Civic Intelligence

Westerly Community Credit Union

EIN 05-0255222 • 501(c)14 • Wakefield, RI

View Organization Page

Profile

To provide low cost financial services to the credit union owner depositors

4979 Tower Hill RoadWakefield, RI 02879

www.westerlyccu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

82nd percentile

0.92x

Higher debt load relative to assets than 82% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

83rd percentile

17.82x

Higher debt load relative to revenue than 83% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

31st percentile

5.6%

Higher net margin than 31% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

40th percentile

$401,938

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

73rd percentile

6.2%

Faster asset growth than 73% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

48th percentile

13%

Faster revenue growth than 48% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$497,668,725

Up $28,987,627 (+6.2%) from 2023

Liabilities

Up

$459,335,689

Up $26,299,089 (+6.1%) from 2023

Net Assets

Up

$38,333,036

Up $2,688,538 (+7.5%) from 2023

Operations
Liabilities / Revenue83rd percentileNet Margin31st percentile

Revenue

Up

$25,769,590

Up $2,883,504 (+13%) from 2023

Expenses

Up

$24,323,161

Up $3,097,817 (+15%) from 2023

Net Income

Down

$1,446,429

Down $214,313 (-13%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth73rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600M$400M$200M$0Assets 2011: $210,540,210Liabilities 2011: $195,586,165Net Assets 2011: $14,954,0452011Assets 2012: $215,449,318Liabilities 2012: $199,216,938Net Assets 2012: $16,232,3802012Assets 2013: $224,435,728Liabilities 2013: $206,325,419Net Assets 2013: $18,110,3092013Assets 2014: $225,145,294Liabilities 2014: $206,316,260Net Assets 2014: $18,829,0342014Assets 2015: $232,806,172Liabilities 2015: $213,236,151Net Assets 2015: $19,570,0212015Assets 2016: $250,342,378Liabilities 2016: $229,365,664Net Assets 2016: $20,976,7142016Assets 2017: $271,125,389Liabilities 2017: $248,267,941Net Assets 2017: $22,857,4482017Assets 2018: $295,300,249Liabilities 2018: $270,309,020Net Assets 2018: $24,991,2292018Assets 2019: $326,735,039Liabilities 2019: $299,223,433Net Assets 2019: $27,511,6062019Assets 2020: $367,124,004Liabilities 2020: $336,906,542Net Assets 2020: $30,217,4622020Assets 2021: $412,210,779Liabilities 2021: $377,690,888Net Assets 2021: $34,519,8912021Assets 2022: $452,757,930Liabilities 2022: $420,996,863Net Assets 2022: $31,761,0672022Assets 2023: $468,681,098Liabilities 2023: $433,036,600Net Assets 2023: $35,644,4982023Assets 2024: $497,668,725Liabilities 2024: $459,335,689Net Assets 2024: $38,333,0362024

Highlighted filing

2024

Assets$497,668,725
Liabilities$459,335,689
Net Assets$38,333,036
Open 2024 Filing

Operations Trend

Revenue Growth48th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0Revenue 2011: $11,637,106Expenses 2011: $11,544,159Net Income 2011: $92,9472011Revenue 2012: $10,756,854Expenses 2012: $10,546,474Net Income 2012: $210,3802012Revenue 2013: $10,151,439Expenses 2013: $9,079,402Net Income 2013: $1,072,0372013Revenue 2014: $10,390,886Expenses 2014: $9,004,360Net Income 2014: $1,386,5262014Revenue 2015: $10,563,677Expenses 2015: $9,354,436Net Income 2015: $1,209,2412015Revenue 2016: $11,119,362Expenses 2016: $9,631,597Net Income 2016: $1,487,7652016Revenue 2017: $11,821,792Expenses 2017: $10,109,137Net Income 2017: $1,712,6552017Revenue 2018: $12,957,127Expenses 2018: $10,849,855Net Income 2018: $2,107,2722018Revenue 2019: $14,891,523Expenses 2019: $12,452,505Net Income 2019: $2,439,0182019Revenue 2020: $15,367,113Expenses 2020: $12,532,611Net Income 2020: $2,834,5022020Revenue 2021: $17,253,972Expenses 2021: $12,808,141Net Income 2021: $4,445,8312021Revenue 2022: $18,312,399Expenses 2022: $14,838,035Net Income 2022: $3,474,3642022Revenue 2023: $22,886,086Expenses 2023: $21,225,344Net Income 2023: $1,660,7422023Revenue 2024: $25,769,590Expenses 2024: $24,323,161Net Income 2024: $1,446,4292024

