BANCO DE DESARROLLO CENTRO ORIENTAl INC (EIN 660703347) - 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

2007

Legal Domicile

Principal Officer

BRENDALY MARCANO

Phone

7873378833

Tax Period

2023-07-01 to 2024-06-30

BANCO DE DESARROLLO CENTRO ORIENTAl INC, founded in 2007, is a small nonprofit in the Community Improvement sector that reported $186K in total revenue in fiscal year 2023. Revenue fell 26% from the prior year — a significant decline worth monitoring. Expenses of $288K exceeded revenue, resulting in a 55% operating deficit.

Mission

Nondepository credit intermediation to support economic development

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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 (2023)

Revenue Breakdown

Contributions & Grants $100,000

Program Service Revenue $85,733

Investment Income $0

Other Revenue $0

TOTAL REVENUE $185,733

Expense Breakdown

Grants Paid $0

Salaries & Benefits $114,932

Fundraising Expenses $0

Program Expenses $120,839

Other Expenses $172,857

TOTAL EXPENSES $287,789

Year-over-Year Comparison

	2023	2022	Change
Revenue	$185,733	$251,318	-0.3%
Expenses	$287,789	$343,280	-0.2%
Net Income	$-102,056	$-91,962	+0.1%

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

N/A

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM MIRANDA TORRES	Board Chair	5.000	Director	$0	$0	$0
MARIA DEL MAR LOPEZ	VP Academic Sector	5.000	Director	$0	$0	$0
CARLOS JIMENEZ	VP Entrepreneurial Sec	5.000	Director	$0	$0	$0
MANUEL FIGUEROA COLLAZO	Board Member	5.000	Director	$0	$0	$0
OSCAR JIMENEZ	Board Member	5.000	Director	$0	$0	$0
ZAMIA BAERGA	Board Member	5.000	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	$185,733	$287,789	$747,273	$-102,056

BANCO DE DESARROLLO CENTRO ORIENTAl INC