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National Credit Union Service Organization

OPPORTUNITIES CREDIT UNION

Mar, 31, 2022 — OPPORTUNITIES CREDIT UNION is a federally insured state chartered credit union headquartered in WINOOSKI, VT with 2 branch locations and about $60.36 million in total assets. Opened 33 years ago in 1989, OPPORTUNITIES CREDIT UNION has about 5,641 members and employs 25 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 011692588
Name:OPPORTUNITIES CREDIT UNION
Address:
(Main Office)
25 Winooski Falls Way
WINOOSKI, VT 05404
Phone:(802) 865-3404
Fax:(802) 862-8971
Website:www.oppsvt.org
Branches:2 branch locations
Members:5,641
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, 2021
FHLB Member:Yes
Low Income Designation:No
Assets:$60,364,154
CEO/Manager:Kate Laud
Chairperson:Charlie Baker

Call Report

  • Credit Builder
  • First Time Homebuyer Program
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 15,140,903
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 31,677,800
 Unsecured Loans 1,234,922
 Other Loans 9,575,894
 TOTAL LOANS 42,488,616
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -319,555
 Land And Building 0
 Other Fixed Assets 122,283
 NCUSIF Deposit 333,188
 All Other Assets 0
  TOTAL ASSETS 60,364,154
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 4,645,480
 Accounts Payable & Other Liabilities 1,378,675
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 1,250,000
 Share Drafts 7,681,115
 Regular shares 13,050,104
 All Other Shares & Deposits 26,122,711
  TOTAL SHARES & DEPOSITS 46,853,930
  TOTAL LIABILITIES 54,128,085
 Regular Reserve 0
 Other Reserves 3,644,791
 Undivided Earnings 2,591,278
  TOTAL EQUITY 6,236,069
  TOTAL LIABILITIES, SHARES, & EQUITY 60,364,154
INCOME & EXPENSE  
 Loan Income 501,513
 Investment Income 11,065
 Other Income 96,592
 Total Employee Compensation & Benefits 453,007
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 473,922
 Non-operating Income & (Expense) 386,543
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 80,245
 Cost of Funds 78,469
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 12,342
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