MOROVIS, PR
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)COOPERATIVA DE AHORRO Y CREDITO MOROVENA, founded in 1953, is a community nonprofit that reported $6.3M in total revenue in fiscal year 2025. Revenue decreased 6% compared to the prior year. Expenses of $5.5M left a modest 12% surplus.
TO PROVIDE FINANCIAL SERVICES AS LOANS SAVINGS AND ACCOUNTS MAINLY TO LOW INCOME SECTOR OF PEOPLE IN PUERTO RICO. ALSO CREDIT UNION MAKE A SOCIAL INVESTMENT IN THE COMMUNITY.
THE PRIMARY PURPOSE OF THE COOPERATIVE IS TO RECEIVE DEPOSITS FROM ITS PARTNERS IN THE FORM OF SAVINGS AND STOCK AND PROVIDE A SOURCE OF FINANCING AT LOWER COST THAN OFFERED BY OTHER FINANCIAL...
THE PRIMARY PURPOSE OF THE COOPERATIVE IS TO RECEIVE DEPOSITS FROM ITS PARTNERS IN THE FORM OF SAVINGS AND STOCK AND PROVIDE A SOURCE OF FINANCING AT LOWER COST THAN OFFERED BY OTHER FINANCIAL INSTITUTIONS. THE COOPERATIVE OFFERS A VARIETY OF FINANCIAL SERVICES INCLUDING BUT NOT LIMITED TO SAVINGS AND CHECKING ACCOUNTS PERSONAL LOANS MORTGAGE LOANS COMMERCIAL LOANS RESOLVING CREDIT LINES AND OTHERS FINANCING SERVICES. INTEREST INCOME OF 6,281,362 AND TOTAL EXPENSES OF 5,539,874.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $6,281,362 | $6,691,691 | -0.1% |
| Expenses | $5,539,874 | $4,902,007 | +0.1% |
| Net Income | $741,488 | $1,789,684 | -0.6% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| IVIS N VALLES RIVERA | EXECUTIVE PRESIDENT | 40.00 |
Key Emp
|
$111,553 | $0 | $111,553 |
| YAJAIRA RIVERA NAZARIO | CONTROLLER | 40.00 |
Key Emp
|
$65,860 | $0 | $65,860 |
| JONATHAN ROSA QUINONEZ | OFFICER OF COMPLIANCE | 40.00 |
Key Emp
|
$51,239 | $0 | $51,239 |
| JESSICA I QUIJANO MORELL | VP OPERATIONS | 40.00 |
Key Emp
|
$75,128 | $0 | $75,128 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $6,281,362 | $5,539,874 | $103,969,371 | $741,488 |
| 2024 | $6,691,691 | $4,902,007 | $102,146,141 | $1,789,684 |
| 2023 | $8,648,954 | $4,666,438 | $105,307,292 | $3,982,516 |
| 2022 | $4,630,080 | $3,845,711 | $102,430,082 | $784,369 |
| 2021 | $4,097,760 | $3,662,086 | $104,195,562 | $435,674 |
| 2020 | $4,285,880 | $3,649,648 | $96,822,240 | $636,232 |
| 2019 | $4,391,671 | $4,138,351 | $82,769,839 | $253,320 |
| 2018 | $4,334,998 | $4,123,033 | $88,888,822 | $211,965 |
Compare COOPERATIVA DE AHORRO Y CREDITO MOROVENA with other nonprofits in Puerto Rico and across the country.