Civic Intelligence

Association of Vermont Credit Unions Inc

EIN 03-0189525 • 501(c)6 • Colchester, VT

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Profile

Assisting vermont member credit unions in any way possible with improving their overall level of service to their members and consumers.

401 Water Tower Circle 203Colchester, VT 05446

www.vermontcreditunions.coop

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

45th percentile

0.12x

Higher debt load relative to assets than 45% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

88th percentile

0.64x

Higher debt load relative to revenue than 88% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Net Margin

19th percentile

-6.0%

Higher net margin than 19% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

73rd percentile

$214,105

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 32.9% of source-year revenue.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Asset Growth

44th percentile

3.7%

Faster asset growth than 44% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

33rd percentile

-0.1%

Faster revenue growth than 33% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$3,575,004

Up $127,142 (+3.7%) from 2023

Liabilities

Up

$417,698

Up $165,383 (+66%) from 2023

Net Assets

Down

$3,157,306

Down $38,241 (-1.2%) from 2023

Operations
Liabilities / Revenue88th percentileNet Margin19th percentile

Revenue

Down

$651,237

Down $908 (-0.1%) from 2023

Expenses

Up

$690,388

Up $84,672 (+14%) from 2023

Net Income

Down

-$39,151

Down $85,580 (-184%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth44th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $1,795,974Liabilities 2010: $79,261Net Assets 2010: $1,716,7132010Assets 2011: $1,991,094Liabilities 2011: $74,222Net Assets 2011: $1,916,8722011Assets 2012: $2,088,885Liabilities 2012: $55,263Net Assets 2012: $2,033,6222012Assets 2013: $2,226,714Liabilities 2013: $70,882Net Assets 2013: $2,155,8322013Assets 2014: $2,404,011Liabilities 2014: $66,954Net Assets 2014: $2,337,0572014Assets 2015: $2,564,196Liabilities 2015: $82,735Net Assets 2015: $2,481,4612015Assets 2016: $2,613,034Liabilities 2016: $87,952Net Assets 2016: $2,525,0822016Assets 2017: $2,661,348Liabilities 2017: $136,694Net Assets 2017: $2,524,6542017Assets 2018: $2,840,426Liabilities 2018: $124,871Net Assets 2018: $2,715,5552018Assets 2019: $2,901,053Liabilities 2019: $106,216Net Assets 2019: $2,794,8372019Assets 2020: $3,320,328Liabilities 2020: $457,207Net Assets 2020: $2,863,1212020Assets 2021: $3,178,247Liabilities 2021: $157,784Net Assets 2021: $3,020,4632021Assets 2022: $3,292,350Liabilities 2022: $144,491Net Assets 2022: $3,147,8592022Assets 2023: $3,447,862Liabilities 2023: $252,315Net Assets 2023: $3,195,5472023Assets 2024: $3,575,004Liabilities 2024: $417,698Net Assets 2024: $3,157,3062024

Highlighted filing

2024

Assets$3,575,004
Liabilities$417,698
Net Assets$3,157,306
Open 2024 Filing

Operations Trend

Revenue Growth33rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $563,5612010Expenses 2011: $520,5982011Expenses 2012: $578,7592012Revenue 2013: $728,914Expenses 2013: $606,704Net Income 2013: $122,2102013Revenue 2014: $729,230Expenses 2014: $548,005Net Income 2014: $181,2252014Revenue 2015: $720,447Expenses 2015: $576,043Net Income 2015: $144,4042015Revenue 2016: $636,267Expenses 2016: $592,646Net Income 2016: $43,6212016Revenue 2017: $668,944Expenses 2017: $669,372Net Income 2017: -$4282017Revenue 2018: $853,321Expenses 2018: $662,420Net Income 2018: $190,9012018Revenue 2019: $730,956Expenses 2019: $651,674Net Income 2019: $79,2822019Revenue 2020: $620,208Expenses 2020: $551,924Net Income 2020: $68,2842020Revenue 2021: $630,564Expenses 2021: $473,222Net Income 2021: $157,3422021Revenue 2022: $895,464Expenses 2022: $767,372Net Income 2022: $128,0922022Revenue 2023: $652,145Expenses 2023: $605,716Net Income 2023: $46,4292023Revenue 2024: $651,237Expenses 2024: $690,388Net Income 2024: -$39,1512024

Highlighted filing

2024

Revenue$651,237
Expenses$690,388
Net Income-$39,151
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,575,004
Liabilities
$417,698
Net assets
$3,157,306
Revenue
$651,237
Expenses
$690,388
Net income
-$39,151
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.58$0.42$3.16$0.65$0.69$0.04
2023Detailed filing. Detailed filing data is available for this year.$3.45$0.25$3.20$0.65$0.61$0.05
2022Detailed filing. Detailed filing data is available for this year.$3.29$0.14$3.15$0.90$0.77$0.13
2021Detailed filing. Detailed filing data is available for this year.$3.18$0.16$3.02$0.63$0.47$0.16
2020Detailed filing. Detailed filing data is available for this year.$3.32$0.46$2.86$0.62$0.55$0.07
2019Detailed filing. Detailed filing data is available for this year.$2.90$0.11$2.79$0.73$0.65$0.08
2018Detailed filing. Detailed filing data is available for this year.$2.84$0.12$2.72$0.85$0.66$0.19
2017Detailed filing. Detailed filing data is available for this year.$2.66$0.14$2.52$0.67$0.67$0.00
2016Detailed filing. Detailed filing data is available for this year.$2.61$0.09$2.53$0.64$0.59$0.04
2015Detailed filing. Detailed filing data is available for this year.$2.56$0.08$2.48$0.72$0.58$0.14
2014Detailed filing. Detailed filing data is available for this year.$2.40$0.07$2.34$0.73$0.55$0.18
2013Detailed filing. Detailed filing data is available for this year.$2.23$0.07$2.16$0.73$0.61$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.09$0.06$2.03$0.58
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.99$0.07$1.92$0.52
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.80$0.08$1.72$0.56
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)6 • $1M-$5M nonprofits