Civic Intelligence

Cooperativa De Ahorro Y Credito De Ciales

EIN 66-0240789 • 501(c)14 • Ciales, Puerto Rico, RQ

View Organization Page

Profile

The organization is a credit union that provides services of savings accounts and loans to members and nonmembers

PO Box 1438Ciales, Puerto Rico 00638Rq

www.cialescoop.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2023

Liabilities / Revenue

35th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Net Margin

64th percentile

5.9%

Higher net margin than 64% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Asset Growth

34th percentile

-100%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Revenue Growth

18th percentile

-38%

Faster revenue growth than 18% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $50,817,268 (-100%) from 2022

Liabilities

Down

$0

Down $57,658,209 (-100%) from 2022

Net Assets

Up

$0

Up $6,840,941 (+100%) from 2022

Operations
Liabilities / Revenue35th percentileNet Margin64th percentile

Revenue

Down

$1,520,769

Down $948,492 (-38%) from 2022

Expenses

Down

$1,430,831

Down $2,327,666 (-62%) from 2022

Net Income

Up

$89,938

Up $1,379,174 (+107%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$80M$60M$40M$20M$0-$20MAssets 2018: $55,229,703Liabilities 2018: $44,056,751Net Assets 2018: $11,172,9522018Assets 2019: $54,329,200Liabilities 2019: $44,748,302Net Assets 2019: $9,580,8982019Assets 2020: $63,090,000Liabilities 2020: $55,385,957Net Assets 2020: $7,704,0432020Assets 2021: $65,207,551Liabilities 2021: $60,269,523Net Assets 2021: $4,938,0282021Assets 2022: $50,817,268Liabilities 2022: $57,658,209Net Assets 2022: -$6,840,9412022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2023

Assets$0
Liabilities$0
Net Assets$0
Open 2023 Filing

Operations Trend

Revenue Growth18th percentile

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

$6.0M$4.0M$2.0M$0-$2.0M-$4.0MRevenue 2018: $3,260,087Expenses 2018: $4,313,175Net Income 2018: -$1,053,0882018Revenue 2019: $2,628,786Expenses 2019: $4,178,166Net Income 2019: -$1,549,3802019Revenue 2020: $2,494,699Expenses 2020: $4,323,129Net Income 2020: -$1,828,4302020Revenue 2021: $2,217,375Expenses 2021: $4,827,090Net Income 2021: -$2,609,7152021Revenue 2022: $2,469,261Expenses 2022: $3,758,497Net Income 2022: -$1,289,2362022Revenue 2023: $1,520,769Expenses 2023: $1,430,831Net Income 2023: $89,9382023

Highlighted filing

2023

Revenue$1,520,769
Expenses$1,430,831
Net Income$89,938
Open 2023 Filing

Filings

Most recent year

2023 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$1,520,769
Expenses
$1,430,831
Net income
$89,938
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$1.52$1.43$0.09
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.8$57.7$6.84$2.47$3.76$1.29
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$65.2$60.3$4.94$2.22$4.83$2.61
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$63.1$55.4$7.70$2.49$4.32$1.83
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$54.3$44.7$9.58$2.63$4.18$1.55
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.2$44.1$11.2$3.26$4.31$1.05
Latest Detailed Filing

The latest 2023 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 15, 2023
Return Version
2022v5.0
Gross Receipts
$2,469,261
Mission and Program Overview

Mission

The organization is a credit union that provides services of savings accounts and loans to members and nonmembers

The organization is a credit union that provides services of savings accounts and loans to members and nonmembers.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$20,028,412$21,526,261▲ $1,497,849
Cap Stk Tr Prin Current Funds$10,889,084$10,745,692▼ $143,392
Investments in Publicly Traded Securities-$10,324,364-
Savings and Temporary Cash Investments$25,269,109$9,667,945▼ $15,601,164
Investments Other Securities$3,990,793$4,117,729▲ $126,936
Cash and Non-Interest-Bearing Accounts$2,604,400$3,303,535▲ $699,135
Land, Buildings, and Equipment, Net$1,085,661$1,329,841▲ $244,180
Accounts Receivable-$215,608-
Prepaid Expenses and Deferred Charges$252,865$177,885▼ $74,980
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Rtn Earn Endowment Incm Other Fnds$-5,951,056$-17,586,633▼ $11,635,577
Total Assets$65,207,551$50,817,268▼ $14,390,283
Other Assets Total$11,976,311$154,100▼ $11,822,211
Liabilities
Other Liabilities$59,952,596$56,990,744▼ $2,961,852
Accounts Payable and Accrued Expenses$316,927$667,465▲ $350,538
Total Liabilities$60,269,523$57,658,209▼ $2,611,314
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,938,028$-6,840,941▼ $11,778,969
Total Liabilities and Net Assets / Fund Balance$65,207,551$50,817,268▼ $14,390,283

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$664,000$1,682,750$372,429
Other Land Buildings$0$53,816$0
Land$581,000-$0
Equipment$84,841$1,213,954$0
Leasehold Improvements$0$0$0
Other Assets Org$154,100--
Other Securities$107,661--
Compensation and Service Providers
Top Officer Pay18th percentile

Board Members and Trustees

NameTitle
Jaime LopezTrustee Not Paid by Credit Union
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$1,781,501
Other Revenue
$687,760
Change in Net Assets
$-1,289,236

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,469,261
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$2,469,261
Total Revenue per Form 990
$2,469,261
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,971,322
Salaries, Compensation, and Employee Benefits$787,175
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$0$1,289,565$0$1,289,565
Other Salaries and Wages-$620,991-$620,991
Insurance-$506,945-$506,945
All Other Expenses-$244,655-$244,655
Interest-$206,481-$206,481
Depreciation Depletion-$97,635-$97,635
Payroll Taxes-$71,114-$71,114
Office Expenses-$62,187-$62,187
Other Employee Benefits-$60,379-$60,379
Information Technology-$35,400-$35,400
Pension Plan Contributions-$34,691-$34,691
Fees for Services Other-$23,855-$23,855
Advertising-$21,364-$21,364
Fees for Services Accounting-$10,000-$10,000
Fees for Services Legal-$7,608-$7,608
Total Functional Expenses$0$3,758,497$0$3,758,497

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,758,497
Total Expenses per Audited Statements$3,758,497
Total Expenses per Form 990$3,758,497
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Savings$41,492,879
Certificates of Deposits$11,681,061
Checking Accounts and Other Deposits$3,706,085
Christmas and Summer Club$110,719
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
No
Backup withholding compliance
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“In a state credit union all depositors are members.”

Form 990, Part VI, Section A, Line 7A

“The credit union's regulator designated a trustee due to financial problems in the credit union. This individual elect employees or any other necessary person to the governing body.”

Form 990, Part VI, Section A, Line 8A

“Due to financial problems the credit union's regulator designated a trustee in charge of operations. There are no longer meetings held by the governing body.”

Form 990, Part VI, Section A, Line 8B

“Due to financial problems the credit union's regulator designated a trustee in charge of operations. There are no more committees in the credit union.”

Form 990, Part VI, Section B, Line 11B

“The trustee (actual administrator) verifies the 990 return and maintain a copy within the credit union facilities.”

Form 990, Part VI, Section C, Line 19

“The financial statements are public based on law 255 year 2002. Other documents are available upon request but by following internal documented procedures.”

Filing and Contact Details

Filer

Filer Name
Cooperativa De Ahorro Y Credito De Ciales
EIN
66-0240789
Phone
7878711800
Address
RQ

Signing Officer

Name
Jaime Lopez
Title
Trustee
Phone
7878711800
Signed
2023-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jaime Lopez
Formed
1954
Voting Board Members
0
Independent Board Members
0
Employees
30
Volunteers
0

Preparer

Firm
CPA Benjamin Rosario Rosario
Address
PO BOX 29248 65TH Infantry Station, San Juan, PR 00929
Preparer
Benjamin Rosario
Phone
7879226222
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“The credit union change to liquidation basis of accounting with elimination of zero value assets related to puerto rico bonds losses by $10,316,516, changes y market value of investments and other assets by $80,744 and other liabilities by $92,473.”

Raw XML AppendixShowing 400 of 422 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.