Highlighted filing

2024

Revenue$25,769,590
Expenses$24,323,161
Net Income$1,446,429
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$497,668,725
Liabilities
$459,335,689
Net assets
$38,333,036
Revenue
$25,769,590
Expenses
$24,323,161
Net income
$1,446,429
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$498$459$38.3$25.8$24.3$1.45
2023Detailed filing. Detailed filing data is available for this year.$469$433$35.6$22.9$21.2$1.66
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$453$421$31.8$18.3$14.8$3.47
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$412$378$34.5$17.3$12.8$4.45
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$367$337$30.2$15.4$12.5$2.83
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$327$299$27.5$14.9$12.5$2.44
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$295$270$25.0$13.0$10.8$2.11
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$271$248$22.9$11.8$10.1$1.71
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$250$229$21.0$11.1$9.63$1.49
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$233$213$19.6$10.6$9.35$1.21
2014Detailed filing. Detailed filing data is available for this year.$225$206$18.8$10.4$9.00$1.39
2013Detailed filing. Detailed filing data is available for this year.$224$206$18.1$10.2$9.08$1.07
2012Summary only. Only limited summary data is available for this year.$215$199$16.2$10.8$10.5$0.21
2011Summary only. Only limited summary data is available for this year.$211$196$15.0$11.6$11.5$0.09
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 14, 2025
Return Version
2024v5.1
Gross Receipts
$34,470,455
Mission and Program Overview

Mission

Westerly community credit union is member owned and operated. The mission of the credit union is to improve the financial wellbeing of its member owners. It does so by providing members value in the product delivered and compassionate and caring service.

Provide high quality, low cost, financial services to improve the financial wellbeing of members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$370,606,682$395,661,582▲ $25,054,900
Investments Other Securities$57,921,781$62,375,816▲ $4,454,035
Rtn Earn Endowment Incm Other Fnds$35,644,498$38,333,036▲ $2,688,538
Land, Buildings, and Equipment, Net$15,460,731$14,832,370▼ $628,361
Cash and Non-Interest-Bearing Accounts$12,737,179$7,159,956▼ $5,577,223
Savings and Temporary Cash Investments$842,407$5,319,267▲ $4,476,860
Accounts Receivable$1,480,735$1,724,667▲ $243,932
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$468,681,098$497,668,725▲ $28,987,627
Other Assets Total$9,631,583$10,595,067▲ $963,484
Liabilities
Other Liabilities$408,160,236$425,516,393▲ $17,356,157
Mortgage Notes Payable Secured by Investment Property$19,250,000$29,250,000▲ $10,000,000
Accounts Payable and Accrued Expenses$5,626,364$4,569,296▼ $1,057,068
Total Liabilities$433,036,600$459,335,689▲ $26,299,089
Net Assets / Fund Balance
Total Net Assets Fund Balance$35,644,498$38,333,036▲ $2,688,538
Total Liabilities and Net Assets / Fund Balance$468,681,098$497,668,725▲ $28,987,627

