2025-10-15T13:41:04-05:00 2024-12-31 161131146 BONADIO & CO LLP 171 SULLYS TRAIL PITTSFORD NY 14534 990 2024-01-01 043586239 OPPORTUNITIES INC OPPO 8026544540 25 WINOOSKI FALLS WAY 203 WINOOSKI VT 05404 ERIN METIVIER PRESIDENT 8026544540 2025-10-15 1 1 JEFFREY PAILLE P01378272 5853811000 2025-10-15 2024 2025-03-06 01:10:19Z ERIN METIVIER 25 WINOOSKI FALLS WAY 203 WINOOSKI VT 05404 4312 0 X OPPSVT.ORG X 1989 VT PROVIDE AFFORDABLE CAPITAL AND FINANCIAL SERVICES TO UNDERSERVED MEMBERS OF THE COMMUNITY. X 3 2 0 2 0 0 48000 120 0 0 4907 4192 0 0 52907 4312 14114 565821 0 0 0 0 0 0 0 13005 3532 27119 569353 25788 -565041 755545 190504 0 0 755545 190504 PROVIDE AFFORDABLE CAPITAL AND FINANCIAL SERVICES TO UNDERSERVED MEMBERS OF THE COMMUNITY. 0 0 564801 564801 MEMBERS OF OPPORTUNITIES CREDIT UNION, A RELATED TAX EXEMPT ENTITY, WHO HAVE EMERGENCY NEEDS NOT MET BY CURRENT PROGRAMS CAN OBTAIN A LOAN THAT IS GUARANTEED BY THIS FUND ALLOWING THEM TO ADDRESS EMERGENCY AUTO, MEDICAL AND OTHER FAMILY ISSUES INCLUDING BARRIERS TO HOUSING, FUNERAL EXPENSES AND OTHER CRITICAL NEEDS. 1020 1020 OPPORTUNITY INC. PROVIDES REWARDS AND INITIAL SHARE DEPOSITS FORUNBANKED AND UNDERSERVED CHILDREN TO ALLOW THEM TO HAVE BANK ACCOUNTS. 565821 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 1 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 X 3 2 0 0 0 0 0 0 0 1 0 0 0 1 1 0 0 1 1 0 0 0 X ERIN METIVIER 8026544540 25 WINOOSKI FALLS WAY 203 WINOOSKI VT 05404 KATHARINE LAUD CEO (THROUGH JUNE 2024) 1.00 41.00 X X 0 155051 5117 ERIN METIVIER PRESIDENT 1.00 41.00 X X 0 134313 10234 SHANA RATNER SECRETARY/TREASURER 1.00 1.00 X X 0 0 0 GLENN VON BERNEWITZ VICE PRESIDENT 1.00 2.00 X X 0 0 0 0 289364 15351 0 0 0 0 0 120 120 4192 4192 4312 0 0 4192 564801 564801 1020 1020 LOAN LOSS 3532 3532 569353 565821 3532 0 755545 159915 0 30589 755545 190504 0 0 X 755545 190504 755545 190504 755545 190504 -565041 0 X X 0 0 0 X 131 230514 210631 48000 120 489396 131 230514 210631 48000 120 489396 131350 358046 2376 885 886 4907 4192 13246 502642 0.71230 0.75060 X 0 OTHER 30589 30589 1 OPPORTUNITIES CREDIT UNION 25 WINOOSKI FALLS WAY STE 203 WINOOSKI VT 05404 030321712 501 (C) 14 564801 0 GENERAL SUPPORT FOR PROVISION OF LOANS AND FINANCIAL ASSISTANCE TO UNDERSERVED VERMONTERS. GILLIGAN FUND 12 120 INITIAL "SEED" DEPOSIT FOR CHILDRENS' STARTER SAVINGS ACCOUNTS. PART I, LINE 2 AND PART II, LINE 1: OPPORTUNITIES INC PROVIDES FUNDS TO OPPORTUNITIES CREDIT UNION, A RELATED ORGANIZATION, TO BE USED AS COLLATERAL TO SUPPORT REDUCED INTEREST RATES AND INCREASED ACCESS TO CREDIT ON VEHICLE AND EQUIPMENT LOANS FOR UNDERSERVED VERMONTERS AND THOSE NEEDING ASSISTANCE WITH DISABILITIES. IN 2024, FUNDS IDENTIFIED FOR THIS PURPOSE WERE TRANSFERRED TO THE CREDIT UNION TO BE MAINTANINED BY THE CREDIT UNION FOR THESE PURPOSES. PART III OPPORTUNITIES INC PROVIDES FUNDS TO KIDS TO FUND INITIAL DEPOSITS INTO THEIR SAVINGS AND CHECKING ACCOUNTS. THESE FUNDS ARE INTENDED TO ENCOURAGE SAVING AND FINANCIAL LITERACY AND ARE TO BE USED AT THE INDIVIDUAL'S DISCRETION. 