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

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

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
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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
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd13X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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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
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IRS990/Form990PartVIISectionAGrp/TitleTxt17VP OF LENDING
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IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR OF CREDIT AND COMPLIANCE
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IRS990ScheduleD/OtherSecuritiesGrp/Desc2US GOVERNMENT TREASURY AND AGENCY
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