COOPERATIVA DE AHORRO Y CREDITO OR… - 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

1956

Legal Domicile

Principal Officer

Angel Rodriguez

Phone

7878520964

Tax Period

2025-01-01 to 2025-12-31

COOPERATIVA DE AHORRO Y CREDITO ORIENTAL, founded in 1956, is a mid-sized nonprofit that reported $31.0M in total revenue in fiscal year 2025. Expenses of $28.4M left a modest 8% surplus.

Mission

TO PROVIDE FINANCIAL SERVICES SUCH AS LOANS SAVINGS AND ACCOUNTS MAINLY TO LOW-INCOME SECTOR OF PEOPLE IN PUERTO RICO. ALSO THE CREDIT UNION HAS A SOCIAL RESPONSIBILITY TOWARDS THE COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $0 Revenue: $0

INTEREST INCOME AND OTHER INCOME OF 31,032,323 WHICH INCLUDES 718,258 FROM FEDERAL FUNDS TO CDFI. TOTAL EXPENSES OF 28,442,335.

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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 $22,081,890

Other Revenue $8,950,433

TOTAL REVENUE $31,032,323

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,006,322

Fundraising Expenses $0

Program Expenses $0

Other Expenses $21,436,013

TOTAL EXPENSES $28,442,335

Year-over-Year Comparison

	2025	2024	Change
Revenue	$31,032,323	$29,776,281	+0.0%
Expenses	$28,442,335	$27,688,353	+0.0%
Net Income	$2,589,988	$2,087,928	+0.2%

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

Employees

124

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

$886,114

Total Directors

Key Employees

$302,249

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM MENDEZ PAGAN	EXECUTIVE PRESIDENT	40.00	Officer Highest	$313,929	$11,239	$325,168
IDELFONSO RODRIGUEZ	VP FINANCE	40.00	Officer Key Emp	$285,749	$16,500	$302,249
AMARYLLIS AYALA HERNAIZ	VP OPERATION	40.00	Officer	$128,515	$10,809	$139,324
MAYRA MEDINA RIVERA	VP OF CREDIT	40.00	Officer	$109,768	$9,605	$119,373
ISRAEL QUINONEZ DIAZ	PRESIDENT OF BOARD	10.00	Director	$0	$0	$0
WANDA G DIAZ DIAZ	VP OF BOARD	10.00	Director	$0	$0	$0
ALMA M TIRADO PENA	SECRETARY	10.00	Director	$0	$0	$0
JAIME RUIZ AGUIRRE	DIRECTOR	10.00	Director	$0	$0	$0
FRANCISCO MOROLES BURGOS	DIRECTOR	10.00	Director	$0	$0	$0
JUAN MERCED MATEO	DIRECTOR	10.00	Director	$0	$0	$0
ISABEL VELAZQUEZ PENA	DIRECTOR	10.00	Director	$0	$0	$0
FELIX BAEZ NERIZ	DIRECTOR	10.00	Director	$0	$0	$0
PEDRO CINTRON HERNANDEZ	DIRECTOR	10.00	Director	$0	$0	$0

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	$31,032,323	$28,442,335	$437,705,565	$2,589,988
2024	$29,776,281	$27,688,353	$433,518,632	$2,087,928
2023	$30,373,984	$25,096,010	$436,924,696	$5,277,974
2022	$26,088,612	$22,181,401	$429,300,073	$3,907,211
2021	$23,460,952	$18,014,642	$433,041,205	$5,446,310
2020	$20,349,509	$16,692,794	$365,046,485	$3,656,715

COOPERATIVA DE AHORRO Y CREDITO ORIENTAL