COOPERATIVA DE AHORRO Y CREDITO SA… - Form 990 Financial Data

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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

1957

Legal Domicile

Principal Officer

SARA JIMENEZ

Phone

7878952050

Tax Period

2025-01-01 to 2025-12-31

COOPERATIVA DE AHORRO Y CREDITO SAN RAFAEL, founded in 1957, is a mid-sized nonprofit that reported $17.2M in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $3.5M, a strong 20% operating margin.

Mission

TO PROMOTE THE SAVING AMONG ITS MEMBERS BY SAVING DEPOSITS AND FINANCING SERVICES.

Program Service Accomplishments

Program 1

Expenses: $0 Revenue: $0

INTEREST INCOME AND OTHER INCOME OF 17,197,361 AND TOTAL EXPENSES OF 13,718,809.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $15,143,290

Other Revenue $2,054,071

TOTAL REVENUE $17,197,361

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,207,917

Fundraising Expenses $0

Program Expenses $0

Other Expenses $10,510,892

TOTAL EXPENSES $13,718,809

Year-over-Year Comparison

	2025	2024	Change
Revenue	$17,197,361	$15,691,285	+0.1%
Expenses	$13,718,809	$11,836,016	+0.2%
Net Income	$3,478,552	$3,855,269	-0.1%

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

$157,948

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SARA M JIMENEZ GONZALEZ	PRESIDENTA EJECUTIVA	55.00	Highest	$153,578	$0	$153,578
ANNIE RODRIGUEZ	VP OPERATIONS	45.00	Key Emp	$83,254	$0	$83,254
LARITZA MILLET TORRES	DIRECTOR OF FINANCE	45.00	Key Emp	$74,694	$0	$74,694

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	$17,197,361	$13,718,809	$232,508,588	$3,478,552
2024	$15,691,285	$11,836,016	$227,586,763	$3,855,269
2023	$20,006,028	$10,185,718	$226,668,640	$9,820,310
2022	$11,862,672	$8,492,097	$218,574,543	$3,370,575
2021	$11,060,077	$8,183,917	$229,762,461	$2,876,160
2020	$10,903,714	$8,201,438	$208,973,468	$2,702,276
2019	$10,686,875	$17,146,710	$179,025,069	$-6,459,835
2018	$10,150,937	$8,592,057	$183,766,613	$1,558,880

COOPERATIVA DE AHORRO Y CREDITO SAN RAFAEL