Westerly Community Credit Union

Wakefield, RI
Tax-exempt since Feb. 1993
EIN: 05-0255222

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Type of Nonprofit

Designated as a 501(c)(14) State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Revenue

$22.9M (2023)

Expenses

$21.2M (2023)

Total Assets

$469M (2023)

Total Liabilities

$433M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Revenue

$22,886,086

Expenses

$21,225,344

Net Income

$1,660,742

Net Assets

$35,644,498

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$21,166,026	92.5%
Investment Income	$1,021,695	4.5%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$480,566
Net Inventory Sales	$0
Other Revenue	$1,178,931	5.2%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,188,126	5.6%
Professional Fundraising Fees	$0
Other Salaries and Wages	$4,448,419	21.0%

Assets/Debt
Total Assets	$468,681,098
Total Liabilities	$433,036,600
Net Assets	$35,644,498

Compensation

Key Employees and Officers	Compensation	Related	Other
Stephen White (President & Ceo)	$337,551	$0	$41,364
Andrew Rogers (Coo & Senior Vp Of Operations)	$223,488	$0	$11,006
Margaret Sisco (Cmo)	$194,541	$0	$33,693
Robert Boucher (Vp Of Retail Leading)	$175,663	$0	$21,258
Richard Champ (Vp Of Lending)	$154,783	$0	$31,928
Peter Stefanski (Chairperson)	$14,200	$0	$0
Steven Scales (Vice Chairperson)	$10,600	$0	$0
Robert Delaney (Board Treasurer)	$10,600	$0	$0
William Quirk (Board Secretary)	$10,600	$0	$0
Sheilia Terranova Beattie (Board Member)	$9,400	$0	$0
Scott Harold (Board Member)	$9,400	$0	$0
Stephen J Iacoi (Board Member)	$9,400	$0	$0
Joseph Ritacco (Board Member)	$9,400	$0	$0
Dawn Smith (Board Member)	$9,400	$0	$0
Paul Marsiglio (Board Member)	$9,100	$0	$0

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990

Filed on May 14, 2024

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Fiscal Year Ending Dec.
2022

Revenue

$18,312,399

Expenses

$14,838,035

Net Income

$3,474,364

Net Assets

$31,761,067

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$17,532,104	95.7%
Investment Income	$837,301	4.6%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$57,006
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,325,792	8.9%
Professional Fundraising Fees	$0
Other Salaries and Wages	$4,116,464	27.7%

Assets/Debt
Total Assets	$452,757,930
Total Liabilities	$420,996,863
Net Assets	$31,761,067

Compensation

Key Employees and Officers	Compensation	Related	Other
Stephen White (Ceo)	$324,136	$0	$31,566
Robert Falso (Cfo)	$284,166	$0	$868
Andrew Rogers (Coo)	$198,727	$0	$15,912
Margaret Sisco (Cmo)	$180,248	$0	$19,901
Robert Boucher (Vp Of Lending)	$165,274	$0	$2,594
Peter Stefanski (Chairperson)	$14,200	$0	$0
Steven Scales (Vice Chairperson)	$10,600	$0	$0
Robert Delaney (Board Treasurer)	$10,600	$0	$0
William Quirk (Board Secretary)	$10,600	$0	$0
Sheilia Terranova Beattie (Board Member)	$9,400	$0	$0
Scott Harold (Board Member)	$9,400	$0	$0
Stephen J Iacoi (Board Member)	$9,400	$0	$0
Paul Marsiglio (Board Member)	$9,400	$0	$0
Joseph Ritacco (Board Member)	$9,400	$0	$0
Dawn Smith (Board Member)	$9,400	$0	$0

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990

Filed on May 11, 2023

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Fiscal Year Ending Dec.
2021

Revenue

$17,253,972

Expenses

$12,808,141

Net Income

$4,445,831

Net Assets

$34,519,891

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$16,368,023	94.9%
Investment Income	$507,720	2.9%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$378,229	2.2%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,874,211	14.6%
Professional Fundraising Fees	$0
Other Salaries and Wages	$3,021,788	23.6%

Assets/Debt
Total Assets	$412,210,779
Total Liabilities	$377,690,888
Net Assets	$34,519,891