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$9,546,923$9,695,223$19,242,146
Equipment$1,136,806$7,332,700$8,469,506
Land$3,982,563-$3,982,563
Leasehold Improvements$166,078$492,423$658,501
Other Securities$1,362,500--
Compensation and Service Providers
Top Officer Pay40th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stephen WhitePresident & CEOFT$313,537$88,401$401,938
Andrew RogersCOO & Senior VP of OperatiFT$269,094$24,514$293,608
Margaret SiscoCMOFT$201,947$47,596$249,543
Richard ChampVP of LendingFT$159,105$48,265$207,370
Aaron ClarkVP Finance and AccountingFT$160,828$26,386$187,214
Joseph StoyIt DirectorFT$115,566$35,044$150,610
Gwendolyn GencarellliVP of Financial ServicesFT$117,873$32,262$150,135
Laura DonohueControllerFT$117,515$20,632$138,147
Robert BoucherDirector of Credit and ComplianceFT$118,972$15,864$134,836
Brian EstenDirector of Commercial LendingFT$117,151$5,719$122,870
Peter StefanskiChairperson-$14,200-$14,200
Robert DelaneyBoard Treasurer-$10,600-$10,600
Steven ScalesVice Chairperson-$10,600-$10,600
William QuirkBoard Secretary-$10,600-$10,600
Dawn SmithBoard Member-$9,400-$9,400
Joseph RitaccoBoard Member-$9,400-$9,400
Paul MarsiglioBoard Member-$9,400-$9,400
Scott HaroldBoard Member-$9,400-$9,400
Stephen J IacoiBoard Member-$9,400-$9,400
Sheilia Terranova-beattieBoard Member-$9,100-$9,100
Paul GencarellaSupervisory Committee Chairperson-$8,800-$8,800
Danny NesmithSupervisory Committee Member-$8,000-$8,000
Kristin MartinoSupervisory Committee Member-$8,000-$8,000
Nicholas StahlSupervisory Committee Member-$8,000-$8,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$23,875,207
Investment Income
$1,894,383
Other Revenue
$0
Change in Net Assets
$1,446,429

Audited Revenue Reconciliation

Revenue per Audited Statements
$25,769,590
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$25,769,590
Total Revenue per Form 990
$25,769,590
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,560,693
Salaries, Compensation, and Employee Benefits$7,762,468
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$8,439,254
Other Salaries and Wages---$4,197,739
Current Officers, Directors, Trustees, and Key Employees---$1,918,421
Office Expenses---$1,770,469
Depreciation Depletion---$1,009,231
Occupancy---$869,011
Other Employee Benefits---$833,885
Other Expenses---$803,925
Advertising---$756,050
Information Technology---$724,012
Payroll Taxes---$496,916
Travel---$328,578
Pension Plan Contributions---$315,507
Fees for Services Other---$177,494
All Other Expenses---$155,670
Fees for Services Accounting---$121,576
Fees for Services Legal---$66,129
Total Functional Expenses$0$0$0$24,323,161

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$24,323,161
Total Expenses per Audited Statements$24,323,161
Total Expenses per Form 990$24,323,161
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE AND SAVINGS ACCTS$425,516,393
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is owned by its member depositors.”

Form 990, Part VI, Section A, Line 7A

“The members elect the board of directors and ratify their actions at the annual meeting.”

Form 990, Part VI, Section A, Line 7B

“The members must approve mergers at the credit union.”

Form 990, Part VI, Section B, Line 11B

“The form 990 is reviewed by management prior to its filing and copies are provided to the board of directors at the subsequent meeting.”

Form 990, Part VI, Section B, Line 12C

“The organization annually reviews their conflict of interest policy with directors, officers and key employees.”

Form 990, Part VI, Section B, Line 15

“Officer salaries are approved annually by the board of directors.”

Form 990, Part VI, Section C, Line 19

“The organization makes these forms available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Westerly Community Credit Union
EIN
05-0255222
Phone
4015967000
Address
4979 TOWER HILL ROAD, WAKEFIELD, RI 02879

Signing Officer

Name
Andrew Rogers
Title
SVP & COO
Phone
4015967000
Signed
2025-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Andrew Rogers
Formed
1948
Legal Domicile
Ri
Voting Board Members
10
Independent Board Members
10
Employees
85
Volunteers
0

Preparer

Firm
Whittlesey Pc
Address
280 TRUMBULL ST 24TH FL, HARTFORD, CT 06103
Preparer
Thomas Goldfuss
Phone
8605223111
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Net change in minimum pension liability 648,804. Cecl adoption 0.”

