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Employer Identification Number 03-0321712

OPPORTUNITIES CREDIT UNION is a USA domiciled entity or foreign entity operating in the USA. The EIN ihas been issued by the IRS

Company Name:OPPORTUNITIES CREDIT UNION
Employer identification number (EIN):03-0321712
EIN Issuing AuthorityBrookhaven, NY
NAIC Classification:522130
NAIC Description:Credit Unions
401k Pension/Benefits registration OPPORTUNITIES CREDIT UNION 401k plan information
Federal tax statusExempt from federal income tax. Registered as a non-profit under 501(c)(3) Title 26 of the United States Code

Organization Overview

Mission StatementOPPORTUNITIES CREDIT UNION'S MISSION IS TO BUILD WEALTH, COMMUNITY, AND OPPORTUNITY THROUGH A FAIR AND AFFORDABLE FINANCIAL SYSTEM.
Number of Employees27
Number of Volunteers20
Year Formed1989

Organization Governance

Legal DomicileVT
Voting Members - Governing Body9
Voting Members - Independent9

Organization Financials

2023-12-31
Total unrelated business incomeUSD $ 23,552
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 3,019,452
Program Service Revenue from current yearUSD $ 3,371,605
Investment Income from prior yearUSD $ 102,139
Investment Income from current yearUSD $ 206,750
Other Revenue from prior yearUSD $ 0
Other Revenue from current yearUSD $ 0
Gross receipts from all sourcesUSD $ 4,515,877
Net assets / fund balances at end of fiscal yearUSD $ 6,378,092
Net assets / fund balances at beginning of fiscal yearUSD $ 6,226,828
Total liabilities at end of fiscal yearUSD $ 59,338,324
Total liabilities at beginning of fiscal yearUSD $ 56,961,629
Total assets at end of fiscal yearUSD $ 65,716,416
Total assets at beginning of fiscal yearUSD $ 63,188,457
Revenues less expenses for current yearUSD $ 88,894
Revenues less expenses for previous yearUSD $ 124,779
Total expenses for current yearUSD $ 4,426,983
Total expenses for previous yearUSD $ 4,512,898
Other expenses in current yearUSD $ 2,310,807
Other expenses in previous yearUSD $ 2,470,851
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 2,102,317
Employee salary and benefits paid in previous yearUSD $ 1,928,533
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 74,109
Grants and similar amounts paid in current yearUSD $ 13,859
Grants and similar amounts paid in previous yearUSD $ 39,405
Total revenue in current fiscal yearUSD $ 4,515,877
Total revenue in previous fiscal yearUSD $ 4,637,677
Contributions and grants from current yearUSD $ 937,522
Contributions and grants from previous yearUSD $ 1,516,086
2022-12-31
Total unrelated business incomeUSD $ 22,002
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 3,386,475
Program Service Revenue from current yearUSD $ 3,019,452
Investment Income from prior yearUSD $ 44,865
Investment Income from current yearUSD $ 102,139
Other Revenue from prior yearUSD $ 0
Other Revenue from current yearUSD $ 0
Gross receipts from all sourcesUSD $ 4,637,677
Net assets / fund balances at end of fiscal yearUSD $ 6,226,828
Net assets / fund balances at beginning of fiscal yearUSD $ 6,223,729
Total liabilities at end of fiscal yearUSD $ 56,961,629
Total liabilities at beginning of fiscal yearUSD $ 53,509,222
Total assets at end of fiscal yearUSD $ 63,188,457
Total assets at beginning of fiscal yearUSD $ 59,732,951
Revenues less expenses for current yearUSD $ 124,779
Revenues less expenses for previous yearUSD $ 609,476
Total expenses for current yearUSD $ 4,512,898
Total expenses for previous yearUSD $ 3,282,216
Other expenses in current yearUSD $ 2,470,851
Other expenses in previous yearUSD $ 1,510,355
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 1,928,533
Employee salary and benefits paid in previous yearUSD $ 1,659,173
Benefits paid to or for members in current yearUSD $ 74,109
Benefits paid to or for members in previous yearUSD $ 103,938
Grants and similar amounts paid in current yearUSD $ 39,405
Grants and similar amounts paid in previous yearUSD $ 8,750
Total revenue in current fiscal yearUSD $ 4,637,677
Total revenue in previous fiscal yearUSD $ 3,891,692
Contributions and grants from current yearUSD $ 1,516,086
Contributions and grants from previous yearUSD $ 460,352
2021-12-31
Total unrelated business incomeUSD $ 20,948
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 3,174,191
Program Service Revenue from current yearUSD $ 3,386,475
Investment Income from prior yearUSD $ 46,314
Investment Income from current yearUSD $ 44,865
Other Revenue from prior yearUSD $ 0
Other Revenue from current yearUSD $ 0
Gross receipts from all sourcesUSD $ 3,891,692
Net assets / fund balances at end of fiscal yearUSD $ 6,223,729
Net assets / fund balances at beginning of fiscal yearUSD $ 5,614,253
Total liabilities at end of fiscal yearUSD $ 53,509,222
Total liabilities at beginning of fiscal yearUSD $ 48,064,330
Total assets at end of fiscal yearUSD $ 59,732,951
Total assets at beginning of fiscal yearUSD $ 53,678,583
Revenues less expenses for current yearUSD $ 609,476
Revenues less expenses for previous yearUSD $ 17,893
Total expenses for current yearUSD $ 3,282,216
Total expenses for previous yearUSD $ 3,352,612
Other expenses in current yearUSD $ 1,510,355
Other expenses in previous yearUSD $ 1,617,140
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 1,659,173
Employee salary and benefits paid in previous yearUSD $ 1,622,124
Benefits paid to or for members in current yearUSD $ 103,938
Benefits paid to or for members in previous yearUSD $ 113,348
Grants and similar amounts paid in current yearUSD $ 8,750
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 3,891,692
Total revenue in previous fiscal yearUSD $ 3,370,505
Contributions and grants from current yearUSD $ 460,352
Contributions and grants from previous yearUSD $ 150,000
2020-12-31
Total unrelated business incomeUSD $ 22,778
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 2,612,575
Program Service Revenue from current yearUSD $ 3,174,191
Investment Income from prior yearUSD $ 76,323
Investment Income from current yearUSD $ 46,314
Other Revenue from prior yearUSD $ 0
Other Revenue from current yearUSD $ 0
Gross receipts from all sourcesUSD $ 3,370,505
Net assets / fund balances at end of fiscal yearUSD $ 5,614,253
Net assets / fund balances at beginning of fiscal yearUSD $ 5,596,360
Total liabilities at end of fiscal yearUSD $ 48,064,330
Total liabilities at beginning of fiscal yearUSD $ 37,821,603
Total assets at end of fiscal yearUSD $ 53,678,583
Total assets at beginning of fiscal yearUSD $ 43,417,963
Revenues less expenses for current yearUSD $ 17,893
Revenues less expenses for previous yearUSD $ 75,392
Total expenses for current yearUSD $ 3,352,612
Total expenses for previous yearUSD $ 3,286,690
Other expenses in current yearUSD $ 1,617,140
Other expenses in previous yearUSD $ 1,452,513
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 1,622,124
Employee salary and benefits paid in previous yearUSD $ 1,757,554
Benefits paid to or for members in current yearUSD $ 113,348
Benefits paid to or for members in previous yearUSD $ 76,623
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 3,370,505
Total revenue in previous fiscal yearUSD $ 3,362,082
Contributions and grants from current yearUSD $ 150,000
Contributions and grants from previous yearUSD $ 673,184
2018-12-31
Total unrelated business incomeUSD $ 18,203
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 2,184,751
Program Service Revenue from current yearUSD $ 2,456,077
Investment Income from prior yearUSD $ 78,743
Investment Income from current yearUSD $ 84,297
Other Revenue from prior yearUSD $ 50,324
Other Revenue from current yearUSD $ 0
Gross receipts from all sourcesUSD $ 3,292,847
Net assets / fund balances at end of fiscal yearUSD $ 5,520,968
Net assets / fund balances at beginning of fiscal yearUSD $ 5,148,456
Total liabilities at end of fiscal yearUSD $ 32,744,123
Total liabilities at beginning of fiscal yearUSD $ 31,810,216
Total assets at end of fiscal yearUSD $ 38,265,091
Total assets at beginning of fiscal yearUSD $ 36,958,672
Revenues less expenses for current yearUSD $ 372,513
Revenues less expenses for previous yearUSD $ 141,365
Total expenses for current yearUSD $ 2,920,334
Total expenses for previous yearUSD $ 2,867,785
Other expenses in current yearUSD $ 1,297,685
Other expenses in previous yearUSD $ 1,448,380
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 1,578,125
Employee salary and benefits paid in previous yearUSD $ 1,419,405
Benefits paid to or for members in current yearUSD $ 44,524
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 3,292,847
Total revenue in previous fiscal yearUSD $ 3,009,150
Contributions and grants from current yearUSD $ 752,473
Contributions and grants from previous yearUSD $ 695,332
2017-12-31
Total unrelated business incomeUSD $ 21,093
Net unrelated business incomeUSD $ -11,392
Program Service Revenue from prior yearUSD $ 2,220,249
Program Service Revenue from current yearUSD $ 2,184,751
Investment Income from prior yearUSD $ 49,689
Investment Income from current yearUSD $ 78,743
Other Revenue from prior yearUSD $ 22,631
Other Revenue from current yearUSD $ 50,324
Gross receipts from all sourcesUSD $ 3,009,150
