COOPERATIVA AHORRO Y CREDITO ABRAHAM ROSA (EIN 660313974) - 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

1960

Legal Domicile

Principal Officer

LUIS R LOPEZ

Phone

7876223055

Tax Period

2021-01-01 to 2021-12-31

COOPERATIVA AHORRO Y CREDITO ABRAHAM ROSA, founded in 1960, is a community nonprofit that reported $3.9M in total revenue in fiscal year 2021. Revenue surged 25% from the prior year, signaling strong growth momentum. Expenses of $4.7M exceeded revenue, resulting in a 21% operating deficit.

Mission

IT IS A NON PROFIT ORGANIZATION PRIMARILY ENGAGED TO RECEIVE 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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $3,426,811

Other Revenue $432,860

TOTAL REVENUE $3,859,671

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,601,038

Fundraising Expenses $0

Program Expenses $0

Other Expenses $3,075,055

TOTAL EXPENSES $4,676,093

Year-over-Year Comparison

	2021	2020	Change
Revenue	$3,859,671	$3,096,229	+0.2%
Expenses	$4,676,093	$4,359,257	+0.1%
Net Income	$-816,422	$-1,263,028	-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

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

$181,812

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LUIS R LOPEZ ROMAN	PRESIDENT	50	Highest	$114,060	$0	$114,060
LUIS A RIVERA NEGRON	VICE PRESIDENT OF CREDIT	50	Key Emp	$66,985	$0	$66,985
WANDA E REYES LARA	CONTROLLER	50	Key Emp	$57,546	$0	$57,546
CARMEN B SERRANO RODRIGUEZ	VICE PRESIDENT OF OPERATIONS	50	Key Emp	$57,281	$0	$57,281

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
2021	$3,859,671	$4,676,093	$116,942,242	$-816,422
2020	$3,096,229	$4,359,257	$104,708,981	$-1,263,028
2019	$3,550,182	$5,022,564	$87,047,040	$-1,472,382
2018	$2,781,900	$4,434,586	$90,599,836	$-1,652,686

COOPERATIVA AHORRO Y CREDITO ABRAHAM ROSA