Part XII Line 2C

“No changes in current year.”

Raw XML AppendixShowing 400 of 614 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt05626364
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt04569296
IRS990/AccountsReceivableGrp/BOYAmt01480735
IRS990/AccountsReceivableGrp/EOYAmt01724667
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0PROVIDE HIGH QUALITY, LOW COST, FINANCIAL SERVICES TO IMPROVE THE FINANCIAL WELLBEING OF MEMBERS.
IRS990/AdvertisingGrp/TotalAmt0756050
IRS990/AllOtherExpensesGrp/TotalAmt0155670
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/AuditCommitteeInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0ANDREW ROGERS
IRS990/BooksInCareOfDetail/PhoneNum04015967000
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04979 TOWER HILL ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0WAKEFIELD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0RI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd002879
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt012737179
IRS990/CashNonInterestBearingGrp/EOYAmt07159956
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01918421
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01894383
IRS990/CYOtherExpensesAmt016560693
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt023875207
IRS990/CYRevenuesLessExpensesAmt01446429
IRS990/CYSalariesCompEmpBnftPaidAmt07762468
IRS990/CYTotalExpensesAmt024323161
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt025769590
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt01009231
IRS990/Desc0MAINTENANCE OF MEMBERS' DEPOSIT ACCOUNT AND THE PAYMENT OF INTEREST AND DIVIDENDS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt085
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0121576
IRS990/FeesForServicesLegalGrp/TotalAmt066129
IRS990/FeesForServicesOtherGrp/TotalAmt0177494
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt121.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt131.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2340.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd13X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1442974
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1514032
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1638064
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1739835
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1818403
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1915864
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2020632
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt215719
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2226121
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2331106
IRS990/Form990PartVIISectionAGrp/PersonNm0PETER STEFANSKI
IRS990/Form990PartVIISectionAGrp/PersonNm1STEVEN SCALES
IRS990/Form990PartVIISectionAGrp/PersonNm2ROBERT DELANEY
IRS990/Form990PartVIISectionAGrp/PersonNm3WILLIAM QUIRK
IRS990/Form990PartVIISectionAGrp/PersonNm4SHEILIA TERRANOVA-BEATTIE
IRS990/Form990PartVIISectionAGrp/PersonNm5SCOTT HAROLD
IRS990/Form990PartVIISectionAGrp/PersonNm6STEPHEN J IACOI
IRS990/Form990PartVIISectionAGrp/PersonNm7PAUL MARSIGLIO
IRS990/Form990PartVIISectionAGrp/PersonNm8JOSEPH RITACCO
IRS990/Form990PartVIISectionAGrp/PersonNm9DAWN SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm10PAUL GENCARELLA
IRS990/Form990PartVIISectionAGrp/PersonNm11DANNY NESMITH
IRS990/Form990PartVIISectionAGrp/PersonNm12NICHOLAS STAHL
IRS990/Form990PartVIISectionAGrp/PersonNm13KRISTIN MARTINO
IRS990/Form990PartVIISectionAGrp/PersonNm14STEPHEN WHITE
IRS990/Form990PartVIISectionAGrp/PersonNm15ANDREW ROGERS
IRS990/Form990PartVIISectionAGrp/PersonNm16MARGARET SISCO
IRS990/Form990PartVIISectionAGrp/PersonNm17RICHARD CHAMP
IRS990/Form990PartVIISectionAGrp/PersonNm18AARON CLARK
IRS990/Form990PartVIISectionAGrp/PersonNm19ROBERT BOUCHER
IRS990/Form990PartVIISectionAGrp/PersonNm20LAURA DONOHUE
IRS990/Form990PartVIISectionAGrp/PersonNm21BRIAN ESTEN
IRS990/Form990PartVIISectionAGrp/PersonNm22GWENDOLYN GENCARELLLI
IRS990/Form990PartVIISectionAGrp/PersonNm23JOSEPH STOY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt014200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt210600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt310600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt49100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt59400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt69400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt79400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt89400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt99400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt108800
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt118000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt128000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt138000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14358964
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15279576
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16211479
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17167535
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18168811
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19118972
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20117515
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21117151
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22124014
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23119504
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPERVISORY COMMITTEE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt11SUPERVISORY COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SUPERVISORY COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13SUPERVISORY COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt15COO & SENIOR VP OF OPERATI
