Civic Intelligence

Cooperativa De Ahorro Y Credito De Cabo Rojo

EIN 66-0270259 • 501(c)14 • Cabo Rojo, PR

View Organization Page

Profile

The organization does savings and loans

PO Box 99Cabo Rojo, PR 00623-0099

caborojocoop.com

Siviq Scores

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

Liabilities / Assets

5th percentile

0.74x

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

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

Liabilities / Revenue

11th percentile

11.51x

Higher debt load relative to revenue than 11% of similar nonprofits.

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

Net Margin

79th percentile

16%

Higher net margin than 79% of similar nonprofits.

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

Top Officer Pay

7th percentile

$236,000

Higher top officer pay than 7% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

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

Asset Growth

68th percentile

5.2%

Faster asset growth than 68% of similar nonprofits.

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

Revenue Growth

5th percentile

-3.3%

Faster revenue growth than 5% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets5th percentile

Assets

Up

$342,901,686

Up $16,909,022 (+5.2%) from 2023

Liabilities

Up

$255,127,855

Up $13,405,041 (+5.5%) from 2023

Net Assets

Up

$87,773,831

Up $3,503,981 (+4.2%) from 2023

Operations
Liabilities / Revenue11th percentileNet Margin79th percentile

Revenue

Down

$22,162,963

Down $747,830 (-3.3%) from 2023

Expenses

Up

$18,679,007

Up $1,367,912 (+7.9%) from 2023

Net Income

Down

$3,483,956

Down $2,115,742 (-38%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth68th percentile

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

$400M$300M$200M$100M$0Assets 2011: $137,293,164Liabilities 2011: $98,273,632Net Assets 2011: $39,019,5322011Assets 2012: $140,568,383Liabilities 2012: $99,760,561Net Assets 2012: $40,807,8222012Assets 2013: $137,750,200Liabilities 2013: $98,175,856Net Assets 2013: $39,574,3442013Assets 2014: $145,424,191Liabilities 2014: $101,685,847Net Assets 2014: $43,738,3442014Assets 2015: $154,733,166Liabilities 2015: $103,350,598Net Assets 2015: $51,382,5682015Assets 2016: $150,560,006Liabilities 2016: $99,876,283Net Assets 2016: $50,683,7232016Assets 2017: $151,960,936Liabilities 2017: $103,304,145Net Assets 2017: $48,656,7912017Assets 2018: $181,520,963Liabilities 2018: $127,526,441Net Assets 2018: $53,994,5222018Assets 2019: $192,002,963Liabilities 2019: $135,466,909Net Assets 2019: $56,536,0542019Assets 2020: $224,012,974Liabilities 2020: $164,423,548Net Assets 2020: $59,589,4262020Assets 2021: $305,759,931Liabilities 2021: $234,065,150Net Assets 2021: $71,694,7812021Assets 2022: $311,426,730Liabilities 2022: $234,137,458Net Assets 2022: $77,289,2722022Assets 2023: $325,992,664Liabilities 2023: $241,722,814Net Assets 2023: $84,269,8502023Assets 2024: $342,901,686Liabilities 2024: $255,127,855Net Assets 2024: $87,773,8312024

Highlighted filing

2024

Assets$342,901,686
Liabilities$255,127,855
Net Assets$87,773,831
Open 2024 Filing

Operations Trend

Revenue Growth5th percentile

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

$30M$20M$10M$0Revenue 2011: $7,808,044Expenses 2011: $7,149,063Net Income 2011: $658,9812011Expenses 2012: $6,894,4022012Revenue 2013: $8,686,750Expenses 2013: $6,956,184Net Income 2013: $1,730,5662013Revenue 2014: $8,997,205Expenses 2014: $7,486,297Net Income 2014: $1,510,9082014Revenue 2015: $9,060,297Expenses 2015: $7,877,173Net Income 2015: $1,183,1242015Revenue 2016: $8,614,965Expenses 2016: $8,120,246Net Income 2016: $494,7192016Revenue 2017: $7,921,630Expenses 2017: $7,707,402Net Income 2017: $214,2282017Revenue 2018: $9,151,129Expenses 2018: $8,629,179Net Income 2018: $521,9502018Revenue 2019: $10,962,812Expenses 2019: $9,151,642Net Income 2019: $1,811,1702019Revenue 2020: $10,914,002Expenses 2020: $9,517,369Net Income 2020: $1,396,6332020Revenue 2021: $13,105,590Expenses 2021: $10,821,405Net Income 2021: $2,284,1852021Revenue 2022: $17,456,223Expenses 2022: $13,566,606Net Income 2022: $3,889,6172022Revenue 2023: $22,910,793Expenses 2023: $17,311,095Net Income 2023: $5,599,6982023Revenue 2024: $22,162,963Expenses 2024: $18,679,007Net Income 2024: $3,483,9562024

