COOPERATIVA DE AHORRO Y CREDITO CRISTOBAL RODRIGUEZ HIDALGO (EIN 660266868) - 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

1963

Legal Domicile

Principal Officer

MIGUEL COLON

Phone

7878251350

Tax Period

2024-01-01 to 2024-12-31

COOPERATIVA DE AHORRO Y CREDITO CRISTOBAL RODRIGUEZ HIDALGO, founded in 1963, is a mid-sized nonprofit that reported $10.2M in total revenue in fiscal year 2024. Revenue fell 22% from the prior year — a significant decline worth monitoring. Expenses of $9.8M left a modest 4% surplus.

Mission

To provide financial services such as loans and savings accounts to the community.

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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 $9,449,131

Other Revenue $735,678

TOTAL REVENUE $10,184,809

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,229,441

Fundraising Expenses $0

Program Expenses $9,810,178

Other Expenses $7,580,737

TOTAL EXPENSES $9,810,178

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,184,809	$13,057,590	-0.2%
Expenses	$9,810,178	$7,455,420	+0.3%
Net Income	$374,631	$5,602,170	-0.9%

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

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

$142,402

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Miguel A Colon Robles	Executive President	40.00	Highest	$146,101	$0	$146,101
Juan J Aulet Robles	Finance Accounting VP	40.00	Key Emp	$70,887	$0	$70,887
Gloria I Vazquez Rivera	Vice President	40.00	Key Emp	$71,515	$0	$71,515

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
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