Civic Intelligence

Cooperativa De Ahorro Y Credito San Rafael De Que

EIN 66-0224450 • 501(c)14 • Quebradillas, PR

View Organization Page

Profile

To promote the saving among its members by saving deposits and financing services

PO Box 1531Quebradillas, PR 00678-1531

www.sanrafael.coop

Siviq Scores

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

Liabilities / Assets

5th percentile

0.69x

Higher debt load relative to assets than 5% of similar nonprofits.

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

Liabilities / Revenue

8th percentile

10.08x

Higher debt load relative to revenue than 8% of similar nonprofits.

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

Net Margin

88th percentile

25%

Higher net margin than 88% of similar nonprofits.

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

Top Officer Pay

7th percentile

$132,007

Higher top officer pay than 7% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

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

Asset Growth

28th percentile

0.4%

Faster asset growth than 28% of similar nonprofits.

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

Revenue Growth

1st percentile

-22%

Faster revenue growth than 1% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets5th percentile

Assets

Up

$227,586,763

Up $918,123 (+0.4%) from 2023

Liabilities

Down

$158,091,713

Down $2,708,642 (-1.7%) from 2023

Net Assets

Up

$69,495,050

Up $3,626,765 (+5.5%) from 2023

Operations
Liabilities / Revenue8th percentileNet Margin88th percentile

Revenue

Down

$15,691,285

Down $4,314,743 (-22%) from 2023

Expenses

Up

$11,836,016

Up $1,650,298 (+16%) from 2023

Net Income

Down

$3,855,269

Down $5,965,041 (-61%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth28th percentile

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

$300M$200M$100M$0Assets 2011: $191,206,860Liabilities 2011: $144,649,516Net Assets 2011: $46,557,3442011Assets 2012: $183,175,824Liabilities 2012: $136,622,908Net Assets 2012: $46,552,9162012Assets 2013: $175,781,706Liabilities 2013: $135,106,937Net Assets 2013: $40,674,7692013Assets 2014: $177,594,507Liabilities 2014: $134,452,019Net Assets 2014: $43,142,4882014Assets 2015: $181,784,946Liabilities 2015: $128,449,009Net Assets 2015: $53,335,9372015Assets 2016: $177,804,541Liabilities 2016: $123,598,731Net Assets 2016: $54,205,8102016Assets 2017: $178,873,972Liabilities 2017: $122,994,835Net Assets 2017: $55,879,1372017Assets 2018: $183,766,613Liabilities 2018: $126,228,172Net Assets 2018: $57,538,4412018Assets 2019: $179,025,069Liabilities 2019: $126,517,529Net Assets 2019: $52,507,5402019Assets 2020: $208,973,468Liabilities 2020: $151,760,271Net Assets 2020: $57,213,1972020Assets 2021: $229,762,461Liabilities 2021: $169,891,857Net Assets 2021: $59,870,6042021Assets 2022: $218,574,543Liabilities 2022: $164,549,063Net Assets 2022: $54,025,4802022Assets 2023: $226,668,640Liabilities 2023: $160,800,355Net Assets 2023: $65,868,2852023Assets 2024: $227,586,763Liabilities 2024: $158,091,713Net Assets 2024: $69,495,0502024

Highlighted filing

2024

Assets$227,586,763
Liabilities$158,091,713
Net Assets$69,495,050
Open 2024 Filing

