Civic Intelligence

Orlex Government Employees Credit Union

EIN 03-0211553 • 501(c)14 • Newport, VT

Profile

To provide thrift savings and borrowing to our members and to provide other financial services

5043 US Route 5Newport, VT 05855

www.orlex.com

Siviq Scores

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

Liabilities / Assets

78th percentile

0.89x

Higher debt load relative to assets than 78% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

36th percentile

12.54x

Higher debt load relative to revenue than 36% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Net Margin

54th percentile

4.2%

Higher net margin than 54% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

86th percentile

$111,454

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 23.3% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Asset Growth

36th percentile

-4.0%

Faster asset growth than 36% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

24th percentile

-5.0%

Faster revenue growth than 24% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Assets

Down

$6,699,729

Down $280,952 (-4.0%) from 2024

Liabilities

Down

$5,990,685

Down $300,956 (-4.8%) from 2024

Net Assets

Up

$709,044

Up $20,004 (+2.9%) from 2024

Revenue

Down

$477,627

Down $25,252 (-5.0%) from 2024

Expenses

Down

$457,623

Down $94,148 (-17%) from 2024

Net Income

Up

$20,004

Up $68,896 (+141%) from 2024

Trend Graphs

Balance Sheet Trend

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2011: $5,588,207Liabilities 2011: $5,142,003Net Assets 2011: $446,2032011Assets 2012: $5,344,610Liabilities 2012: $4,882,708Net Assets 2012: $461,9012012Assets 2013: $5,523,355Liabilities 2013: $5,050,334Net Assets 2013: $473,0202013Assets 2014: $5,565,052Liabilities 2014: $5,090,824Net Assets 2014: $474,2272014Assets 2015: $5,811,153Liabilities 2015: $5,316,573Net Assets 2015: $494,5792015Assets 2016: $5,726,801Liabilities 2016: $5,216,965Net Assets 2016: $509,8352016Assets 2017: $5,719,445Liabilities 2017: $5,192,881Net Assets 2017: $526,5642017Assets 2018: $5,682,508Liabilities 2018: $5,090,359Net Assets 2018: $592,1482018Assets 2019: $6,154,022Liabilities 2019: $5,497,153Net Assets 2019: $656,8692019Assets 2020: $7,436,067Liabilities 2020: $6,742,581Net Assets 2020: $693,4862020Assets 2021: $7,679,547Liabilities 2021: $6,928,622Net Assets 2021: $750,9252021Assets 2022: $7,364,536Liabilities 2022: $6,590,850Net Assets 2022: $773,6862022Assets 2023: $7,407,292Liabilities 2023: $6,669,360Net Assets 2023: $737,9322023Assets 2024: $6,980,681Liabilities 2024: $6,291,641Net Assets 2024: $689,0402024Assets 2025: $6,699,729Liabilities 2025: $5,990,685Net Assets 2025: $709,0442025

Highlighted filing

2025

Assets$6,699,729
Liabilities$5,990,685
Net Assets$709,044

Operations Trend

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

$600K$400K$200K$0-$200KRevenue 2011: $355,396Expenses 2011: $354,431Net Income 2011: $9652011Revenue 2012: $359,334Expenses 2012: $331,468Net Income 2012: $27,8662012Revenue 2013: $328,394Expenses 2013: $317,275Net Income 2013: $11,1192013Revenue 2014: $319,930Expenses 2014: $320,509Net Income 2014: -$5792014Revenue 2015: $332,690Expenses 2015: $314,443Net Income 2015: $18,2472015Revenue 2016: $326,144Expenses 2016: $315,350Net Income 2016: $10,7942016Revenue 2017: $342,789Expenses 2017: $326,061Net Income 2017: $16,7282017Revenue 2018: $409,764Expenses 2018: $344,179Net Income 2018: $65,5852018Revenue 2019: $447,395Expenses 2019: $382,676Net Income 2019: $64,7192019Revenue 2020: $441,412Expenses 2020: $404,795Net Income 2020: $36,6172020Revenue 2021: $422,432Expenses 2021: $364,992Net Income 2021: $57,4402021Revenue 2022: $407,749Expenses 2022: $384,987Net Income 2022: $22,7622022Revenue 2023: $460,575Expenses 2023: $496,331Net Income 2023: -$35,7562023Revenue 2024: $502,879Expenses 2024: $551,771Net Income 2024: -$48,8922024Revenue 2025: $477,627Expenses 2025: $457,623Net Income 2025: $20,0042025