Net assets / fund balances at end of fiscal yearUSD $ 5,148,456
Net assets / fund balances at beginning of fiscal yearUSD $ 5,007,091
Total liabilities at end of fiscal yearUSD $ 31,810,216
Total liabilities at beginning of fiscal yearUSD $ 32,103,442
Total assets at end of fiscal yearUSD $ 36,958,672
Total assets at beginning of fiscal yearUSD $ 37,110,533
Revenues less expenses for current yearUSD $ 141,365
Revenues less expenses for previous yearUSD $ 371,721
Total expenses for current yearUSD $ 2,867,785
Total expenses for previous yearUSD $ 3,351,827
Other expenses in current yearUSD $ 1,448,380
Other expenses in previous yearUSD $ 1,828,643
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 1,419,405
Employee salary and benefits paid in previous yearUSD $ 1,523,184
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 3,009,150
Total revenue in previous fiscal yearUSD $ 3,723,548
Contributions and grants from current yearUSD $ 695,332
Contributions and grants from previous yearUSD $ 1,430,979
Total of other revenueUSD $ 50,324
2016-12-31
Total unrelated business incomeUSD $ 29,523
Net unrelated business incomeUSD $ -27,969
Program Service Revenue from prior yearUSD $ 1,987,683
Program Service Revenue from current yearUSD $ 2,220,249
Investment Income from prior yearUSD $ 108,414
Investment Income from current yearUSD $ 49,689
Other Revenue from prior yearUSD $ 2,426
Other Revenue from current yearUSD $ 22,631
Gross receipts from all sourcesUSD $ 3,723,548
Net assets / fund balances at end of fiscal yearUSD $ 5,007,091
Net assets / fund balances at beginning of fiscal yearUSD $ 4,635,370
Total liabilities at end of fiscal yearUSD $ 32,103,442
Total liabilities at beginning of fiscal yearUSD $ 31,861,712
Total assets at end of fiscal yearUSD $ 37,110,533
Total assets at beginning of fiscal yearUSD $ 36,497,082
Revenues less expenses for current yearUSD $ 371,721
Revenues less expenses for previous yearUSD $ 574,324
Total expenses for current yearUSD $ 3,351,827
Total expenses for previous yearUSD $ 3,245,558
Other expenses in current yearUSD $ 1,828,643
Other expenses in previous yearUSD $ 1,810,756
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 1,523,184
Employee salary and benefits paid in previous yearUSD $ 1,434,802
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 3,723,548
Total revenue in previous fiscal yearUSD $ 3,819,882
Contributions and grants from current yearUSD $ 1,430,979
Contributions and grants from previous yearUSD $ 1,721,359
Total of other revenueUSD $ 22,631
2015-12-31
Total unrelated business incomeUSD $ 22,442
Net unrelated business incomeUSD $ -27,859
Program Service Revenue from prior yearUSD $ 1,898,459
Program Service Revenue from current yearUSD $ 1,987,683
Investment Income from prior yearUSD $ 147,323
Investment Income from current yearUSD $ 108,414
Other Revenue from prior yearUSD $ 2,845
Other Revenue from current yearUSD $ 2,426
Gross receipts from all sourcesUSD $ 3,819,882
Net assets / fund balances at end of fiscal yearUSD $ 4,635,370
Net assets / fund balances at beginning of fiscal yearUSD $ 4,061,046
Total liabilities at end of fiscal yearUSD $ 31,861,712
Total liabilities at beginning of fiscal yearUSD $ 33,624,761
Total assets at end of fiscal yearUSD $ 36,497,082
Total assets at beginning of fiscal yearUSD $ 37,685,807
Revenues less expenses for current yearUSD $ 574,324
Revenues less expenses for previous yearUSD $ 345,465
Total expenses for current yearUSD $ 3,245,558
Total expenses for previous yearUSD $ 2,787,145
Other expenses in current yearUSD $ 1,810,756
Other expenses in previous yearUSD $ 1,498,835
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 1,434,802
Employee salary and benefits paid in previous yearUSD $ 1,288,310
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 0
Grants and similar amounts paid in previous yearUSD $ 0
Total revenue in current fiscal yearUSD $ 3,819,882
Total revenue in previous fiscal yearUSD $ 3,132,610
Contributions and grants from current yearUSD $ 1,721,359
Contributions and grants from previous yearUSD $ 1,083,983
Total of other revenueUSD $ 2,426

Organization Addresses

The following addresses have been detected as associated with Tax Indentification Number 030321712

USA Location Address
PO BOX 67
WINOOSKI
VT
054040067
Date first seen: 2017-05-23
Date last seen: 2024-11-12
USA Location Address
25 WINOOSKI FALLS WAY STE 2
WINOOSKI
VT
054042243
Date first seen: 2016-07-22
Date last seen: 2016-07-22

Nearby companies/organizations

The following companies are located in the same ZIP code areas:

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