Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on the latest valid filing.
Opportunities Credit Union
EIN 03-0321712 • 501(c)14 • Winooski, VT
Profile
To build wealth and create economic opportunity by bringing affordable capital and financial services to traditionally underserved populations.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
No value available
Liabilities / Revenue
26th percentile
Tied with the lowest-debt nonprofits in its peer group.
Net Margin
19th percentile
Higher net margin than 19% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
24th percentile
Faster asset growth than 24% of similar nonprofits.
Revenue Growth
6th percentile
Faster revenue growth than 6% of similar nonprofits.
Balance Sheet
Assets
Down$0
Down $64,141,500 (-100%) from 2024
Liabilities
Down$0
Down $57,937,007 (-100%) from 2024
Net Assets
Down$0
Down $6,204,493 (-100%) from 2024
Revenue
Down$1,647,308
Down $2,889,782 (-64%) from 2024
Expenses
Down$2,147,740
Down $2,699,495 (-56%) from 2024
Net Income
Down-$500,432
Down $190,287 (-61%) from 2024
Trend Graphs
Filings
Most recent year
2025 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $0
- Liabilities
- $0
- Net assets
- $0
- Revenue
- $1,647,308
- Expenses
- $2,147,740
- Net income
- -$500,432
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2025 to Jul 17, 2025
- Signed
- Feb 1, 2026
- Return Version
- 2025v4.0
- Gross Receipts
- $1,647,308
Mission and Program Overview
Mission
Opportunities credit union's mission is to build wealth, community, and opportunity through a fair and affordable financial system.
To build wealth, community, and opportunity through a fair and affordable financial system
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $53,962,058 | $0 | ▼ $53,962,058 |
| Rtn Earn Endowment Incm Other Fnds | $6,204,493 | $0 | ▼ $6,204,493 |
| Savings and Temporary Cash Investments | $5,814,430 | $0 | ▼ $5,814,430 |
| Investments Other Securities | $2,533,865 | $0 | ▼ $2,533,865 |
| Cash and Non-Interest-Bearing Accounts | $439,269 | $0 | ▼ $439,269 |
| Accounts Receivable | $142,057 | $0 | ▼ $142,057 |
| Land, Buildings, and Equipment, Net | $96,777 | $0 | ▼ $96,777 |
| Pledges and Grants Receivable | - | $0 | - |
| Receivable From Disqualified Prsn | - | $0 | - |
| Receivables From Officers Etc | - | $0 | - |
| Investments Program Related | - | $0 | - |
| Investments in Publicly Traded Securities | - | $0 | - |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Intangible Assets | - | $0 | - |
| Inventories for Sale or Use | - | $0 | - |
| Prepaid Expenses and Deferred Charges | - | $0 | - |
| Total Assets | $64,141,500 | $0 | ▼ $64,141,500 |
| Other Assets Total | $1,153,044 | $0 | ▼ $1,153,044 |
| Liabilities | |||
| Other Liabilities | $49,470,902 | $0 | ▼ $49,470,902 |
| Unsecured Notes Loans Payable | $6,267,655 | $0 | ▼ $6,267,655 |
| Escrow Account Liability | $1,779,543 | $0 | ▼ $1,779,543 |
| Deferred Revenue | $381,627 | $0 | ▼ $381,627 |
| Accounts Payable and Accrued Expenses | $37,280 | $0 | ▼ $37,280 |
| Total Liabilities | $57,937,007 | $0 | ▼ $57,937,007 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $6,204,493 | $0 | ▼ $6,204,493 |
| Total Liabilities and Net Assets / Fund Balance | $64,141,500 | $0 | ▼ $64,141,500 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Erin Metivier | CFO | FT | $61,749 | $6,160 | $67,909 |
Board Members and Trustees
| Name | Title |
|---|---|
| Glen Von Bernewitz | Board Chairperson |
| Matthew Johnson | Supervisory Committee Chairperson |
| Leigh Cole | Board Vice Chairperson |
| Gary Eley | Board Member |
| Terry Field | Board Member |
| Van Dora Williams | Board Member |
| Yacouba Jacob Bogre | Board Member |
| Tim George | Board Secretary, Board Treasurer, |
| Robert Lake | Interim Mananger or CEO |
| Sean Gilligan | Supervisory Committe Member |
| Matthew Cropp | Supervisory Committee Member |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,521,723
- Investment Income
- $125,585
- Other Revenue
- $0
- Change in Net Assets
- $-500,432
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $1,397,439 |
| Salaries, Compensation, and Employee Benefits | $750,301 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $548,969 |
| Information Technology | - | - | - | $145,647 |
| Office Expenses | - | - | - | $133,926 |
| Occupancy | - | - | - | $80,943 |
| Other Employee Benefits | - | - | - | $76,193 |
