COOPERATIVA AHORRO Y CREDITO PEPIN… - 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

1947

Legal Domicile

Principal Officer

WILSON FELICIANO

Phone

7878961544

Tax Period

2024-01-01 to 2024-12-31

COOPERATIVA AHORRO Y CREDITO PEPINIANA, founded in 1947, is a community nonprofit that reported $5.9M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $912K, a strong 15% operating margin.

Mission

TO PROMOTE FINANCIAL EDUCATION AND OFFER RESPONSIBLE FINANCIAL SERVICES TO MEMBERS AND CLIENTS. WE SEEK TO IMPROVE THE QUALITY OF LIFE FOR OUR MEMBERS AND DISADVANTAGED COMMUNITIES, ULTIMATELY EMPOWERING THEM, REDUCING POVERTY, AND STRENGTHENING THE ECONOMY.

Program Service Accomplishments

Program 1

INTEREST INCOME AND OTHER INCOME OF $5,938,940; TOTAL EXPENSES $5,026,479.

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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 $5,042,985

Other Revenue $895,955

TOTAL REVENUE $5,938,940

Expense Breakdown

Grants Paid $0

Salaries & Benefits $846,662

Fundraising Expenses $0

Program Expenses $0

Other Expenses $4,179,817

TOTAL EXPENSES $5,026,479

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,938,940	$5,412,427	+0.1%
Expenses	$5,026,479	$4,671,211	+0.1%
Net Income	$912,461	$741,216	+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

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

$96,450

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILSON FELICIANO	EXECUTIVE PRESIDENT	40	Highest	$119,579	$0	$119,579
ANGEL L AVILES GONZALEZ	ACCOUNTING AND FINANCE OFFICER	40	Officer	$60,466	$0	$60,466
JUAN M NUNEZ MARQUEZ	OPERATIONS MANAGER	40	Officer	$35,984	$0	$35,984

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	$5,938,940	$5,026,479	$119,998,962	$912,461
2023	$5,412,427	$4,671,211	$116,485,705	$741,216
2022	$4,922,172	$4,222,523	$121,528,846	$699,649
2021	$4,591,333	$4,414,554	$121,698,718	$176,779
2020	$3,932,481	$4,151,035	$107,433,726	$-218,554
2019	$4,100,738	$4,676,944	$94,892,934	$-576,206
2018	$3,259,424	$4,659,101	$93,775,762	$-1,399,677

COOPERATIVA AHORRO Y CREDITO PEPINIANA