COOPERATIVA DE AHORRO Y CREDITO LA CANDELARIA (EIN 660266794) - 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

1957

Legal Domicile

Principal Officer

ELMY RODRIGUEZ

Phone

7878541620

Tax Period

2024-07-01 to 2025-06-30

COOPERATIVA DE AHORRO Y CREDITO LA CANDELARIA, founded in 1957, is a mid-sized nonprofit that reported $18.1M in total revenue in fiscal year 2024. Net assets of $43.6M represent 29 months of operating reserves.

Mission

The most significant activities of the organization is to offer financial services and loans to credit union members. Any net income and surplus provided from operations is distributed among 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $16,787,844

Other Revenue $1,334,367

TOTAL REVENUE $18,122,211

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,521,990

Fundraising Expenses $0

Program Expenses $0

Other Expenses $16,592,984

TOTAL EXPENSES $19,114,974

Year-over-Year Comparison

	2024	2023	Change
Revenue	$18,122,211	$18,680,102	0.0%
Expenses	$19,114,974	$13,288,804	+0.4%
Net Income	$-992,763	$5,391,298	-1.2%

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

N/A

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

$80,065

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELMY RODRIGUEZ	CEO	50	Highest	$273,940	$0	$273,940
GRISELLE M DE JESUS MORALES	VICEPRESIDENT OF OPERATIONS	50	Key Emp	$80,065	$0	$80,065

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	$18,122,211	$19,114,974	$251,371,505	$-992,763
2024	$18,680,102	$13,288,804	$203,863,274	$5,391,298
2023	$11,411,009	$7,863,246	$191,917,937	$3,547,763
2022	$8,724,567	$6,400,545	$126,176,306	$2,324,022
2021	$8,579,418	$6,472,184	$119,577,400	$2,107,234

COOPERATIVA DE AHORRO Y CREDITO LA CANDELARIA