COOPERATIVA DE AHORRO Y CREDITO HATILLO (EIN 660237982) - 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

1958

Legal Domicile

Principal Officer

DANESKY

Phone

7878983735

Tax Period

2024-07-01 to 2025-06-30

COOPERATIVA DE AHORRO Y CREDITO HATILLO, founded in 1958, is a community nonprofit that reported $9.4M in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. The organization ran a surplus of $2.0M, a strong 21% operating margin.

Mission

TO OBTAIN SAVING DEPOSITS FROM ITS MEMBERS AS SHARES AND DEPOSITS AND PROVIDE FINANCING SOURCES IN ACCORDANCE WITH 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 $0

Program Service Revenue $0

Investment Income $8,051,272

Other Revenue $1,358,347

TOTAL REVENUE $9,409,619

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,333,736

Fundraising Expenses $0

Program Expenses $0

Other Expenses $5,114,399

TOTAL EXPENSES $7,448,135

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,409,619	$10,077,612	-0.1%
Expenses	$7,448,135	$6,923,756	+0.1%
Net Income	$1,961,484	$3,153,856	-0.4%

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

Total Directors

Key Employees

$91,589

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DIANETH RAMOS DE JESUS	EXECUTIVE PRESIDENT	50	Highest	$55,094	$0	$55,094
IRIS O DORTA AGUILAR	VP ACCOUNTING	50	Key Emp	$49,772	$0	$49,772
YAHAIRA NIEVES RIVERA	VP OF OPERATIONS	50	Key Emp	$41,817	$0	$41,817

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	$9,409,619	$7,448,135	$152,488,122	$1,961,484
2024	$10,077,612	$6,923,756	$148,356,627	$3,153,856
2023	$7,578,757	$5,708,187	$148,213,137	$1,870,570
2022	$7,701,719	$5,736,927	$149,166,933	$1,964,792
2021	$10,204,313	$9,103,075	$145,726,446	$1,101,238

COOPERATIVA DE AHORRO Y CREDITO HATILLO