Operations Trend

Revenue Growth1st percentile

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

$30M$20M$10M$0-$10MRevenue 2011: $10,535,352Expenses 2011: $9,156,644Net Income 2011: $1,378,7082011Revenue 2012: $10,933,705Expenses 2012: $9,169,395Net Income 2012: $1,764,3102012Revenue 2013: $10,664,567Expenses 2013: $8,538,980Net Income 2013: $2,125,5872013Revenue 2014: $10,905,624Expenses 2014: $8,567,218Net Income 2014: $2,338,4062014Revenue 2015: $10,895,050Expenses 2015: $8,405,456Net Income 2015: $2,489,5942015Revenue 2016: $10,280,129Expenses 2016: $8,340,857Net Income 2016: $1,939,2722016Revenue 2017: $9,482,671Expenses 2017: $8,200,387Net Income 2017: $1,282,2842017Revenue 2018: $10,150,937Expenses 2018: $8,592,057Net Income 2018: $1,558,8802018Revenue 2019: $10,686,875Expenses 2019: $17,146,710Net Income 2019: -$6,459,8352019Revenue 2020: $10,903,714Expenses 2020: $8,201,438Net Income 2020: $2,702,2762020Revenue 2021: $11,060,077Expenses 2021: $8,183,917Net Income 2021: $2,876,1602021Revenue 2022: $11,862,672Expenses 2022: $8,492,097Net Income 2022: $3,370,5752022Revenue 2023: $20,006,028Expenses 2023: $10,185,718Net Income 2023: $9,820,3102023Revenue 2024: $15,691,285Expenses 2024: $11,836,016Net Income 2024: $3,855,2692024

Highlighted filing

2024

Revenue$15,691,285
Expenses$11,836,016
Net Income$3,855,269
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$227,586,763
Liabilities
$158,091,713
Net assets
$69,495,050
Revenue
$15,691,285
Expenses
$11,836,016
Net income
$3,855,269
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$228$158$69.5$15.7$11.8$3.86
2023Detailed filing. Detailed filing data is available for this year.$227$161$65.9$20.0$10.2$9.82
2022Detailed filing. Detailed filing data is available for this year.$219$165$54.0$11.9$8.49$3.37
2021Detailed filing. Detailed filing data is available for this year.$230$170$59.9$11.1$8.18$2.88
2020Detailed filing. Detailed filing data is available for this year.$209$152$57.2$10.9$8.20$2.70
2019Detailed filing. Detailed filing data is available for this year.$179$127$52.5$10.7$17.1$6.46
2018Detailed filing. Detailed filing data is available for this year.$184$126$57.5$10.2$8.59$1.56
2017Detailed filing. Detailed filing data is available for this year.$179$123$55.9$9.48$8.20$1.28
2016Detailed filing. Detailed filing data is available for this year.$178$124$54.2$10.3$8.34$1.94
2015Detailed filing. Detailed filing data is available for this year.$182$128$53.3$10.9$8.41$2.49
2014Summary only. Only limited summary data is available for this year.$178$134$43.1$10.9$8.57$2.34
2013Summary only. Only limited summary data is available for this year.$176$135$40.7$10.7$8.54$2.13
2012Summary only. Only limited summary data is available for this year.$183$137$46.6$10.9$9.17$1.76
2011Summary only. Only limited summary data is available for this year.$191$145$46.6$10.5$9.16$1.38
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 24, 2025
Return Version
2024v5.1
Gross Receipts
$15,691,285
Mission and Program Overview

Mission

To promote the saving among its members by saving deposits and financing services

To provide financial services as loans savings and accounts mainly to low income sector of puerto rico. Also credit union make a social investment in the community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$123,835,885$130,764,225▲ $6,928,340
Investments in Publicly Traded Securities$60,186,200$51,613,611▼ $8,572,589
Cap Stk Tr Prin Current Funds$45,812,514$47,191,559▲ $1,379,045
Pd in Cap Srpls Land Bldg Eqp Fund$18,655,771$21,543,491▲ $2,887,720
Cash and Non-Interest-Bearing Accounts$17,109,854$18,557,818▲ $1,447,964
Investments Other Securities$10,140,093$10,777,837▲ $637,744
Savings and Temporary Cash Investments$8,100,044$9,700,044▲ $1,600,000
Land, Buildings, and Equipment, Net$3,338,270$3,116,084▼ $222,186
Rtn Earn Endowment Incm Other Fnds$1,400,000$760,000▼ $640,000
Receivables From Officers Etc$126,664$114,187▼ $12,477
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$226,668,640$227,586,763▲ $918,123
Other Assets Total$3,831,630$2,942,957▼ $888,673
Liabilities
Other Liabilities$159,406,860$156,671,963▼ $2,734,897
Accounts Payable and Accrued Expenses$1,393,495$1,419,750▲ $26,255
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$160,800,355$158,091,713▼ $2,708,642
Net Assets / Fund Balance
Total Net Assets Fund Balance$65,868,285$69,495,050▲ $3,626,765
Total Liabilities and Net Assets / Fund Balance$226,668,640$227,586,763▲ $918,123

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,256,950$1,551,596-
Other Land Buildings$165,904$68,650-
Land$799,696-$0
Equipment$540,072$4,333,146-
Leasehold Improvements$353,462$1,618,108-
Compensation and Service Providers
Top Officer Pay7th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Sara M Jimenez GonzalezPresidenta EjecutivaFT$132,007$132,007
Annie RodriguezVP OperationsFT$77,236$77,236
Laritza Millet TorresDirector of FinanceFT$61,137$61,137

Highest Paid Contractors

ContractorServicesLocationCompensation
America PoliceSecurity ServiceCalle Betances 254, Aguadilla, PR 00603$149,023
Caribbean Temporary ServicesConsulting1431 Ave de la Constitucion Suite 7, San Juan, PR 00910$146,856
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$37,738
Investment Income
$13,561,633
Other Revenue
$2,091,914
All Other Contributions
$0
Change in Net Assets
$3,855,269
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,399,077
Salaries, Compensation, and Employee Benefits$2,436,939
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$0$2,679,062$0$2,679,062
Other Salaries and Wages$0$1,582,852$0$1,582,852
Insurance$0$937,022$0$937,022
Fees for Services Other$0$773,361$0$773,361
All Other Expenses$0$675,851$0$675,851
Other Expenses$0$649,433$0$649,433
Advertising$0$406,032$0$406,032
Depreciation Depletion$0$374,569$0$374,569
Other Employee Benefits$0$315,936$0$315,936
Current Officers, Directors, Trustees, and Key Employees$0$270,380$0$270,380
Payroll Taxes$0$182,903$0$182,903
Occupancy$0$145,210$0$145,210
Office Expenses$0$115,278$0$115,278
Pension Plan Contributions$0$84,868$0$84,868
Conferences and Meetings$0$57,845$0$57,845
Travel$0$41,172$0$41,172
Payments to Affiliates$0$10,000$0$10,000
Total Functional Expenses$0$11,836,016$0$11,836,016
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$126,664$114,187▼ $12,477
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits and Certificated of Deposits$156,671,963
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI, Line 7A

“All stockholders may elect one or more members of the governing body.”

Part VI, Line 11B

“No review was or will be conducted.”

Part VI, Line 15

“The board of directors performs annual evaluation over ceo performance. Also the ceo has an employment formal contract or agreement”

Filing and Contact Details

Filer

Filer Name
Cooperativa De Ahorro Y Credito San Rafael
EIN
66-0224450
In Care Of
% SARA JIMENEZ
Phone
7878952050
Address
PO BOX 1531, QUEBRADILLAS, PR 00678-1531

Signing Officer

Name
Sara Jimenez
Title
President
Signed
2025-07-24
Discuss with paid preparer
Yes

Organization Details

Formed
1957
Legal Domicile
Pr
Voting Board Members
9
Independent Board Members
9
Employees
55
Volunteers
0

Preparer

Firm
Gonzalez Torres & Co CPA Psc
Address
1250 PONCE DE LEON AVE SUITE 801, SAN JUAN, PR 00907-3912
Preparer
Jose a Gonzalez Torres
Supplemental Narrative

Additional Explanations

Part XI, Line 9

“| Description:, Explanation:, Amount:| Change in net assets., The change in net assets is the result of surplus distribution., $-228504|”

Raw XML AppendixShowing 400 of 575 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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