VERMONT NONPROFIT RESERVE REPORT · NOVEMBER 2026
A new analysis of IRS filings from 1,230 Vermont charities with revenue up to $10 million.
With federal funding uncertain, every Vermont nonprofit board should be asking how long the organization could keep going on its own reserves. We analyzed every full Form 990 that Vermont charities filed with the IRS in 2025 to see where the sector stood.
43% of those that rely on government grants for at least 30% of their revenue have less than three months of reserves.
More than one in three (35%) have less than three months.
If government grants stopped and all other revenue stayed the same, one in four of those that receive them (26%) would burn through their reserves within six months.
The bigger the organization, the thinner the cushion.
These filings show where Vermont nonprofits stood, mostly in fiscal 2024. Your board needs to know where you stand today. Ask your finance person one question this week:
If no new money came in, how many months could we cover our expenses with money that's truly ours?
If the answer doesn't come quickly, that's the warning sign, and it usually points to how the books and reporting are set up.
Four steps. If the books are current, it takes less than an hour.
PRIVATE · 20 MINUTES · NO COST
If your organization is a Vermont 501(c)(3) public charity that filed a full Form 990 in 2025 reporting revenue and expenses up to $10 million, it's in this data. We'll send you your organization's private scorecard and walk you through it in 20 minutes, at no cost. Nobody else sees it.
No organization is named in the report. Organizations appear only inside groups, and your scorecard goes only to you.
Questions or media inquiries: Jim Verzino, 802-394-1193, jim@creatorsfinancial.com
Creators Financial is the outsourced accounting department for New England nonprofits: bookkeeping, controllership, planning and forecasting, and CFO-level financial leadership.