Highlighted filing

2024

Revenue$22,162,963
Expenses$18,679,007
Net Income$3,483,956
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$342,901,686
Liabilities
$255,127,855
Net assets
$87,773,831
Revenue
$22,162,963
Expenses
$18,679,007
Net income
$3,483,956
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$343$255$87.8$22.2$18.7$3.48
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$326$242$84.3$22.9$17.3$5.60
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$311$234$77.3$17.5$13.6$3.89
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$306$234$71.7$13.1$10.8$2.28
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$224$164$59.6$10.9$9.52$1.40
2019Summary only. Only limited summary data is available for this year.$192$135$56.5$11.0$9.15$1.81
2018Summary only. Only limited summary data is available for this year.$182$128$54.0$9.15$8.63$0.52
2017Summary only. Only limited summary data is available for this year.$152$103$48.7$7.92$7.71$0.21
2016Summary only. Only limited summary data is available for this year.$151$99.9$50.7$8.61$8.12$0.49
2015Detailed filing. Detailed filing data is available for this year.$155$103$51.4$9.06$7.88$1.18
2014Detailed filing. Detailed filing data is available for this year.$145$102$43.7$9.00$7.49$1.51
2013Detailed filing. Detailed filing data is available for this year.$138$98.2$39.6$8.69$6.96$1.73
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$141$99.8$40.8$6.89
2011Summary only. Only limited summary data is available for this year.$137$98.3$39.0$7.81$7.15$0.66
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 17, 2025
Return Version
2024v5.1
Gross Receipts
$22,162,963
Mission and Program Overview

Mission

A non profit organization engaged primarily to received savings from its members in the form of shares and deposits.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$214,649,042$233,481,092▲ $18,832,050
Cap Stk Tr Prin Current Funds$62,268,434$62,915,441▲ $647,007
Investments in Publicly Traded Securities$41,983,703$44,153,592▲ $2,169,889
Pd in Cap Srpls Land Bldg Eqp Fund$20,751,416$23,358,390▲ $2,606,974
Savings and Temporary Cash Investments$20,051,676$18,795,656▼ $1,256,020
Cash and Non-Interest-Bearing Accounts$17,041,265$16,036,669▼ $1,004,596
Investments Other Securities$11,082,713$11,612,003▲ $529,290
Land, Buildings, and Equipment, Net$10,042,475$9,589,981▼ $452,494
Receivables From Officers Etc$2,547,499$2,538,068▼ $9,431
Rtn Earn Endowment Incm Other Fnds$1,250,000$1,500,000▲ $250,000
Prepaid Expenses and Deferred Charges$1,182,110$1,401,154▲ $219,044
Accounts Receivable$1,973,395$1,361,059▼ $612,336
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
Total Assets$325,992,664$342,901,686▲ $16,909,022
Other Assets Total$5,438,786$3,932,412▼ $1,506,374
Liabilities
Other Liabilities$237,778,734$251,593,615▲ $13,814,881
Accounts Payable and Accrued Expenses$3,944,080$3,534,240▼ $409,840
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$241,722,814$255,127,855▲ $13,405,041
Net Assets / Fund Balance
Total Net Assets Fund Balance$84,269,850$87,773,831▲ $3,503,981
Total Liabilities and Net Assets / Fund Balance$325,992,664$342,901,686▲ $16,909,022

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,516,557$2,085,066$0
Other Land Buildings$89,673$104,685$0
Land$2,971,916-$0
Equipment$1,570,756$5,972,880$0
Leasehold Improvements$441,079$1,229,810$0
Compensation and Service Providers
Top Officer Pay7th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kerwin Morales RiveraExecutive presidentFT$200,000$69,919$269,919
Jorge I Ferrer LopezVP of financeFT$120,434$14,144$134,578
Mayra Figueroa LopezSoftware system managerFT$114,086$13,750$127,836
Mariangely Cruz AquinoVP of OperationsFT$107,945$13,283$121,228
Nancy Ferrer PadillaVP of Human ResourcesFT$104,887$13,171$118,058
Victor Mendez ZapataVP of Risk and ComplianceFT$103,906$13,121$117,027
Hector L Torres CardonaVP of creditFT$55,582-$55,582

