Vermont · Nonprofit
OPPORTUNITIES CREDIT UNION
OPPORTUNITIES CREDIT UNION (Vermont) receives grants from 2 organizations whose IRS filings report $331,258 to it, the largest being CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE ($281,258). 1 of them have funded it in more than one year.
- Revenue FY2025
- $1.6M
- Funders on record
- 2
- Grants received
- $331k
- Net assets
- $0
What Opportunities Credit Union does
Mission
To build wealth and create economic opportunity by bringing affordable capital and financial services to traditionally underserved populations
As stated on its FY2025 Form 990.
Program
On its FY2025 return the organization reported a significant change in how it conducts a program.
The credit union merged into green mountatin credit union effective july 17, 2025. This merger was approved by the boards of both credit unions and also by the membership of Opportunities Credit Union, as well as by relevant state and federal regulators. Green mountain assumed all assets and liabilities of opportunities, and all of opportunities' equity was transferred to green mountain. All opportunities members became green mountain members as of the merger date.
Its own explanation, from Schedule O of that return (Part III, line 3).
Opportunities Credit Union (the credit union) was focused on improving the financial stability of vermonters. Our diverse membership came from over 220 towns. Each member has their own unique story and financial goals. Our investors and partners are equally focused on having an impact in our target market. The credit union was a certified community development financial institution serving the state of vermont's moderate and low-income population with affordable capital and counseling-based financial services. These programmatic objectives will continue on a go-forward basis under the leadership of green mountain credit union, into which the credit union merged in july 2025.
The program described on its FY2025 Form 990.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2024 to 2025, from $64M to $0 (−100%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2017 23% · 2018 20% · 2019 19% · 2020 4% · 2021 10% · 2022 32% · 2023 19%. Grants only. Government contracts and fees sit inside program revenue.
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 2 of the last 9 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Robert Lake
Interim mananger or CEO
Board chair
Glen Von Bernewitz
Board chairperson
As listed on its FY2025 Form 990.
The chief executive listed changed between the FY2024 and FY2025 filings.
Who funds it, year by year
2020 → 2023: the base held at 1 funder, grant income rose $50k → $106k.
Left out of every figure on this page: $602k from one payer (the payer shares this organization's board, largest Opportunities Inc). These are real filings, and they are not money OPPORTUNITIES CREDIT UNION raised.
From the IRS filings of OPPORTUNITIES CREDIT UNION’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
OPPORTUNITIES CREDIT UNION leans on a few funders — its largest provides 85% of grant income and the top three 100%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
100% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund OPPORTUNITIES CREDIT UNION.
Largest funder’s share by year: 2020 100% · 2021 100% · 2022 100% · 2023 100% — broadly stable.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Where its funders are
OPPORTUNITIES CREDIT UNION draws 100% of its grant income from funders outside Vermont, across 2 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Government funding OPPORTUNITIES CREDIT UNION receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $3.1M on record.
- Department of the Treasury$3.1M
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like OPPORTUNITIES CREDIT UNION
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Vermont
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Governance
Footprint & structure
Files a return copy in 1 state
Part of a family of 2 related entities
- Opportunities Inc · exempt
- Opportunities Ventures Inc · exempt
Screen this organization
A dated, signed PDF of the compliance screen for OPPORTUNITIES CREDIT UNION: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds OPPORTUNITIES CREDIT UNION?
- OPPORTUNITIES CREDIT UNION (Vermont) receives grants from 2 organizations whose IRS filings report $331,258 to it, the largest being CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE ($281,258). 1 of them have funded it in more than one year.
- How many funders does OPPORTUNITIES CREDIT UNION have?
- IRS filings report 2 organizations giving $331,258 in grants to OPPORTUNITIES CREDIT UNION, 1 of which have funded it in more than one year.
- Who is the largest funder of OPPORTUNITIES CREDIT UNION?
- CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO DBA BALANCE is the largest funder on record, with $281,258 in grants. The full list of funders is on this page.
- How can an organization like OPPORTUNITIES CREDIT UNION find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Vermont. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 2 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing