COOPERATIVA DE AHORRO Y CREDITO DE ISABELA

EIN: 660214491

ISABELA, PR

Total Revenue
$21,144,677
Total Expenses
$15,831,412
Total Assets
$356,161,803
Net Assets
$119,251,492
🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Sign In — Free (10 views/day)

Financial Trends

Organization Details

Formation Year
1954
Legal Domicile
PR
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 SAVINGS ACCOUNTS AND LOANS TO CREDIT UNION MEMBERS

Program Service Accomplishments

Program 1

TO OFFER SAVINGS AND CREDIT PRODUCTS FOR THE CREDIT UNION MEMBERS

Program 2

OFFER SAVINGS ACCOUNTS AND LOANS TO CREDIT UNION MEMBERS

Program 3

OFFER SAVINGS ACCOUNTS AND LOANS TO CREDIT UNION MEMBERS

🔒

Trantor Score

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

Sign in to view Trantor Score and financial metrics

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

Sign In — Free (10 views/day)

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
🔒

Financial Health Indicators

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

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

Sign In

Governance

Voting Members
13
Independent Members
13
Employees
63
Volunteers
13

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
0
$0
Total Directors
0
$0
Key Employees
1
$252,684
Highest Compensated
1
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
Explore More Nonprofits
→Top 100 Nonprofits in Puerto Rico →Largest U.S. Nonprofits →Best Rated Nonprofits →Most Efficient Nonprofits

Compare COOPERATIVA DE AHORRO Y CREDITO DE ISABELA with other nonprofits in Puerto Rico and across the country.

We Value Your Privacy
We use cookies and similar technologies to analyze site traffic and improve your experience. By clicking "Accept All", you consent to our use of cookies for analytics and measurement.