COOPERATIVA DE AHORRO Y CREDITO CR… - 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

1963

Legal Domicile

Principal Officer

MIGUEL COLON

Phone

7878251350

Tax Period

2025-01-01 to 2025-12-31

COOPERATIVA DE AHORRO Y CREDITO CRISTOBAL RODRIGUEZ HIDALGO, founded in 1963, is a community nonprofit that reported $9.9M in total revenue in fiscal year 2025. Expenses of $9.3M left a modest 6% surplus.

Mission

To provide financial services such as loans savings accounts and other services. Directed mainly to low-income sector of Puerto Rico. The credit union also makes a social investment in the community such as donations etc.

Program Service Accomplishments

Program 1

Expenses: $9,298,832 Revenue: $9,900,063

The Organization loans portfolio increased ____%. The community benefits from this because the Cooperative is providing more financing options 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 $0

Investment Income $9,209,820

Other Revenue $690,243

TOTAL REVENUE $9,900,063

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,363,158

Fundraising Expenses $0

Program Expenses $9,298,832

Other Expenses $6,935,674

TOTAL EXPENSES $9,298,832

Year-over-Year Comparison

	2025	2024	Change
Revenue	$9,900,063	$10,184,809	0.0%
Expenses	$9,298,832	$9,810,178	-0.1%
Net Income	$601,231	$374,631	+0.6%

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

$151,324

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Miguel A Colon Robles	Executive President	40.00	Highest	$145,432	$0	$145,432
Juan J Aulet Robles	Finance Accounting VP	40.00	Key Emp	$74,942	$0	$74,942
Gloria I Vazquez Rivera	Vice President	40.00	Key Emp	$76,382	$0	$76,382

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	$9,900,063	$9,298,832	$160,554,530	$601,231
2024	$10,184,809	$9,810,178	$164,194,608	$374,631
2023	$13,057,590	$7,455,420	$162,389,116	$5,602,170
2022	$7,680,274	$5,794,646	$144,474,692	$1,885,628
2021	$6,629,804	$4,825,569	$118,663,990	$1,804,235
2020	$6,160,217	$4,555,456	$105,867,856	$1,604,761

COOPERATIVA DE AHORRO Y CREDITO CRISTOBAL RODRIGUEZ HIDALGO