COOPERATIVA DE AHORRO Y CREDITO DE ISABELA (EIN 660214491) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1954

Legal Domicile

Principal Officer

Luis A Perez Hernandez CPA

Phone

7878722265

Tax Period

2023-01-01 to 2023-12-31

COOPERATIVA DE AHORRO Y CREDITO DE ISABELA, founded in 1954, is a mid-sized nonprofit that reported $21.1M in total revenue in fiscal year 2023. Revenue surged 50% from the prior year, signaling strong growth momentum. The organization ran a surplus of $5.3M, a strong 25% operating margin.

Mission

OFFER LOANS TO CREDIT UNION MEMBERS. ANY NET INCOME AND SURPLUS PROVIDED FORM OPERATIONS IS DISTRIBUTED AMONG MEMBERS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $21,144,677

Investment Income $0

Other Revenue $0

TOTAL REVENUE $21,144,677

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,312,460

Fundraising Expenses $0

Program Expenses $0

Other Expenses $12,518,952

TOTAL EXPENSES $15,831,412

Year-over-Year Comparison

	2023	2022	Change
Revenue	$21,144,677	$14,103,746	+0.5%
Expenses	$15,831,412	$12,205,860	+0.3%
Net Income	$5,313,265	$1,897,886	+1.8%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✗ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

$252,684

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LUIS A PEREZ HERNANDEZ	CEO	40	Key Emp Highest	$252,684	$0	$252,684

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$21,144,677	$15,831,412	$356,161,803	$5,313,265
2022	$14,103,746	$12,205,860	$359,459,273	$1,897,886
2021	$13,991,392	$12,529,674	$367,825,812	$1,461,718
2020	$14,688,648	$13,414,334	$353,368,534	$1,274,314
2019	$14,428,836	$13,144,663	$312,356,717	$1,284,173

COOPERATIVA DE AHORRO Y CREDITO DE ISABELA