OPPORTUNITIES CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.oppsvt.org for more information.
Sep, 30, 2025 — OPPORTUNITIES CREDIT UNION is a federally insured state chartered credit union headquartered in Winooski, VT with 2 branch locations and about $60.35 million in total assets. Opened 37 years ago in 1989, OPPORTUNITIES CREDIT UNION has about 5,737 members and employs 18 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | OPPORTUNITIES CREDIT UNION |
|---|---|
| Address: (Main Office) | PO Box 67 Winooski, VT 05404 |
| Phone: | (802) 865-3404 |
| Fax: | (802) 862-8971 |
| Website: | https://www.oppsvt.org |
| Branches: | 2 branch locations |
| Members: | 5,737 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67251 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1989 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $60,345,434 |
| CEO/Manager: | Robert J Lake |
| Chairperson: | Glenn Von Bernewitz |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 8,551,228 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 175,500 |
| Real Estate Loans | 39,596,777 |
| Unsecured Loans | 410,141 |
| Other Loans | 8,867,654 |
| TOTAL LOANS | 51,336,123 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -680,318 |
| Land And Building | 0 |
| Other Fixed Assets | 139,138 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 271,801 |
| All Other Assets | 0 |
| TOTAL ASSETS | 60,345,434 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 5,084,180 |
| Accounts Payable & Other Liabilities | 703,907 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 750,000 |
| Share Drafts | 7,774,810 |
| Regular shares | 13,386,128 |
| All Other Shares & Deposits | 26,688,435 |
| TOTAL SHARES & DEPOSITS | 47,708,993 |
| TOTAL LIABILITIES | 54,894,565 |
| Regular Reserve | 0 |
| Other Reserves | 3,644,623 |
| Undivided Earnings | 2,600,067 |
| TOTAL EQUITY | 6,244,690 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 60,512,606 |
| INCOME & EXPENSE | |
| Loan Income | 1,289,609 |
| Investment Income | 125,585 |
| Other Income | 91,170 |
| Total Employee Compensation & Benefits | 750,300 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,369,611 |
| Non-operating Income & (Expense) | -19,922 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 200,299 |
| Cost of Funds | 495,173 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -500,426 |
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