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

FERNANDO L FIGUEROA RIVERA

Phone

7877357474

Tax Period

2025-01-01 to 2025-12-31

COOPERATIVA DE AHORRO Y CREDITO SAN JOSE, founded in 1957, is a mid-sized nonprofit that reported $23.2M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $5.1M, a strong 22% operating margin.

Mission

IT'S A COOPERATIVE LOAN AND SAVINGS ASSOCIATION.

Program Service Accomplishments

Program 1

Expenses: $12,771,801 Revenue: $23,248,058

THE ORGANIZATION ACCOMPLISHES ITS PURPOSES BY MAKING AVAILABLE SAVINGS AND CREDIT AFFORDABLE TO ITS MEMBERS.

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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 $14,776,321

Investment Income $4,391,088

Other Revenue $4,080,649

TOTAL REVENUE $23,248,058

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,367,561

Fundraising Expenses $0

Program Expenses $12,771,801

Other Expenses $13,746,153

TOTAL EXPENSES $18,113,714

Year-over-Year Comparison

	2025	2024	Change
Revenue	$23,248,058	$21,386,623	+0.1%
Expenses	$18,113,714	$16,900,437	+0.1%
Net Income	$5,134,344	$4,486,186	+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

N/A

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

$1,287,607

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICKY BERRIOS FIGUEROA	CEO	40	Officer	$203,456	$0	$203,456
YAHAIRA SANTIAGO ANDALUZ	EXECUTIVE VICE-PRESIDENT	40	Officer	$102,620	$0	$102,620
FERNANDO L FIGUEROA RIVERA	FINANCIAL OFFICER	40	Officer	$89,060	$0	$89,060
LESTER GUZMAN TIRADO	AUDITOR MANAGER	40	Officer	$78,492	$0	$78,492
GLENDA I RIVERA ORTIZ	OPERATIONS OFFICER	40	Officer	$69,008	$0	$69,008
EDANISE SANTIAGO ORTIZ	MANAGER	40	Officer	$66,912	$0	$66,912
CARLOS H RODRIGUEZ NIEVES	MANAGER	40	Officer	$65,647	$0	$65,647
JASON CALDERA TORRES	MANAGER	40	Officer	$65,598	$0	$65,598
LUZ E ORTIZ ROSARIO	COMPLIANCE OFFICER	40	Officer	$65,350	$0	$65,350
ABIMAEL GONZALEZ ROLON	SYSTEM OFFICER	40	Officer	$56,318	$0	$56,318
HECTOR DE JESUS NUNEZ	SYSTEM OFFICER	40.00	Officer	$55,772	$0	$55,772
LAURIMAR BERRIOS ROSARIO	OPERATIONS OFFICER	40	Officer	$52,102	$0	$52,102
SARID BERMUDEZ VAZQUEZ	OPERATIONS OFFICER	40	Officer	$49,402	$0	$49,402
JOHANNA SEGARRA ORTIZ	OPERATIONS OFFICER	40	Officer	$45,523	$0	$45,523
GRISEL DEL VALLE RIVERA	OPERATION OFFICIAL	40	Officer	$45,395	$0	$45,395
YORIMAR DIAZ ORTIZ	COLLECTION SUPERVISOR	40	Officer	$42,718	$0	$42,718
ANA ELSA ALICEA COLLAZO	REGISTER SUPERVISOR	40	Officer	$41,856	$0	$41,856
IVETTE M CARTAGENA RIVERA	HUMAN RESOURCES OFFICER	40	Officer	$40,237	$0	$40,237
FELIX X MORALES COLON	SYSTEMS OFFICER	40	Officer	$38,411	$0	$38,411
EDGARDO RODRIGUEZ MORALES	PRESIDENT BOARD OF DIRECTORS	4	Officer	$0	$5,288	$5,288
EVELYN QUILES ROSARIO	DIRECTOR BOARD OF DIRECTOR	4	Officer	$0	$2,362	$2,362
CARLOS G VAZQUEZ CARTAGENA	SUB TREASURER BOARD OF DIRECTOR	4	Officer	$0	$1,280	$1,280
RAFAEL SANTOS BALIBREA	TREASURER BOARD OF DIRECTOR	4	Officer	$0	$1,160	$1,160
CARLOS HERNANDEZ ROSARIO	VICE PRESIDENT BOARD OF DIRECTOR	4	Officer	$0	$930	$930
ESTHER COLON ROCHE	SECRETARY BOARD OF DIRECTOR	4	Officer	$0	$880	$880
REINALDO VIDAL LOPEZ	SUB SECRETARY BOARD OF DIRECTOR	4	Officer	$0	$848	$848
JORGE ROSADO	DIRECTOR BOARD OF DIRECTOR	4	Officer	$0	$542	$542
JOSE ROLON	DIRECTOR BOARD OF DIRECTOR	4	Officer	$0	$440	$440

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	$23,248,058	$18,113,714	$326,739,758	$5,134,344
2024	$21,386,623	$16,900,437	$315,802,392	$4,486,186
2023	$21,995,808	$14,350,797	$297,071,118	$7,645,011
2022	$15,562,374	$11,470,820	$271,976,055	$4,091,554
2021	$13,966,516	$11,247,020	$253,903,787	$2,719,496
2020	$11,822,315	$11,084,388	$220,432,676	$737,927

COOPERATIVA DE AHORRO Y CREDITO SAN JOSE