Civic Intelligence

Cooperativa De Ahorro Y Credito De Aguadilla

EIN 66-0217489 • 501(c)14 • Aguadilla, Puerto Rico, RQ

Profile

Local credit union, savings and loan for members. These entities are exempt from income taxes, municipal licenses and property tax under the state law applied to cooperatives. These entities do not receive any federal or state grant, neither donations. The main activity is to provide loans and to offer different savings accounts.

PO Box 541Aguadilla, Puerto Rico 00605Rq
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

24th percentile

0.87x

Higher debt load relative to assets than 24% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

18th percentile

12.01x

Higher debt load relative to revenue than 18% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

94th percentile

29%

Higher net margin than 94% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

12th percentile

$148,475

Higher top officer pay than 12% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

67th percentile

4.5%

Faster asset growth than 67% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

97th percentile

37%

Faster revenue growth than 97% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Assets

Up

$155,090,862

Up $6,698,619 (+4.5%) from 2023

Liabilities

Up

$134,260,675

Up $3,187,685 (+2.4%) from 2023

Net Assets

Up

$20,830,187

Up $3,510,934 (+20%) from 2023

Revenue

Up

$11,178,035

Up $3,008,816 (+37%) from 2023

Expenses

Up

$7,962,421

Up $656,697 (+9.0%) from 2023

Net Income

Up

$3,215,614

Up $2,352,119 (+272%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2011: $124,665,449Liabilities 2011: $101,107,731Net Assets 2011: $23,557,7182011Assets 2012: $123,012,572Liabilities 2012: $100,287,635Net Assets 2012: $22,724,9372012Assets 2013: $122,464,105Liabilities 2013: $107,572,038Net Assets 2013: $14,892,0672013Assets 2014: $131,134,778Liabilities 2014: $117,482,428Net Assets 2014: $13,652,3502014Assets 2015: $132,402,734Liabilities 2015: $111,748,930Net Assets 2015: $20,653,8042015Assets 2016: $119,859,882Liabilities 2016: $101,671,864Net Assets 2016: $18,188,0182016Assets 2017: $109,117,712Liabilities 2017: $93,306,364Net Assets 2017: $15,811,3482017Assets 2018: $107,411,642Liabilities 2018: $92,900,002Net Assets 2018: $14,511,6402018Assets 2019: $100,512,880Liabilities 2019: $85,537,615Net Assets 2019: $14,975,2652019Assets 2020: $111,852,553Liabilities 2020: $97,467,541Net Assets 2020: $14,385,0122020Assets 2021: $124,747,566Liabilities 2021: $109,832,378Net Assets 2021: $14,915,1882021Assets 2022: $137,180,586Liabilities 2022: $120,863,021Net Assets 2022: $16,317,5652022Assets 2023: $148,392,243Liabilities 2023: $131,072,990Net Assets 2023: $17,319,2532023Assets 2024: $155,090,862Liabilities 2024: $134,260,675Net Assets 2024: $20,830,1872024

Highlighted filing

2024

Assets$155,090,862
Liabilities$134,260,675
Net Assets$20,830,187

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$15M$10M$5.0M$0-$5.0MRevenue 2011: $7,531,389Expenses 2011: $6,821,277Net Income 2011: $710,1122011Revenue 2012: $7,093,957Expenses 2012: $6,600,805Net Income 2012: $493,1522012Revenue 2013: $7,037,046Expenses 2013: $7,771,527Net Income 2013: -$734,4812013Revenue 2014: $7,360,707Expenses 2014: $7,628,394Net Income 2014: -$267,6872014Revenue 2015: $6,564,539Expenses 2015: $5,847,235Net Income 2015: $717,3042015Revenue 2016: $5,369,622Expenses 2016: $8,758,056Net Income 2016: -$3,388,4342016Revenue 2017: $3,864,773Expenses 2017: $5,426,743Net Income 2017: -$1,561,9702017Revenue 2018: $4,095,388Expenses 2018: $5,428,946Net Income 2018: -$1,333,5582018Revenue 2019: $5,849,426Expenses 2019: $5,310,769Net Income 2019: $538,6572019Revenue 2020: $5,213,688Expenses 2020: $6,403,410Net Income 2020: -$1,189,7222020Revenue 2021: $6,490,918Expenses 2021: $6,407,005Net Income 2021: $83,9132021Revenue 2022: $6,511,561Expenses 2022: $5,734,104Net Income 2022: $777,4572022Revenue 2023: $8,169,219Expenses 2023: $7,305,724Net Income 2023: $863,4952023Revenue 2024: $11,178,035Expenses 2024: $7,962,421Net Income 2024: $3,215,6142024

Highlighted filing

2024

Revenue$11,178,035
Expenses$7,962,421
Net Income$3,215,614

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$155$134$20.8$11.2$7.96$3.22
2023Detailed filing. Detailed filing data is available for this year.$148$131$17.3$8.17$7.31$0.86
2022Detailed filing. Detailed filing data is available for this year.$137$121$16.3$6.51$5.73$0.78
2021Detailed filing. Detailed filing data is available for this year.$125$110$14.9$6.49$6.41$0.08
2020Detailed filing. Detailed filing data is available for this year.$112$97.5$14.4$5.21$6.40$1.19
2019Detailed filing. Detailed filing data is available for this year.$101$85.5$15.0$5.85$5.31$0.54
2018Detailed filing. Detailed filing data is available for this year.$107$92.9$14.5$4.10$5.43$1.33
2017Summary only. Only limited summary data is available for this year.$109$93.3$15.8$3.86$5.43$1.56
2016Summary only. Only limited summary data is available for this year.$120$102$18.2$5.37$8.76$3.39
2015Summary only. Only limited summary data is available for this year.$132$112$20.7$6.56$5.85$0.72
2014Summary only. Only limited summary data is available for this year.$131$117$13.7$7.36$7.63$0.27
2013Summary only. Only limited summary data is available for this year.$122$108$14.9$7.04$7.77$0.73
2012Summary only. Only limited summary data is available for this year.$123$100$22.7$7.09$6.60$0.49
2011Summary only. Only limited summary data is available for this year.$125$101$23.6$7.53$6.82$0.71