COOPERATIVA DE CREDITO CABO ROJO (EIN 660270259) - 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

1956

Legal Domicile

Phone

7878511337

Tax Period

2024-01-01 to 2024-12-31

COOPERATIVA DE CREDITO CABO ROJO, founded in 1956, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $22.2M in total revenue in fiscal year 2024. The organization ran a surplus of $3.5M, a strong 16% operating margin.

Mission

A non profit organization engaged primarily to received savings from its members in the form of shares and deposits.

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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 $19,490,762

Other Revenue $2,672,201

TOTAL REVENUE $22,162,963

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,466,177

Fundraising Expenses $0

Program Expenses $18,679,007

Other Expenses $13,212,830

TOTAL EXPENSES $18,679,007

Year-over-Year Comparison

	2024	2023	Change
Revenue	$22,162,963	$22,910,793	0.0%
Expenses	$18,679,007	$17,311,095	+0.1%
Net Income	$3,483,956	$5,599,698	-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

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

$606,850

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kerwin Morales Rivera	Executive president	60.00	Highest	$200,000	$36,000	$236,000
Jorge I Ferrer Lopez	VP of finance	60.00	Key Emp	$120,434	$0	$120,434
Hector L Torres Cardona	VP of credit	60.00	Key Emp	$55,582	$0	$55,582
Mayra Figueroa Lopez	Software system manager	60.00	Key Emp	$114,096	$0	$114,096
Victor Mendez Zapata	VP of Risk and Compliance	60.00	Key Emp	$103,906	$0	$103,906
Mariangely Cruz Aquino	VP of Operations	60.00	Key Emp	$107,945	$0	$107,945
Nancy Ferrer Padilla	VP of Human Resources	60.00	Key Emp	$104,887	$0	$104,887

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	$22,162,963	$18,679,007	$342,901,686	$3,483,956
2023	$22,910,793	$17,311,095	$325,992,664	$5,599,698
2022	$17,456,223	$13,566,606	$311,426,730	$3,889,617
2021	$13,105,590	$10,821,405	$305,759,931	$2,284,185
2020	$10,914,002	$9,517,369	$224,012,974	$1,396,633

COOPERATIVA DE CREDITO CABO ROJO