Highlighted filing

2025

Revenue$477,627
Expenses$457,623
Net Income$20,004

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$6.70$5.99$0.71$0.48$0.46$0.02
2024Detailed filing. Detailed filing data is available for this year.$6.98$6.29$0.69$0.50$0.55$0.05
2023Detailed filing. Detailed filing data is available for this year.$7.41$6.67$0.74$0.46$0.50$0.04
2022Detailed filing. Detailed filing data is available for this year.$7.36$6.59$0.77$0.41$0.38$0.02
2021Detailed filing. Detailed filing data is available for this year.$7.68$6.93$0.75$0.42$0.36$0.06
2020Detailed filing. Detailed filing data is available for this year.$7.44$6.74$0.69$0.44$0.40$0.04
2019Detailed filing. Detailed filing data is available for this year.$6.15$5.50$0.66$0.45$0.38$0.06
2018Summary only. Only limited summary data is available for this year.$5.68$5.09$0.59$0.41$0.34$0.07
2017Summary only. Only limited summary data is available for this year.$5.72$5.19$0.53$0.34$0.33$0.02
2016Summary only. Only limited summary data is available for this year.$5.73$5.22$0.51$0.33$0.32$0.01
2015Summary only. Only limited summary data is available for this year.$5.81$5.32$0.49$0.33$0.31$0.02
2014Summary only. Only limited summary data is available for this year.$5.57$5.09$0.47$0.32$0.32$0.00
2013Summary only. Only limited summary data is available for this year.$5.52$5.05$0.47$0.33$0.32$0.01
2012Summary only. Only limited summary data is available for this year.$5.34$4.88$0.46$0.36$0.33$0.03
2011Summary only. Only limited summary data is available for this year.$5.59$5.14$0.45$0.36$0.35$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 19, 2026
Return Version
2025v4.0
Gross Receipts
$477,627
Mission and Program Overview

Mission

To provide thrift savings and borrowing to our members and to provide other financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$5,717,308$5,088,969▼ $628,339
Savings and Temporary Cash Investments$992,132$1,350,867▲ $358,735
Rtn Earn Endowment Incm Other Fnds$689,040$709,044▲ $20,004
Cash and Non-Interest-Bearing Accounts$155,706$142,026▼ $13,680
Land, Buildings, and Equipment, Net$13,766$24,918▲ $11,152
Prepaid Expenses and Deferred Charges$24,220$22,651▼ $1,569
Total Assets$6,980,681$6,699,729▼ $280,952
Other Assets Total$77,549$70,298▼ $7,251
Liabilities
Other Liabilities$6,223,077$5,940,770▼ $282,307
Accounts Payable and Accrued Expenses$68,564$49,915▼ $18,649
Total Liabilities$6,291,641$5,990,685▼ $300,956
Net Assets / Fund Balance
Total Net Assets Fund Balance$689,040$709,044▲ $20,004
Total Liabilities and Net Assets / Fund Balance$6,980,681$6,699,729▼ $280,952

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$24,918$18,212-
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Judy JenneCeomanagerFT$100,535$10,919$111,454

Board Members and Trustees

NameTitle
Jennie a DionPresident
Muriel BrownVice President
Donald HowellDirector
Mary Frances TrowDirector
Pauline GageDirector
Leighann ChampneyAssistant Manager
Karen CamberClerk
Suzanne FortinSecretary
John WildaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$451,971
Investment Income
$23,417
Other Revenue
$2,239
Change in Net Assets
$20,004
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$228,737
Other Expenses$165,681
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$194,225
Benefits to Members---$63,205
Office Expenses---$38,456
Occupancy---$19,409
Payroll Taxes---$16,006
Information Technology---$13,768
Other Employee Benefits---$12,708
Insurance---$8,876
Pension Plan Contributions---$5,798
Depreciation Depletion---$5,073
Payments to Affiliates---$4,402
Advertising---$2,501
Travel---$2,200
Conferences and Meetings---$1,558
Fees for Services Legal---$135
Other Expenses---$-12,100
Total Functional Expenses$0$0$0$457,623
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$5,938,703
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI Line 6

Members join under eligibility requirements as outlined in the

Part VI Line 6

CREDIT UNION'S BYLAWS

Part VI Line 7A

Members hold a share of the credit union and have the right to

Part VI Line 7A

Elect members of the board under the credit union's bylaws

Part VI Line 7B

Members vote on the limits of borrowing power granted to the board

Part VI Line 8B

Manager prepares minutes of meeting, secretary approves minutes

Part VI Line 8B

And board accepts as official minutes at next regular board meeting

Part VI Line 11B

The board of directors reviews form 990 at its regular meeting

Part VI Line 11B

Prior to the filing. The review is recorded in the meeting minutes

Part VI Line 12C

The conflict of interest policy is monitored periodically by the

Part VI Line 12C

Board of directors and supervisory committee

Part VI Line 19

Documents are made available to the public by providing copies

Part VI Line 19

Upon request and by posting documents in the lobby

Filing and Contact Details

Filer

Filer Name
Orlex Government Employees Credit Union
EIN
03-0211553
In Care Of
% Judy Jenne
Phone
8023345084
Address
5043 US ROUTE 5, NEWPORT, VT 05855