IRS990/Form990PartVIISectionAGrp/TitleTxt16CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP FINANCE AND ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR OF CREDIT AND COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt20CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR OF COMMERCIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP OF FINANCIAL SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt23IT DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01948
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt096407
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt08797272
IRS990/GrossReceiptsAmt034470455
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt012
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0724012
IRS990/InterestGrp/TotalAmt08439254
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01797976
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01797976
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt057921781
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt062375816
IRS990/IRPDocumentCnt07768
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt017520346
IRS990/LandBldgEquipBasisNetGrp/BOYAmt015460731
IRS990/LandBldgEquipBasisNetGrp/EOYAmt014832370
IRS990/LandBldgEquipCostOrOtherBssAmt032352716
IRS990/LegalDomicileStateCd0RI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt08700865
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WESTERLY COMMUNITY CREDIT UNION IS MEMBER OWNED AND OPERATED. THE MISSION OF THE CREDIT UNION IS TO IMPROVE THE FINANCIAL WELLBEING OF ITS MEMBER OWNERS. IT DOES SO BY PROVIDING MEMBERS VALUE IN THE PRODUCT DELIVERED AND COMPASSIONATE AND CARING SERVICE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt019250000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt029250000
IRS990/NetAssetsOrFundBalancesBOYAmt035644498
IRS990/NetAssetsOrFundBalancesEOYAmt038333036
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt096407
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt096407
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0593305
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0869011
IRS990/OfficeExpensesGrp/TotalAmt01770469
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09631583
IRS990/OtherAssetsTotalGrp/EOYAmt010595067
IRS990/OtherChangesInNetAssetsAmt0648804
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0833885
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXP
IRS990/OtherExpensesGrp/TotalAmt01339294
IRS990/OtherExpensesGrp/TotalAmt1803925
IRS990/OtherLiabilitiesGrp/BOYAmt0408160236
IRS990/OtherLiabilitiesGrp/EOYAmt0425516393
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt04197739
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0370606682
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0395661582
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0496916
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0315507
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0ANDREW ROGERS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1MEMBER SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt020060411
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13814796
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt020060411
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13814796
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0541129
IRS990/PYOtherExpensesAmt013937352
IRS990/PYOtherRevenueAmt01178931
IRS990/PYProgramServiceRevenueAmt021166026
IRS990/PYRevenuesLessExpensesAmt01660742
IRS990/PYSalariesCompEmpBnftPaidAmt07287992
IRS990/PYTotalExpensesAmt021225344
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt022886086
IRS990/ReconcilationRevenueExpnssAmt01446429
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt035644498
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt038333036
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0842407
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05319267
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt09546923
IRS990ScheduleD/BuildingsGrp/DepreciationAmt09695223
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt019242146
IRS990ScheduleD/EquipmentGrp/BookValueAmt01136806
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07332700
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt08469506
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt024323161
IRS990ScheduleD/LandGrp/BookValueAmt03982563
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03982563
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0166078
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0492423
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0658501
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0425516393
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARE AND SAVINGS ACCTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt027452624
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11884569
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt230176123
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt31500000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt41362500
IRS990ScheduleD/OtherSecuritiesGrp/Desc0US GOVERNMENT AGENCY MORTGAGE BACKED
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CORPORATE BONDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2US GOVERNMENT TREASURY AND AGENCY
IRS990ScheduleD/OtherSecuritiesGrp/Desc3MARKETABLE CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc4FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt025769590
IRS990ScheduleD/TotalBookValueLandBuildingsAmt014832370
IRS990ScheduleD/TotalBookValueSecuritiesAmt062375816
IRS990ScheduleD/TotalExpensesPerForm990Amt024323161

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)14 • $250M-$1B nonprofits