COOPERATIVA DE AHORRO Y CREDITO DE… - 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

1954

Legal Domicile

Principal Officer

MIGUEL A ORTIZ

Phone

7878570250

Tax Period

2025-01-01 to 2025-12-31

COOPERATIVA DE AHORRO Y CREDITO DE BARRANQUITAS, founded in 1954, is a mid-sized nonprofit that reported $33.2M in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $9.3M, a strong 28% operating margin.

Mission

THE ORGANIZATION SAVINGS AND DEPOSITS.

Program Service Accomplishments

Program 1

Expenses: $0 Revenue: $0

INTEREST INCOME AND OTHER INCOME OF 33,223,285 AND TOTAL EXPENSES OF 19,240,921.

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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 $29,757,492

Other Revenue $3,465,793

TOTAL REVENUE $33,223,285

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,772,878

Fundraising Expenses $0

Program Expenses $0

Other Expenses $18,136,345

TOTAL EXPENSES $23,909,223

Year-over-Year Comparison

	2025	2024	Change
Revenue	$33,223,285	$30,630,655	+0.1%
Expenses	$23,909,223	$21,619,114	+0.1%
Net Income	$9,314,062	$9,011,541	+0.0%

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

101

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

$307,858

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIGUEL ORTIZ SANTOS	PRESIDENT	57.00	Highest	$240,592	$7,712	$248,304
ANGEL ORTIZ VAZQUEZ	VP OPERATIONS	40.00	Key Emp	$99,851	$8,177	$108,028
CARMEN TORRES ZAYAS	VP HUMAN RESOURCES	40.00	Key Emp	$102,623	$6,826	$109,449
LUIS GERENA ORTIZ	VP CONTABILIDAD Y FINANZAS	40.00	Key Emp	$87,279	$3,102	$90,381

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	$33,223,285	$23,909,223	$522,414,628	$9,314,062
2024	$30,630,655	$21,619,114	$480,758,189	$9,011,541
2023	$31,231,571	$20,896,132	$469,342,802	$10,335,439
2022	$19,608,978	$16,231,881	$439,753,173	$3,377,097
2021	$17,940,942	$13,693,966	$321,931,771	$4,246,976
2020	$14,637,496	$12,200,674	$283,206,052	$2,436,822
2019	$13,886,163	$12,247,499	$233,803,526	$1,638,664
2018	$12,854,944	$11,795,373	$224,256,586	$1,059,571

COOPERATIVA DE AHORRO Y CREDITO DE BARRANQUITAS