Compensation

Key Employees and Officers	Compensation	Related	Other
Stephen White (Ceo)	$309,179	$0	$44,500
Robert Falso (Cfo)	$213,147	$0	$36,647
Andrew Rogers (Coo)	$179,110	$0	$5,636
Robert Boucher (Vp Of Lending)	$160,133	$0	$35,917
Margaret Sisco (Cmo)	$157,250	$0	$34,331
Richard Smith (Director Of Business)	$146,219	$0	$18,531
Mary Ellen Buckley (Vp Of Finance Services)	$140,310	$0	$30,143
Jeanne Abate (Sr Mortgage Originator)	$121,474	$0	$17,019
Jeffery Vandervorste (Sr Mortgage Originator)	$115,107	$0	$8,708
Peter Stefanski (Chairperson)	$14,075	$0	$0
Robert Delaney (Board Treasurer)	$10,475	$0	$0
William Quirk (Board Secretary)	$10,475	$0	$0
Steven Scales (Vice Chairperson)	$10,175	$0	$0
Joseph Ritacco (Board Member)	$9,275	$0	$0
Paul Marsiglio (Board Member)	$9,275	$0	$0
Scott Harold (Board Member)	$9,275	$0	$0
Sheila Beattie (Board Member)	$9,275	$0	$0
Steve Iacoi (Board Member)	$9,275	$0	$0
Dawn Smith (Board Member)	$9,275	$0	$0

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990

Filed on May 12, 2022

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Fiscal Year Ending Dec.
2020

Revenue

$15,367,113

Expenses

$12,532,611

Net Income

$2,834,502

Net Assets

$30,217,462

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$14,480,880	94.2%
Investment Income	$286,938	1.9%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$599,295	3.9%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,157,845	9.2%
Professional Fundraising Fees	$0
Other Salaries and Wages	$3,254,918	26.0%

Assets/Debt
Total Assets	$367,124,004
Total Liabilities	$336,906,542
Net Assets	$30,217,462

Compensation

Key Employees and Officers	Compensation	Related	Other
Stephen White (Ceo)	$298,514	$0	$641,205
Robert Falso (Cfo)	$202,926	$0	$0
Peter Stefanski (Chairperson)	$1,850	$0	$0
Robert Delaney (Board Treasurer)	$1,550	$0	$0
Steven Scales (Vice Chairperson)	$1,550	$0	$0
William Quirk (Board Secretary)	$1,550	$0	$0
Joseph Ritacco (Board Member)	$1,450	$0	$0
Paul Marsiglio (Board Member)	$1,450	$0	$0
Scott Harold (Board Member)	$1,450	$0	$0
Sheila Beattie (Board Member)	$1,450	$0	$0
Steve Iacoi (Board Member)	$1,450	$0	$0
Dawn Smith (Board Member)	$1,450	$0	$0

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990

Filed on May 13, 2021

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Fiscal Year Ending Dec.
2019

Revenue

$14,891,523

Expenses

$12,452,505

Net Income

$2,439,018

Net Assets

$27,511,606

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$14,368,945	96.5%
Investment Income	$322,030	2.2%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$200,548	1.3%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$586,942	4.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$3,481,675	28.0%

Assets/Debt
Total Assets	$326,735,039
Total Liabilities	$299,223,433
Net Assets	$27,511,606

Compensation

Key Employees and Officers	Compensation	Related	Other
Stephen White (Ceo)	$268,621	$0	$0
Robert Falso (Cfo)	$184,121	$0	$0
Danny Nesmith (Chairman)	$13,600	$0	$0
Peter Stefanski (Board Member)	$10,000	$0	$0
Robert Delaney (Board Treasurer)	$10,000	$0	$0
Steven Scales (Vice Chairperson)	$10,000	$0	$0
Joseph Ritacco (Board Member)	$8,800	$0	$0
Paul Marsiglio (Board Member)	$8,800	$0	$0
Ruth Foster Morgan (Board Member)	$8,800	$0	$0
Sheila Beattie (Board Member)	$8,800	$0	$0
William Quirk (Board Member)	$8,800	$0	$0
Dawn Smith (Board Member)	$8,800	$0	$0
Scott Harold (Supervisory Committee Chairperson)	$8,200	$0	$0
Kristin Martino (Supervisory Committee)	$7,400	$0	$0
Nicholas Stahl (Supervisory Committee)	$7,400	$0	$0
Paul Gencarella (Supervisory Committee)	$7,400	$0	$0
Steve Iacoi (Supervisory Committee)	$7,400	$0	$0

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990

Filed on June 26, 2020

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Fiscal Year Ending Dec.
2018

Revenue

$12,957,127

Expenses

$10,849,855

Net Income

$2,107,272

Net Assets

$24,991,229

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$12,787,082	98.7%
Investment Income	$0
Bond Proceeds	$240,548	1.9%
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$70,503
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$507,101	4.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$295,300,249
Total Liabilities	$270,309,020
Net Assets	$24,991,229

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Stephen White (Ceo)	$230,128	$0	$0
Robert Falso (Cfo)	$150,273	$0	$0
Danny Nesmith (Chairman)	$11,950	$0	$0
Robert Delaney (Board Treasurer)	$9,550	$0	$0
Stephen Scales (Board Member)	$9,450	$0	$0
Peter Stefanski (Board Member)	$9,250	$0	$0
Dawn Smith (Board Member)	$8,350	$0	$0
Joseph Ritacco (Board Member)	$8,350	$0	$0
Paul Marsiglio (Board Member)	$8,350	$0	$0
Ruth Foster Morgan (Board Member)	$8,350	$0	$0
Sheila Beattie (Board Member)	$8,350	$0	$0
William Quirk (Board Member)	$8,350	$0	$0
Scott Harold (Supervisory Committee)	$7,650	$0	$0
Nicholas Stahl (Supervisory Committee)	$6,750	$0	$0
Paul Gencarella (Supervisory Committee)	$6,750	$0	$0
Steve Iacoi (Supervisory Committee)	$6,750	$0	$0
Kristin Martino (Board Member)	$5,400	$0	$0
William Horne (Board Member)	$3,100	$0	$0

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990

Filed on May 10, 2019

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Fiscal Year Ending Dec.
2017

Revenue

$11,821,792

Expenses

$10,109,137

Net Income

$1,712,655

Net Assets

$22,857,448

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$11,690,829	98.9%
Investment Income	$0
Bond Proceeds	$219,009	1.9%
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$88,046
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$498,957	4.9%
Professional Fundraising Fees	$0
Other Salaries and Wages	$3,117,919	30.8%

Assets/Debt
Total Assets	$271,125,389
Total Liabilities	$248,267,941
Net Assets	$22,857,448

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Stephen White (Ceo)	$220,285	$0	$0
Robert Falso (Cfo)	$150,405	$0	$0
William Horne (Chairman)	$12,400	$0	$0
Danny Nesmith (Board Member)	$9,050	$0	$0
Peter Stefanski (Board Member)	$9,050	$0	$0
Robert Delaney (Board Treasurer)	$9,050	$0	$0
Stephen Scales (Board Member)	$9,050	$0	$0
Dawn Smith (Board Member)	$7,850	$0	$0
Joseph Ritacco (Board Member)	$7,850	$0	$0
Ruth Foster Morgan (Board Member)	$7,850	$0	$0
William Quirk (Board Member)	$7,850	$0	$0
Sean Mcgill (Board Member)	$7,600	$0	$0
Paul Marsiglio (Board Member)	$7,100	$0	$0
Sheila Beattie (Board Member)	$6,017	$0	$0
Scott Harold (Supervisory Committee)	$5,850	$0	$0
Joseph Limani (Board Member)	$5,700	$0	$0
Paul Gencarella (Supervisory Committee)	$5,650	$0	$0
Steve Iacoi (Supervisory Committee)	$5,650	$0	$0
David Sayles (Board Member)	$3,800	$0	$0
Nicholas Stahl (Supervisory Committee)	$900	$0	$0

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990

Filed on May 8, 2018

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Fiscal Year Ending Dec.
2016

Revenue

$11,119,362

Expenses

$9,631,597

Net Income

$1,487,765

Net Assets

$20,976,714

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$10,580,615	95.2%
Investment Income	$243,997	2.2%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$294,750	2.7%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$492,473	5.1%
Professional Fundraising Fees	$0
Other Salaries and Wages	$2,844,918	29.5%

Assets/Debt
Total Assets	$250,342,378
Total Liabilities	$229,365,664
Net Assets	$20,976,714

