# OPPORTUNITIES
Winooski, VT · NCUA charter 67251 · asset band $50-100M · latest filing 2025-06 · stopped filing after 2025-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/opportunities-67251

Who the members are: state charter, organized 1989, low-income designated. 5,374 members of 61,794 potential (8.7% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *stressed*. Composite score 7 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $60.5M |
| Members | 5,374 (-8.5% YoY) |
| Full-time staff | 17 |
| Net worth | $6.4M |
| Net worth ratio | 10.5% (p29 of band) |
| ROA (annualized) | -1.65% (p1 of band) |
| Total delinquency | 2.87% (p96 of band) |
| Net charge-offs (annualized) | -0.32% (p1 of band) |
| Loans / shares | 103% (p99 of band) |
| Cash / assets | 14.1% |
| Borrowings / assets | 8.79% |
| Net interest margin | 2.94% (p19 of band) |
| Operating expense / assets | 4.84% (p88 of band) |
| Vehicles % of loans | 14% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 3.99% (p98 of band) |
| Vehicle NCO | 2.60% (p97 of band) |
| Repossessed % of vehicle book | 0.00% (p39 of band) |
| Real estate % of loans | 69% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 91% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 23% |
| Average share balance | $5,515 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $31,031 |
| Loans granted, annualized | $4.1M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | expense trap, delinquency 2x band, loans>95% of shares, leaning on borrowings |  |
| 2016-06 | 5 | losing money |  |
| 2016-09 | 4 |  | losing money |
| 2016-12 | 5 | repo signal |  |
| 2017-03 | 4 | losing money | delinquency 2x band, repo signal |
| 2017-06 | 4 | members leaving | losing money |
| 2017-09 | 5 | delinquency 2x band |  |
| 2017-12 | 4 |  | delinquency 2x band |
| 2018-03 | 5 | assets shrinking |  |
| 2018-06 | 5 | net worth falling | assets shrinking |
| 2018-09 | 5 |  |  |
| 2018-12 | 7 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 7 |  |  |
| 2019-06 | 5 |  | delinquency 2x band, delinquency rising |
| 2019-09 | 5 |  |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 | margin squeeze | members leaving |
| 2020-06 | 7 | delinquency 2x band, delinquency rising |  |
| 2020-09 | 7 |  |  |
| 2020-12 | 7 | losing money | loans>95% of shares |
| 2021-03 | 5 |  | delinquency rising, losing money |
| 2021-06 | 3 |  | net worth falling, margin squeeze |
| 2021-09 | 4 | members leaving |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 6 | delinquency rising, charge-offs p90 |  |
| 2022-06 | 6 | loans>95% of shares | charge-offs p90 |
| 2022-09 | 5 |  | members leaving |
| 2022-12 | 5 | net worth falling | delinquency rising |
| 2023-03 | 5 | charge-offs p90 | net worth falling |
| 2023-06 | 4 |  | charge-offs p90 |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | delinquency rising |  |
| 2024-06 | 4 |  | delinquency rising |
| 2024-09 | 4 |  |  |
| 2024-12 | 6 | losing money, members leaving |  |
| 2025-03 | 6 | assets shrinking | expense trap |
| 2025-06 | 7 | loan book shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-27 [Vermont Federal CU supports innovative affordable homeownership and conservation project - Vermont Business Magazine](https://news.google.com/rss/articles/CBMirwFBVV95cUxON1hyRzBFWTNHMHQwanlUTngzdUJzLUZRa0lMUEFiVlFUSmE4bE9mRFJZNVBTWGlDQ1lpRUh3aGRJbHU0WENNaERTWmtENzdwZldoOHd2OXlsUE1ONVhTWDVtMlp0dzVKYXNZdnc4YnAzNldWMktyM3lPR1BsMnl5YUxvOXUwZDR1TXpEYVF2cTR2Q2M4bEEyTTBwUy1JeGIwZ1Z2QTJ5dm9QUzM1ZVBF?oc=5) · Vermont Business Magazine
