Credit union · NCUA insured
Westerly Community Credit Union
A $511.4M credit union headquartered in Wakefield, RI, with 21,705 members and 5 branches in Rhode Island. Best rates: CDs 3.65% and savings 3.00% APY.
Westerly Community Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#18 of 44 in Providence, RI-MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Westerly Community Credit Union
Founded in 1948 by a group in Westerly, Rhode Island pooling their assets, Westerly Community Credit Union is a not-for-profit financial collective 100% owned by all its members.
The credit union operates five branches, with locations in Westerly, Richmond, Wakefield, and Coventry, Rhode Island.
- Headquarters
- 4979 Tower Hill Rd, Wakefield, RI 02879-2283
- NCUA charter
- 67270
Branches
5 branches in Rhode Island
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Rhode Island
5 branches
- Wakefield Branch & Operation CenterMain office4979 Tower Hill Rd, Wakefield, RI 02879Directions
- Coventry Branch2405 Nooseneck Hill Rd, Coventry, RI 02816Directions
- Dunn's Corner Branch244 Post Rd, Westerly, RI 02891Directions
- Granite Street Office122 Granite St, Westerly, RI 02891Directions
- Richmond Branch64 Kingstown Rd, Wyoming, RI 02898Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.44% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.21% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.76% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $94 | $76 | — |
- CapitalNet worth ratio9.44%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.21%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$94Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Westerly Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.