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Stephen White (Ceo)	$211,256	$0	$0
Robert Falso (Cfo)	$146,667	$0	$0
William Horne (Chairman)	$12,650	$0	$0
Stephen Scales (Board Member)	$9,950	$0	$0
Peter Stefanski (Board Member)	$9,350	$0	$0
Robert Delaney (Board Treasurer)	$9,050	$0	$0
Danny Nesmith (Board Member)	$9,050	$0	$0
Ruth Foster Morgan (Board Member)	$8,450	$0	$0
William Quirk (Board Member)	$7,850	$0	$0
David Sayles (Board Member)	$7,850	$0	$0
Joseph Ritacco (Board Member)	$7,850	$0	$0
Dawn Smith (Board Member)	$7,850	$0	$0
Sean Mcgill (Board Member)	$7,600	$0	$0
Joseph Limani (Board Member)	$7,600	$0	$0
Paul Marsiglio (Board Member)	$6,850	$0	$0
Sheila Beattie (Board Member)	$5,650	$0	$0
Scott Harold (Board Member)	$5,650	$0	$0
Steve Iacoi (Board Member)	$5,650	$0	$0
Paul Gencarella (Board Member)	$5,650	$0	$0

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990

Filed on May 11, 2017

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Fiscal Year Ending Dec.
2015

Revenue

$10,563,677

Expenses

$9,354,436

Net Income

$1,209,241

Net Assets

$19,570,021

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$10,137,277	96.0%
Investment Income	$345,025	3.3%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$81,375	0.8%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$627,675	6.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$2,656,587	28.4%

Assets/Debt
Total Assets	$232,806,172
Total Liabilities	$213,236,151
Net Assets	$19,570,021

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Robert Falso (Cfo)	$292,625	$0	$0
Stephen White (Ceo)	$200,750	$0	$0
William Horne (Chairman)	$12,650	$0	$0
Stephen Scales (Board Member)	$10,850	$0	$0
Robert Delaney (Board Treasurer)	$9,050	$0	$0
Ruth Foster Morgan (Board Member)	$9,050	$0	$0
Danny Nesmith (Board Member)	$9,050	$0	$0
David Sayles (Board Member)	$7,850	$0	$0
Joseph Ritacco (Board Member)	$7,850	$0	$0
Peter Stefanski (Board Member)	$7,850	$0	$0
Dawn Smith (Board Member)	$7,850	$0	$0
Joseph Limani (Board Member)	$7,600	$0	$0
William Quirk (Board Member)	$7,600	$0	$0
Sean Mcgill (Board Member)	$7,300	$0	$0
Paul Marsiglio (Board Member)	$6,850	$0	$0
Sheila Beattie (Board Member)	$5,650	$0	$0
Scott Harold (Board Member)	$5,650	$0	$0
Steve Iacoi (Board Member)	$5,650	$0	$0
Paul Gencarella (Board Member)	$4,050	$0	$0
James Gleason (Board Member)	$1,900	$0	$0

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990

Filed on May 19, 2016

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Fiscal Year Ending Dec.
2014

Revenue

$10,390,886

Expenses

$9,004,360

Net Income

$1,386,526

Net Assets

$18,829,034

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$9,849,910	94.8%
Investment Income	$432,285	4.2%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$108,691	1.0%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$308,796	3.4%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$225,145,294
Total Liabilities	$206,316,260
Net Assets	$18,829,034

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Stephen White (Ceo)	$181,291	$0	$0
Robert Falso (Cfo)	$127,506	$0	$0
William Horne (Chairman)	$12,650	$0	$0
Stephen Scales (Board Member)	$10,850	$0	$0
Robert Delaney (Board Treasurer)	$9,050	$0	$0
Ruth Foster Morgan (Board Member)	$9,050	$0	$0
Danny Nesmith (Board Member)	$9,050	$0	$0
James Gleason (Board Member)	$7,850	$0	$0
Joseph Limani (Board Member)	$7,850	$0	$0
William Quirk (Board Member)	$7,850	$0	$0
David Sayles (Board Member)	$7,850	$0	$0
Peter Stefanski (Board Member)	$7,850	$0	$0
Joseph Ritacco (Board Member)	$7,600	$0	$0
Dawn Smith (Board Member)	$7,300	$0	$0
Paul Marsiglio (Board Member)	$6,850	$0	$0
Sheila Beattie (Board Member)	$5,650	$0	$0
Sean Mcgill (Board Member)	$5,650	$0	$0
Steve Iacoi (Board Member)	$5,650	$0	$0
Scott Harold (Board Member)	$4,300	$0	$0