| Fees for Services Other | - | - | - | $76,054 |
| Interest | - | - | - | $70,350 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $61,749 |
| All Other Expenses | - | - | - | $56,389 |
| Payroll Taxes | - | - | - | $47,702 |
| Fees for Services Accounting | - | - | - | $42,279 |
| Other Expenses | - | - | - | $32,795 |
| Depreciation Depletion | - | - | - | $24,201 |
| Insurance | - | - | - | $17,549 |
| Pension Plan Contributions | - | - | - | $15,688 |
| Advertising | - | - | - | $14,906 |
| Fees for Services Legal | - | - | - | $11,334 |
| Travel | - | - | - | $673 |
| Conferences and Meetings | - | - | - | $402 |
| Total Functional Expenses | $0 | $0 | $0 | $2,147,740 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Disqualified Persons | - | $0 | - |
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $0 | - |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Backup withholding compliance
- Yes
- 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
- Yes
- Other officer compensation reviewed
- No
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- No
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“Opportunities credit union had members as specified by its bylaws. All members became members of green mountain credit union on the merger date.”
Form 990, Part VI, Section A, Line 7A
“Opportunities credit union members elected the board of directors at the annual meeting. However, opportunities' board was dissolved as of the merger date (july 17, 2025) and green mountain credit union's board is the governing body for the merged entity going forward.”
Form 990, Part VI, Section B, Line 11B
“Green mountain credit union's chief executive officer and the chief financial officer reviewed opportunities credit union's form 990 for accuracy and completeness. Any questions were addressed and resolved with the independent accounting firm preparing the form 990 prior to filing the form 990 with the internal revenue service. Management provides a complete copy of the form 990 to green mountain's governing board prior to filing the form 990 with the internal revenue service.”
Form 990, Part VI, Section B, Line 12C
“The board of directors reviewed the conflict of interest policy which was updated as necessary, or at least annually. Each board member and member of senior management signed off that they read and understood the policy. Any conflicts of interest were identified and reviewed by the board. Board discussion and any required approvals were handled annually at the board meeting after the disclosures have been received. The board w vould vote on any items that require board approval excluding members who are party to the disclosed area. Should the issue not be resolved in this manner, the governance committee and the chief executive officer would take appropriate action to address any other conflicts.”
Form 990, Part VI, Section B, Line 15A
“During this period from january 1, 2025 through july 17, 2025, the credit union engaged with green mountain credit union and named green mountain's ceo as the credit union's ceo on an interim basis. This was done in antiicipation of the merger between these 2 credit unions, and that merger was ultimately consumated in july 2025. Because of this arrangement, the credit union did not have a role in determining the compensation of its interim ceo during 2025; that compensation was determined by green mountain credit union's board.”
Form 990, Part VI, Section C, Line 19
“The organization makes its governing documents, conflict of interest policy, and audited financial statements available to the public upon request in the same time and manner as other disclosures required under internal revenue code.”
Filing and Contact Details
Filer
- Filer Name
- Opportunities Credit Union
- EIN
- 03-0321712
- Phone
- 8026544540
- Address
- 25 WINOOSKI FALLS WAY 203, WINOOSKI, VT 05404-0067
Signing Officer
- Name
- Erin Metivier
- Title
- CFO
- Phone
- 8026544540
- Signed
- 2026-02-01
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Erin Metivier
- Formed
- 1989
- Legal Domicile
- Vt
- Voting Board Members
- 10
- Independent Board Members
- 10
- Employees
- 30
- Volunteers
- 10
Preparer
- Firm
- Bonadio & Co Llp
- Address
- 171 SULLYS TRAIL, PITTSFORD, NY 14534
- Preparer
- Jeffrey Paille
- Phone
- 5853811000
Supplemental Narrative
Additional Explanations
Form 990, Part III, Line 3
“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.”
