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National Credit Union Service Organization

OPPORTUNITIES CREDIT UNION

Jun, 30, 2021 — OPPORTUNITIES CREDIT UNION is a federally insured state chartered credit union headquartered in WINOOSKI, VT with 2 branch locations and about $58.87 million in total assets. Opened 32 years ago in 1989, OPPORTUNITIES CREDIT UNION has about 6,022 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)
PO BOX 67
WINOOSKI, VT 05404
Phone:(802) 865-3404
Fax:(802) 862-8971
Website:www.oppsvt.org
Branches:2 branch locations
Members:6,022
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, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$58,870,526
CEO/Manager:Kate Laud
Chairperson:Charlie Baker

Call Report

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

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 15,287,142
TOTAL INVESTMENTS 2,065,710
Loans Held for Sale 215,000
 
 Real Estate Loans 28,409,719
 Unsecured Loans 3,410,522
 Other Loans 8,629,219
 TOTAL LOANS 40,449,460
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -374,504
 Land And Building 0
 Other Fixed Assets 9,716
 NCUSIF Deposit 301,610
 All Other Assets 916,392
  TOTAL ASSETS 58,870,526
LIABILITIES & CAPITAL:  
 Dividends Payable 552
 Notes & Interest Payable 4,795,480
 Accounts Payable & Other Liabilities 445,031
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 1,350,000
 Share Drafts 7,515,753
 Regular shares 11,919,714
 All Other Shares & Deposits 26,955,152
  TOTAL SHARES & DEPOSITS 46,390,619
  TOTAL LIABILITIES 52,981,682
 Regular Reserve 1,534,865
 Other Reserves 2,109,925
 Undivided Earnings 2,244,054
  TOTAL EQUITY 5,888,844
  TOTAL LIABILITIES, SHARES, & EQUITY 58,870,526
INCOME & EXPENSE  
 Loan Income 961,111
 Investment Income 20,838
 Other Income 612,522
 Total Employee Compensation & Benefits 904,891
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 573,552
 Non-operating Income & (Expense) 135,662
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 4,025
 Cost of Funds 217,080
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 274,593
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