $371,112

Investment Income $290,053

Other Revenue $36,851

TOTAL REVENUE $698,016

Expense Breakdown

Grants Paid $0

Salaries & Benefits $255,544

Fundraising Expenses $0

Other Expenses $351,220

TOTAL EXPENSES $606,764

Year-over-Year Comparison

	2025	2024	Change
Revenue	$698,016	$770,827	-0.1%
Expenses	$606,764	$866,826	-0.3%
Net Income	$91,252	$-95,999	-2.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$124,961

Total Directors

$124,961

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATRICK REEVES	TREASURER AN	40.00	Officer Director	$124,961	$0	$124,961
KELLY FOY	VICE CHAIRPE	0.50	Officer Director	$0	$0	$0
EILEEN HEE	BOARD MEMBER	0.50	Director	$0	$0	$0
KELLY HOLLAND	CHAIRPERSON	0.50	Officer Director	$0	$0	$0
DIXIE MERCIER	BOARD MEMBER	0.50	Director	$0	$0	$0
MICHELLE QUESNEL	BOARD MEMBER	0.50	Director	$0	$0	$0
ORESTE READER	BOARD MEMBER	0.50	Director	$0	$0	$0
KATE SWEENEY	BOARD MEMBER	0.50	Director	$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	$698,016	$606,764	$12,511,404	$91,252
2024	$770,827	$866,826	$11,518,906	$-95,999
2023	$726,406	$595,813	$12,862,476	$130,593
2022	$551,943	$445,721	$14,110,635	$106,222
2021	$489,074	$423,746	$14,129,688	$65,328
2020	$590,585	$459,660	$13,219,098	$130,925
2019	$714,776	$550,893	$12,477,440	$163,883
2018	$678,070	$489,445	$12,131,566	$188,625

CENTRAL VERMONT MEDICAL CENTER INC CREDIT UNION