0 0 0 0 0 0 0 0 0 KATHARINE LAUD CEO (THROUGH JUNE 2024) 0 155051 0 0 0 0 0 0 0 5117 0 160168 0 0 SEE PART III 2024-07-01 564801 TRANSFER WAS CASH; FAIR VALUE EQUALS BOOK VALUE. 030321712 OPPORTUNITIES CREDIT UNION 25 WINOOSKI FALLS WAY WINOOSKI VT 05404 501(C)(14) 0 1 0 0 PART II, LINE 2E: PERSON(S) INVOLVED: ERIN METIVIER AND GLENN VON BERNEWITZ PART II, LINE 2E: EXPLANATION OF INVOLVEMENT: ERIN IS AND HAS BEEN AN OFFICER OF OPPORTUNITIES CREDIT UNION FOR MANY YEARS. SHE ALSO HAS SERVED AS A BOARD MEMBER OF OPPORTUNITIES, INC. FOR MANY YEARS. HER ROLE AT BOTH ORGANIZATIONS DOES NOT CHANGE AS A RESULT OF THIS TRANSFER.GLENN HAS BEEN A VOLUNTEER BOARD MEMBER OF BOTH OPPORTUNITIES CREDIT UNION AND OPPORTUNITIES, INC. BEFORE AND AFTER THIS TRANSFER. HIS ROLE AT BOTH ORGANIZATIONS DOES NOT CHANGE AS A RESULT OF THIS TRANSFER. PART II, LINE 1, COLUMN (A) CASH BALANCES WERE TRANSFERRED TO OPPORTUNITIES CREDIT UNION SO THAT THE MISSION OF BOTH THE CREDIT UNION AND OPPORTUNITIES, INC. RELATED TO PROVIDING FINANCIAL ASSISTANCE TO VERMONTERS WITH DISABILITIES AND THOSE WHO ARE UNDERSERVED CAN CONTINUE TO BE FULFILLED MOST EFFECTIVELY. THE CREDIT UNION WILL USE THESE FUNDS TO SUBSIDIZE LOWER-THAN-MARKET INTEREST RATES ON LOANS TO ELIGIBLE INDIVIDUALS AND COLLATERALIZE LOANS TO THOSE WITH CREDIT CHALLENGES. FORM 990, PART VI, SECTION A, LINE 8B OPPORTUNITIES INC. DOES NOT HAVE COMMITTEES THAT MAY ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS REVIEWED BY THE CHIEF EXECUTIVE OFFICER OF OPPORTUNITIES INC. BEFORE IT IS FILED. A COPY OF THE FORM 990 WILL BE PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND UNAUDITED FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST IN THE SAME TIME AND MANNER AS OTHER DISCLOSURES REQUIRED UNDER INTERNAL REVENUE CODE. FORM 990, PART XII, LINE 2C: NO CHANGES SINCE PRIOR YEAR. OPPORTUNITIES CREDIT UNION 25 WINOOSKI FALLS WAY SUITE 203 WINOOSKI VT 05404 030321712 PROVIDES BANKING SERVICES TO LOW-INCOME INDIVIDUALS VT 501(C)(14) N/A 0 OPPORTUNITIES VENTURES INC 25 WINOOSKI FALLS WAY SUITE 203 WINOOSKI VT 05404 043586244 PROVIDES REVOLVING LOANS TO QUALIFIED INDIVIDUALS FOR VARIOUS PURPOSES VT 501(C)(14) LINE 10 OPPORTUNITIES INC 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 OPPORTUNITIES CREDIT UNION B 564801 CASH; FAIR VALUE = BOOK VALUE