Overview / Commentary
Opportunities Credit Union is headquartered in Winooski and is the 9th largest credit union in the state of Vermont. It is also the 2,252nd largest credit union in the nation. It was established in 1989 and as of March of 2025, it had grown to 18 employees and 5,374 members at 3 locations. Opportunities Credit Union has a B health rating.
Field of Membership Restrictions
Membership in Opportunities Credit Union is open to residents or business owners in the low-income area designated as the Old North End in the Burlington (VT) or in the City of Winooski (VT).
See current membership details
Health
B
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Opportunities Credit Union has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 67251 |
| Year Chartered | 1989 |
| Employees | 18 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -1.01% |
| Return on Equity - YTD | -10.75% |
| Annual Interest Income | $745K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $62.5MM$65.4MM |
| Loans | Q1 2025vs Q1 2024 | $53.1MM$55.6MM |
| Deposits | Q1 2025vs Q1 2024 | $48.8MM$50.6MM |
| Equity Capital | Q1 2025vs Q1 2024 | $5.9MM$6.4MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $318K$232K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $631K$1.5MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |