- Revenue 2025
- $28,666,146
- Expenses 2025
- $24,750,823
As filed
- Subsection
- 14
- Classification
- 1000
- Street
- 4979 TOWER HILL RD
These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).
Mission and programs · 2025
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.
Activities or mission (Part I)
PROVIDE HIGH QUALITY, LOW COST, FINANCIAL SERVICES TO IMPROVE THE FINANCIAL WELLBEING OF MEMBERS.
-
NOT REQUIRED.
As filed on the 2025 return.
Officers and directors · 2025
As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.
-
Peter StefanskiPETER STEFANSKI
CHAIRPERSON
- Total calculated
- $14,725
- From this org
- $14,725
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Steven ScalesSTEVEN SCALES
VICE CHAIRPERSON
- Total calculated
- $11,125
- From this org
- $11,125
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Robert DelaneyROBERT DELANEY
BOARD TREASURER
- Total calculated
- $11,125
- From this org
- $11,125
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
William QuirkWILLIAM QUIRK
BOARD SECRETARY
- Total calculated
- $11,125
- From this org
- $11,125
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Sheilia Terranova-BeattieSHEILIA TERRANOVA-BEATTIE
BOARD MEMBER
- Total calculated
- $9,925
- From this org
- $9,925
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Scott HaroldSCOTT HAROLD
BOARD MEMBER
- Total calculated
- $9,925
- From this org
- $9,925
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Stephen J IacoiSTEPHEN J IACOI
BOARD MEMBER
- Total calculated
- $9,925
- From this org
- $9,925
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Paul MarsiglioPAUL MARSIGLIO
BOARD MEMBER
- Total calculated
- $9,925
- From this org
- $9,925
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Joseph RitaccoJOSEPH RITACCO
BOARD MEMBER
- Total calculated
- $9,925
- From this org
- $9,925
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Dawn SmithDAWN SMITH
BOARD MEMBER
- Total calculated
- $9,925
- From this org
- $9,925
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Paul GencarellaPAUL GENCARELLA
SUPERVISORY COMMITTEE CHAI
- Total calculated
- $9,325
- From this org
- $9,325
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Danny NesmithDANNY NESMITH
SUPERVISORY COMMITTEE MEMB
- Total calculated
- $8,525
- From this org
- $8,525
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Nicholas StahlNICHOLAS STAHL
SUPERVISORY COMMITTEE MEMB
- Total calculated
- $8,525
- From this org
- $8,525
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Kristin MartinoKRISTIN MARTINO
SUPERVISORY COMMITTEE MEMB
- Total calculated
- $8,525
- From this org
- $8,525
- From related orgs
- $0
- Other
- $0
- Hours/week
- 1
-
Stephen WhiteSTEPHEN WHITE
CEO
- Total calculated
- $451,366
- From this org
- $409,172
- From related orgs
- $0
- Other
- $42,194
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $363,337
- Bonus
- $45,835
- Other
- $0
- Deferred
- $19,248
- Nontaxable benefits
- $22,946
- Filer's total
- $451,366
-
Andrew RogersANDREW ROGERS
PRESIDENT
- Total calculated
- $312,343
- From this org
- $296,908
- From related orgs
- $0
- Other
- $15,435
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $277,803
- Bonus
- $19,105
- Other
- $0
- Deferred
- $14,817
- Nontaxable benefits
- $618
- Filer's total
- $312,343
-
Margaret SiscoMARGARET SISCO
CXO
- Total calculated
- $262,826
- From this org
- $222,299
- From related orgs
- $0
- Other
- $40,527
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $205,931
- Bonus
- $16,368
- Other
- $0
- Deferred
- $12,288
- Nontaxable benefits
- $28,239
- Filer's total
- $262,826
-
Richard ChampRICHARD CHAMP
VP OF COMMERCIAL LENDING
- Total calculated
- $223,234
- From this org
- $179,853
- From related orgs
- $0
- Other
- $43,381
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $165,861
- Bonus
- $13,992
- Other
- $0
- Deferred
- $11,080
- Nontaxable benefits
- $32,301
- Filer's total
- $223,234
-
Aaron ClarkAARON CLARK
CFO
- Total calculated
- $199,137
- From this org
- $179,958
- From related orgs
- $0
- Other
- $19,179
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $165,848
- Bonus
- $14,110
- Other
- $0
- Deferred
- $10,235
- Nontaxable benefits
- $8,944
- Filer's total
- $199,137
-
James MaloneyJAMES MALONEY
VP OF CONSUMER AND MORTGAGE LENDING
- Total calculated
- $174,518
- From this org
- $168,931
- From related orgs
- $0
- Other
- $5,587
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $158,176
- Bonus
- $10,755
- Other
- $0
- Deferred
- $5,047
- Nontaxable benefits
- $540
- Filer's total
- $174,518
-
Gwendolyn GencarellliGWENDOLYN GENCARELLLI
VP OF FINANCIAL SERVICES
- Total calculated
- $161,526
- From this org
- $134,524
- From related orgs
- $0
- Other
- $27,002
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $124,325
- Bonus
- $10,199
- Other
- $0
- Deferred
- $6,141
- Nontaxable benefits
- $20,861
- Filer's total
- $161,526
-
Joseph StoyJOSEPH STOY
IT DIRECTOR
- Total calculated
- $182,394
- From this org
- $144,875
- From related orgs
- $0
- Other
- $37,519
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $132,705
- Bonus
- $12,170
- Other
- $0
- Deferred
- $9,062
- Nontaxable benefits
- $28,457
- Filer's total
- $182,394
-
Shannon MelchioneSHANNON MELCHIONE
BUSINESS DEVELOPMENT OFFICER
- Total calculated
- $123,740
- From this org
- $116,656
- From related orgs
- $0
- Other
- $7,084
- Hours/week
- 40
-
Alycia MarandloaALYCIA MARANDLOA
DIRECTOR OF HUMAN RESOURCES
- Total calculated
- $145,248
- From this org
- $109,075
- From related orgs
- $0
- Other
- $36,173
- Hours/week
- 40
-
Laura DonohueLAURA DONOHUE
CONTROLLER
- Total calculated
- $135,670
- From this org
- $114,496
- From related orgs
- $0
- Other
- $21,174
- Hours/week
- 40
The first 25 listed. Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.
Filings
-
2025
- Revenue
- $28,666,146
- Expenses
- $24,750,823
- Contributions
- $0
- Grants paid
- $148,073
-
2024
- Revenue
- $25,769,590
- Expenses
- $24,323,161
- Contributions
- $0
- Grants paid
- $0
-
2023
- Revenue
- $22,886,086
- Expenses
- $21,225,344
- Contributions
- $0
- Grants paid
- $0
-
2022
- Revenue
- $18,312,399
- Expenses
- $14,838,035
- Contributions
- $0
- Grants paid
- $0
The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.
Other returns filed
-
2021 · 990
- Revenue
- $17,253,972
- Expenses
- $12,808,141
- Assets (EOY)
- $412,210,779
-
2020 · 990
- Revenue
- $15,367,113
- Expenses
- $12,532,611
- Assets (EOY)
- $367,124,004
-
2019 · 990
- Revenue
- $14,891,523
- Expenses
- $12,452,505
- Assets (EOY)
- $326,735,039
-
2018 · 990
- Revenue
- $12,957,127
- Expenses
- $10,849,855
- Assets (EOY)
- $295,300,249
-
2017 · 990
- Revenue
- $11,821,792
- Expenses
- $10,109,137
- Assets (EOY)
- $271,125,389
-
2016 · 990
- Revenue
- $11,119,362
- Expenses
- $9,631,597
- Assets (EOY)
- $250,342,378
-
2015 · 990
- Revenue
- $10,563,677
- Expenses
- $9,354,436
- Assets (EOY)
- $232,806,172
-
2014 · 990
- Revenue
- $10,390,886
- Expenses
- $9,004,360
- Assets (EOY)
- $225,145,294
-
2013 · 990
- Revenue
- $10,151,439
- Expenses
- $9,079,402
- Assets (EOY)
- $224,435,728
-
2012 · 990
- Revenue
- not reported
- Expenses
- $10,546,474
- Assets (EOY)
- $215,449,318
Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.
Grants made
-
2025 CAPITAL CAMPAIGN
-
$20,000
2025 CAPITAL CAMPAIGN
-
$15,000
2025 PROPERTY REHABILITATION
Grants received
No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.
Other IRS files
Auto-Revocation List
Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.
Publication 78
Not present in the most recent drop.
These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.
What this page reflects
The registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.