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PEOPLES CREDIT UNION

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Public IRS 990 nonprofit record

PEOPLES CREDIT UNION

EIN 05-0198580 · Arts, Culture & Humanities (A)

What they do

The Priority of Peoples Credit Union is to Offer Value Added Products and Services for The Benefit of Our Existing and Prospective Members. We Are Committed to Providing Convenient Delivery of Our Products and Services In A Friendly, Welcoming, and Responsive Environment. to Ensure Ongoing Confidence and Trust, We Will Continue to Promote Our Financial Strength As An Organization.

Before you give

Should I give to this charity?

Easy charity check
We do not have enough spending detail

Basic public information is available, but it is not enough to judge how well donations are used. Ask the charity for a current spending breakdown and results.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2025The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders18 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

$95.53spent for every $100 of revenueRevenue covered expenses this year.
$21.63in assets for every $1 spent this yearSome assets cannot be spent right away.

Ask these three easy questions

  1. Who did you help? Ask for a recent story or report that shows real results.
  2. What will my money do? Ask exactly what your gift will pay for.
  3. Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $490,997 for SEAN DALY (HEAD OF PEOPLES CREDIT UNION). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2025

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

Money in and money out

Revenue$39,099,623
Expenses$37,350,618
Annual surplus $1,749,005 Revenue was higher than expenses for this filing year.
See all reported dollar amounts
Revenue$39,099,623
Expenses$37,350,618
Assets$807,987,071
Income$39,120,004
Grants given$272,350
Average grant$20,950
Stocks and bonds$51,768,258
Accounting fees$266,028
People

Leadership and board

Tax year 2025

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation
SEAN DALYHEAD OF PEOPLES CREDIT UNION · 40 hrs/week $490,997Base $480,497 · Other $10,500
WILLIAM DEWITTHEAD OF MEMBER DELIVERY & MARKETING · 40 hrs/week $300,235Base $259,367 · Other $40,868
TIMOTHY JERMAINHEAD OF LENDING · 40 hrs/week $291,896Base $262,751 · Other $29,145
PATRICIA CARLINHEAD OF FINANCE & RISK · 40 hrs/week $264,142Base $256,033 · Other $8,109
KAREN PARENTHEAD OF HUMAN RESOURCES & TALENT · 40 hrs/week $241,419Base $205,117 · Other $36,302
TERRI RAYMONDHEAD OF RETAIL · 40 hrs/week $207,540Base $189,012 · Other $18,528
CHRISTOPHER EDENHEAD OF INFORMATION SECURITY & TECH. · 40 hrs/week $196,116Base $180,661 · Other $15,455
CHRISTOPHER S OTTIANO MDBOARD CHAIR · 2 hrs/week $14,800
TONI LYN MCGOWANBOARD SECRETARY · 2 hrs/week $12,800
THOMAS VIGNALIBOARD TREASURER · 2 hrs/week $12,800
EDWARD T LOPES JRBOARD VICE-CHAIR · 2 hrs/week $12,400
WILLIAM L DOUGLAS JRBOARD MEMBER · 2 hrs/week $10,800

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (18)

SEAN DALYHEAD OF PEOPLES CREDIT UNION

WILLIAM DEWITTHEAD OF MEMBER DELIVERY & MARKETING

TIMOTHY JERMAINHEAD OF LENDING

PATRICIA CARLINHEAD OF FINANCE & RISK

KAREN PARENTHEAD OF HUMAN RESOURCES & TALENT

TERRI RAYMONDHEAD OF RETAIL

CHRISTOPHER EDENHEAD OF INFORMATION SECURITY & TECH.

CHRISTOPHER S OTTIANO MDBOARD CHAIR

TONI LYN MCGOWANBOARD SECRETARY

THOMAS VIGNALIBOARD TREASURER

EDWARD T LOPES JRBOARD VICE-CHAIR

WILLIAM L DOUGLAS JRBOARD MEMBER

TERRI MARCUCCI FITCHBOARD MEMBER

STEVEN KOZLOWSKIBOARD MEMBER

JOHN TRIFEROBOARD MEMBER

FRANK NEWSOMEBOARD MEMBER

ALYSON ADKINSBOARD MEMBER

TIMOTHY J DELGIUDICEBOARD MEMBER

About this charity

Recognized since
January 1956
Location
858 West Main Road, Middletown, RI 02842
County
Newport
In care of
Sean Daly
Primary officer
Sean Daly, Head of Finance and Risk

How to reach them

Filing and classification

Latest tax year
2025
Tax period began
January 1, 2025
Return type
990
Tax preparer
BERRY DUNN MCNEIL & PARKER LLC
NTEE classification
Arts, Culture & Humanities (A)
IRS tax category
Arts, Culture & Humanities
Grant-giving organization
Yes

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About this report: Information comes from public nonprofit records and may show the latest filing available.

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