COOPERATIVA DE AHORRO Y CREDITO DE CAMUY

EIN: 660219584

CAMUY, PR

Total Revenue
$24,457,120
Total Expenses
$17,589,858
Total Assets
$359,446,053
Net Assets
$103,246,022
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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
PR
Principal Officer
MICHELLE FRANQUI
Phone
7878984930
Tax Period
2025-01-01 to 2025-12-31

COOPERATIVA DE AHORRO Y CREDITO DE CAMUY, founded in 1954, is a mid-sized nonprofit that reported $24.5M in total revenue in fiscal year 2025. The organization ran a surplus of $6.9M, a strong 28% operating margin.

Mission

TO PROVIDE FINANCIAL SERVICES AS LOANS SAVINGS AND ACCOUNTS MAINLY TO LOW INCOME SECTOR OF PEOPLE IN PUERTO RICO. ALSO CREDIT UNION MAKE A SOCIAL INVESMENT IN THE COMMUNITY.

Program Service Accomplishments

Program 1
Expenses: $0 Revenue: $0

INTEREST INCOME AND OTHER INCOME OF 24,457,120 AND TOTAL EXPENSES OF 17,589,858.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $0
Investment Income $21,152,678
Other Revenue $3,304,442
TOTAL REVENUE $24,457,120

Expense Breakdown

Grants Paid $0
Salaries & Benefits $4,656,586
Fundraising Expenses $0
Program Expenses $0
Other Expenses $12,933,272
TOTAL EXPENSES $17,589,858

Year-over-Year Comparison

2025 2024 Change
Revenue $24,457,120 $24,863,696 0.0%
Expenses $17,589,858 $15,993,808 +0.1%
Net Income $6,867,262 $8,869,888 -0.2%
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

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Financial Distress Indicator

Liquidity & Cash Position

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Governance

Voting Members
9
Independent Members
9
Employees
90
Volunteers
12

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
9
$0
Key Employees
3
$535,077
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
MICHELE FRANQUI BAQUERO EXECUTIVE PRESIDENT 0.00
Key Emp
$264,378 $18,506 $282,884
EMMANUEL ROMAN FIGUEROA VICEPRESIDENT OF ADMINISTRATION 0.00
Key Emp
$132,078 $6,604 $138,682
ALVIN ATILES TOSADO VICEPRESIDENT OF FINANCE 0.00
Key Emp
$106,085 $7,426 $113,511
MARIA L RAMOS NIEVES BOARD PRESIDENT 0.00
Director
$0 $0 $0
YAMILKA SAAVEDRA TOSADO SECRETARY 0.00
Director
$0 $0 $0
IVETTE QUIJANO ROSA DIRECTOR 0.00
Director
$0 $0 $0
MAYRA ORTIZ RUIZ SUB-SECRETARY 0.00
Director
$0 $0 $0
CARLOS A MORALES MORELL DIRECTOR 0.00
Director
$0 $0 $0
ANA J CORDERO ROSADO DIRECTOR 0.00
Director
$0 $0 $0
JUAN SONERA GONZALEZ DIRECTOR 0.00
Director
$0 $0 $0
JOSE F RUIZ RAMOS VP OF BOARD OF DIRECTOR 0.00
Director
$0 $0 $0
SONIA CHICO VELEZ DIRECTOR 0.00
Director
$0 $0 $0
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 $24,457,120 $17,589,858 $359,446,053 $6,867,262
2024 $24,863,696 $15,993,808 $333,141,476 $8,869,888
2023 $20,587,482 $13,653,220 $320,383,128 $6,934,262
2022 $15,010,171 $10,479,884 $290,823,177 $4,530,287
2021 $14,864,863 $9,593,850 $291,444,292 $5,271,013
2020 $10,831,806 $8,241,044 $217,010,002 $2,590,762
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