Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Who runs it and what they're paid
12 people listed on the 990; $62K paid to officers and key staff.
Compensation history total reportable pay by year · 2 named individuals · Part VII
| Name | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Katharine Laud | — | $155,051 | $164,619 | $166,042 | $146,289 | $127,328 |
| Erin Metivier | $61,749 | $134,313 | $112,875 | $103,217 | $96,624 | $90,295 |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
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Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Builds wealth, community, and opportunity through a fair, affordable financial system.
Questions for Opportunities Credit Union
Your first name shows with your question. Opportunities Credit Union answers here, for everyone.
Know this org? Add your story
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.
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2025 990, line by line.
Download 990
| Line | Start FY25 | End FY25 |
|---|---|---|
| Cash and savingsLn 1–2 | $6.3M | $0 |
| InvestmentsLn 11–13 | $2.5M | $0 |
| Land, buildings, equipmentLn 10c | $97K | $0 |
| Total assetsLn 16 | $64.1M | $0 |
| LiabilitiesLn 26 | $57.9M | $0 |
| Net assetsLn 32 | $6.2M | $0 |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Pay of current officers, directors and key staffLn 5 | $62K | |||
| Other salaries and wagesLn 7 | $549K | |||
| Pension plan contributionsLn 8 | $16K | |||
| Other employee benefitsLn 9 | $76K | |||
| Payroll taxesLn 10 | $48K | |||
| Legal feesLn 11b | $11K | |||
| Accounting feesLn 11c | $42K | |||
| Other fees for servicesLn 11g | $76K | |||
| Advertising and promotionLn 12 | $15K | |||
| Office expensesLn 13 | $134K | |||
| Information technologyLn 14 | $146K | |||
| OccupancyLn 16 | $81K | |||
| TravelLn 17 | $673 | |||
| Conferences, conventions and meetingsLn 19 | $402 | |||
| InterestLn 20 | $70K | |||
| Depreciation, depletion and amortizationLn 22 | $24K | |||
| InsuranceLn 23 | $18K | |||
| Other expenses (24a–d)Ln 24 | $723K | |||
| All other expensesLn 24e | $56K | |||
| Total functional expensesLn 25 | $2.1M |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest Viewing | $1.6M | $2.1M | −$500K | $0 | 990 PDF |
| FY2024 | $4.5M | $4.8M | −$310K | $6.2M | 990 PDF |
| FY2023 | $4.5M | $4.4M | $89K | $6.4M | 990 PDF |
| FY2022 | $4.6M | $4.5M | $125K | $6.2M | 990 PDF |
| FY2021 | $3.9M | $3.3M | $609K | $6.2M | 990 PDF |
| FY2020 | $3.4M | $3.4M | $18K | $5.6M | 990 PDF |
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Schedules filed Part IV
See the full FY2025 990 (6 parts)
Part I · Summary $1,647,308 revenue, 12 lines filed
Part VI · Governance 10 of 10 board members independent, no flags
Part VIII · Statement of revenue $1,647,308 across 3 lines filed
Part IX · Statement of functional expenses $2,147,740 across 19 lines filed
Part X · Balance sheet $0 assets, 20 lines filed
Part XI · Reconciliation of net assets $0 net assets at year end
Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File
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