FORM 990, PART XI, LINE 9:
“Transfer of net equity to green mountain credit union in merger -5,618,041.”
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| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 125585 |
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| IRS990/CYProgramServiceRevenueAmt | 0 | 1521723 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -500432 |
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| IRS990/CYTotalExpensesAmt | 0 | 2147740 |
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| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1647308 |
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| IRS990/Desc | 0 | 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. |
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| IRS990/EmployeeCnt | 0 | 30 |
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| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | SUPERVISORY COMMITTEE CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | INTERIM MANANGER OR CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1989 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 10 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 1647308 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 10 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 145647 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 17549 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 70350 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 125585 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 125585 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 2533865 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 483 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 0 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 96777 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 0 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 0 |
| IRS990/LegalDomicileStateCd | 0 | VT |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | TO BUILD WEALTH AND CREATE ECONOMIC OPPORTUNITY BY BRINGING AFFORDABLE CAPITAL AND FINANCIAL SERVICES TO TRADITIONALLY UNDERSERVED POPULATIONS |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 6204493 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -86020 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 80943 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 133926 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1153044 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 0 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -5618041 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 76193 |
| IRS990/OtherExpensesGrp/Desc | 0 | DIVIDENDS PAID |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR CREDIT LO |
| IRS990/OtherExpensesGrp/Desc | 2 | MISCELLANEOUS |
| IRS990/OtherExpensesGrp/Desc | 3 | FEES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 456167 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 140427 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 93397 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 32795 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 49470902 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 548969 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 53962058 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 0 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 47702 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 15688 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | ERIN METIVIER |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | LOAN SERVICING INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1289609 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 132331 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 94186 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1289609 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 137928 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 94186 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 5597 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 831634 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 293423 |
| IRS990/PYOtherExpensesAmt | 0 | 2755092 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 3412033 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -310145 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2092143 |
| IRS990/PYTotalExpensesAmt | 0 | 4847235 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 4537090 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -500432 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 1 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 1 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 0 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 0 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 6204493 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 0 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 5814430 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 0 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 0 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990ScheduleN/AssetsDistributedInd | 0 | 1 |
