COOPERATIVA DE AHORRO Y CREDITO DE CAMUY

EIN: 660219584

CAMUY, PR

Total Revenue
$24,863,696
Total Expenses
$15,993,808
Total Assets
$333,141,476
Net Assets
$99,895,207
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1954
Legal Domicile
PR
Phone
7878984930
Tax Period
2024-01-01 to 2024-12-31

COOPERATIVA DE AHORRO Y CREDITO DE CAMUY, founded in 1954, is a mid-sized nonprofit that reported $24.9M in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. The organization ran a surplus of $8.9M, a strong 36% 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.

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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 (2024)

Revenue Breakdown

Contributions & Grants $3,197,097
Program Service Revenue $0
Investment Income $18,829,714
Other Revenue $2,836,885
TOTAL REVENUE $24,863,696

Expense Breakdown

Grants Paid $0
Salaries & Benefits $4,342,422
Fundraising Expenses $0
Program Expenses $0
Other Expenses $11,651,386
TOTAL EXPENSES $15,993,808

Year-over-Year Comparison

2024 2023 Change
Revenue $24,863,696 $20,587,482 +0.2%
Expenses $15,993,808 $13,653,220 +0.2%
Net Income $8,869,888 $6,934,262 +0.3%
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

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Governance

Voting Members
7
Independent Members
7
Employees
88
Volunteers
7

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
7
$0
Key Employees
4
$537,668
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
MICHELE FRANQUI BAQUERO EXECUTIVE PRESIDENT 0.00
Key Emp
$238,849 $0 $238,849
EMMANUEL ROMAN FIGUEROA VICEPRESIDENT OF ADMINISTRATION 0.00
Key Emp
$116,436 $0 $116,436
ALVIN ATILES TOSADO VICEPRESIDENT OF FINANCE 0.00
Key Emp
$100,341 $0 $100,341
NANCY LOPZ QUINONES VICEPRESIDENT OF OPERATIONS 0.00
Key Emp
$82,042 $0 $82,042
MARIA L RAMOS NIEVES BOARD PRESIDENT 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
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
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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