Signing Officer

Name
Judy Jenne
Title
CEO
Phone
8023345084
Signed
2026-03-19

Organization Details

Principal Officer
Jennie Dion
Formed
1953
Legal Domicile
Vt
Voting Board Members
7
Independent Board Members
7
Employees
3
Volunteers
7
Raw XML Appendix371 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01887
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1352
IRS990/OtherRevenueTotalAmt02239
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt05717308
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt05088969
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt04402
IRS990/PayrollTaxesGrp/TotalAmt016006
IRS990/PensionPlanContributionsGrp/TotalAmt05798
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt024220
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt022651
IRS990/PrincipalOfficerNm0JENNIE DION
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1PROGRAM SERVICE FEES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER PROGRAM SVC FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0416947
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt133797
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21227
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0416947
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt133797
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21227
IRS990/ProgSrvcAccomActy2Grp/Desc0CHECKING ACCOUNTS: 383, SINCE NOVEMBER 1998 WITH284 ACTIVE DEBIT CARDS TOTAL AMOUNT IN THESE ACCOUNTS: $1,233,361.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0103245
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt028947
IRS990/PYOtherExpensesAmt0220429
IRS990/PYOtherRevenueAmt02520
IRS990/PYProgramServiceRevenueAmt0471412
IRS990/PYRevenuesLessExpensesAmt0-48892
IRS990/PYSalariesCompEmpBnftPaidAmt0228097
IRS990/PYTotalExpensesAmt0551771
IRS990/PYTotalRevenueAmt0502879
IRS990/ReconcilationRevenueExpnssAmt020004
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0689040
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0709044
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IRS990ScheduleD/EquipmentGrp/BookValueAmt024918
IRS990ScheduleD/EquipmentGrp/DepreciationAmt018212
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt043130
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt02067
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt05938703
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt024918
IRS990ScheduleD/TotalLiabilityAmt05940770
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS JOIN UNDER ELIGIBILITY REQUIREMENTS AS OUTLINED IN THE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION'S BYLAWS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS HOLD A SHARE OF THE CREDIT UNION AND HAVE THE RIGHT TO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ELECT MEMBERS OF THE BOARD UNDER THE CREDIT UNION'S BYLAWS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MEMBERS VOTE ON THE LIMITS OF BORROWING POWER GRANTED TO THE BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MANAGER PREPARES MINUTES OF MEETING, SECRETARY APPROVES MINUTES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6AND BOARD ACCEPTS AS OFFICIAL MINUTES AT NEXT REGULAR BOARD MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS REVIEWS FORM 990 AT ITS REGULAR MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8PRIOR TO THE FILING. THE REVIEW IS RECORDED IN THE MEETING MINUTES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9THE CONFLICT OF INTEREST POLICY IS MONITORED PERIODICALLY BY THE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC BY PROVIDING COPIES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12UPON REQUEST AND BY POSTING DOCUMENTS IN THE LOBBY
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part VI Line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Part VI Line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Part VI Line 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt06980681
IRS990/TotalAssetsEOYAmt06699729
IRS990/TotalAssetsGrp/BOYAmt06980681
IRS990/TotalAssetsGrp/EOYAmt06699729
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0457623
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06291641
IRS990/TotalLiabilitiesEOYAmt05990685
IRS990/TotalLiabilitiesGrp/BOYAmt06291641
IRS990/TotalLiabilitiesGrp/EOYAmt05990685
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0689040
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0709044
IRS990/TotalOtherCompensationAmt010919
IRS990/TotalProgramServiceRevenueAmt0451971
IRS990/TotalReportableCompFromOrgAmt0100535
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0477627
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0477627
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06980681
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06699729
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt02200
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0527 Young Rd
IRS990/USAddress/CityNm0Irasburg
IRS990/USAddress/StateAbbreviationCd0VT
IRS990/USAddress/ZIPCd005845
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.orlex.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JUDY JENNE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08023345084
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ORLEX GOVERNMENT EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ORLE
ReturnHeader/Filer/EIN0030211553
ReturnHeader/Filer/InCareOfNm0% Judy Jenne
ReturnHeader/Filer/PhoneNum08023345084
ReturnHeader/Filer/USAddress/AddressLine1Txt05043 US ROUTE 5
ReturnHeader/Filer/USAddress/CityNm0NEWPORT
ReturnHeader/Filer/USAddress/StateAbbreviationCd0VT
ReturnHeader/Filer/USAddress/ZIPCd005855
ReturnHeader/ReturnTs02026-03-19T10:36:45-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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