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990

Filed on May 11, 2015

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Fiscal Year Ending Dec.
2013

Revenue

$10,151,439

Expenses

$9,079,402

Net Income

$1,072,037

Net Assets

$18,110,309

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$9,773,991	96.3%
Investment Income	$348,613	3.4%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$28,835	0.3%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$530,612	5.8%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$224,435,728
Total Liabilities	$206,325,419
Net Assets	$18,110,309

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Stephen White (Ceo)	$410,076	$0	$0
Robert Falso (Cfo)	$120,536	$0	$0
William Horne (Chairman)	$12,650	$0	$0
Stephen Scales (Board Member)	$10,850	$0	$0
Ruth Foster Morgan (Board Member)	$9,050	$0	$0
Danny Nesmith (Board Member)	$9,050	$0	$0
Robert Delaney (Board Treasurer)	$8,800	$0	$0
James Gleason (Board Member)	$7,850	$0	$0
Joseph Limani (Board Member)	$7,850	$0	$0
William Quirk (Board Member)	$7,850	$0	$0
David Sayles (Board Member)	$7,850	$0	$0
Joseph Ritacco (Board Member)	$7,600	$0	$0
Peter Stefanski (Board Member)	$7,600	$0	$0
Paul Marsiglio (Board Member)	$6,550	$0	$0
Melissa Hill Busch (Board Member)	$5,700	$0	$0
Sheila Beattie (Board Member)	$5,650	$0	$0
Sean Mcgill (Board Member)	$5,650	$0	$0
Dawn Smith (Board Member)	$5,650	$0	$0
Steve Iacoi (Board Member)	$4,300	$0	$0

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990

Filed on May 7, 2014

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Fiscal Year Ending Dec.
2012

Revenue

$10,756,854

Expenses

$10,546,474

Net Income

$210,380

Net Assets

$16,232,380

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$9,924,498	92.3%
Investment Income	$603,219	5.6%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$229,137	2.1%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$311,718	3.0%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$215,449,318
Total Liabilities	$199,216,938
Net Assets	$16,232,380

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Revenue

$11,637,106

Expenses

$11,544,159

Net Income

$92,947

Net Assets

$14,954,045

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$10,276,509	88.3%
Investment Income	$713,870	6.1%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$646,727	5.6%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$0
Professional Fundraising Fees	$0
Other Salaries and Wages	$2,654,917	23.0%

Assets/Debt
Total Assets	$210,540,210
Total Liabilities	$195,586,165
Net Assets	$14,954,045

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

PDF (2 of 2)

Fiscal Year Ending Dec.
2004

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

Raw filing data. Includes EINs and summary financials as structured data.
Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

Updated December 2, 2024

Westerly Community Credit Union

Organization summary

Type of Nonprofit

Summary charts: organization finances over time

Revenue $22.9M (2023)

Expenses $21.2M (2023)

Total Assets $469M (2023)

Total Liabilities $433M (2023)

Tax Filings by Year

Fiscal Year Ending Dec. 2023

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2022

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2021

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2020

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2019

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2018

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2017

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2016

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2015

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2014

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2013

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

Revenue

$22.9M (2023)

Expenses

$21.2M (2023)

Total Assets

$469M (2023)

Total Liabilities

$433M (2023)

Fiscal Year Ending Dec.
2023

Fiscal Year Ending Dec.
2022

Fiscal Year Ending Dec.
2021

Fiscal Year Ending Dec.
2020

Fiscal Year Ending Dec.
2019

Fiscal Year Ending Dec.
2018

Fiscal Year Ending Dec.
2017

Fiscal Year Ending Dec.
2016

Fiscal Year Ending Dec.
2015

Fiscal Year Ending Dec.
2014

Fiscal Year Ending Dec.
2013

Fiscal Year Ending Dec.
2012

Fiscal Year Ending Dec.
2011

Fiscal Year Ending Dec.
2010

Fiscal Year Ending Dec.
2009

Fiscal Year Ending Dec.
2008

Fiscal Year Ending Dec.
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Fiscal Year Ending Dec.
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Fiscal Year Ending Dec.
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Fiscal Year Ending Dec.
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