Highest Paid Contractors

ContractorServicesLocationCompensation
Helvetia Del Caribe LLCIT solutions386 Calle Via 11 390, Carolina, PR 00983$145,422
Rafael Castro Montes De Oca Arquitectos PscArquitects1550 Ave Ponce De Leon Ste 7, San Juan, PR 00909$137,943
Jr Private PoliceSecurityCarr 301 Km 0 1 Bo Las Arenas, Cabo Rojo, PR 00622$134,464
Intelligence Forecasting CorpStrategic PlanningPo Box 361934, San Juan, PR 00936$119,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$19,490,762
Other Revenue
$2,672,201
All Other Contributions
$0
Change in Net Assets
$3,483,956

Audited Revenue Reconciliation

Revenue per Audited Statements
$22,162,963
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$22,162,963
Total Revenue per Form 990
$22,162,963
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,212,830
Salaries, Compensation, and Employee Benefits$5,466,177
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$4,659,327$0$4,659,327
Interest$0$3,018,235$0$3,018,235
All Other Expenses$0$1,738,006$0$1,738,006
Insurance$0$1,447,125$0$1,447,125
Other Expenses$0$1,142,061$0$1,142,061
Current Officers, Directors, Trustees, and Key Employees$0$806,850$0$806,850
Depreciation Depletion$0$764,591$0$764,591
Fees for Services Other$0$659,392$0$659,392
Advertising$0$417,918$0$417,918
Occupancy$0$196,574$0$196,574
Office Expenses$0$129,065$0$129,065
Conferences and Meetings$0$67,885$0$67,885
Total Functional Expenses$0$18,679,007$0$18,679,007

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$18,679,007
Total Expenses per Audited Statements$18,679,007
Total Expenses per Form 990$18,679,007
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$2,547,499$2,538,068▼ $9,431
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$200,774,920
Deposit certificates$50,818,695
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI, Line 6

“The cooperative has stock members. Each member contributes at least $120 in share.”

Part VI, Line 7A

“The members of the organization has the power to elect the board of directors for different terms as provided by the law 255 during the annual meeting of the members which is held during the first four months following the end of the fiscal year of the organization. Other committees are also elected on this annual meeting such as the supervisory committee. the board of director is in charge of the governance decision of the organization.”

Part VI, Line 7B

“Any administrative matter presented by a member in the annual meeting by means of a formal proposal which is approved by the majority of the voices will be mandatory for the present and absent members as long as it is in accordance with the general regulations of the institution and applicable laws.”

Part VI, Line 11B

“No review was or will be conducted.”

Part VI, Line 12C

“The compliance department and legal affairs office of the institution are in charge of the monitoring of the process transactions account details among other aspects related to conflict of interest. In accordance with the ethic code all employees are required to report any violation.”

Part VI, Line 15

“The human resources department uses an external company which is contracted with the approval of the board of directors to perform an evaluation of all positions and salary wages of all employees. This evaluation includes an analysis of current job descriptions and salary wages in the market. Based on this analysis the company provide recommendations in a report to make any necessary adjustment. When a managerial position is hired the compensation of the executive president using the before mentioned report of any independent analysis that they deemed necessary.”

Filing and Contact Details

Filer

Filer Name
Cooperativa De Credito Cabo Rojo
EIN
66-0270259
In Care Of
% KERWIN MORALES
Phone
7878511337
Address
PO BOX 99, CABO ROJO, PR 00623-0099

Signing Officer

Name
Jorge Ferrer
Title
VP of Finance
Signed
2025-06-17
Discuss with paid preparer
No

Organization Details

Formed
1956
Legal Domicile
Pr
Voting Board Members
7
Independent Board Members
7
Employees
91
Volunteers
21

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., $20025|”

Raw XML AppendixShowing 400 of 843 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/PhoneNum07878511337
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 99
IRS990/BooksInCareOfDetail/USAddress/CityNm0CABO ROJO
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PR
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0006230099
IRS990/BusinessRlnWith35CtrlEntInd0false
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IRS990/ContractorCompensationGrp/CompensationAmt2119000
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0JR PRIVATE POLICE
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1HELVETIA DEL CARIBE LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2INTELLIGENCE FORECASTING CORP
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3RAFAEL CASTRO MONTES DE OCA ARQUITECTOS PSC
IRS990/ContractorCompensationGrp/ServicesDesc0Security
IRS990/ContractorCompensationGrp/ServicesDesc1IT solutions
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IRS990/ContractorCompensationGrp/ServicesDesc3ARQUITECTS
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IRS990/Desc0The credit union keeps providing financial services to its members and to the community. The credit union is providing financing options to the members that need it.
IRS990/DescribedInSection501c3Ind0false
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