COOPERATIVA DE AHORRO Y CREDITO INDUSTRIA BIOFARMACEUTICA (EIN 660347008) - 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

1971

Legal Domicile

Principal Officer

ANTONIO CRUZ

Phone

7877015555

Tax Period

2024-01-01 to 2024-12-31

COOPERATIVA DE AHORRO Y CREDITO INDUSTRIA BIOFARMACEUTICA, founded in 1971, is a community nonprofit that reported $5.2M in total revenue in fiscal year 2024. Net assets of $27.9M represent 64 months of operating reserves.

Mission

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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $4,841,340

Other Revenue $407,983

TOTAL REVENUE $5,249,323

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,323,105

Fundraising Expenses $0

Program Expenses $5,222,063

Other Expenses $3,898,958

TOTAL EXPENSES $5,222,063

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,249,323	$5,268,671	0.0%
Expenses	$5,222,063	$5,398,723	0.0%
Net Income	$27,260	$-130,052	-1.2%

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

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

$171,160

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Antonio Cruz Rodriguez	Executive President	40.00	Highest	$114,831	$13,200	$128,031
Pedro Quinones Ramos	Director de Operaciones	40.00	Key Emp	$57,344	$6,074	$63,418
Adriano De La Nuez	Gerente IT	40.00	Key Emp	$60,306	$3,600	$63,906
Nancy Lopez	Comptroller	40.00	Key Emp	$23,896	$2,550	$26,446
Gil J Ramos Ortiz	Comptroller	40.00	Key Emp	$16,610	$780	$17,390
Jose J Arce Rivera	Board Presidente	0.00	Director	$0	$0	$0
Julio Cesar Ramrez Toro	Board Vicepresident	0.00	Director	$0	$0	$0
Carlos J Bonilla Agosto	Treasurer	0.00	Director	$0	$0	$0
Jose A Villanueva Negrn	Sub Treasurer	0.00	Director	$0	$0	$0
Leilani Mullen Wilt	Secretary	0.00	Director	$0	$0	$0
Luis A Rivera Rodrguez	Sub Secretary	0.00	Director	$0	$0	$0
Mara del Carmen Warren Gonzlez	Vocal	0.00	Director	$0	$0	$0
Benigno Robles Belardo	Vocal	0.00	Director	$0	$0	$0
Carlos A Arroyo Franco	Vocal	0.00	Director	$0	$0	$0
Ernesto Arroyo Hernndez	Vocal	0.00	Director	$0	$0	$0
Carlos Yainel Hernndez Melendez	Vocal	0.00	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
2024	$5,249,323	$5,222,063	$88,473,521	$27,260
2023	$5,268,671	$5,398,723	$91,053,391	$-130,052
2022	$4,549,857	$4,281,215	$84,736,317	$268,642
2021	$4,436,098	$4,172,393	$82,865,454	$263,705
2020	$3,740,650	$3,892,503	$84,682,807	$-151,853
2019	$3,870,421	$4,275,268	$70,697,227	$-404,847
2018	$3,583,286	$4,270,717	$72,293,160	$-687,431

COOPERATIVA DE AHORRO Y CREDITO INDUSTRIA BIOFARMACEUTICA