Path#Value
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IRS990/BooksInCareOfDetail/ForeignAddress/AddressLine1Txt0PO BOX 1438
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt025269109
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09667945
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0664000
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01682750
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01974321
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0372429
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt084841
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01213954
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt01298795
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03758497
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0581000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0581000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0154100
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0FORECLOSED ASSETS
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt053816
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt053816
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt041492879
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1110719
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt211681061
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt33706085
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CHRISTMAS AND SUMMER CLUB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CERTIFICATES OF DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3CHECKING ACCOUNTS AND OTHER DEPOSITS
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt02762573
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1835909
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2254046
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt37190
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt4150350
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt5107661
IRS990ScheduleD/OtherSecuritiesGrp/Desc0BANCO COOPERATIVO
IRS990ScheduleD/OtherSecuritiesGrp/Desc1DEPOSIT IN COSSEC
IRS990ScheduleD/OtherSecuritiesGrp/Desc2COOPERATIVA DE SEGUROS DE VIDA
IRS990ScheduleD/OtherSecuritiesGrp/Desc3OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc4COOPERATIVA DE SEGUROS MULTIPLES
IRS990ScheduleD/OtherSecuritiesGrp/Desc5FIDECOOP
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5C
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02469261
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01329841
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0154100
IRS990ScheduleD/TotalBookValueSecuritiesAmt04117729
IRS990ScheduleD/TotalExpensesPerForm990Amt03758497
IRS990ScheduleD/TotalLiabilityAmt056990744
IRS990ScheduleD/TotalRevenuePerForm990Amt02469261
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02469261
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03758497
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0IN A STATE CREDIT UNION ALL DEPOSITORS ARE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION'S REGULATOR DESIGNATED A TRUSTEE DUE TO FINANCIAL PROBLEMS IN THE CREDIT UNION. THIS INDIVIDUAL ELECT EMPLOYEES OR ANY OTHER NECESSARY PERSON TO THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DUE TO FINANCIAL PROBLEMS THE CREDIT UNION'S REGULATOR DESIGNATED A TRUSTEE IN CHARGE OF OPERATIONS. THERE ARE NO LONGER MEETINGS HELD BY THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DUE TO FINANCIAL PROBLEMS THE CREDIT UNION'S REGULATOR DESIGNATED A TRUSTEE IN CHARGE OF OPERATIONS. THERE ARE NO MORE COMMITTEES IN THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE TRUSTEE (ACTUAL ADMINISTRATOR) VERIFIES THE 990 RETURN AND MAINTAIN A COPY WITHIN THE CREDIT UNION FACILITIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FINANCIAL STATEMENTS ARE PUBLIC BASED ON LAW 255 YEAR 2002. OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST BUT BY FOLLOWING INTERNAL DOCUMENTED PROCEDURES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION CHANGE TO LIQUIDATION BASIS OF ACCOUNTING WITH ELIMINATION OF ZERO VALUE ASSETS RELATED TO PUERTO RICO BONDS LOSSES BY $10,316,516, CHANGES Y MARKET VALUE OF INVESTMENTS AND OTHER ASSETS BY $80,744 AND OTHER LIABILITIES BY $92,473.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 8a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0PR
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt065207551
IRS990/TotalAssetsEOYAmt050817268
IRS990/TotalAssetsGrp/BOYAmt065207551
IRS990/TotalAssetsGrp/EOYAmt050817268
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt030
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt03758497
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03758497
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt060269523
IRS990/TotalLiabilitiesEOYAmt057658209
IRS990/TotalLiabilitiesGrp/BOYAmt060269523
IRS990/TotalLiabilitiesGrp/EOYAmt057658209
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04938028
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-6840941
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02469261
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02469261
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt065207551
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt050817268
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 1438
IRS990/USAddress/CityNm0CIALES
IRS990/USAddress/StateAbbreviationCd0PR
IRS990/USAddress/ZIPCd000638
IRS990/VotingMembersGoverningBodyCnt00
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.cialescoop.com/
IRS990/WhistleblowerPolicyInd00
ReasonableCauseExplanation/ExplanationTxt0FILED AN EXTENSION, NO LATE FEES APPLY.
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd011
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JAIME LOPEZ
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TRUSTEE
ReturnHeader/BusinessOfficerGrp/PhoneNum07878711800
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-11-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COOPERATIVA DE AHORRO Y CREDITO DE CIALES
ReturnHeader/Filer/BusinessNameControlTxt0COOP
ReturnHeader/Filer/EIN0660240789

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