COOPERATIVA DE AHORRO Y CREDITO DR… - 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

1953

Legal Domicile

Principal Officer

SAHILY N RIVAS OLIVERAS

Phone

7879934360

Tax Period

2025-01-01 to 2025-12-31

COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA, founded in 1953, is a mid-sized nonprofit that reported $15.9M in total revenue in fiscal year 2025. The organization ran a surplus of $3.9M, a strong 25% operating margin.

Mission

TO OBTAIN SAVING DEPOSITS FROM ITS MEMBERS AS SHARE AND DEPOSITS AND OFFER FINANCING SOURCES FOLLOWING THE COOPERATIVE MOVEMENT PHILOSOPHY.

Program Service Accomplishments

Program 1

Expenses: $0 Revenue: $0

INTEREST INCOME AND OTHER INCOME OF 15,944,411 AND TOTAL EXPENSES OF 12,034,401.

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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 $428,333

Program Service Revenue $0

Investment Income $14,237,658

Other Revenue $1,278,420

TOTAL REVENUE $15,944,411

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,195,572

Fundraising Expenses $0

Program Expenses $0

Other Expenses $8,838,829

TOTAL EXPENSES $12,034,401

Year-over-Year Comparison

	2025	2024	Change
Revenue	$15,944,411	$16,401,971	0.0%
Expenses	$12,034,401	$12,276,346	0.0%
Net Income	$3,910,010	$4,125,625	-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

$75,618

Total Directors

Key Employees

$234,493

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SAHILY N RIVAS OLIVERAS	EXECUTIVE PRESIDENT	50.00	Highest	$136,148	$6,093	$142,241
XIOMARA ROSADO RIVERA	MANAGER	50.00	Key Emp	$74,475	$3,458	$77,933
JUAN L RODRIGUEZ SOTO	COMPTROLLER	50.00	Key Emp	$71,640	$7,207	$78,847
ADALIS RIVERA ALVAREZ	CREDIT DIRECTOR	50.00	Key Emp	$74,255	$3,458	$77,713
JOSE ROMAN ACEVEDO	OPERATION DIRECTOR	50.00	Officer	$72,160	$3,458	$75,618

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	$15,944,411	$12,034,401	$285,772,439	$3,910,010
2024	$16,401,971	$12,276,346	$276,177,412	$4,125,625
2023	$16,104,186	$10,299,360	$275,358,165	$5,804,826
2022	$11,452,610	$8,905,119	$274,854,644	$2,547,491
2021	$11,746,637	$9,353,852	$269,257,849	$2,392,785
2020	$10,322,702	$9,580,820	$240,085,334	$741,882
2019	$9,294,919	$7,728,240	$205,915,825	$1,566,679

COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA