COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA (EIN 660227873) - Form 990 Financial Analysis & Trantor Score

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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

7878152667

Tax Period

2024-01-01 to 2024-12-31

COOPERATIVA DE AHORRO Y CREDITO DR M ZENO GANDIA, founded in 1953, is a mid-sized nonprofit that reported $16.4M in total revenue in fiscal year 2024. The organization ran a surplus of $4.1M, a strong 25% operating margin.

Mission

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

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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 (2024)

Revenue Breakdown

Contributions & Grants $952,101

Program Service Revenue $0

Investment Income $13,438,763

Other Revenue $2,011,107

TOTAL REVENUE $16,401,971

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,057,894

Fundraising Expenses $0

Program Expenses $0

Other Expenses $9,218,452

TOTAL EXPENSES $12,276,346

Year-over-Year Comparison

	2024	2023	Change
Revenue	$16,401,971	$16,104,186	+0.0%
Expenses	$12,276,346	$10,299,360	+0.2%
Net Income	$4,125,625	$5,804,826	-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

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

$129,293

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SAHILY N RIVAS OLIVERAS	EXECUTIVE PRESIDENT	50	Highest	$105,000	$0	$105,000
XIOMARA ROSADO RIVERA	MANAGER	50	Key Emp	$66,893	$0	$66,893
JUAN L RODRIGUEZ SOTO	SUPERVISOR OF FINANCE	50	Key Emp	$62,400	$0	$62,400

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	$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