Civic Intelligence

Opportunities Credit Union

990 • Fiscal year 2012 • EIN 03-0321712

Jan 01, 2012 to Dec 31, 2012 • Filed on Jul 15, 2013

Organization ProfileWWW.OPPSVT.ORG

View Organization Page

25 Winooski Falls Way05404-0067
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

89th percentile

0.92x

Higher debt load relative to assets than 89% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

94th percentile

11%

Faster asset growth than 94% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets89th percentile

Assets

Up

$36,176,828

Up $3,473,723 (+11%) from 2011

Net Assets

Up

$2,935,501

Up $638,209 (+28%) from 2011

Liabilities

Up

$33,241,327

Up $2,835,514 (+9.3%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$2,596,919

Up $62,485 (+2.5%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth94th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$80M$60M$40M$20M$0Assets 2010: $33,271,684Liabilities 2010: $31,046,350Net Assets 2010: $2,225,3342010Assets 2011: $32,703,105Liabilities 2011: $30,405,813Net Assets 2011: $2,297,2922011Assets 2012: $36,176,828Liabilities 2012: $33,241,327Net Assets 2012: $2,935,5012012Assets 2013: $34,338,303Liabilities 2013: $30,622,722Net Assets 2013: $3,715,5812013Assets 2014: $37,685,807Liabilities 2014: $33,624,761Net Assets 2014: $4,061,0462014Assets 2015: $36,497,082Liabilities 2015: $31,861,712Net Assets 2015: $4,635,3702015Assets 2016: $37,110,533Liabilities 2016: $32,103,442Net Assets 2016: $5,007,0912016Assets 2017: $36,958,672Liabilities 2017: $31,810,216Net Assets 2017: $5,148,4562017Assets 2018: $38,265,091Liabilities 2018: $32,744,123Net Assets 2018: $5,520,9682018Assets 2019: $43,417,963Liabilities 2019: $37,821,603Net Assets 2019: $5,596,3602019Assets 2020: $53,678,583Liabilities 2020: $48,064,330Net Assets 2020: $5,614,2532020Assets 2021: $59,732,951Liabilities 2021: $53,509,222Net Assets 2021: $6,223,7292021Assets 2022: $63,188,457Liabilities 2022: $56,961,629Net Assets 2022: $6,226,8282022Assets 2023: $65,716,416Liabilities 2023: $59,338,324Net Assets 2023: $6,378,0922023Assets 2024: $64,141,500Liabilities 2024: $57,937,007Net Assets 2024: $6,204,4932024Assets 2025: $0Liabilities 2025: $0Net Assets 2025: $02025

Highlighted filing

2012

Assets$36,176,828
Liabilities$33,241,327
Net Assets$2,935,501
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,659,0522010Expenses 2011: $2,534,4342011Expenses 2012: $2,596,9192012Revenue 2013: $3,196,567Expenses 2013: $2,807,931Net Income 2013: $388,6362013Revenue 2014: $3,132,610Expenses 2014: $2,787,145Net Income 2014: $345,4652014Revenue 2015: $3,819,882Expenses 2015: $3,245,558Net Income 2015: $574,3242015Revenue 2016: $3,723,548Expenses 2016: $3,351,827Net Income 2016: $371,7212016Revenue 2017: $3,009,150Expenses 2017: $2,867,785Net Income 2017: $141,3652017Revenue 2018: $3,292,847Expenses 2018: $2,920,334Net Income 2018: $372,5132018Revenue 2019: $3,362,082Expenses 2019: $3,286,690Net Income 2019: $75,3922019Revenue 2020: $3,370,505Expenses 2020: $3,352,612Net Income 2020: $17,8932020Revenue 2021: $3,891,692Expenses 2021: $3,282,216Net Income 2021: $609,4762021Revenue 2022: $4,637,677Expenses 2022: $4,512,898Net Income 2022: $124,7792022Revenue 2023: $4,515,877Expenses 2023: $4,426,983Net Income 2023: $88,8942023Revenue 2024: $4,537,090Expenses 2024: $4,847,235Net Income 2024: -$310,1452024Revenue 2025: $1,647,308Expenses 2025: $2,147,740Net Income 2025: -$500,4322025

Highlighted filing

2012

Revenue-
Expenses$2,596,919
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Jul 15, 2013
Return Version
2012v2.1
Gross Receipts
$3,780,819
Mission and Program Overview

Mission

To build wealth and create economic opportunity by bringing affordable capital and financial services to traditionally underserved populations

Filing and Contact Details

Filer

EIN
03-0321712
Raw XML AppendixShowing 400 of 444 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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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0MANAGEMENT ANNUALLY REVIEWS FOR UNCERTAIN TAX POSITIONS ALONG WITH ANY RELATED INTEREST AND PENALTIES AND BELIEVES THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT WOULD HAVE A MATERIAL ADVERSE EFFECT, INDIVIDUALLY OR IN THE AGGREGATE UPON THE CREDIT UNION'S STATEMENTS OF FINANCIAL CONDITION, OR THE RELATED STATEMENTS OF INCOME, OR CASH FLOWS.
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IRS990ScheduleO/GeneralExplanation/Explanation0DEPOSITORS QUALIFIYING UNDER THE CREDIT UNION'S FIELD OF MEMBERSHIP ARE CONSIDERED MEMBERS WITH VOTING RIGHTS FOR THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE ORGANIZATION HAS A BOARD OF DIRECTORS THAT MAY ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY.
IRS990ScheduleO/GeneralExplanation/Explanation2THE FORM 990 WILL BE REVIEWED BY THE CEO AND CFO BEFORE IT IS FILED.
IRS990ScheduleO/GeneralExplanation/Explanation3ANY CONFLICTS OF INTEREST WOULD BE BROUGHT TO THE SUPERVISORY COMMITTEE'S ATTENTION PER POLICY.
IRS990ScheduleO/GeneralExplanation/Explanation4THE EXECUTIVE COMMITTEE REVIEWS THE PRESIDENT'S SALARY YEARLY.
IRS990ScheduleO/GeneralExplanation/Explanation5THE ORGANIZATION MAKES THEIR GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
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IRS990ScheduleR/Form990ScheduleRPartII/PrimaryActivities0PROVIDE AFFORDABLE CAPITAL & FINANCIAL SERVICES TO UNDERSERVED.
IRS990ScheduleR/Form990ScheduleRPartII/PrimaryActivities1PROVIDES REVOLVING LOANS TO QUALIFIED INDIVIDUALS FOR VARIOUS PURPOSES.
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IRS990ScheduleR/TransactionsRelatedOrgsTable/NameOfOtherOrganization/BusinessNameLine10OPPORTUNITIES INC
IRS990ScheduleR/TransactionsRelatedOrgsTable/NameOfOtherOrganization/BusinessNameLine11OPPORTUNITIES VENTURES INC
IRS990ScheduleR/TransactionsRelatedOrgsTable/TransactionType0Q
IRS990ScheduleR/TransactionsRelatedOrgsTable/TransactionType1Q
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0VT
IRS990/StatesWhereCopyOfReturnIsFiled0VT
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1025 WINOOSKI FALLS WAY
IRS990/TheBooksAreInCareOf/AddressUS/City0WINOOSKI
IRS990/TheBooksAreInCareOf/AddressUS/State0VT
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode0054040067
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10CHERYL FATNASSI
IRS990/TheBooksAreInCareOf/TelephoneNumber08006544540
IRS990/TotalAssets/BOY032703105
IRS990/TotalAssetsBOY032703105
IRS990/TotalAssets/EOY036176828
IRS990/TotalAssetsEOY036176828
IRS990/TotalCompGT150K00
IRS990/TotalContributions0960455
IRS990/TotalExpensesCurrentYear02596919
IRS990/TotalExpensesPriorYear02534434
IRS990/TotalFunctionalExpenses/Total02596919
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
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IRS990/TotalLiabilitiesBOY030405813
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IRS990/TotalLiabilitiesEOY033241327
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IRS990/TotalLiabNetAssetsFundBalances/EOY036176828
IRS990/TotalNbrEmployees024
IRS990/TotalNbrVolunteers018
IRS990/TotalNetAssetsFundBalances/BOY02297292
IRS990/TotalNetAssetsFundBalances/EOY02935501
IRS990/TotalOtherCompensation05672
IRS990/TotalProfFundrsngExpCY00
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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$36,176,828
Liabilities
$33,241,327
Net assets
$2,935,501
Revenue
-
Expenses
$2,596,919
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.65$2.15$0.50
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$64.1$57.9$6.20$4.54$4.85$0.31
2023Detailed filing. Detailed filing data is available for this year.$65.7$59.3$6.38$4.52$4.43$0.09
2022Detailed filing. Detailed filing data is available for this year.$63.2$57.0$6.23$4.64$4.51$0.12
2021Detailed filing. Detailed filing data is available for this year.$59.7$53.5$6.22$3.89$3.28$0.61
2020Detailed filing. Detailed filing data is available for this year.$53.7$48.1$5.61$3.37$3.35$0.02
2019Detailed filing. Detailed filing data is available for this year.$43.4$37.8$5.60$3.36$3.29$0.08
2018Detailed filing. Detailed filing data is available for this year.$38.3$32.7$5.52$3.29$2.92$0.37
2017Detailed filing. Detailed filing data is available for this year.$37.0$31.8$5.15$3.01$2.87$0.14
2016Detailed filing. Detailed filing data is available for this year.$37.1$32.1$5.01$3.72$3.35$0.37
2015Detailed filing. Detailed filing data is available for this year.$36.5$31.9$4.64$3.82$3.25$0.57
2014Detailed filing. Detailed filing data is available for this year.$37.7$33.6$4.06$3.13$2.79$0.35
2013Detailed filing. Detailed filing data is available for this year.$34.3$30.6$3.72$3.20$2.81$0.39
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.2$33.2$2.94$2.60
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.7$30.4$2.30$2.53
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.3$31.0$2.23$2.66