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WESTERLY COMMUNITY CREDIT UNION

EIN 05-0255222 WAKEFIELD, RI

Browse the largest nonprofits in Rhode Island

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 Stefanski

    CHAIRPERSON

    Total calculated
    $14,725
    From this org
    $14,725
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Steven Scales

    VICE CHAIRPERSON

    Total calculated
    $11,125
    From this org
    $11,125
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Robert Delaney

    BOARD TREASURER

    Total calculated
    $11,125
    From this org
    $11,125
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • William Quirk

    BOARD SECRETARY

    Total calculated
    $11,125
    From this org
    $11,125
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Sheilia Terranova-Beattie

    BOARD MEMBER

    Total calculated
    $9,925
    From this org
    $9,925
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Scott Harold

    BOARD MEMBER

    Total calculated
    $9,925
    From this org
    $9,925
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Stephen J Iacoi

    BOARD MEMBER

    Total calculated
    $9,925
    From this org
    $9,925
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Paul Marsiglio

    BOARD MEMBER

    Total calculated
    $9,925
    From this org
    $9,925
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Joseph Ritacco

    BOARD MEMBER

    Total calculated
    $9,925
    From this org
    $9,925
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Dawn Smith

    BOARD MEMBER

    Total calculated
    $9,925
    From this org
    $9,925
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Paul Gencarella

    SUPERVISORY COMMITTEE CHAI

    Total calculated
    $9,325
    From this org
    $9,325
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Danny Nesmith

    SUPERVISORY COMMITTEE MEMB

    Total calculated
    $8,525
    From this org
    $8,525
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Nicholas Stahl

    SUPERVISORY COMMITTEE MEMB

    Total calculated
    $8,525
    From this org
    $8,525
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Kristin Martino

    SUPERVISORY COMMITTEE MEMB

    Total calculated
    $8,525
    From this org
    $8,525
    From related orgs
    $0
    Other
    $0
    Hours/week
    1
  • Stephen 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 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 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 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 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 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 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 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 Melchione

    BUSINESS DEVELOPMENT OFFICER

    Total calculated
    $123,740
    From this org
    $116,656
    From related orgs
    $0
    Other
    $7,084
    Hours/week
    40
  • Alycia 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 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

Where these grants went next →

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.