Civic Intelligence

Westerly Community Credit Union

990 • Fiscal year 2010 • EIN 05-0255222

Jan 01, 2010 to Dec 31, 2010 • Filed on May 09, 2011

Organization ProfileWWW.WESTERLYCCU.COM

View Organization Page

122 Granite Street02891-2400
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

87th percentile

0.92x

Higher debt load relative to assets than 87% of similar nonprofits.

2010 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets87th percentile

Assets

$213,056,193

No earlier filing loaded for comparison.

Net Assets

$16,321,719

No earlier filing loaded for comparison.

Liabilities

$196,734,474

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$11,111,340

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$600M$400M$200M$0Assets 2010: $213,056,193Liabilities 2010: $196,734,474Net Assets 2010: $16,321,7192010Assets 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

2010

Assets$213,056,193
Liabilities$196,734,474
Net Assets$16,321,719
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$30M$20M$10M$0Expenses 2010: $11,111,3402010Revenue 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

2010

Revenue-
Expenses$11,111,340
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
May 9, 2011
Return Version
2010v3.2
Gross Receipts
$12,150,561
Mission and Program Overview

Mission

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

Filing and Contact Details

Filer

EIN
05-0255222
Raw XML AppendixShowing 400 of 483 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.

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IRS990ScheduleO/GeneralExplanation/Explanation0The Credit Union is owned by its member depositors.
IRS990ScheduleO/GeneralExplanation/Explanation1The members elect the Board of Directors and ratify its actions at the Annual Meeting.
IRS990ScheduleO/GeneralExplanation/Explanation2The Form 990 is reviewed by management prior to its filing and copies are provided to the Board of Directors at its subsequent meeting.
IRS990ScheduleO/GeneralExplanation/Explanation3The Supervisory Committee monitors the Board of Directors complience with internal policies and provisions of Rhode Island General Law.
IRS990ScheduleO/GeneralExplanation/Explanation4The Credit Union has a record retention policy in accordance with regulations promulgated by the National Credit Union Administration.
IRS990ScheduleO/GeneralExplanation/Explanation5Officers salaries are approved annually by the Board of Directors.
IRS990ScheduleO/GeneralExplanation/Explanation6Fees paid to members of the Board of Directors are approved by the members at the Annual Meeting.
IRS990ScheduleO/GeneralExplanation/Explanation7Financial results are posted monthly at each branch office. Credit Union policies are available upon request.
IRS990ScheduleO/GeneralExplanation/Explanation8Increase in equity 734,794 for decrease in the unrealized loss on investments classified as available for sale, and a decrease in equity of 49,044 for an increase in the unfunded pension liability.
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990 Part VI
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990 Part VI
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990 Part VI
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990 Part VI
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990 Part VI
IRS990ScheduleO/GeneralExplanation/Identifier5Form 990 Part VI
IRS990ScheduleO/GeneralExplanation/Identifier6Form 990 Part VI
IRS990ScheduleO/GeneralExplanation/Identifier7Form 990 Part VI
IRS990ScheduleO/GeneralExplanation/Identifier8Form 990 Part XI
IRS990ScheduleO/GeneralExplanation/ReturnReference06
IRS990ScheduleO/GeneralExplanation/ReturnReference17ab
IRS990ScheduleO/GeneralExplanation/ReturnReference211
IRS990ScheduleO/GeneralExplanation/ReturnReference312abc
IRS990ScheduleO/GeneralExplanation/ReturnReference414

Document Assets

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Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$213,056,193
Liabilities
$196,734,474
Net assets
$16,321,719
Revenue
-
Expenses
$11,111,340
Net income
-
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
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$213$197$16.3$11.1