| IRS990ScheduleN/AttorneyGeneralNotifiedInd | 0 | 1 |
| IRS990ScheduleN/BondsOutstandingInd | 0 | 0 |
| IRS990ScheduleN/DirectorOfSuccessorInd | 0 | 0 |
| IRS990ScheduleN/EmployeeOfSuccessorInd | 0 | 1 |
| IRS990ScheduleN/LiabilitiesPaidInd | 0 | 1 |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc | 0 | TOTAL ASSETS |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc | 1 | TOTAL LIABILITIES |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt | 0 | GREEN MOUNTAIN CREDIT UNION |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt | 1 | GREEN MOUNTAIN CREDIT UNION |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt | 0 | 2025-07-17 |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt | 1 | 2025-07-17 |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN | 0 | 030213165 |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN | 1 | 030213165 |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt | 0 | 60512606 |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt | 1 | 54894565 |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt | 0 | 501(C)(14) |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt | 1 | 501(C)(14) |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt | 0 | FULL BOOK VALUE OF ALL ASSETS TRANSFERRED TO GREEN MOUNTAIN CREDIT UNION UNDER THE TERMS OF AN APPROVED MERGER AGREEMENT. |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt | 1 | FULL BOOK VALUE OF ALL LIABILITIES TRANSFERRED TO GREEN MOUNTAIN CREDIT UNION UNDER THE TERMS OF AN APPROVED MERGER AGREEMENT. |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt | 0 | 1250 SHELBURNE ROAD |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt | 1 | 1250 SHELBURNE ROAD |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm | 0 | SOUTH BURLINGTON |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm | 1 | SOUTH BURLINGTON |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd | 0 | VT |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd | 1 | VT |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd | 0 | 05403 |
| IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd | 1 | 05403 |
| IRS990ScheduleN/OwnerOfSuccessorInd | 0 | 0 |
| IRS990ScheduleN/ReceiveCompensationInd | 0 | 0 |
| IRS990ScheduleN/RequiredToNotifyAGInd | 0 | 1 |
| IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt | 0 | PERSON(S) INVOLVED: MANY OPPORTUNITIES' LEGACY EMPLOYEES WILL BECOME EMPLOYEES OF GREEN MOUNTAIN CREDIT UNION AS OF THE MERGER DATE. ERIN METIVIER, CFO, IS THE ONLY OFFICER OF OPPORTUNITIES WHO WILL BECOME AN EMPLOYEE OF GREEN MOUNTAIN. |
| IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt | 1 | EXPLANATION OF INVOLVEMENT: OPPORTUNITIES' LEGACY EMPLOYEES WILL CONTINUE IN MORE-OR-LESS THIER EXISTING ROLES INCLUDING TELLERS, MEMBER SERVICE REPRESENTATIVES, AND OTHER ROLES. ERIN METIVIER, WHO SERVED AS CFO AT OPPORTUNITIES, WILL NOT SERVE IN AN OFFICER ROLE AT GREEN MOUNTAIN POST-MERGER, BUT WILL BE A MEMBER OF THE ACCOUNTING AND MANAGEMENT TEAM. |
| IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt | 2 | THE MERGER, INCLUDING THE DISSOLUTION OF OPPORTUNITIES CREDIT UNION AS OF THE MERGER DATE, WAS APPROVED BY ALL APPLICABLE STATE AND FEDERAL REGULATORY BODIES, AS WELL AS THE BOARDS OF BOTH CREDIT UNIONS AND AN AFFIRMATIVE VOTE OF OPPORTUNITIES' MEMBERS. |
| IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt | 3 | THE ORGANIZATION MERGERED WITH GREEN MOUNTAIN CREDIT UNION AS OF 7/17/2025. PURSUANT TO THE MERGER, ALL ASSETS, LIABILITIES, AND OPERATIONS WERE TRANSFERRED TO GREEN MOUNTAIN. THEREFORE THE ORGANIZATION NO LONGER IS A SEPARETE ENTITY AND THE ENDING BALANCE SHEET REFLECTS ZERO ASSETS AND ZERO LIABILITIES. |
| IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 2E: |
| IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART I, LINE 2E: |
| IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | PART I, LINE 6C: |
| IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | SEE PART 5 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | OPPORTUNITIES CREDIT UNION HAD MEMBERS AS SPECIFIED BY ITS BYLAWS. ALL MEMBERS BECAME MEMBERS OF GREEN MOUNTAIN CREDIT UNION ON THE MERGER DATE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | OPPORTUNITIES CREDIT UNION MEMBERS ELECTED THE BOARD OF DIRECTORS AT THE ANNUAL MEETING. HOWEVER, OPPORTUNITIES' BOARD WAS DISSOLVED AS OF THE MERGER DATE (JULY 17, 2025) AND GREEN MOUNTAIN CREDIT UNION'S BOARD IS THE GOVERNING BODY FOR THE MERGED ENTITY GOING FORWARD. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | GREEN MOUNTAIN CREDIT UNION'S CHIEF EXECUTIVE OFFICER AND THE CHIEF FINANCIAL OFFICER REVIEWED OPPORTUNITIES CREDIT UNION'S FORM 990 FOR ACCURACY AND COMPLETENESS. ANY QUESTIONS WERE ADDRESSED AND RESOLVED WITH THE INDEPENDENT ACCOUNTING FIRM PREPARING THE FORM 990 PRIOR TO FILING THE FORM 990 WITH THE INTERNAL REVENUE SERVICE. MANAGEMENT PROVIDES A COMPLETE COPY OF THE FORM 990 TO GREEN MOUNTAIN'S GOVERNING BOARD PRIOR TO FILING THE FORM 990 WITH THE INTERNAL REVENUE SERVICE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE BOARD OF DIRECTORS REVIEWED THE CONFLICT OF INTEREST POLICY WHICH WAS UPDATED AS NECESSARY, OR AT LEAST ANNUALLY. EACH BOARD MEMBER AND MEMBER OF SENIOR MANAGEMENT SIGNED OFF THAT THEY READ AND UNDERSTOOD THE POLICY. ANY CONFLICTS OF INTEREST WERE IDENTIFIED AND REVIEWED BY THE BOARD. BOARD DISCUSSION AND ANY REQUIRED APPROVALS WERE HANDLED ANNUALLY AT THE BOARD MEETING AFTER THE DISCLOSURES HAVE BEEN RECEIVED. THE BOARD W VOULD VOTE ON ANY ITEMS THAT REQUIRE BOARD APPROVAL EXCLUDING MEMBERS WHO ARE PARTY TO THE DISCLOSED AREA. SHOULD THE ISSUE NOT BE RESOLVED IN THIS MANNER, THE GOVERNANCE COMMITTEE AND THE CHIEF EXECUTIVE OFFICER WOULD TAKE APPROPRIATE ACTION TO ADDRESS ANY OTHER CONFLICTS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | DURING THIS PERIOD FROM JANUARY 1, 2025 THROUGH JULY 17, 2025, THE CREDIT UNION ENGAGED WITH GREEN MOUNTAIN CREDIT UNION AND NAMED GREEN MOUNTAIN'S CEO AS THE CREDIT UNION'S CEO ON AN INTERIM BASIS. THIS WAS DONE IN ANTIICIPATION OF THE MERGER BETWEEN THESE 2 CREDIT UNIONS, AND THAT MERGER WAS ULTIMATELY CONSUMATED IN JULY 2025. BECAUSE OF THIS ARRANGEMENT, THE CREDIT UNION DID NOT HAVE A ROLE IN DETERMINING THE COMPENSATION OF ITS INTERIM CEO DURING 2025; THAT COMPENSATION WAS DETERMINED BY GREEN MOUNTAIN CREDIT UNION'S BOARD. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND AUDITED FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST IN THE SAME TIME AND MANNER AS OTHER DISCLOSURES REQUIRED UNDER INTERNAL REVENUE CODE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | TRANSFER OF NET EQUITY TO GREEN MOUNTAIN CREDIT UNION IN MERGER -5,618,041. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART III, LINE 3 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART XI, LINE 9: |
| IRS990ScheduleR/AssetExchangeInd | 0 | 0 |
| IRS990ScheduleR/AssetPurchaseFromOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/AssetSaleToOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/DivRelatedOrganizationInd | 0 | 0 |
| IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd | 0 | 0 |
| IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd | 0 | 0 |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd | 0 | 1 |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd | 1 | 1 |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt | 0 | OPPORTUNITIES CREDIT UNION |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt | 1 | OPPORTUNITIES INC |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt | 0 | OPPORTUNITIES INC |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt | 1 | OPPORTUNITIES VENTURES INC |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN | 0 | 043586239 |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN | 1 | 043586244 |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt | 0 | 501(C)(3) |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt | 1 | 501(C)(3) |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd | 0 | VT |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd | 1 | VT |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt | 0 | PROVIDE AFFORDABLE CAPITAL & FINANCIAL SERVICES TO UNDERSERVED. |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt | 1 | PROVIDES REVOLVING LOANS TO QUALIFIED INDIVIDUALS FOR VARIOUS PURPOSES. |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt | 0 | LINE 7 |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt | 1 | LINE 10 |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt | 0 | 25 WINOOSKI FALLS WAY |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt | 1 | 25 WINOOSKI FALLS WAY |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm | 0 | WINOOSKI |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm | 1 | WINOOSKI |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd | 0 | VT |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd | 1 | VT |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd | 0 | 05404 |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd | 1 | 05404 |
| IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd | 0 | 0 |
| IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/PaidEmployeesSharingInd | 0 | 1 |
| IRS990ScheduleR/PerformOfServicesByOtherOrgInd | 0 | 0 |
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