- 2026-09-03 [Virginia Tech Athletics and Virginia Credit Union strengthen partnership, add field logo to Lane Stadium - Virginia Tech Athletics](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOX3l3NnFxdnNrbGtkQnh5U2Z1UGhQdjdZTTFzVDhmdS1kMEVJUi01OE5NUjlrRGtRTVhRZEszS01IejR4TEJkbDVNWXdsWkJxYlpma2RsbTJwV1JCVTVyMC1oTUExU1ROVDNPdUc4QWpIa0ttWm01VklnbDRtVjNpczRjTjc0dVNQVjhLbW9wZWFRRFRWamNKdXA1Rml2QThZem9qN2pieGtucmRlMVcyZTlXMDdUMUFUdkFRdmpta2MxMENwVnpmZlJPd0x4SWZOMDFCVDZQS2pzUQ?oc=5) · Virginia Tech Athletics
- 2026-09-04 [Virginia Tech expands Virginia Credit Union deal with on-field branding - Sports Business Journal](https://news.google.com/rss/articles/CBMiygFBVV95cUxOelVzQW9YWVBuOUphRGpxcV8zal9sVEM5LXJJOGhvSWhiR3o2WUVvVXctRFpOd1dUbDhJVnRVdWlETExMcVlreGVGaFJzM29GSXZsLVlCamkzM2NXS05kbWRJMWZvYXFKWWtjc29xNlFJb1VCMGVzaGdhMkNuZ3l6MGNOX1ptdGhtMklNLTEyTlU1SFgydXZVaW55RTItYWlCLUN1Y21sbEhaekRZcF9nOFk3MEV0cEV6OGZ1T2wzVFUwdkhTVWttcGJ3?oc=5) · Sports Business Journal
- 2024-11-25 [Opportunities Credit Union to Merge With Green Mountain - Seven Days Vermont](https://news.google.com/rss/articles/CBMinwFBVV95cUxPai1uU2hid0RPWVZZcG5TdWxzOGRNZ1BqRlFnRmlnbUotMEpvVUFfamFjaWI5V191Zkx1Q1V6VUo4NENNRHE2VEVPNUppUFR1RjI0NU5IQS1OR0l3NUJZbWpjdmlSY0VvWno3OTB1R2JqeEViNEdDWTZQREwwaXRNbG9sTk9fcDVjODVmWk9NQlZJTmxxTVpzeDQ4ckpaOWc?oc=5) · Seven Days Vermont
- 2024-11-23 [Green Mountain Credit Union and Opportunities Credit Union hope to become one - WCAX](https://news.google.com/rss/articles/CBMipgFBVV95cUxOWnNWME00b3UtU29JYVNoVXRnUjlZTkJrTkxjWDZLNEl2YjU1eUVRT01OVVNZdmU2MnpaWGJ5eUJoRmdKN25tTkpfQzdNUUJTSTItLTV3V2ZxeXB0RXh5d2Nxb2lPdnNNdU5HZVQ0X3hKVGF1MGVTWjgtQ3dyVzFYRDA3X2FwU1lwVTNmUVFjWm9FSGQ2S044eGxuUW1SX296aG9ENTJn0gG6AUFVX3lxTFBVUXhyQU9DckxmQlk5cHQzSVgtVXJyR1NQU1lFcGwyMzkxYmRidTk2X2ZYOHRaYXdybVBoTUpSYjJ3WmZIak9xZmt6LTY1WmV3eFB0S2tNTi1kLVJZamIwc3d1RXpibHNmWDdNQlljWWY2TUZRZzNVbGlQTU5WWlVqbmlvekVrb2ZVM1NRM0YxVk9rMVVjR1RvTUdDM2xadG5aTUhoeks4c1ZmVU1mUEtFT2dyQndzZkwwdw?oc=5) · WCAX
- 2022-01-05 [Vermont credit union developing a lending program that complies with Islamic law - VTDigger](https://news.google.com/rss/articles/CBMiswFBVV95cUxQNm5nTFJCU090WHF4Z3prT0NVN2JlbU9VeEVMMTZXRXdEd05iUjk3RldkX3BTN3VtZWY5VmVhR3FIdU42akFBSUdzNXRCRm9uWGpqREdfZkFVQ0VpNVZ5N2dsV1p5MW03M0paUEhVSDd6TW1GTmxnbG1OY3IzSy0zVlB3eWpfTXZZWG1lbVVGcGdjVU16VEhhSmVhb0VCaXYwOFdSUi0yVWE2RWtaUjZudnpyOA?oc=5) · VTDigger
- 2025-08-18 [EastRise Credit Union to Feature First-Ever On-Field Logo in Expanded Vermont Athletics Partnership - Learfield](https://news.google.com/rss/articles/CBMizwFBVV95cUxOVlJvRWpLN3NQb2M1YWZONVFvblN6SFM3Vm5MLTNBNHhyQ0JaWGRPUnE3SktjSHpvVGdWdU1YTTZIdHBfblJxRG1ydXNjX2FEX2ZxemFsd1RYNENPNlZnMnFwX0V1X2xiZFJONUJRLXQ5ellVX2sxOWJCbVRiY3Z3QzRMYlJ1Y1lWMjd0Ni1xREF2RFNKMVF0dUJtT05qMnZ6Zk1PbHE4Vk1SWnVmSTdqU1lMU0Y3aHRKVnhuT1Btbjc1VkVMWm9xMnRQU0xWR1U?oc=5) · Learfield
- 2024-11-01 [Suspected bank robber strikes again in Burlington - WPTZ](https://news.google.com/rss/articles/CBMikwFBVV95cUxPdVQ1Uk5yLTQ1OVRVSHE4Tll2NnFQaFI3RjNpdGxGaTdhVkdmcFdYelBXb0ZXZ0F2QWRwVFBXd0ZXUm1JWVZNSWJYd3lxYUpyMl8tRjUtb0k2amNtX3h3N3pqczF1Zm1iSktTemh6T0hRMUZ3VFFoeTZZWG1WS1lNMVJLV2Y5Q2k3M201WXpHcFJDd2c?oc=5) · WPTZ

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67251 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/51.json (key "67251", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67251
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide