Civic Intelligence

Cooperativa De Ahorro Y Credito De Barranquitas

EIN 66-0266453 • 501(c)14 • Barranquitas, PR

View Organization Page

Profile

The organization does savings and deposits

PO Box 686Barranquitas, PR 00794-0686

credicentrocoop.com

Siviq Scores

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

Liabilities / Assets

6th percentile

0.75x

Higher debt load relative to assets than 6% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

14th percentile

11.83x

Higher debt load relative to revenue than 14% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

97th percentile

29%

Higher net margin than 97% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

5th percentile

$206,245

Higher top officer pay than 5% of similar nonprofits.

Top officer pay equals 0.7% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

46th percentile

2.4%

Faster asset growth than 46% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

7th percentile

-1.9%

Faster revenue growth than 7% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets6th percentile

Assets

Up

$480,758,189

Up $11,415,387 (+2.4%) from 2023

Liabilities

Down

$362,478,252

Down $1,879,318 (-0.5%) from 2023

Net Assets

Up

$118,279,937

Up $13,294,705 (+13%) from 2023

Operations
Liabilities / Revenue14th percentileNet Margin97th percentile

Revenue

Down

$30,630,655

Down $600,916 (-1.9%) from 2023

Expenses

Up

$21,619,114

Up $722,982 (+3.5%) from 2023

Net Income

Down

$9,011,541

Down $1,323,898 (-13%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth46th percentile

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

$600M$400M$200M$0Assets 2011: $182,854,774Liabilities 2011: $137,006,524Net Assets 2011: $45,848,2502011Assets 2012: $189,040,934Liabilities 2012: $143,129,010Net Assets 2012: $45,911,9242012Assets 2013: $187,739,107Liabilities 2013: $143,438,176Net Assets 2013: $44,300,9312013Assets 2014: $193,631,737Liabilities 2014: $144,644,363Net Assets 2014: $48,987,3742014Assets 2015: $198,528,193Liabilities 2015: $144,931,295Net Assets 2015: $53,596,8982015Assets 2016: $201,441,289Liabilities 2016: $144,535,351Net Assets 2016: $56,905,9382016Assets 2017: $212,928,591Liabilities 2017: $153,868,828Net Assets 2017: $59,059,7632017Assets 2018: $224,256,586Liabilities 2018: $162,885,799Net Assets 2018: $61,370,7872018Assets 2019: $233,803,526Liabilities 2019: $167,549,863Net Assets 2019: $66,253,6632019Assets 2020: $283,206,052Liabilities 2020: $210,853,093Net Assets 2020: $72,352,9592020Assets 2021: $321,931,771Liabilities 2021: $241,569,893Net Assets 2021: $80,361,8782021Assets 2022: $439,753,173Liabilities 2022: $344,082,069Net Assets 2022: $95,671,1042022Assets 2023: $469,342,802Liabilities 2023: $364,357,570Net Assets 2023: $104,985,2322023Assets 2024: $480,758,189Liabilities 2024: $362,478,252Net Assets 2024: $118,279,9372024

Highlighted filing

2024

Assets$480,758,189
Liabilities$362,478,252
Net Assets$118,279,937
Open 2024 Filing

Operations Trend

Revenue Growth7th percentile

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

$40M$30M$20M$10M$0Revenue 2011: $13,569,377Expenses 2011: $12,627,740Net Income 2011: $941,6372011Expenses 2012: $11,344,6192012Revenue 2013: $12,133,510Expenses 2013: $10,433,326Net Income 2013: $1,700,1842013Revenue 2014: $13,037,505Expenses 2014: $10,722,170Net Income 2014: $2,315,3352014Revenue 2015: $12,674,917Expenses 2015: $10,367,049Net Income 2015: $2,307,8682015Revenue 2016: $12,417,878Expenses 2016: $10,856,383Net Income 2016: $1,561,4952016Revenue 2017: $11,451,855Expenses 2017: $10,501,049Net Income 2017: $950,8062017Revenue 2018: $12,854,944Expenses 2018: $11,795,373Net Income 2018: $1,059,5712018Revenue 2019: $13,886,163Expenses 2019: $12,247,499Net Income 2019: $1,638,6642019Revenue 2020: $14,637,496Expenses 2020: $12,200,674Net Income 2020: $2,436,8222020Revenue 2021: $17,940,942Expenses 2021: $13,693,966Net Income 2021: $4,246,9762021Revenue 2022: $19,608,978Expenses 2022: $16,231,881Net Income 2022: $3,377,0972022Revenue 2023: $31,231,571Expenses 2023: $20,896,132Net Income 2023: $10,335,4392023Revenue 2024: $30,630,655Expenses 2024: $21,619,114Net Income 2024: $9,011,5412024

Highlighted filing

2024

Revenue$30,630,655
Expenses$21,619,114
Net Income$9,011,541
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$480,758,189
Liabilities
$362,478,252
Net assets
$118,279,937
Revenue
$30,630,655
Expenses
$21,619,114
Net income
$9,011,541
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$481$362$118$30.6$21.6$9.01
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$469$364$105$31.2$20.9$10.3
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$440$344$95.7$19.6$16.2$3.38
2021Detailed filing. Detailed filing data is available for this year.$322$242$80.4$17.9$13.7$4.25
2020Detailed filing. Detailed filing data is available for this year.$283$211$72.4$14.6$12.2$2.44
2019Detailed filing. Detailed filing data is available for this year.$234$168$66.3$13.9$12.2$1.64
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$224$163$61.4$12.9$11.8$1.06
2017Detailed filing. Detailed filing data is available for this year.$213$154$59.1$11.5$10.5$0.95
2016Detailed filing. Detailed filing data is available for this year.$201$145$56.9$12.4$10.9$1.56
2015Detailed filing. Detailed filing data is available for this year.$199$145$53.6$12.7$10.4$2.31
2014Detailed filing. Detailed filing data is available for this year.$194$145$49.0$13.0$10.7$2.32
2013Detailed filing. Detailed filing data is available for this year.$188$143$44.3$12.1$10.4$1.70
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$189$143$45.9$11.3
2011Summary only. Only limited summary data is available for this year.$183$137$45.8$13.6$12.6$0.94
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 13, 2025
Return Version
2024v5.1
Gross Receipts
$30,630,655
Mission and Program Overview

Mission

The organization does savings and deposits

A non profit organization primarily dedicated to receive savings form its members in the form of shares and deposits.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$315,934,749$331,966,419▲ $16,031,670
Investments in Publicly Traded Securities$83,839,447$91,557,054▲ $7,717,607
Cap Stk Tr Prin Current Funds$81,198,846$86,070,498▲ $4,871,652
Pd in Cap Srpls Land Bldg Eqp Fund$22,286,386$30,709,439▲ $8,423,053
Investments Other Securities$20,999,064$22,007,455▲ $1,008,391
Land, Buildings, and Equipment, Net$10,379,296$8,990,654▼ $1,388,642
Cash and Non-Interest-Bearing Accounts$22,293,481$7,813,530▼ $14,479,951
Receivables From Officers Etc$961,453$3,607,863▲ $2,646,410
Savings and Temporary Cash Investments$3,100,000$2,350,000▼ $750,000
Rtn Earn Endowment Incm Other Fnds$1,500,000$1,500,000→ $0
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$469,342,802$480,758,189▲ $11,415,387
Other Assets Total$11,835,312$12,465,214▲ $629,902
Liabilities
Other Liabilities$357,927,328$353,956,595▼ $3,970,733
Accounts Payable and Accrued Expenses$6,430,242$8,521,657▲ $2,091,415
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$364,357,570$362,478,252▼ $1,879,318
Net Assets / Fund Balance
Total Net Assets Fund Balance$104,985,232$118,279,937▲ $13,294,705
Total Liabilities and Net Assets / Fund Balance$469,342,802$480,758,189▲ $11,415,387

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,288,025$2,114,746-
Other Land Buildings$3,750$80,222-
Land$1,573,897--
Equipment$859,580$4,224,284-
Leasehold Improvements$1,265,402$2,640,578-
Compensation and Service Providers
Top Officer Pay5th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Miguel Ortiz SantosPresidentFT$206,245$206,245
Carmen Torres ZayasVP Human ResourcesFT$85,092$85,092
Angel Ortiz VazquezVP OperationsFT$69,718$69,718
Luis Gerena OrtizVP Contabilidad Y FinanzasFT$28,634$28,634

Highest Paid Contractors

ContractorServicesLocationCompensation
Professional Signs RepairPromotionsPO BOX 50202, Toa Baja, PR 00950$208,325
Gcit INCTechnology1360 Tanyard Rd, ANDREW DE AGUILAR LOCAL 1, Sewell, NJ 08080$169,493
Alta ComunicationLegal Services107 CALLE ISABEL, San Juan, PR 00918$143,233
Carrero Crespo Law Offices PscServices Of ProgramCra 176 Km 1 3 Cupey Bajo, Rio Piedras, PR 00926$132,100
-RepairsHC 72 BOX 4117, Naranjito, PR 00719$119,870
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$24,876,214
Other Revenue
$5,754,441
All Other Contributions
$0
Change in Net Assets
$9,011,541

Audited Revenue Reconciliation

Revenue per Audited Statements
$30,630,655
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$30,630,655
Total Revenue per Form 990
$30,630,655
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,791,550
Salaries, Compensation, and Employee Benefits$4,827,564
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$0$4,418,804$0$4,418,804
Other Salaries and Wages$0$3,234,574$0$3,234,574
Depreciation Depletion$0$2,840,387$0$2,840,387
Fees for Services Other$0$2,409,764$0$2,409,764
All Other Expenses$0$1,700,761$0$1,700,761
Insurance$0$1,516,826$0$1,516,826
Other Expenses$0$843,514$0$843,514
Advertising$0$714,583$0$714,583
Other Employee Benefits$0$678,301$0$678,301
Pension Plan Contributions$0$525,000$0$525,000
Current Officers, Directors, Trustees, and Key Employees$0$389,689$0$389,689
Conferences and Meetings$0$369,616$0$369,616
Occupancy$0$324,528$0$324,528
Office Expenses$0$13,625$0$13,625
Total Functional Expenses$0$21,619,114$0$21,619,114

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$21,619,114
Total Expenses per Audited Statements$21,619,114
Total Expenses per Form 990$21,619,114
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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$961,453$3,607,863▲ $2,646,410
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$265,387,665
Certificates of deposit$88,568,930
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI, Line 6

“The organization has members called "socios". Each member contributes at least 120 dollars in shares”

Part VI, Line 7A

“Each year the organization performs its annual stockhloders meeting each year the organization performs its annual stockhloders meeting.”

Part VI, Line 7B

“Only those affecting general rules.”

Part VI, Line 11B

“No review was or will be conducted.”

Part VI, Line 15

“The organization has to send every three months a report on compliance also the ceo has an employement formal contract or agreement.”

Filing and Contact Details

Filer

Filer Name
Cooperativa De Ahorro Y Credito De Barranquitas
EIN
66-0266453
In Care Of
% MIGUEL A ORTIZ
Phone
7878570250
Address
PO BOX 686, BARRANQUITAS, PR 00794-0686

Signing Officer

Name
Miguel a Ortiz
Title
Executive President
Signed
2025-08-13
Discuss with paid preparer
No

Organization Details

Formed
1954
Legal Domicile
Pr
Voting Board Members
9
Independent Board Members
9
Employees
99
Volunteers
25

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 increase of shares reserves and in compressive loss, $4283164|”

Raw XML AppendixShowing 400 of 727 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/ActivityOrMissionDesc0A NON PROFIT ORGANIZATION PRIMARILY DEDICATED TO RECEIVE SAVINGS FORM ITS MEMBERS IN THE FORM OF SHARES AND DEPOSITS.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt0714583
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IRS990/BooksInCareOfDetail/PhoneNum07878570250
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 686
IRS990/BooksInCareOfDetail/USAddress/CityNm0BARRANQUITAS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PR
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IRS990/BusinessRlnWith35CtrlEntInd0false
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IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt05
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
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IRS990/CompDisqualPersonsGrp/FundraisingAmt00
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IRS990/CompensationFromOtherSrcsInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt0369616
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IRS990/ConferencesMeetingsGrp/TotalAmt0369616
IRS990/ConflictOfInterestPolicyInd0false
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IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0169493
IRS990/ContractorCompensationGrp/CompensationAmt1132100
IRS990/ContractorCompensationGrp/CompensationAmt2143233
IRS990/ContractorCompensationGrp/CompensationAmt3208325
IRS990/ContractorCompensationGrp/CompensationAmt4119870
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2107 CALLE ISABEL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3PO BOX 50202
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Sewell
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IRS990/ContractorCompensationGrp/ServicesDesc0TECHNOLOGY
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IRS990/ContractorCompensationGrp/ServicesDesc3PROMOTIONS
IRS990/ContractorCompensationGrp/ServicesDesc4REPAIRS
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